Terms & Conditions

Last updated on 27th December, 2020

 

General Terms

Amex® Finance ("we,” “us” or “our”) maintains this website (the “Website”) to provide you (“you”, “yours”) with information about products and services which we provide, and with information about Amex.

Please read these Terms and Conditions carefully before accessing or using this Website. We reserve the right to change, modify, add, or remove portions of these Terms and Conditions at any time. Please check these terms periodically for changes. If you have any questions about these Terms and Conditions, please contact us via email at hello(at)amexaccessonline.com.

 

ACCEPTANCE OF TERMS

By accessing or using the Website, you agree to these Terms and Conditions. You agree that these Terms and Conditions constitute a legally binding agreement between you (whether personally or on behalf of any entity which you represent) and Amex concerning your access to and use of our website and all the services linked, related, or otherwise connected to your use of the Website.

When you commence an application for a Amex loan, a Amex account will be created for you by us (Amex IBAN Account) as part of the application process. You hereby consent to the creation of the Amex IBAN Account, and you agree that you shall not argue to the contrary before any court of law, tribunal administrative authority or any other body acting in any judicial or quasi-judicial capacity.

Age

You agree with the contents of this Privacy Policy when you give consent upon access to our website, digital and non-digital platforms, or use our services, content, features, technologies or functions offered on our website or digital platforms or visit any of our offices for official or non-official purposes. Note that you can withdraw your consent at any time, however such withdrawal of consent would not affect the lawfulness of processing information based on consent given before its withdrawal.

 

NO WARRANTY

We created this Website for the convenience of our Internet visitors. The information (including text, graphics and functionality) is presented “as is” and “as available” without express or implied warranties including, but not limited to, implied warranties of non-infringement, merchantability and fitness for a particular purpose. We expressly disclaim any liability for errors and omissions regarding the information and materials contained on the Website. We cannot guarantee the accuracy or completeness of the information contained on this Website or its suitability for any purpose.

 

VIRUSES

Due to the pervasive nature of computer viruses within the Internet, we cannot give any assurances that the Website, our software or systems will be free always from viruses and other malicious software. It is your responsibility to scan all downloaded materials received from the Internet, including from the Website. We shall not be liable, and you agree not to hold Amex responsible, for any damages or losses caused by any viruses or other malicious software which may affect your computer equipment or other property on account of your access to, use of, or downloading from the Website, software or systems.

 

LIMITATION OF LIABILITY

Due to the pervasive nature of computer viruses within the Internet, we cannot give any assurances that the Website, our software or systems will be free always from viruses and other malicious software. It is your responsibility to scan all downloaded materials received from the Internet, including from the Website. We shall not be liable, and you agree not to hold Amex responsible, for any damages or losses caused by any viruses or other malicious software which may affect your computer equipment or other property on account of your access to, use of, or downloading from the Website, software or systems.

INDEMNITY

You agree to indemnify and hold Amex Finance, its subsidiaries or affiliates, and their respective directors, officers, employees, and agents, harmless against all liabilities, claims and expenses, including reasonable attorneys’ fees, arising from breach of these Terms and Conditions, any other related policy, your use or access of the Website or any Internet site linked to or from the Website, or in connection with the transmission of any content on the Website.

AUTHORISED USE

The information provided on this Website is solely for the personal use of Website users. You are authorized to view and copy the information available on this Website for personal purposes only, provided that any copies include any trademark notices as they may appear on those pages copied. Except for the personal use of Website users, you may not copy, reproduce, modify, display, distribute, perform, disseminate, transmit, transfer, sell, license, publish, use to create a derivative work or use for any public or commercial purposes any of the contents of this Website without the express prior written consent of Amex Finance. You agree to access and use the Website only for lawful purposes.

LINKS TO THIS WEBSITE

The website may contain links to other websites as well as articles, photographs, text, graphics, pictures, designs, music, sound, video, information, applications, software, and other content or items belonging to or originating from third parties (“Third-Party Content”). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy, appropriateness, or completeness by us, and we are not responsible for any Third-Party Websites accessed through the Site or any Third-Party Content posted on, available through, or installed from our website.

We do not propose any endorsement, authorization, sponsorship of or affiliation with the material contained on any linked site or any Third-Party material by providing them on the Website. Amex is not responsible for the contents of any site linked to the Website. Your connection to and use of any such linked site is at your own risk.

COPYRIGHTS AND TRADE MARKS

Copyrights of the pages and the screens displaying the pages, and the information and material therein, is owned by Amex unless otherwise indicated and may not be distributed, modified, reproduced in whole or in part without the prior written permission of Amex. The display of trademarks herein does not imply that a license of any kind has been granted. Any downloading, re-transmission, or other copying or modification of the trademarks and/or the contents herein may be a violation of applicable laws and regulations and could subject the copier to legal action. The trademarks and logos (collectively the “Trademarks”) displayed on this site, unless otherwise indicated, are registered and unregistered trademarks of Amex and its subsidiaries and affiliates. Amex and its trademarks may only be used publicly with the permission of Amex and with proper acknowledgement. Use of any Amex trademarks without the prior written consent of Amex may constitute copyright infringement or passing-off in violation of applicable laws.

PROHIBITED ACTIVITY

You may not retrieve data from the Website to create a business that shall compete with us in any form or manner or for any other commercial benefit, gain or revenue-generating purpose. You may not retrieve data from our site to constitute databases, compilations, stocks, inventories or directories, without express permission from us.

You may not download, sell, re-publish or otherwise give out for profit, any service, information or content made available on the Website. You may not defraud, or mislead other users, in an attempt to learn sensitive account information or attempt to impersonate a user or person through the use of their information, however it is gotten.

SECURITY

We welcome your email correspondence. But Internet and email communications are not confidential. Information transmitted to us may be read or obtained by other parties. To protect your privacy, our email responses do not include personal account information such as your SSN or bank account numbers. Email is an important communication channel for our website’s visitors. We will use your email address and the content of any email for correspondence purposes and to meet our legal and regulatory requirements regarding customer communications. On occasion, we may use your email address to send you communications with information about service and product information that we believe may be of interest to you. If you do not want to receive such unsolicited communications from us, please send us a message to this effect.

 

USER REPRESENTATIONS

By using the Website, you represent and warrant that:

·         all registration information you submit will be true, accurate, current, and complete.

·         you will maintain the accuracy of such information and promptly update such registration information, as necessary.

·         you have the legal capacity, and you agree to comply with these Terms and Conditions.

·         you are not a minor in the jurisdiction in which you reside.

·         you will not access the website through automated or non-human means, whether through a bot, script or otherwise.

·         you will not use the website for any illegal or unauthorized purpose.

·         your use of the Website will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse all current or future use of the Website (or any portion thereof).

DISPUTE RESOLUTION

By using the Website, you represent and warrant that:

Disputes, differences, or claims arising out of or in connection with or concerning the use of Amex’s services or the Website shall be settled amicably through our internal dispute resolution system. Such resolution shall be commenced by either party sending a written notice of the dispute to the other party. The notice of dispute shall state the cause of dispute and propose a date for negotiations to occur date no later than seven (7) days from the date of the other party’s receipt of the dispute notice. Where we are unable to reach an amicable resolution after exhausting Amex’s internal dispute regulation mechanism, the dispute will be resolved by binding arbitration in line with the Arbitration and Conciliation Act, Cap A18 Laws of the United States, 2004.

GOVERNING LAW

You agree that the use of this site shall be governed by and construed in accordance with the laws of the Laws of the United States of America.