American Express SafeKey® Service Terms and Conditions

Welcome and thank you for choosing to use the American Express SafeKey authentication service
("American Express SafeKey").

Please read these Terms and Conditions ("Agreement") carefully before using American Express
SafeKey. In this Agreement, "we," "us," and "our" refer to American Express Banking Corp. and the
suppliers of card processing and web-hosting services; “you," "your," or "yours" refer to the users of
American Express SafeKey; "Merchant” means any person or company who owns or manages or operates
the merchant establishment through a physical establishment and/or a website and "SMS" refers to short
message service which allows you to receive text messages sent through a mobile service network.

This Agreement supplements and is incorporated into the Cardmember agreement(s) with you
("Cardmember Agreement").

1. ACCEPTANCE OF TERMS

a. American Express SafeKey is provided to you, subject to the following terms and conditions ("T&C")
and the Cardmember Agreement governing the card transactions. The T&C may be updated by us from
time to time without notice to you. Use of American Express SafeKey constitutes your acceptance of the
T&C. You shall be subject to any guidelines or rules applicable to American Express SafeKey that may
be issued from time to time at this location.

b. You agree that continued use of American Express SafeKey after revisions to the T&C shall constitute
your agreement to such revised terms and any applicable guidelines or rules.

c. Unless explicitly stated otherwise, any new features that augment, enhance or otherwise change
American Express SafeKey shall be subject to the T&C.

d. We reserve the right at any time to modify or discontinue, temporarily or permanently, American
Express SafeKey (or any part thereof) with or without notice or to charge a fee for American Express
SafeKey by giving one month's prior notice to the Cardmember.

2. DESCRIPTION OF AMERICAN EXPRESS SAFEKEY

American Express SafeKey provides you with a way of increasing security in online transactions for
which American Express SafeKey is used by reducing the chances of fraud for those transactions.
Enrolling for American Express SafeKey involves providing personal information to us, which is used to
confirm your identity in connection with future online transactions for which American Express SafeKey
is used, as discussed in more detail in Section 5 below. American Express SafeKey may also be used for
record keeping and reporting purposes, as well as to help resolve any transaction disputes.

3. YOUR ENROLMENT OBLIGATIONS

You agree to:
a. Provide true, accurate, current and complete information about yourself as prompted by American
Express SafeKey enrolment Information ("Enrolment Data");

b. Maintain and promptly update your Enrolment Data to keep it true, accurate, current and complete. If
you provide any Enrolment Data that is untrue, inaccurate, not current or incomplete, or if we have
reasonable grounds to suspect that your Enrolment Data is untrue, inaccurate, not current or incomplete,
we have the right to suspend, terminate, or refuse your current or future use of American Express
SafeKey or your Card account.

4. ENROLMENT

a. You are automatically enrolled for American Express SafeKey. There is no additional step that you
need to take for your existing Cards, when you get new Cards, or when you open additional new
accounts other than ensuring your mobile phone number and/or Email address on file with American
Express is updated for all of your American Express Cards. Please ensure your mobile phone number
and/or Email address is updated with American Express for all your American Express Cards. This
also includes Supplementary Cards that you hold.
b. In order to use American Express SafeKey, you must have the ability to access the World Wide Web
or receive an SMS and you agree to pay any service fees associated with such access or receipt. In
addition, you must have the equipment necessary to make such a connection to the World Wide Web
or to receive an SMS, including a computer and modem or other access device.
c. When engaging in an online transaction for which American Express SafeKey is applicable, you may
be required to enter an American Express SafeKey password sent to you via SMS or via email
depending on your selection before the Merchant accepts your Card to pay for the transactions. If you
cannot provide the one-time password ("OTP") or the authentication through American Express
SafeKey fails, the Merchant may not accept your Card to pay for the transaction(s) concerned. We
will not be liable for any Merchant's refusal to accept your Card for the said payment for any reason
whatsoever f. In the event you have a question regarding the American Express SafeKey enrolment
process or a transaction using American Express SafeKey, you should direct that question to our
customer service department.

5. AUTHENTICATION

a. When engaging in an online transaction for which American Express SafeKey is used, you may be
asked for your American Express SafeKey one-time password before the vendor accepts your
American Express Card in payment for the transaction. If you are unable to provide your American
Express SafeKey one-time password, or if the authentication through American Express SafeKey
otherwise fails, the Merchant may not accept your American Express Card in payment for that
transaction.
b. By registering for American Express SafeKey, you consent to our use of American Express SafeKey
to evidence your identity, including but not limited to, for purposes of authorisation of transactions
authorised in advance to recur at substantially regular intervals.

6. ENROLMENT DATA
a. You acknowledge and agree that we may keep your Enrolment Data and also may disclose your
Enrolment Data if required to do so by Applicable Law, as defined in Section 8(i), in the good faith belief
that such reservation or disclosure is permitted by Applicable Law, or as reasonably necessary to (i)
comply with legal process or (ii) enforce the T&C or (iii) update and provide you with transaction alerts
or alerts of any products and services we think may be of interest to you.
b. You agree that we may disclose your Enrolment Data or information relating to your account
confidentially to (i) other companies in the American Express group or its licensees worldwide including
any party whose name or logo appears on the Card issued to you; (ii) third parties employed by American
Express to provide it with administrative services in connection with the operation of customer accounts
and marketing of account services and/or collection services; (iii) our suppliers and to organisations who
accept the Card in payment of goods and/or services purchased by you, in order to administer and service
your account, process and collect charges on it and manage the benefits or insurance programs in which
you are enrolled (where applicable); (iv) bank or financial institution, government agency, statutory board
or authority in India or elsewhere and (v) any other person to whom we consider it in our interest to make
such disclosure.
7. YOUR CONDUCT

You agree not to:

a. Impersonate any person or entity using American Express SafeKey;
b. Upload, post, email or otherwise transmit any material containing software viruses or other computer
code, files or programs designed to interrupt, destroy or limit the functionality of any computer software
or hardware or telecommunications equipment used by American Express SafeKey;
c. Spam or flood the American Express SafeKey Website or service;
d. Modify, adapt, sub-license, translate, sell, reverse engineer, decompile or disassemble any portion of
the American Express SafeKey Website or service, or the software used in connection with American
Express SafeKey;
e. Remove any copyright, trademark, or other proprietary rights notices contained in American Express
SafeKey;
f. "Frame" or "mirror" any part of the American Express SafeKey Website or service without American
Express' prior written authorisation;
g. Use any robot, spider, site search/retrieval application, or other manual or automatic device or process
to retrieve, index, "data mine," or in any way reproduce or circumvent the navigational structure or
presentation of the American Express SafeKey Website or service, or its contents;
h. Otherwise interfere with or disrupt American Express SafeKey, or servers and networks connected to
American Express SafeKey, or violate the T&C or any requirements, procedures, policies or regulations
of American Express SafeKey or of any networks connected to American Express SafeKey; or
i. Intentionally or unintentionally violate any applicable local, state, national or international statute,
regulation, regulatory guideline or judicial or administrative interpretation, or any rule or requirement
established by American Express  (all of which shall constitute "Applicable Law") in connection with
your use of American Express SafeKey.

8. LIABILITY

a. You agree that we shall not be liable to you or to any third party for any modification, suspension or
discontinuance of American Express SafeKey.

b. We assume no responsibility for, and will not be liable for, any damages to, or any viruses which may
affect your computer equipment or other property on account of your access to, use of, or downloading
from this website.

c. We will not be liable for any or all losses, damage, expenses, fees costs, (including legal costs on a full
indemnity basis), that may arise, directly or indirectly, in whole or in part, from (i) the non-delivery, the
delayed delivery, or the misdirected delivery of an American Express SafeKey one-time password; (ii) the
non-receipt of a one-time password; (iii) inaccurate or incomplete content in a one-time password (iv)
reliance on or use of the information provided in an American Express SafeKey one-time password for
any purpose; or (v) any third party, whether authorised or not, obtaining Cardmember account
information contained in the alert by accessing the Cardmember mobile phone.

9. TERMINATION

We may temporarily or permanently suspend your ability to use American Express SafeKey and
terminate your relationship with us at any time, with or without fault on your part. If we suspend your
ability to use American Express SafeKey, we may give you notice at the most current address you have
provided to us as reflected in our records.
10. DEALINGS WITH MERCHANTS

Your correspondence or business dealings with, or participation in promotions of, online retail or other
Merchants on or through American Express SafeKey, including payment and delivery of related goods or
services, and any other terms, conditions, warranties or representations associated with such dealings, are
solely between you and such Merchants.

You agree that, except as otherwise provided by Applicable Law or in the Cardholder Agreement, we
shall not be responsible or liable for any loss or damage of any sort incurred as the result of any such
dealings. You understand that use of American Express SafeKey does not, in any way, indicate that we
recommend or endorse any Merchant, regardless of whether the Merchant participates in American
Express SafeKey. For example, American Express SafeKey does not verify the identity of the Merchant
or the quality of the Merchant goods or services.

11. DISCLAIMER OF WARRANTIES

a. You expressly understand and agree that any software obtained through the use of American Express
SafeKey is downloaded and used at your own discretion and risk, and that except as otherwise provided in
this Agreement, you will be solely responsible for any damage to your computer system or loss of data
that results from the download or use of any such software or other materials through American Express
SafeKey. b. Except as otherwise required by any applicable law, we make no representations or
warranties about American Express SafeKey of any kind, express or implied, including any warranties as
to merchant ability or fitness for a particular purpose

12. NOTICE

Notices to you regarding the American Express SafeKey Terms and Conditions may be made either via
email or regular mail to the address that you have provided to us in connection with any of your accounts
with us, or your Credit Card(s) or Charge Card(s) issued or otherwise provided by us.
You may also be notified of changes to the T&C or other matters by notices displayed on this location.

13. AGE AND RESPONSIBILITY

You represent and warrant that you are of sufficient legal age to use American Express SafeKey and to
create binding legal obligations for any liability you may incur as a result of the use of American Express
SafeKey. Except as otherwise provided by Applicable Law or in the Cardholder Agreement, you
understand that you are financially responsible for all uses of American Express SafeKey by you and
those authorised by you to use your Enrolment Data, your password or other verification information.
If you discover that your Card details or the American Express SafeKey may have been used in an
unauthorised way, you must notify us immediately by calling our Customer Services Toll free numbers
provided at the back of your card. In certain circumstances, we may also require you to make a police
report accompanied by any other information we may require.

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