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the tracking of consumers has grown both far more pervasive and far more intrusive than is realized by all but a handful of people in the vanguard of the industry. • The study found that the nation's 50 top websites on average installed 64 pieces of tracking technology onto the computers of visitors, usually with no warning. A dozen sites each installed more than a hundred. The nonprofit Wikipedia installed none.

the Journal found new tools that scan in real time what people are doing on a Web page, then instantly assess location, income, shopping interests and even medical conditions. Some tools surreptitiously re-spawn themselves even after users try to delete them. • These profiles of individuals, constantly refreshed, are bought and sold on stock-market-like exchanges that have sprung up in the past 18 months.

Advertisers once primarily bought ads on specific Web pages—a car ad on a car site. Now, advertisers are paying a premium to follow people around the Internet, wherever they go, with highly specific marketing messages.

When you give us information about you we are collecting it in order to review your application for products and services this applies to both existing and potentially new customers. We will use information for operation of your account, provision of products and services and for marketing purposes. Please note that if you do not provide the information required in the mandatory fields we may be unable to process your request. Security

In all other cases we will not disclose customer information unless we have previously informed the customer, have been authorized by the customer, or are required to do so by law or other regulatory authority. In particular, when a court order or subpoena requires us to disclose information, we notify the customer promptly to provide an opportunity to exercise his or her legal rights. The only exceptions to this policy are when court order or law prohibits us from notifying the customer, or in cases in which fraud and/or criminal activity is suspected. Further, we will not use medical information for marketing purposes or to provide credit.

Please do keep in mind that if you take advantage of an offer from an American Express business partner and become their customer, they may independently wish to send offers to you. In this case, you will need to inform them separately if you do not wish to receive future offers from them.