Consent Statement


Effective Date: May 4, 2015

Items Covered By This Consent Statement

You have the right to receive certain legal disclosures, notices, communications and other items listed below (together, the “Covered Items”) in paper form by mail. We may instead provide these Covered Items to you electronically if you: give us your Consent to do so, provide us a Designated E-mail Address and satisfy the System Requirements below. For purposes of this Consent Statement, such Covered Items may include, at minimum:

• notices concerning your privacy;

• data breach notifications;

• other legal notices required to be in writing.


By agreeing to this Consent Statement, you give us your consent to electronically provide you the Covered Items and you certify you:

(1) meet our System Requirements, and

(2) will provide and maintain a valid Designated E-mail Address (collectively, your “Consent”).

You understand that by giving us your Consent, you may no longer receive such Covered Items in paper form and you accept any consequence of not reviewing the Covered Items in a timely manner. Your Consent will remain in effect until you provide a Withdrawal of Consent or your Plenti account is terminated by either you or American Express.

Withdrawal of Consent

You may withdraw your Consent at any time through your online account at (or other link made available for this purpose). Withdrawing your Consent will not affect the enforceability of any Covered Items already provided or your obligations in connection with use of your Plenti account. Withdrawing your Consent may, however, affect the availability of the Plenti account. We will tell you about any effect on your Plenti account during the withdrawal process.

Modification of Consent Terms

We reserve the right to modify this Consent Statement at our discretion. We will provide you with notice of such modification(s) electronically in a manner consistent with Methods of Providing Covered Items below. If you do not agree to the Consent Statement as modified, you must notify us of your Withdrawal of Consent before its effective date. We will tell you the effective date in the notification, and change the effective date at the top of the new Consent Statement. Failure to withdraw your Consent, or take any other required action as stated in the notification before the effective date will confirm your continued agreement to the Consent Statement as modified. Modifications to these terms will only affect our respective rights and obligations from the effective date of the modification(s) and thereafter, and/or until a subsequent version of this Consent Statement takes effect, you withdraw your Consent, or your Plenti account terminated by either you or American Express.

Methods of Providing Covered Items

In this document, “provide” means to deliver, make available, send, notify or similar term. We may provide the Covered Items electronically through: (1) your Designated E-Mail Address, (2) links provided through your online account, or (3) to the extent permitted by law, by posting the covered item to our website/mobile app. As it relates to (3) above, you agree that we may satisfy our obligation to provide you with an annual copy of our Consumer Privacy Notice by emailing it to you and/or by keeping it available for review on our website/mobile app. It is your responsibility to review Covered Items promptly, so you can take appropriate action as necessary.

Designated E-mail Address

You certify the e-mail address you provide for your Plenti account is your e-mail address, and you want us to use it to provide Covered Items electronically (“Designated E-mail Address”). You agree to maintain each Designated E-mail Address until you provide us with a new one through your online account at (or other link made available for this purpose), or by calling customer service at 1-855-PLENTI1 (1-855-753-6841). If you authorize someone else to access your Designated E-mail Address, you agree to tell them to share Covered Items with you promptly, and you accept the risk that they will see your sensitive information.

Access to Paper Copies

You can request paper copies of Covered Items through your online account, or by calling customer service at 1-855-PLENTI1 (1-855-753-6841). We retain copies of these Covered Items for the time periods required by law and will provide you with copies of these upon request within those time periods. We do not necessarily retain copies for longer than is required by law. Save or print copies of Covered Items, by using the “print” functionality of your Web browser or saving electronic copies, to ensure you have them when needed.

Our Right to Send Paper

We reserve the right to provide Covered Items in paper form at all times at our discretion even if you have given us Consent to provide them electronically. For example, but without limitation, we may do this if we have a system outage, if we suspect fraud, or if for any reason your Designated E-mail Address does not accept emails from us.

System Requirements

To access and retain the Covered Items, you must have a working e-mail address and a computing or communications device with:

• working Internet access, and

• a Web browser (such as Chrome®, Firefox®, Internet Explorer®, or Safari®).

By providing us your Consent, you certify you meet all of the above System Requirements.