Instant Account Verification

Instant Account Verification is intended to verify your authority and access to external financial accounts by confirming your ability to access such accounts. Your use of Instant Account Verification is subject to the following terms and conditions. Proceeding with Instant Account Verification constitutes your assent to and acceptance of these terms and conditions.

(a) PROVIDE ACCURATE INFORMATION. You agree to provide true, accurate, current and complete information about yourself and your accounts maintained at other financial institutions and you agree to not misrepresent your identity or your account information.

(b) INSTANT ACCOUNT VERIFICATION. When you elect to use Instant Account Verification, you authorize American Express Travel Related Services Company, Inc. (“TRS”), as issuer of Bluebird by American Express®, and its supplier, Yodlee, Inc. (“Yodlee”), to access third party sites designated by you, on your behalf, to retrieve information requested by you. For all purposes hereof, you hereby grant TRS, and Yodlee a limited power of attorney, and you hereby appoint each of TRS and Yodlee as your true and lawful attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third party internet sites, servers or documents, retrieve information, and use your information, all as described above, with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you might or could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN TRS OR YODLEE ACCESSES AND RETRIEVES INFORMATION FROM THIRD PARTY SITES, TRS AND YODLEE ARE ACTING AS YOUR AGENT, AND NOT THE AGENT OR ON BEHALF OF THE THIRD PARTY. You agree that third party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand and agree that Instant Account Verification is not endorsed or sponsored by any third party account providers accessible through Instant Account Verification. You are licensing to TRS and Yodlee any information, data, passwords, materials or other content (collectively, “Content”) you provide in connection with your usage of Instant Account Verification. TRS and Yodlee may use, modify, display, distribute and create new material using such Content to provide Instant Account Verification to you. By submitting Content, you automatically agree, or promise that the owner of such Content has expressly agreed that, without any particular time limit, and without the payment of any fees, TRS and Yodlee may use the Content for the purposes set out above. As between TRS and Yodlee, TRS owns your confidential account information.

(c) USE OF RESULTS LIMITED. You agree that the results of Instant Account Verification are for use by you and TRS and its service providers, Including Yodlee, only in connection with Bluebird by American Express, on the Bluebird.com website. You agree not to reverse engineer or reverse compile any of the service technology, including but not limited to, any Java applets associated with the Instant Account Verification.

(d) LIMITATION OF LIABILITY. YOU AGREE THAT NEITHER TRS NOR YODLEE, NOR ANY OF THEIR RESPECTIVE AFFILIATES, ACCOUNT PROVIDERS OR ANY OF THEIR AFFILIATES, WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES, INCLUDING, BUT NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA OR OTHER INTANGIBLE LOSSES, EVEN IF TRS OR YODLEE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, RESULTING FROM THE USE OR THE INABILITY TO USE INSTANT ACCOUNT VERIFICATION OR ANY OTHER MATTER RELATING TO INSTANT ACCOUNT VERIFICATION, INCLUDING BUT NOT LIMITED TO (i) THE COST OF GETTING SUBSTITUTE GOODS AND SERVICES, (ii) ANY PRODUCTS, DATA, INFORMATION OR SERVICES PURCHASED OR OBTAINED OR MESSAGES RECEIVED OR TRANSACTIONS ENTERED INTO, THROUGH OR FROM INSTANT ACCOUNT VERIFICATION; (iii) UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR TRANSMISSIONS OR DATA; (iv) STATEMENTS OR CONDUCT OF ANYONE ON INSTANT ACCOUNT VERIFICATION; OR (v) THE USE, INABILITY TO USE, UNAUTHORIZED USE, PERFORMANCE OR NON-PERFORMANCE OF ANY THIRD PARTY ACCOUNT PROVIDER SITE, EVEN IF THE PROVIDER HAS BEEN ADVISED PREVIOUSLY OF THE POSSIBILITY OF SUCH DAMAGES.

(e) INDEMNIFICATION. You agree to indemnify and hold harmless TRS and Yodlee and their respective affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable attorneys fees) caused by or arising from your use of Instant Account Verification or your violation of these terms.

You agree that Yodlee is a third party beneficiary of the above provisions, with all rights to enforce such provisions as if Yodlee were a party to these terms and conditions.