Western Union Money Transfer transactions can be sent and picked up at most Western
Union Agent locations worldwide. Customers may call the number listed above for the
address and hours of nearby locations. Some locations are open 24 hours.
Regular money transfers are usually available within minutes for pick up by the
receiver, subject to the opening hours of the receiving Western Union Agent
location. The Next Day/2 Day and account-based money transfer services are available
upon request to limited countries. The money sent using the Next Day/2 Day money
transfer service will be available for collection after 24 and 48 hours
respectively. Account-based transfers generally take 3 business days, though
transfers to mobile wallets are often available within minutes. Exceeding amount
limitations, regulatory restrictions or other restrictions in certain countries may
delay the transaction. Western Union does not act as the agent or representative of
any bank for any purpose and does not accept deposits on behalf of any bank. Call
the number above for details.
Money transfers will normally be paid in cash, but some Agents will pay by cheque or
a combination of cash and cheque or may offer or the receiver may choose other ways
to receive funds and some money transfers may be paid to accounts. All cash payments
are subject to availability, receivers showing documentary evidence of their
identity and providing all details about the money transfer required by Western
Union, including sender's and receiver's names, country of origin, approximate sum
and any other conditions or requirements applicable at the Agent location, for
example the money transfer control number, which is mandatory for payout in some
countries. The sender authorizes Western Union to honor the receiver's choice of
method to receive funds even if it differs from the sender's. Cash money transfers
shall be paid to the person that Agents deem entitled to receive the transaction
after verification of identity often through examination of identification
documents. Such payment can be made even when the form filled out by the receiver
contains errors. Neither Western Union nor its Agents carry out a comparison of the
To Send Money form against the To Receive Money form to verify the address given for
the receiver. In some destinations the receiver may be required to provide
identification, a test question answer or both to receive funds in cash. Test
questions are not an additional security feature and cannot be used to time or delay
the payment of a transaction and are prohibited in certain countries.
Applicable law prohibits money transmitters from doing business with certain
individuals and countries. Western Union is required to screen all transactions
against lists of names provided by the governments of the countries in which we do
business, including the US Treasury Department's Office of Foreign Assets Control
(OFAC) and the European Union. If a potential match is identified, Western Union
researches the transaction to determine if the name matched is the individual on the
relevant list. On occasion, customers are required to provide additional
identification or information, delaying transactions. This is a legal requirement
for all transactions processed by Western Union (inclusive of transfers that
originate and terminate outside of the US).
Content
TRANSFER FEES
Written information explaining how Western Union charges the sender for making a
money transfer will either be displayed prominently at the Agent location or shown
to the sender prior to completion of the payment order. Unless applicable law in the
destination country requires otherwise, the sender will bear all fees for the money
transfer. In certain cases, payment of a money transfer may be subject to local
taxes and service charges.
FOREIGN EXCHANGE
Written information explaining how Western Union charges the sender for making a
money transfer will either be displayed prominently at the Agent location or shown
to the sender prior to completion of the payment order. Unless applicable law in the
destination country requires otherwise, the sender will bear all fees for the money
transfer. In certain cases, payment of a money transfer payments will normally be
made in the currency of the destination country (in some countries payment is
available only in U.S. dollars or other alternate currency). In addition to the
transfer fee applicable to each transfer and if the currency which the sender
presents to an Agent is not the currency to be received by the receiver, all
currency is converted at Western Union's then current rate of exchange. The currency
will be converted at the time of transfer and the receiver will receive the foreign
currency amount shown on this form. In a few countries local regulations require the
currency to be converted at the time the receiver is paid, in which case the
exchange rate and any amounts shown on this form may be subject to exchange rate
fluctuations between the time of transfer and the time the receiver collects the
funds. Western Union calculates its rate of exchange based on commercially available
interbank rates plus a margin. Most rates of exchange are adjusted several times
daily in line with the relevant closing rate of global financial markets. The
exchange rate applied may be less favourable than some publicly reported commercial
exchange rates used in transactions between banks and other financial institutions.
Any difference between the currency exchange rate offered to customers and the
currency exchange rate received by Western Union will be kept by Western Union (and,
in some instances, its Agents) in addition to the transfer fees. Additional
information about exchange rates for specific destination countries can be obtained
by calling the number at the top of this form or on our website at
www.westernunion.com.
Sending and receiving in countries that provide payment in multiple currencies:
Senders must select the currency of payment at the time the send money transaction
is made. The transfer fee and the money Western Union (or its Agents, mobile phone
or account provider) makes when it changes the funds into foreign currency may vary
based upon the payment currency selected. In some countries it is possible to decide
to receive the funds in a currency different from the one that the sender selected.
Western Union (or its Agents, mobile phone or account provider) may make additional
money when your funds are converted into the currency selected by the receiver be
subject to local taxes and service charges.
SPECIAL SERVICES
TELEPHONE NOTIFICATION to the receiver that the money transfer is available for pick
up is offered in most countries for an additional fee. MESSENGER DELIVERY of a
cheque or a bank draft is available in some countries to selected destinations for
an additional fee. SUPPLEMENTAL MESSAGES may be included for an additional fee with
money transfers sent to most countries.
SMS
Where available, Western Union offers free SMS notification to indicate that the
transaction has been collected by the receiver (for the sender) or that funds are
available for collection (for the receiver).
Charges applied by the service provider are the exclusive responsibility of the
sender or receiver. If permitted by applicable law, the SMS will be sent to the
sender's and/or receiver's mobile number provided on this form. Western Union will
send SMS messages to a third party gateway for delivery.
Western Union is not responsible for undelivered SMS or technical malfunctions that
occur outside of its proprietary systems.
ACCOUNT BASED TRANSFERS - MOBILE MONEY TRANSFER (MMT)
Where available, the receiver may incur additional fees for receiving the sender's
funds through a mobile telephone or to a bank or other account. Transfers should be
sent to a local (receiver) currency account, otherwise the receiving institution may
convert the funds at its own exchange rate or reject the transaction. The receiver's
agreement with its mobile phone service, mWallet, bank or other account provider
governs the account and determines their rights, liability, fees, funds availability
and account limitations. In the event of an inconsistency between the account number
(including mobile phone numbers for mobile accounts) and name of the receiver, the
transfer will be credited to the account number provided by the sender. Western
Union may make money from fees associated with use of an account. Western Union
accepts no responsibility to the sender nor to any account holder for any fees,
exchange rates used for conversion to non-local currency, acts or omissions of the
destination or intermediary financial service providers.
REFUND
Western Union will refund the principal amount of a money transfer (at the
applicable exchange rate described herein in effect at the time the refund is made)
upon the written request of the sender if payment to the receiver is not made or
credited within 45 days. Transfer fee refunds are made upon sender's written request
if the money transfer is not available to the receiver within the time specified for
the selected service, subject to the business hours of, and availability of funds
at, the location selected for payment and other conditions, including, without
limitation, conditions beyond the control of Western Union or its Agents, such as
inclement weather or telecommunications failure. Transfer fees are not refunded if
the transfer is stopped at the sender's request. Payment of some money transfers may
be delayed as a result of the application of United States or other applicable laws.
To the extent allowed by law, Western Union may deduct an administrative charge from
money transfers that are not picked up within one year of the send date.
LIABILITY
WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR
SERVICES PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. THE SENDER'S
TRANSACTION DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER
PERSON OTHER THAN HIS RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO ANY
PERSON HE DOES NOT KNOW. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE
LIABLE IF THE SENDER COMMUNICATES TRANSACTIONAL DATA TO ANY PERSON OTHER THAN HIS
RECEIVER. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES
FOR DELAY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY
SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR
AGENTS OR OTHERWISE, BEYOND THE SUM EQUIVALENT TO US$500 (IN ADDITION TO REFUNDING
THE PRINCIPAL AMOUNT OF THE MONEY TRANSFER AND THE TRANSFER FEE). IN NO EVENT WILL
WESTERN UNION OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR
CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER SHALL NOT LIMIT WESTERN UNION'S OR
AGENT'S LIABILITY FOR DAMAGES RESULTING FROM WESTERN UNION'S OR AGENT'S GROSS
NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS WHERE SUCH A LIMITATION
OF LIABILITY IS VOID.
When an Agent accepts a cheque draft, credit or debit card or other non-cash form of
payment, neither Western Union nor the Agent assumes any obligation to process or
pay the money transfer if the form of payment is uncollectible, nor do they assume
any liability for damages resulting from nonpayment of the money transfer by reason
of such uncollectibility. Western Union reserves the right to change these terms and
conditions or the offered service without notice. Western Union and its Agents may
refuse to provide service to any person.
DATA PROTECTION
Your personal information is processed under the applicable laws. Your personal
information is controlled by Western Union (whose detailed data is provided at the
outset of this document). Western Union uses personal data (Information) provided in
the money transfer instruction, together with other information which is collected
or generated during the course of your relationship with Western Union, such as
transaction and loyalty program details, transaction history and marketing
preferences, for the purposes of providing you with the requested services
(including, among others, for purposes such as administration, customer service,
payment confirmation, user validation, fraud prevention and product and business
development activities). Western Union may also use Information in connection with
other services, products, convenience and/or rewards programs, you signed up for
with Western Union or its affiliates. Western Union will hold and retain information
that the sender gives us about another person such as the details of the receiver of
the money transfer service (the Third Party's Information) in order to execute the
transaction. The provision of Information and the Third Party's Information is
voluntary but necessary (subject to the provisions set out in this paragraph) to
execute the transaction. Without the relevant information, Western Union is unable
to execute the money transfer, facilitate convenience activities or other requested
services. Western Union will use the name and address provided above to send you
commercial communications by post. If you choose to provide details of your
telephone number, mobile and/or your email in the optional entries above you also
expressly consent to receipt of such commercial communications and/or being notified
of transfer collection in the indicated medium (phone/SMS/email/MMS), and agree that
any charges imposed by relevant service providers are your sole responsibility. If
you do not wish to receive marketing communications, please contact Western Union in
the manner indicated above.
Western Union will disclose Your Information and Your Third Party Information
(together the Information) to third parties located in countries such as the US,
with whom we have a contractual relationship to protect Information such as
authorized service providers, Agents and other third parties as reasonably required
for the purposes indicated in these Terms and Conditions, and to carry out the money
transfer or to facilitate future transactions, or to supplement Information with
information from publicly available sources, such as information to validate the
accuracy of your address. This also helps Western Union to understand and improve
our product and service offerings. Western Union may also disclose Information to
third parties, where reasonably necessary, for the purposes of the prevention and
detection of crime, prosecution of offenders, for purposes of national security or
when required by law. Western Union retains Information, the marketing preferences
and transaction history of the sender based on our record retention schedules for no
longer than is necessary for the purposes for which the data were collected and in
compliance with applicable laws. If the sender does not perform another transaction
within the retention time period, the sender Information as well as all marketing
preferences will be cancelled.
You consent to the Information being transferred to countries such as the United
States, but not exclusively, whose privacy laws may be less stringent. The
Information will be transferred for the purposes indicated in these Terms and
Conditions and to enable Western Union to provide the money transfer service and
additional services, products and loyalty or convenience programs and also for
internal purposes, such as administering the customer relationship, marketing
purposes, compliance with legal requirements, research and customer analytics. The
categories of data transferred are personally identifiable information, contact
details and information relating to the money transfer, transaction history, and any
other Information supplied by you. This data may be accessed by Western Union
affiliates, as defined by applicable law, including Western Union Payment Services
Ireland Ltd, Western Union Payment Services UK Limited, Western Union International
Limited, and Western Union Financial Services, Inc, MT Payment Services Operations
EU/EEA Ltd, MT International Operations Limited, WU Payment Services Network EU/EEA
Ltd, for any of the purposes set out in these Terms and Conditions.
You have a right to access and to ask for a copy of your Information for which
Western Union may charge a small sum to the extent permitted by applicable law. You
may also correct, erase or block Information which is incomplete, inaccurate or
out-of-date. You may also object at any time on legitimate grounds relating to your
particular situation to the processing of your Information, where the processing is
not required to complete the service, by a law or regulation. If you wish to
exercise these rights or no longer wish to receive commercial communications from
Western Union, please call Western Union using the number above during regular
business hours.
CUSTOMER RELATIONS
If you are not satisfied with the service you should telephone the number above. A
representative will investigate your concerns fairly and will endeavor to do so
speedily.
The Western Union Money Transfer Service is provided by Western Union Financial
Services, Inc., an American company (for money transfers from the United States,
Canada, and Mexico, and for commercial services transactions) and Western Union
International Limited, an Irish company (for all other transactions), through a
network of authorised Agents and representatives.
Copyright 2011
WESTERN UNION HOLDINGS, INC. All Rights Reserved