Privacy Statement

Western Union Financial Services, Inc. - Privacy Statement (United States)
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FACTS WHAT DOES WESTERN UNION FINANCIAL SERVICES, INC. DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information, whether you send money, receive money, or we otherwise collect information about you. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include, without limitation:
  • government identification numbers, such as: driver's license, state identification, passport, visa, Social Security or tax identification number
  • name, address, e-mail address, mobile and home telephone number
  • account balances and transaction history
  • credit and payment history and information
  • computer information such as the domain and host you use to access the Internet; your computer's Internet address; the browser and operating system software you use; social profile and network information; the date and time you access our website and the Internet address used to link to our website when you visit us
You consent to our collection, transfer and storage of information by computers or other transfer or storage devices in the United States and elsewhere.
When? This Privacy Statement was last modified on 12/15/2013.
How? All financial companies need to share customers' and consumers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' and consumers' personal information; the reasons Western Union Financial Services, Inc. chooses to share; and whether you can limit this sharing.

 

Reasons we can share your personal information Does Western Union Financial Services, Inc. share? Can you limit this sharing?
For our everyday business purposes
such as to process your transactions; maintain your account(s); respond to court orders and legal investigations; report to credit bureaus; gather information about website access, usage and performance; enhance your consumer experience; validate your creditworthiness or your identity; or as otherwise permitted or required by law
Yes No
For our marketing purposes
such as to offer our products and services to you or notify you about future events and promotions
Yes No
For joint marketing with other financial companies Yes No
For our affiliates' everyday business purposes
such as information about your transactions and experiences
Yes No
For our affiliates' everyday business purposes
such as information about your creditworthiness
Yes Yes
For our affiliates to market to you Yes Yes
For nonaffiliates to market to you Yes Yes

 

To limit our sharing OPT OUT RIGHT (EXCEPT FOR VERMONT OR CALIFORNIA CONSUMERS)
If you prefer that we limit sharing with affiliates or nonaffiliated third parties as described above, you may opt out of those disclosures as follows:

Call 1-800-562-2598
or
Visit us online: westernunion.com, log into your account and edit your Personal Information settings
or
Mail to:
Western Union Financial Services, Inc.
Western Union Privacy Office
12500 East Belford Avenue
Englewood, CO 80112 2

VERMONT AND CALIFORNIA CONSUMERS
Western Union will disclose information about consumers with a Vermont or California mailing address only with your written authorization ("consent"), unless otherwise permitted or required by law. Written authorizations from Vermont consumers may be delivered to us at the address above or by email at privacy@westernunion.com and must contain your name, address and signature and your consent. You may revoke your consent at any time by calling us at 1-800-562-2598, or by writing or emailing us at the addresses provided above. California consumers should contact us at the addresses above for instructions on how to deliver their consent.

Note: Disclosures not subject to an opt-out choice include: disclosures necessary to effect, administer or enforce a transaction you request; disclosures to our authorized service providers (including Western Union Agents); disclosures permitted or required by law or disclosures to prevent fraud or other illegal activities.

Please note: If you are a new consumer or customer, we can begin sharing your information 30 days from the date we sent this notice. When you are no longer our consumer or customer, we continue to share your information as described in this notice. However, you can contact us at any time to limit our sharing.

You may also contact us at any time to review and request changes to any of your personally identifiable information.

 

Questions? Call 1-800-562-2598 or click on the "Contact Us" link at westernunion.com

 

Who we are
Who is providing this notice? Western Union Financial Services, Inc.

 

What we do
How does Western Union Financial Services, Inc. protect my personal information? To help protect your personal information from unauthorized access and use, we endeavor to use reasonable security measures. These measures can include physical, electronic and procedural safeguards such as computer safeguards and secured files and buildings. We also endeavor to limit personal information access to only employees, agents and representatives that need to know. Despite our efforts, third parties may unlawfully intercept or access your transmissions to us or may wrongly instruct you to disclose information to them by posing as Western Union or by misinforming you about our services.
How does Western Union Financial Services, Inc. collect my personal information? We collect your personal information, for example, when you:
  • send or receive money, complete a payment or use or request other products or services from us
  • submit information to us on applications or other forms and by other means
  • use or visit our or other online sites (for example, to complete a transaction, manage your accounts, or provide your choices)
  • enter a promotion
We also collect information about you from a variety of sources, including without limitation, computer systems; third party sources such as our business clients, government agencies, and other suppliers of information; and consumer reporting agencies.
Why can't I limit all sharing? Federal law gives you the right to limit only
  • sharing for affiliates' everyday business purposes—information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. For details, see the "To limit our sharing" section.
What happens when I limit sharing for an account I hold jointly with someone else? Your choices will apply to everyone on your account.

 

Definitons
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies.
Non affiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies.
  • For example, we may disclose information about current and former consumers and customers to third parties, including without limitation: financial service providers such as Western Union Agents that offer our services; banks, credit card companies, brokerage houses, mortgage lenders, mortgage originators and other financial companies, including for Joint Marketing purposes; non-financial companies such as retailers, direct marketers, auto dealers, utility companies, membership clubs and other providers of goods and services; government agencies; and otherwise as permitted or required by law.
We may also disclose information to companies that perform marketing services for us or other financial institutions with whom we have joint marketing arrangements.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

 

Other important information
TEXAS CONSUMERS
If you have a complaint, first contact the consumer assistance division of Western Union Financial Services, Inc. at 1-800-562-2598, if you still have an unresolved complaint regarding the company's money transmission or currency exchange activity, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705, 1-877-276-5554 (toll free), www.dob.texas.gov.

ONLINE ACTIVITIES
We do not honor any Web browser "do not track" signals or other mechanisms that provide you the ability to exercise choice regarding the collection of personally identifiable information about your online activities over time and across third-party websites or online services. In addition, other parties may collect personally identifiable information about your online activities over time and across different websites when you use our website or any of our services.

CHILDREN'S PRIVACY
Our website is not directed at children under the age of 13. Western Union does not knowingly collect or maintain information at our website from persons under the age of 13.

EXTERNAL WEBSITES
Our website may be linked to or from third party websites. Western Union is not responsible for the content or privacy practices of websites that are linked to or from our website.

CHANGES
Western Union reserves the right to modify this Privacy Statement. You can get updated Privacy Statements by calling us at 1-800-562-2598 or by visiting our website at www.westernunion.com.