Gold Card Terms and Conditions

Western Union (Ireland) Partnership
Western Union® Gold Card Programme Agreement (Effective 29 December 2015)
Important Information for Participants in the Western Union Gold Card Programme

This Western Union Gold Card Programme Agreement (“Agreement”) contains the terms and conditions governing the Western Union Gold Card Programme (“Programme”). The terms “Western Union” “we” “us” and “our” used in this Agreement mean Western Union (Ireland) Partnership, an Irish partnership, based at Richview Office Park, Unit 9, Clonskeagh, Dublin 14, Ireland.  “You” and “your” means the person to whom a Western Union Gold Card (“Card”) is issued pursuant to this Agreement. “Participating Agent” and “Participating Agent location” means respectively a Western Union® Agent and any of their locations that participates in the Programme. You may obtain a list of Participating Agents by contacting us as set forth in Section 7.


1. This is your Contract with us. You should read this Agreement and keep it for your records. By enrolling, using the Card or by otherwise participating in the Programme, you agree to the terms of this Agreement. Your Card is required to perform any Programme transactions. Your Card remains the property of Western Union and must be returned to us immediately upon our request in case of abuse, cancellation of this Agreement or ending of the Programme. To benefit from all its advantages your Card can only be used by you. Its use is subject to the terms of this Agreement. The Card is personal to you and cannot be shared.

2. Description of the Programme.
Convenience: The Programme allows you to request completion of a Western Union® Money TransferTM transaction at Participating Agent locations (“Qualifying Transaction”) more conveniently. The Programme allows you to provide information about yourself each time you send or receive money via a Qualifying Transaction, which we will store electronically by means of a database, which will be managed by Western Union so that it will be available automatically at Participating Agent locations whenever you present your Card. The list of Participating Agent locations can be obtained by contacting Western Union on 0800 005253 [Bessie, please check this tel no is applicable in AU] (free call from fixed and public phones. Tariffs for mobile calls are set by your operator), or by contacting Western Union in writing, as set forth in Section 7 below. All money transfers that you initiate using the Programme are subject to the terms and conditions set out in this Agreement, as well as the terms and conditions applicable to Qualifying Transactions initiated at Participating Agent locations where you send/receive the money transfer (these terms and conditions appear on the “To Send Money” and “To Receive Money” forms available from Participating Agent locations). In order to use the Card and participate in the Programme, you must fulfill all requirements pursuant to law, to enable you to send/receive money transfers in a particular country.

3. Participation in the Programme. The Programme is open to private individuals who are 18 years and older and have a main residence at a valid address in Australia. Only one application per person will be accepted. We may, in sole discretion and always according to the legal imperatives in force, refuse to accept your application if you do not satisfy our application criteria.

4. Rewards and Benefits. All rewards and benefits offered are subject to change and availability or cancellation without any prior notice from us, while local restrictions and alterations may apply. Any substitute rewards will be of a similar or greater quality and value to those offered.

5. Data Protection. Western Union collects, processes, holds and uses personal data (“Information”) provided in the money transfer instruction, in connection with this Programme, or 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). Western Union collects this Information for the purposes of providing you with the requested services (including, without limitation, administration, customer service, user validation, fraud prevention, product and business development activities),  to assist in the application process when you apply for future services, products, convenience and/or rewards programs, offered by Western Union or its affiliates, and for other Western Union business purposes, such as administering the customer relationship, marketing purposes, compliance with legal requirements, research and customer analytics. Western Union may disclose your Information to its related companies, Agents, affiliates, business partners, authorised service providers and third parties (together, the “Recipients”) as required to provide you the Services and also to inform you of services, products, convenience and/or rewards programs, offered by Western Union or its affiliates.

Western Union will hold, disclose and retain information the sender gives us about another person such as the details of the receiver of the money transfer service (“Third Party Information”) in order to execute the transaction. You acknowledge that you have obtained the permission of all persons to whom such Third Party Information relates to the disclosure and use such Third Party Information in accordance with these Terms and Conditions. The provision of the requested Information and Third Party Information is necessary to execute the transaction. Without the relevant Information and Third Party Information, Western Union is unable to execute the money transfer, facilitate convenience activities or other requested services.

Western Union will use the Information to send you commercial communications by post. In accordance with your marketing preferences, you agree to Western Union or its affiliates and business partners sending you for any of the purposes set out in section, or otherwise disclosed to you, by phone/email/SMS/MMS and accept that any charges imposed on you by the network provider for this service are your sole responsibility.  If you do not wish to receive such communications, please contact Western Union by calling 0800 005 253 during regular business hours or alternatively by writing to the address set out below. Western Union retains Information, the marketing preferences and transaction history based on our record retention schedules, for no longer than is necessary for the purposes for which the Information was collected or to comply with applicable laws.

All information is managed in accordance with National Privacy Principles under the Privacy Act 1998.  You are responsible for keeping us up-to-date on the information we hold about you and your Senders or Receivers.  You agree to inform any Senders or Receivers you nominate of the fact that we are collecting their personal information and that such information may be used and disclosed as described in this clause.  Western Union is not responsible for any loss arising from details which you provide to us being incorrect or inaccurate or not up-to-date.

6. Our Liability to You. The Card is a mere facility ancillary to the money transfer service provided by Western Union, its group companies and affiliates. To the greatest extent permitted by law, the total liability of Western Union, its group companies and affiliates to you for all damages, losses and causes of action under the Programme and/or this Agreement and/or in relation to the use of your Card shall not exceed US$500.00 or the equivalent in local currency. To the greatest extent permitted by law, Western Union, group companies and affiliates shall not be liable to you whatsoever for any indirect, special, incidental, or consequential damages, losses or liabilities, including any damages, losses or liabilities in connection with your money transfer transactions (which shall be governed by the then applicable Qualifying Transaction terms and conditions). Western Union shall not be responsible or liable for any products which are provided by a third party supplier, the provision of which shall be subject to that supplier’s terms and conditions.

7. Contacting Western Union. You may contact Western Union: to withdraw from the Programme, to report a lost or stolen Card, to request a replacement Card. 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. You may contact Western Union by logging onto or by calling us on 0800 005253 during regular business hours, or write to us at: Western Union Financial Services, Inc., P.O. Box Q1522, QVB Post Office Sydney NSW, Australia 1230.

8. Dormancy. If you do not use your Card for a period of one year, we may suspend your participation in the Programme without notice to you.

9. Assignment. Notwithstanding any other provision in this Agreement, you may not assign or transfer this Agreement or your Card or allow others to use your Card. You will be responsible for any unauthorized use of your Card unless and until you report it lost or stolen to Western Union by contacting us under Section 10. Western Union may freely assign this Agreement to group companies as part of a commercial restructuring.

10. Governing Law. This Agreement and the relationship between Western Union and you shall be governed by, and interpreted in accordance with, the laws of the State of New South Wales. You and Western Union hereby irrevocably submit to the non-exclusive jurisdiction of the State of New South Wales courts.

11. Provisions Severability. If any provision of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement will not be affected.

12. Amendment. We may, from time to time, amend the terms of this Agreement without prior written notice to you, should objective commercial considerations require. The modified terms of this Agreement can be obtained by contacting Western Union as set forth above under Section 7. By initiating a Western Union® Money TransferSM transaction or by receiving a money transfer using your Card after this Agreement is amended or changed, you will be agreeing to any such amendment or change. Should you not accept any modifications to this Agreement, you must either (a) notify Western Union in writing within 15 days of the occurrence of such change, such notice giving rise to the termination of this Agreement or (b) terminate use of your Card.

13. Cancellation. We may cancel the Programme, this Agreement or your entitlement to participate in the Programme immediately and without notice to you. You may cancel this Agreement at any time by notifying Western Union in writing. If you do this, your participation in the Programme will terminate within thirty (30) days after we receive your written request to cancel. Cancelling this Agreement will not affect your obligations under this Agreement to the extent that such obligations are capable of surviving the termination of this Agreement.

14. Terms and Conditions Modifications. Western Union terms and conditions for sending money may vary from time to time. The updated terms and conditions for the Western Union Money Transfer service are on the money send forms, and for automated customer receipts, they are generally available on the back of the receipt. They are also available at the points of sale on request.

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