Online Privacy Statement

Western Union Online Limited

Effective Date: 23 May 2016

This Online Privacy Statement describes how Western Union collects and uses your personal information ("Information") that we obtain when you visit and/or use our website or mobile app from Australia.

INFORMATION WE COLLECT 

Western Union collects Information about you from a variety of sources including but not limited to those listed below. The types of personal information we collect and share will depend on the product or service you have with us. You consent to the collection, transfer and storage of this Information by computers or other transfer or storage devices in countries including but not limited to the United States, whose laws on holding personal data may be less stringent. 

  • We collect Information you supply when: (a) you ask us or one of our affiliated companies, Western Union agents or suppliers ("Affiliates") to send or receive money or to provide other goods or services; (b) you submit Information on applications or other forms to us or our Affiliates; or (c) you otherwise submit Information to us, our Affiliates or others;
  • We collect Information about your transactions with us, our Affiliates or others;
  • We collect Information about you from a variety of third party sources such as our business customers, government agencies and consumer  and credit reporting agencies and other suppliers of public information;
  • We collect computer and mobile device Information , such as the domain and host from which you access the Internet; your computer’s IP address;  mobile device geolocation, number and other information from and about your device (such as device properties, settings, applications, stored information and usage), and carrier; 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 of the site from which you linked to our website when you visit us;
  • We may collect and retain your bank card details for use in future transactions, as well as credit and payment history and information, account balances and transaction history; and
  • We collect Information on your online activity as described in the paragraph below titled "COOKIES AND INTERNET TECHNOLOGY."

The information we collect includes name, address, email address, mobile and home telephone number, information about the form of identification used to send or receive a transaction (required by law in some instances and used by Western Union to prevent fraud), transaction activity, and your computer’s internet address. We may also collect government identification numbers such as driver’s license, state identification, passport, visa information, Social Security or tax identification numbers.

If you do not provide the required information, Western Union may be unable to provide you with the requested services.

USE OF INFORMATION

At Western Union, we use the information we obtain about our customers for the following activities:

  • To provide, deliver and assist us in providing and delivering any products and services to you (including money transfers, loyalty programmes, and other products or services) and to help us improve and develop these services;
  • To keep you informed by sending you commercial communications from time to time by telephone, email, SMS/MMS messaging, and targeted or personalized messaging, subject to any choices you have made about Western Union or third party products and services, loyalty programmes or other updates;
  • To verify any of the information you provide in order to effect, administer and enforce transactions, to manage our customer relationships, to provide the requested products and services, to sign up agents, to ensure your eligibility for any services, or products you apply for, and to maintain accuracy of our records;
  • To comply with legal obligations including under A New Tax System (Goods and Services Tax) Act 1999 (Cth) and those aimed at preventing money laundering, under the Anti-Money Laundering and Counter-Terrorism  Financing Act 2006 (Cth) and
  • To allow you to change web pages during your visit without having to re-enter your password;
  • To store your preferences and other information and to track activity on our website;
  • To better understand the effectiveness of our promotional campaigns;
  • To determine whether you came to our site from a banner ad or an affiliate website;
  • To deliver Information specific to your interests on additional web sites; and
  • To determine whether you've acted on our promotional messages; and
  • To improve the running of this site and to improve customer experience and the running of our business

COOKIES & INTERNET TECHNOLOGY

We use internet technologies like cookies and Web beacons for a variety of purposes, including but not limited to, those identified below.

  • To assist us in providing services to you;
  • To allow you to change Web pages during your visit without having to re-enter your password;
  • To temporarily track activity on our Web site;
  • To determine whether you came to our site from a banner ad or an Affiliate Web site;
  • To deliver information specific to your interests on additional Web sites; or
  • To identify you when you vist the Website, to personalize the content of the Website for you and to assist you in carrying out transactions and accessing account information.

Western Union has implemented the capability for the user to manage cookies on our websites. We will only read or write cookies based on your preference level, (note: cookies set prior to changing your preference levels are maintained on your computer, to remove them please refer to your browser settings). If your browser does not support JavaScript you can find out about the cookies used on our sites and can only manage the use of cookies through your web browser settings. Please note that if you disable all cookies on your browser, this will limit the features of this site and may impact the ability to complete your transaction.


INFORMATION WE DISCLOSE

Subject to your consent or as otherwise permitted by law, we may disclose the Information we collect in the paragraphs titled, "INFORMATION WE COLLECT" and "COOKIES & INTERNET TECHNOLOGY" to our Affiliates and to unaffiliated third parties as described below for any of the purposes described in the statement, including those described in the paragraph entitled “USE OF INFORMATION”.

We may disclose Information with the following Western Union Affiliates to effect, administer and complete transactions or deliver products or services including, but not limited to:

  • Western Union group companies including but not limited to Western Union International Limited; Western Union Financial Services Inc; Western Union Payment Services Ireland Limited; Western Union Payment Services UK Limited.
  • Companies which help us run or improve the running of our business or which help us deliver products and services to you and to banks, credit card companies, credit reference agencies,
  • In order to comply with legal, regulatory, security and processing requirements, government  and foreign government requirements, applicable to us or our Affiliates or service providers , including but not limited to anti-money laundering laws; and
  • To organizations which help us process transactions, validate customer information, and helps us prevent debt, fraud, theft or loss;
  • As permitted or required by law.

We may disclose Information about current and former customers to perform marketing, business analysis and advertising services to companies with whom we have contractual or joint marketing arrangements upon notice that you have provided unambiguous consent (opt-in) for the use of Information for these purposes.


CONFIDENTIALITY AND SECURITY

We endeavor to maintain physical, technical and procedural safeguards that comply with applicable government laws and regulations to guard your Information. We also endeavor to restrict Information access to our employees, agents and representatives that need to know it. Despite our efforts, and as you probably know, third parties may unlawfully intercept or access transmissions sent to us or may wrongly instruct you to disclose Information to them while posing as Western Union.


PERSONAL CHOICE

Where you have provided us with your consent to use, store or disclose your Information you have the right to withdrawn your consent at any time by using the contact details below. If you do withdraw your consent, we will cease using that Information unless we are required to continue to do so by law. 

Western Union maintains your choice and transaction history based on our record retention policies. If you do not perform another transaction within the retention time period, your Information, as well as your choice will be removed.


ACCURACY OF INFORMATION

You may request (by contacting  us in the manner set out below) details of the Information we hold and request us to correct or erase any erroneous or out-of-date Information. We reserve the right to independently verify claims made. To protect your privacy, we also will take reasonable steps to verify your identity before making providing details or corrections. Where permitted by law, we reserve the right to assess a service charge for providing you any information in connection with your request.


EXTERNAL WEB SITES

Western Union's Web site may be linked to or from third party Web sites. Western Union is not responsible for the content or privacy practices employed by Web sites that are linked to or from our Web site. 


CHANGES

Western Union reserves the right to modify this Privacy Statement. Updated Privacy Statements will be posted at this Web site when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement. You may change your choices at any time. 


CONTACT US

If you have any questions or queries, or you wish to complain about a possible breach of the Australian Privacy Principles, please contact us by clicking here.

We also accept questions by regular mail and by telephone at the locations identified below:

BY MAIL:
Western Union Financial Services, Inc.,

Manager, Privacy – APAC & CIS
PO Box Q1522,
QVB Post Office,
Sydney, NSW, 1230.

Western Union Privacy Office
P.O. Box 6992 
Greenwood Village, CO 80155-6992
USA

BY TELEPHONE:
1800 173 833