Colombia: Terms and Conditions for Western Union® Online Money Transfer Service through Colombian agent Acciones & Valores
THE WESTERN UNION® MONEY TRANSFERSM SERVICE IS PROVIDED IN ACCORDANCE WITH THE FOLLOWING TERMS AND CONDITIONS.
Transfers made through the Western Union® Money TransferSM Service can be sent and collected at most Western Union Agent locations around the world. Customers can call the phone number below to request the address and business hours of nearby locations. Some locations are open to the public 24 hours a day.
Money transfers are available for collection within minutes, subject to the opening hours of the Western Union receiving agent location ("Agent"). Next Day/2 Day and account-based transfers are available to limited countries upon request. Money sent using the Next Day/2 Day service will be available for collection within 24 and 48 hours, respectively. Account-based transfers usually take three business days, although transfers to electronic wallets (mWallet) are generally available within just a few minutes. Exceeding amount limitations, local restrictions or other restrictions in certain countries may delay the transaction. Western Union does not act as an agent or representative for any bank for any purpose and does not accept deposits on behalf of any bank. Call the number below or the number that appears on your receipt for more information.
Money transfers are usually paid in cash, but some Agents may pay by check or a combination of cash and check. Alternatively, the receiver may choose both methods to receive the funds, and some money transfers may be deposited to accounts.
All cash payments are subject to availability. In addition, receivers must display their personal identification documents and provide the full transaction information required by Western Union, including the names of the Sender and Receiver, the country of origin, the corresponding amount, the money transfer control number (MTCN) and any other requirements that may apply. Cash transfers will be paid to persons deemed by Agents to be entitled to receive the transaction upon presentation of their personal identification documents, following Western Union's KYC (Know Your Customer) policies. Such payment can be made even if the form completed by the Receiver contains errors. Neither Western Union nor its Agents will compare the "To Send Money" form against the "To Receive Money" form to verify the address provided for the Receiver. In some destinations, the Receiver may be asked to provide identification, the answer to a Test Question or both to receive funds in cash. Test Questions are not an additional security feature and cannot be used to put back or delay payment of a transaction. They are prohibited in certain countries.
Applicable law prohibits money transmitters from commercial operations with certain individuals and countries. Western Union is required to monitor and screen all transactions against a list of names provided by the governments of the countries in which we operate, including the Office of Foreign Assets Control (OFAC) of the US Department of the Treasury and the European Union. If a potential match is identified, Western Union investigates the transaction to determine whether the matched name is the individual on the relevant list. Customers are sometimes asked to provide an additional form of identification or information, which may delay transactions. This is a legal requirement for all transactions processed by Western Union (including transfers that originate and terminate outside of the US).
TRANSFER SERVICE FEE — Written information explaining how Western Union charges the Sender for making the money transfer will be displayed prominently at the Agent location or presented to the Sender prior to completion of the payment order. Unless applicable law in the destination country states otherwise, the Sender will pay all fees for the money transfer service. In certain cases, money transfer payments may be subject to local taxes and service charges.
FOREIGN EXCHANGE — Transfer Services are sent to the named Receiver in national currency and, if permitted by law, will be paid in United States Dollars according to currency availability. Money transfer payments will usually be made in the currency of the destination country (in some countries payment is only available in US dollars or an alternative currency). In addition to the transfer service fee applicable to each transaction, if the currency that the Sender presents to the Agent differs from the currency to be received by the Receiver, the currency will be 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 amount in the foreign currency indicated on the transaction receipt. In some countries, local regulations require that the currency be converted when the Receiver is paid, in which case the exchange rate and any amount indicated on the transaction receipt will be subject to exchange rate fluctuations between the transfer time and the time the Receiver collects the funds. Western Union calculates exchange rates based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times a day in line with the relevant exchange rates at the close of international financial markets. The exchange rate applied may be less favorable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the exchange rate offered to customers and the exchange rate received by Western Union will be assumed by Western Union (and, in some instances, its Agents), in addition to the transfer service fee. Additional information about exchange rates for specific destinations can be obtained by calling the number below or by visiting www.accivalores.com/western_union.
Sending and receiving in countries that provide payments in multiple currencies: Senders must select the payment currency at the time they send the transaction. The transfer service fee and any charges made by Western Union (or its Agents, cell phone carriers or account providers) when converting funds into a foreign currency may vary according to the selected payment currency. In some countries it is possible to opt to receive funds in a currency different from that selected by the Sender. Western Union (or its Agents, cell phone carriers or account providers) may charge additional fees when converting your funds to the currency selected by the Receiver.
SPECIAL SERVICES
The TELEPHONE NOTIFICATION service is available in several countries—for an additional fee—to notify the Receiver that the money transfer is available for collection. SUPPLEMENTAL MESSAGES may also be included for an additional fee with money transfers sent to most countries.
SMS — Subject to availability. Western Union offers the free SMS Notification service in some countries 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 text message will be sent to the cell phone number of the Sender and/or Receiver provided on this form. Western Union will send the text messages to a third-party platform for subsequent delivery. Western Union will not be held responsible for undelivered text messages or any technical malfunctions that occur outside of its proprietary systems.
ACCOUNT BASED TRANSFERS — MOBILE MONEY TRANSFER (MMT) Subject to availability. The Receiver may incur additional fees for receiving funds from the Sender via a cell phone, bank account or other type of account. Transfers must be sent to an account in the local currency; otherwise, the receiving institution may convert funds at its own exchange rate or reject the transaction. The contract between the Receiver and that individual's cell phone carrier, electronic wallet (mWallet) provider, bank or other account provider will govern the account and determine all rights, obligations, fees, the availability of funds and account limitations. If there is any inconsistency between the account number (including cell phone numbers for mobile accounts) and the Receiver's name, the transfer will be credited to the account number provided by the Sender. Western Union may earn money from fees associated with use of an account. Western Union accepts no liability to the Sender or any account holder for any fee, exchange rates used for conversion to a non-local currency, acts or omissions of any intermediary or destination financial service providers.
REFUNDS - Western Union will reimburse the principal amount of a money transfer (at the applicable exchange rate described in this document and in effect at the time of the refund) upon written request from the Sender if the payment has not been made or credited to the Receiver within 45 days. Refunds on transfer service fees are made upon written request from the Sender if the transfer is not available to the Receiver within the specified time limit for the selected service, subject to business hours and the availability of funds at the selected payment location and other conditions, including, without limitation, conditions beyond the control of Western Union or its Agents, such as inclement weather or telecommunications failure. Transfer service fees will not be 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 laws or other applicable legislation. By law, Western Union may deduct an administrative charge from money transfers that are not collected within a period of one year from the send date.
RESPONSIBILITY — THE AGENT IS RESPONSIBLE TO THE CUSTOMER AND THE AUTHORITIES FOR DELIVERY OF SERVICES PAID FOR THROUGH A MONEY TRANSFER FROM WESTERN UNION. SUBJECT TO THESE TERMS AND CONDITIONS, THE SENDER'S TRANSACTION DATA IS CONFIDENTIAL AND SHOULD NOT BE SHARED WITH ANY PERSON OTHER THAN THE RECEIVER. SENDERS ARE WARNED AGAINST SENDING MONEY TO ANY PERSON THEY DO NOT KNOW. WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY PRODUCT OR SERVICE PAID FOR THROUGH A WESTERN UNION MONEY TRANSFER. WESTERN UNION IS ONLY LIABLE FOR DIRECT DAMAGES CAUSED BY THE NEGLIGENCE OF ITS AGENTS OR ITS EMPLOYEES, EXCLUING INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. WESTERN UNION'S RESPONSIBILITY SHALL CEASE IN EVENTS IN WHICH THE DAMAGE HAS BEEN CAUSED BY FAILURES ATTRIBUTABLE TO THE AGENT'S USER.
When an Agent accepts a check, credit card 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 noncollectable, nor do they accept any liability for the damages resulting from the nonpayment of the money transfer for this reason. Western Union reserves the right to change these terms and conditions or the offered service by giving prior notice to the public through its communication channels. Western Union and its Agents may refuse to provide services any person who does not comply with the safety conditions established by Western Union and/or its Agents.
DATA PROTECTION. Your personal information ("Information") is processed by Acciones & Valores S.A. as an agent of Western Union in accordance with the applicable statuary laws in the Republic of Colombia including the Habeas Data Right (Law 1581 of 2012), regulated by decree 1377 of 2013, in the Colombian Privacy Act or Habeas Data Act (Law 1266 of 2008) and in the other provisions that may modify or replace them; which, in order to provide this service, must share it with Western Union (see the additional information at the beginning of this document). Western Union and Acciones & Valores will use the information provided in the transfer of money or payment service instruction, along with information automatically captured from the product's CUSTOMER hardware and software, including IP address, domain name, access times and activity on the Website, if this information is known and accepted, to guarantee the operation of the service, to ensure its quality and to provide general statistics on the use of the Website, as well as other personal data obtained or generated during the course of your Western Union relationship, emerging from transaction information and loyalty program, transaction history and marketing preferences, for the purpose of providing requested services including: administration, customer service, payment confirmation, user validation, fraud prevention, product development/commercial development. Your Information may also be used in connection with other Western Union services, products, commercial communications, convenience and/or reward programs that you have signed up for, or those of its affiliates, including email communications. If you choose to provide your landline phone number, cell phone number, and/or email address, you also give your express consent to receiving such commercial communications and/or notifications regarding transfer collection via the indicated channel (phone/SMS/email/MMS), and you agree that any charges imposed by the relevant service providers will be borne exclusively by you. If you do not wish to receive marketing communications, please contact Western Union as indicated below.
You consent to Western Union transferring your Information to its affiliates in countries other than the country where the information was originally gathered or created, including its affiliates located in the United States. The Information will be used for the purposes stated herein. Western Union and its affiliates around the world may disclose your Information if so required by (i) national or foreign legislation or within the framework of a local or international judicial process; (ii) public authorities or other government authorities (including those in this country, those of the United States, or any other location), and receivers, may disclose Information for the purposes of detecting, investigating, prosecuting and preventing crimes, including money laundering offenses and any other related criminal activities, and for other related purposes. Western Union will store and retain the Information provided by the Sender concerning third parties, including the details of the money transfer or payment service recipient ("Third-Party Information") in order to complete the transaction. The provision of your Information and that of the third party is voluntary but necessary (subject to the provisions set out in this paragraph) to perform the transaction. Without the relevant Information and Third-Party Information, Western Union cannot execute the money transfer or payment service, or provide convenience services or other requested services.
During the application and processing of this service, you consent to Western Union disclosing or transferring your Information and that of the third party to other persons located in countries, such as the United States of America, with whom we hold a contractual relationship that protects Information and Third-Party Information to the extent reasonably required for the purposes indicated in these Terms and Conditions, and to perform the money transfer, provide the payment service and facilitate future transactions, as well as for verification purposes, to help Western Union to understand and improve the products and services offered, or to supplement its Information with data from publicly available sources.
Western Union retains Information, marketing preferences and the transaction history of the Sender based on our record retention programs and for no longer than required for the purposes for which the data has been obtained, and in compliance with applicable laws. If the Sender does not make another transaction within the established retention period, the Sender's Information, as well as marketing preferences, will be deleted.
You have the right to access and request a copy of your Information, for which Western Union reserves the right to charge a small sum as permitted by applicable law. You may also correct, erase or block Information that is incomplete, inaccurate or out of date. You may also correct, erase or block information that is incomplete, inaccurate or out-of-date and you may, at any time, revoke your authorization forits processing, provided that such information is not necessary for the fulfillment of a legal or contractual obligation. Similarly, you may access your proof of authorization and file any complaints that you consider pertinent to the Superintendence of Industry and Commerce as the personal data protection authority, where there is an infringement of applicable law on this matter. Finally, you provide your express consent for your information to be processed in accordance with the terms set forth in the Personal Data Processing Policy, which you can access through this website https://accivalores.com/over-nosotros-para-personas-y-familias/informacion-financiera-y-regulatory or by requesting a copy via email servicioalclientewu@accivalores.com. You may also object on legitimate grounds relating to your particular situation to the processing of your information, when such processing is not required, and may at any time revoke your authorization for processing, provided that such information is not necessary for the fulfillment of a legal or contractual obligation. Similarly, you may access your proof of authorization and file any complaints that you consider pertinent to the Superintendence of Industry and Commerce as the personal data protection authority, where there is an infringement of applicable law on this matter. Finally, you provide your express consent for the processing of your information to be carried out in accordance with the terms set forth in the Personal Data Processing Policy, accessible at the following website https://accivalores.com/over-nosotros-para-personas-y-familias/informacion-financiera-y-regulatory or by requesting a copy via email servicioalclientewu@accivalores.com. You may also object at any time and on legitimate grounds related to your particular situation to the processing of your Information, when such processing is not required to complete the service, by law or according to regulations. If you wish to exercise these rights or no longer wish to receive commercial communications from Western Union, please contact Western Union during its regular business hours using the number listed below.
CUSTOMER SERVICE. If you are not satisfied with the service, please contact the telephone number listed below. A representative will investigate your claim as soon as possible.
AGENT INFORMATION
Opening Hours:
Monday–Saturday: 6:30 am to 8:30 pm.
Sunday 8:00 am to 6:30 pm
Contact:
National Line +(01) 8000 111700
Bogotá +(57) 1 651 0480
Email: servicioalclientewu@accivalores.com
The Western Union® Money TransferSM service is provided by Western Union Financial Services, Inc., a company based in the United States (for money transfers from the United States of America, Canada and Mexico, and commercial services), and Western Union International Limited, a company based in Ireland (for all other transactions), via a network of authorized Agents and representatives.
Copyright 2018 WESTERN UNION HOLDINGS, INC. All Rights Reserved.
The exchange rate applicable to your transfer appears above. Some money transfers will be converted into the pay-out currency at the moment they are sent. However, in some countries, local regulations require that money transfers are converted at the moment of pay out. If you send money to one of these countries, the exchange rate showing above will only be an estimate and the real exchange rate will be determined at the moment of pay out. Contact your Agent if you have any question regarding the exchange rate applicable to your transfer.
AT WWW.GIROSYFINANZAS.COM AS WELL AS IN THE GIROS Y FINANZAS LOCATIONS, THE TERMS AND CONDITIONS THAT REGULATE THE MONEY TRANSFER SERVICE ARE POSTED. WHEN YOU SIGN THE FORM, YOU ARE ACCEPTING OUR TERMS AND CONDITIONS. ON TOP OF THE MONEY TRANSFER SERVICE FEE, WESTERN UNION AND ITS AGENTS ALSO CHARGE A FEE FOR THE EXCHANGE RATE ON THE DIFFERENT CURRENCIES.
*PLEASE CHECK THE IMPORTANT INFORMATION IN REGARDS OF THE APPLICABLE EXCHANGE RATES WHICH YOU CAN FIND AT WWW.GIROSYFINANZAS.COM.
PROTECT YOURSELF FROM CONSUMER FRAUD, BE CAREFUL WHEN STRANGERS ASK YOU TO SEND THEM MONEY. Remember that the money transfer can be paid to your receiver in a short period of time from the moment it’s sent, and you will not be able to get a refund from Western Union.
To get more information about how to protect yourself from fraud, visit: www.westernunion.com/stop fraud
THE WESTERN UNION® MONEY TRANSFER SM SERVICE IS PROVIDED UNDER THE FOLLOWING TERMS AND CONDITIONS:
Western Union® Money Transfer SM transactions can be sent and picked up at most Western Union® Agent locations worldwide. Customers may call the number listed below for the address and hours of nearby locations.
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 (“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 within 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 an Agent or representative of any bank for any purpose and does not accept deposits on behalf of any bank. Please call the number listed at the bottom or the one showing in the receipt to request more information.
Money transfers will normally be paid in cash, but some Agents can pay by cheque or a combination of cash and cheque. In some cases, the receiver can choose both options to receive the 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 expected sum, the money transfer control number (MTCN and any other condition or requirement as applicable Cash money transfer shall be paid to the person that the Agent deem entitled to receive the transaction , after verification of identity often through examination of identification documents once all the identification documents required are presented following the KYC (Know Your Customer) policies of Western Union. 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 can be asked to provide an ID, an answer to a Test Question, or both, in order to receive funds in cash. Test Questions are not an additional security feature and cannot be used to time or to 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).
TRANSFER SERVICE FEE – 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 transaction. 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.
EXCHANGE RATE – The Transfer Services are given to the identified Receiver in local currency, and allowed by law, it will be paid in U.S. Dollars upon currency availability. Money transfer payments will generally be done in the destination country’s currency (in some countries the payment is only available in U.S. Dollars or an alternative 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 the transfer and the Receiver will receive foreign currency amount indicated in the declaration of exchange of the transfer. 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 the receipt 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 favorable 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 bottom of this form or on our website at www.girosyfinanzas.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.
SPECIAL SERVICES
In various countries the customer is offered -for an additional charge- the service of PHONE NOTIFICATION to inform the Receiver that the money transfer is available for collection. Customers can also add COMPLIMENTARY MESSAGES for an additional charge to money transfers sent to the majority of countries. TELEPHONE NOTIFICATION to the Receiver that the money transfer is available for pick up is offered in most countries 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 the Sender and the Receiver as applicable free SMS notification to indicate that the transaction has been collected by the Receiver or that funds are available for collection. 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 the receipt. 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 or 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– THE AGENT IS RESPONSIBLE TO THE CLIENT AND THE AUTHORITIES IN REGARD TO THE SERVICES PROVIDED PAID THROUGH A MONEY TRANSFER BY WESTERN UNION. SUBJECT TO THESE TERMS AND CONSITIONS, THE SENDER’S TRANSACTION DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN HIS RECEIVER. IT IS NOT ADVISED THAT THE SENDER SEND MONEY TO AN UNKNOWN PERSON. WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY PRODUCT OR SERVICE PAID BY A WESTERN UNION MONEY TRANSFER. WESTERN UNION WILL BE ONLY LIABLE FOR DIRECT DAMAGES THAT HAPPENED BECAUSE OF THE NEGLIGENCE OF ITS AGENTS OR THEIR EMPLOYEES, EXCLUDING INDIRECT SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. WESTERN UNION LIABILITY WILL STOP IN THE EVENTS IN WHICH THE DAMAGE HAS BEEN CAUSED FOR REASONS IMPUTABLE TO AGENT´S USERS
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 un-collectable, nor do they assume any liability for damages resulting from nonpayment of the money transfer by reason of such un-collectability. 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 (“Information”) is processed according to the applicable laws and is controlled by Western Union (check the additional information that is located at the top of this document). Western Union uses Information provided in the money transfer or payment services instruction, together with other personal data which is collected or generated during the course of your relationship with Western Union, to include transaction and loyalty program details, transaction history and marketing preferences, for the purposes of providing the requested services including; administration, customer service, payment confirmation, user validation, fraud prevention, product/business development and other activities. Your Information may also be used in connection with other services, products, commercial communications, convenience and/or rewards programs, you signed up for with Western Union or its affiliates. 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 below.
You are giving your consent to Western Union, so it can transfer to its subsidiaries in other countries different from the country where the information was originally collected or created, including subsidiaries located in the United States. The information will be used for the purposed explained here. Western Union and its subsidiaries around the world could reveal your information, if it’s been required (i) by a local or foreign law or in the frame of a local or international judicial process (ii) by public authorities or other government authorities (including the ones in this country, the ones in the United States or the ones in any other place) for the purpose of detection, investigation, trial and crime prevention, including money laundering and any other related criminal activity, and the recipients can reveal information for these and other related purposes. Western Union will hold and retain Information that the Sender gives us about another person to include details about the Receiver of the money transfer or payment service the “Third Party’s Information”) in order to execute the transaction. Provisioning of your Information and 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 and Third Party’s Information, Western Union is unable to execute the money transfer or payment service, facilitate convenience activities or other requested services.
You consent to Western Union disclosing or transferring your Information and Third Party Information to third parties located in countries such as the United States, with whom we have a contractual relationship to protect Information and Third Party 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, payment service, to facilitate future transactions, for verification purposes, to assist Western Union to understand and improve our product and service offerings or to supplement your Information with data from publicly available sources.
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 deleted.
You have the right to have access to and request a copy of your information, for which Western Union reserves the right to charge a small amount as long as the applicable local legislations allows it. Also, you can correct, delete or block incomplete, inaccurate or out of date information and you can, at any time, revoke your authorization for the processing of said information, as long as it is not necessary to comply with a legal or contractual obligation. As well, you will have access to the proof of your authorization, and the ability to present any complaint that you deem pertinent before the Superintendence of Industry and Commerce (Superintendencia de Industria y Comercio) as the overseeing authority of personal data protection, when a violation of the applicable legislation in the matter applies.
Finally, you are giving your express consent to the processing of your information to be done in accordance with the terms addressed in the personal data Treatment Policy, which you can access through the website www.girosyfinanzas.com or by requesting a copy through email (servicioalcliente@girosyfinanzas.com). You can also object -at any time and with legitimate cause related to your personal situation- the processing of your information, when said processing is not a requirement, to complete the service, by law or by norm, and you can at any time revoke your authorization for the processing, as long as said information is not necessary for the compliance of a legal or contractual obligation. In the same manner, you can have access to the proof of your authorization and to present any complaint that you deem pertinent before the Superintendence of Industry and Commerce (Superintendencia de Industria y Comercio) as the overseeing authority of personal data protection, when a violation of the applicable legislation in the matter applies.
Finally, you are giving your express consent to the processing of your information be done in accordance with the terms addressed in the personal data Treatment Policy, which you can access through the website www.girosyfinanzas.com or by requesting a copy through email (servicioalcliente@girosyfinanzas.com). You can also object -at any time and with legitimate cause related to your personal situation- to the processing of your information, when said processing is not a requirement to complete the service, by law or by norm.
CUSTOMER RELATIONS. In case you are not satisfied with the service, please call the number at the bottom. A representative will investigate your claim and will do so in the best way and in the shortest time possible.
AGENT CONTACT INFORMATION
Giros y Finanzas
Calle 4 No. 27-52 Cali
Bogotá:
+57 (1) 635 35 60
Medellín:
+57 (4) 511 51 51
Cali:
+57 (2) 518 48 00
Barranquilla:
+57 (5) 368 79 96
Pereira:
+57 (6) 335 16 11
Linea Nacional
+018000 111 999
International: USA/Miami:
786 206 61 44
Canadá /Montreal:
+514 448 18 74
Panama:
+833 92 75
E-mail:
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 authorized Agents and representatives.
Copyright 2018 WESTERN UNION HOLDINGS, INC. All rights reserved.
Western Union contact number: +1-720-332-1000