Privacy Statement

Western Union Financial Services, Inc. - Privacy Statement (United States)  

This Privacy Statement applies to information collected by Western Union Financial Services, Inc. in connection with the Western Union®, Vigo® and Orlandi ValutaSM services.

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, email address, mobile and home telephone number, age, date of birth, gender, citizenship, occupation and marital status
  • account balances and transaction history and loyalty program information
  • credit, debit, bank account and payment history information
  • computer and mobile device information, such as the domain and host you use to 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; websites you have visited or later visit, social profile and network information; the date and time you access our website, the internet address used to link to our website when you visit us and cookie information

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 October 3, 2016.
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; manage our consumer relationships; provide requested products and services; 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; in connection with a merger, acquisition or sale of the company or any of its assets; make risk decisions; detect and prevent fraud and other illegal activity; 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 
If you prefer that we limit sharing with affiliates or nonaffiliated third parties as described above, you may opt-out of those disclosures by any of the following methods: 

 Call 1-800-562-2598

 Visit us online: westernunion.com, log into your account and edit your Profile settings

 Email privacy@westernunion.com


 Mail to:
Western Union Financial Services, Inc.
Western Union Privacy Office
12500 East Belford Avenue
Englewood, CO 80112

Please note: If you are a new consumer or customer, we can begin sharing your information 30 days from the date we provided 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.

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. 

Questions? Call 1-800-562-2598 or click on the “Contact Us” link at the bottom of the page 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 access to personal information to only employees, agents and representatives that need to know. Despite our efforts, third parties may unlawfully intercept or access your personal information, 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. Always use caution and good judgment when sending money and when using internet and mobile technologies.
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 or other financial companies
  • submit information to us, our Agents or other third parties on applications, 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, register for email alerts or marketing communications, or join a loyalty program
  • use our mobile app or internet sites, such as westernunion.com

We also collect information about you from a variety of sources, including without limitation, computer systems and mobile devices; third party sources such as our business clients, government agencies, advertising agencies and networks, social media operators and networks, and other suppliers of information; and consumer reporting agencies. We may collect, track and combine information across devices, platforms and transaction channels.

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.
Definitions
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, advertising agencies and networks, social media operators and networks, membership and loyalty 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
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 email or mailing address below and must contain your name, address, 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 below. California consumers should contact us at the mailing address below for instructions on how to deliver their consent. 

Email: privacy@westernunion.com

Mail to:
Western Union Financial Services, Inc.
Western Union Privacy Office
12500 East Belford Avenue
Englewood, CO 80112


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. 

INTERNET TECHNOLOGY & INTERNET-BASED ADVERTISING
We, our service providers and other third parties may use technologies such as cookies, pixels and web beacons to collect information such as browser type, operating system, network information, time spent on the website or app, pages visited, language preferences, and your relationship with us.

We use this information for a variety of purposes, including but not limited to, those identified below:

  • To assist us in providing products and services to you;
  • To track activity on our website or app and third party websites and apps;
  • To determine whether you came to our website or app from a banner ad or a third party website or app;
  • To deliver information specific to your interests via email, through our website or app, and on third party websites and apps;
  • To identify you when you visit the website or app, to store your preferences, to personalize the content of the website or app for you, to allow you to change web or app pages during your visit without having to re-enter your password and to allow you to access account information; and
  • To better understand the effectiveness of our promotional campaigns.
We also have relationships with advertising companies, who may use cookies, pixels, web beacons, app or device information or related information to display advertising tailored to your interests or location. To learn more about this type of advertising, visit the Network Advertising Initiative at www.networkadvertising.org/choices. To opt-out of tailored advertising delivered by other advertising companies, you should choose the appropriate settings in your browser(s) (e.g., block cookies), device (e.g., turn “Location” off) and app(s). Please note that if you do not accept cookies or change your device or app settings, you may experience some inconvenience in your use of our website or app and some online or mobile products and services.

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.