Effective Date: April 2016

This Privacy Statement describes how Western Union collects and uses your personal information that we obtain when you visit or use our website or mobile applications.

INFORMATION WE COLLECT

Western Union collects personal information about you from a variety of sources including but not limited to those below. You agree to the processing of this information for the purposes and ways described in this Privacy Statement, including the transfer of your personal information outside of your country to countries including, but not limited to, the United States.

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 and depending on the service you use:

government identification documents, such as driver's license, state identification, passport, visa, or tax identification number, and other information required to comply with financial services regulations such as proof of income or funds and purpose of transaction
name, address, email address, mobile and home telephone number, age, date of birth, gender, citizenship, occupation and marital status
account balances, 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 device'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

We collect your personal information when you:

ask us, one of our affiliated companies, or Western Union agents ("Affiliates") to send or receive money, complete a payment or use or request any of our other products or services;
submit personal information to us, or our Affiliates on applications, forms and by other means;
use or visit our or other online websites (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 websites, such as westernunion.com.

We also collect personal information about you from a variety of sources, such as, computer systems and mobile devices, our business customers, government agencies, advertising agencies and networks, social media operators and networks, consumer and credit reporting agencies, and other suppliers of information, to assist us in providing you with the products or services requested or to assist us in running our business. We may collect, track and combine information across devices, platforms and transaction channels.

We collect personal information when we are required to do so by law and as part of compliance programs, in particular those related to anti-money laundering and preventing criminal and fraudulent activity.

We collect personal information on your online activity as described in the paragraph below titled “COOKIES AND INTERNET TECHNOLOGY”.

If you do not provide information that is required, we may be unable to provide you with the requested services.

USE OF INFORMATION

We use the personal information we obtain for the following activities:

To provide, deliver and assist us in providing, managing and delivering any products and services to you (including money transfers, payment services, prepaid cards, loyalty programs, and other Western Union products or services) and to help us improve and develop these services;
To send you commercial communications, subject to any choices you have made, and keep you informed about Western Union or third party products and services, loyalty programs 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 confirm your eligibility for any services, or products you apply for, and to maintain accuracy of our records;
To comply with legal and regulatory obligations including responding to court orders and legal investigations, detecting and preventing fraud, money laundering and other illegal or illegitimate activity;
If you apply to become a Western Union Agent, we will use the personal information you provide to consider your application and verify your suitability and eligibility to be an agent;
To allow you to receive the best experience using our websites or apps including to store your preferences, passwords and other information and track activity on our websites or apps; to better understand the effectiveness of our promotional campaigns; to determine whether you came to our website or app from a banner ad or an affiliate website or app; to deliver information specific to your interests on additional websites or apps, to determine whether you have acted on our promotional messages; to improve the running of our websites or apps and to improve the customer experience and the operation of our business;
To validate your creditworthiness or your identity and to make risk decisions; and
As otherwise permitted or required by law.

COOKIES & INTERNET TECHNOLOGY

We, our service providers and other third parties may use internet 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 services to you;
To allow you to change web or app pages during your visit without having to re-enter your password;
To temporarily track activity on our website or app and third party websites and apps;
To determine whether you came to our site 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; and
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 and to assist you in carrying out transactions and accessing account information.

In addition, we use cookies, software and other mechanisms to help us prevent and detect fraud, theft, money laundering and other illegal or illegitimate activities. To do this we may use computer and mobile device information such as the domain and host you use to access the internet including details such as your device 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.

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

Western Union does not honor any web browser “do not track” signals or other mechanisms that provide you the ability to exercise choice regarding the collection of personal information about your online activities over time and across third-party websites or online services. In addition, other parties may collect personal information about your online activities over time and across different websites when you use our website or any of our services.

INFORMATION WE DISCLOSE

We may disclose personal information to the following:

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 Business Solutions (UK) Limited, Custom House Financial (UK) Limited;
Companies which help us run or improve the running of our business or which help us deliver products and services to you;
In order comply with legal, regulatory, security and processing requirements, government and foreign government requirements applicable to us, our Affiliates or service providers, including, but not limited to, anti-money laundering laws;
To organisations which help us process transactions, validate customer information, and help us prevent debt, fraud, theft or loss;
In connection with a merger, acquisition or sale of the company or any of its assets;
As permitted or required by any applicable laws and regulations

Western Union and our affiliates worldwide may disclose your personal information, including, but not limited to, your name, customer ID number, address, transaction patterns and bank account information, (i) if we are required to do so by domestic or foreign law or legal process or (ii) to law enforcement authorities or other government officials (including those in this country, the United States or elsewhere) for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity, and the recipients may further disclose the personal information for these and other related purposes.

CONFIDENTIALITY AND SECURITY

To help protect your personal information from unauthorized access and use, we endeavor to use reasonable security measures. These measures can include physical, technical and procedural safeguards such as computer safeguards and secured files and buildings. We also endeavor to limit access to personal information to our employees, agents and representatives that need to know. Despite our efforts, third parties may unlawfully intercept or access your personal information, transmissions sent to us, or may wrongly instruct you to disclose personal information to them while 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.

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 personal 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 personal information we hold and request us to correct or erase any erroneous or out-of-date personal information. We reserve the right to independently verify claims made. To protect your privacy, we will also take reasonable steps to verify your identity before making any 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 WEBSITES

Our website may be linked to or from third party Websites. Western Union is not responsible for the content or privacy practices employed by websites that are linked to or from our Website.

CHANGES

Western Union reserves the right to modify this Privacy Statement. Updated Privacy Statements will be posted on this website and app when amendments occur. We urge you to review this Privacy Statement when you visit to obtain the most current statement.

CONTACT US

If you have any questions or queries, please:

Corporate Headquarters

Privacy Office

12500 E. Belford Ave

Englewood, CO 80112

USA

privacy@westernunion.com

+1-720-332-1000