Terms and Conditions governing the Money Transfer Service under the Western Union brand name

WESTERN UNION® MONEY TRANSFER SERVICE IS PROVIDED SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS.

Transfers through the Western Union® Money Transfer^SM Service can be sent and cashed at most Western Union Agent locations worldwide. Customers may call the telephone number listed below to request the address and business hours of nearby locations. Some locations are open to the public 24 hours a day. When an Agent accepts a check, credit card or debit card or other form of payment that is not cash, neither Western Union nor the Agent assumes any obligation to process or pay the money transfer if the form of payment becomes impossible to collect, nor does it assume any liability for damages resulting from non-payment of the money transfer due to such circumstance. Western Union reserves the right to change these terms and conditions or the service offered without notice. Western Union and its Agents may refuse to offer the service to any individual.

Money transfers are available for collection within minutes, subject to the business hours of the Western Union Receiving Agent's (”Agent”) location. Next Day/2 Day money transfer services and account transfers are available on request for limited countries. Money sent using the Next Day/2 Days service will be available for collection within 24 and 48 hours, respectively. Transfers to bank accounts generally take 3 business days, although transfers to electronic wallets (mWallet) are generally available in minutes. Exceeding amount limits, local 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. Call the number below or the number on the receipt for further information.

Money transfers are usually paid in cash, but some Agents may pay by check or a combination of cash and check, or the recipient may choose both ways to receive the funds, and some money transfers may be deposited into accounts. All cash payments are subject to availability, and to the beneficiaries displaying personal identification documents and providing all information required by Western Union about the transaction, including Sender and Beneficiary names, country of origin, approximate amount, money transfer control number (MTCN) and any other applicable requirements. The Sender authorizes Western Union to accept the method chosen by the Beneficiary to receive the funds, even if it differs from that chosen by the Sender. Cash transfers shall be paid to persons whom the Agents consider entitled to receive the transaction after having verified their identity, generally by means of the presentation of their personal identification documents. Such payment may be made even if the form completed by the Beneficiary contains errors. Neither Western Union nor its Agents will compare the “Send Money” form to the “Receive Money” form in order to verify the address provided for the Beneficiary. At some destinations, the Beneficiary may be asked to provide identification, an answer to a Test Question, or both to receive the cash funds. Test Questions do not constitute an additional security feature and cannot be used to take up time or delay the payment of a transaction; these are forbidden in certain countries.

Applicable law prohibits transmitters from doing business with certain individuals and countries. Western Union must monitor and compare 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 of the U.S. Department of the Treasury (OFAC) and the European Union. If a potential match is identified, Western Union investigates the transaction to determine whether the individual's name appears on the list involved. Occasionally, customers are requested to provide a form of identification or additional information, which may delay transactions. This is a legal requirement for all transactions processed by Western Union (including transfers originating and terminating outside the U.S.).

TRANSFER SERVICE COMMISSION - Written information explaining how Western Union charges the Sender for making the money transfer will be prominently displayed at the Agent’s location or will be reported to the Sender prior to completing the transaction. Unless otherwise required by applicable law in the destination country, the Sender shall pay all charges for the money transfer service. In certain cases, the payment of a money transfer may be subject to local taxes and service charges.

EXCHANGE RATE - Money transfer payments will generally be made in the currency of the destination country (in some countries, payment is available only in U.S. Dollars or other alternative currency). In addition to the transfer service fee applicable to each transaction and if the currency the Sender submits to the Agent is not the currency to be received by the Beneficiary, the currency shall be converted at the exchange rate provided by Western Union in effect at that time. The currency shall be converted at the time of transfer and the Beneficiary will receive the amount of foreign currency indicated on the receipt. In some countries, local regulations require that the currency be converted when it is paid to the Beneficiary, in which case the exchange rate and any amount indicated on the receipt will be subject to exchange fluctuations between the time of transfer and the time the Beneficiary collects the funds. Western Union calculates its exchange rate based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times a day in line with the relevant exchange rate 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 borne by Western Union (and, in some instances, by its Agents) in addition to the commission for the transfer service. Additional information about exchange rates for specific destinations may be obtained by calling the number at the bottom of this form or by visiting our website www.westernunion.com.

Shipments and payments in countries that provide payments in multiple currencies: Senders must select the payment currency when they initiate the transaction. The commission for the transfer service and the money Western Union (or its Agents, cell phone provider or account) earns when converting funds into a foreign currency may vary according to the payment currency selected. In some countries it is possible to decide to receive funds in a currency other than that selected by the Sender. Western Union (or its Agents, cell phone provider or account) may earn additional money when it converts its funds to the currency selected by the Beneficiary.

SPECIAL SERVICES - In several countries the TELEPHONE NOTIFICATION service is offered at an additional charge to inform the Beneficiary that the money transfer is available for collection. FURTHER MESSAGES may also be included at an additional charge on money transfers sent to most countries.

SMS - Subject to availability, Western Union offers the Sender and the Beneficiary, as applicable, the service of Free Notification by text message to indicate that the transaction has been charged by the Beneficiary or that the funds are available for collection. Charges applied by the service provider are the sole responsibility of the Sender or Beneficiary. If permitted by applicable law, the text message will be sent to the cell phone listed on the Sender’s and/or Beneficiary’s receipt. Western Union will send text messages to a third-party terminal for later delivery. Western Union shall not be liable for undelivered text messages or technical defects that may occur outside of its proprietary systems.

TRANSFERS TO ACCOUNTS - MOBILE MONEY TRANSFER (MMT) Subject to availability, the Beneficiary may incur additional charges for receiving funds from the Sender through a cell phone or into a bank account or other account. Transfers must be sent to a local currency account (Beneficiary), otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The contract entered into by the Beneficiary with their wireless service, electronic wallet (mWallet), bank or other account provider governs the account and determines their rights, obligations, commissions, availability of funds and account limitations. If there is any inconsistency between the account number (including cell phone numbers for mobile accounts) and the Beneficiary’s name, the transfer will be credited to the account number provided by the Sender. Western Union may earn money from commissions associated with the use of an account. Western Union assumes no liability to the Sender or account holder for any commission, exchange rate used for conversion to a non-local currency, or acts or omissions of intermediary or destination financial service providers.

REFUND - Western Union will refund the amount of capital of a money transfer (at the applicable exchange rate described herein and in effect at the time the refund is made) upon written request of the Sender if payment to the Beneficiary has not been made or credited within 45 days. Refunds of commissions for the transfer service are made upon written request of the Sender if the transfer is not available to the Beneficiary within the time specified for the selected service, subject to business hours and availability of funds in the selected location for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its Agents, such as inclement weather or telecommunications failures. Fees for the transfer service shall 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 U.S. or other applicable law. To the extent permitted by law, Western Union may deduct an administrative fee from uncollected money transfers within one year from the date of mailing.

RESPONSIBILITY - WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY PRODUCT OR SERVICE PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. THE SENDER’S TRANSACTION DATA IS CONFIDENTIAL AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN ITS BENEFICIARY. IT IS NOT ADVISABLE FOR THE SENDER TO SEND MONEY TO AN UNKNOWN PERSON. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES, DELAYS, NON-PAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR FOR FAILURE TO DELIVER ANY SUPPLEMENTARY MESSAGE, WHETHER CAUSED BY THE NEGLIGENCE OF ITS EMPLOYEES OR AGENTS OR OTHERWISE, IN EXCESS OF THE SUM EQUIVALENT TO US$500 (IN ADDITION TO THE REIMBURSEMENT OF THE PRINCIPAL AMOUNT AND THE COMMISSION FOR THE TRANSFER SERVICE). IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER SHALL NOT LIMIT THE LIABILITY OF WESTERN UNION OR ITS AGENTS FOR DAMAGES RESULTING FROM THE GROSS NEGLIGENCE OR WILLFUL MISCONDUCT OF WESTERN UNION OR ITS AGENTS IN JURISDICTIONS WHERE SUCH LIMITATION OF LIABILITY IS VOID.

DATA PROTECTION - Your personal information (”Information”) is processed in accordance with applicable laws and is controlled by Western Union. Western Union uses the information provided in the money transfer or instruction of payment services, along with other personal data obtained or generated during the course of your relationship with Western Union, emerging transaction information and loyalty program, transaction history and Marketing preferences, for the purposes of providing the requested services including: administration, customer service, payment confirmation, user validation, fraud prevention, product development/commercial development and other activities.

 Your information may also be used in connection with other services, products, commercial communications, convenience and/or award programs of Western Union or its affiliates to which you have adhered. If you choose to provide your landline, cell phone, and/or e-mail address in the optional entries above, you are also giving your express consent to receive such commercial communications and/or notices about the collection of the transfer in the medium indicated (telephone/SMS/E-mail/MMS), and you agree that any charges imposed by the relevant service providers will be your sole responsibility. If you do not wish to receive marketing communications, please contact Western Union in the manner indicated below.

 You are consenting to Western Union transferring to its affiliates in countries other than the country in which the information was originally collected or created, including its affiliates located in the United States. The Information will be used for the purposes expressed herein. Western Union and its affiliates around the world may disclose your Information if required to do so (i) by national or foreign law or in the course of local or international judicial process (ii) by public authorities or other governmental authorities (including those of this country, the United States or elsewhere) for purposes of detection, investigation, prosecution and prevention of crimes, including money laundering offenses and any related criminal activity, and recipients may disclose Information for these and related purposes.

Western Union will save and retain information provided by the Sender about third parties, including details of the Beneficiary of the money transfer or payment service (”Third-Party Information”) in order to conduct the transaction. Supplying your information and that of the third party is voluntary but necessary (subject to the provisions set out in this paragraph) to carry out the transaction. Without the relevant information and Third-Party Information, Western Union cannot 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 other persons located in countries such as the United States of America, with whom we have a contractual relationship to protect Third-Party Information and information such as authorized service providers, Agents or others, to the extent reasonably required for the purposes set forth in these Terms and Conditions, and to conduct money transfer, payment services, facilitate future transactions, for verification purposes, to help Western Union understand and improve its products and services offered or to supplement your information with data from publicly available sources.. Western Union retains information, Marketing preferences, and Sender transaction history based on our record retention programs for no longer than is necessary for the purposes for which the data was obtained and in compliance with applicable laws. If the Sender does not make another transaction within the set retention period, the Sender’s information as well as Marketing preferences shall 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 fee to the extent permitted by applicable law. You may also correct, delete, or block information that is incomplete, inaccurate, or out of date.

You may also object – at any time and on legitimate grounds relating to your particular situation – to the processing of your information, where such processing is not required to complete the service, by law or regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Western Union, please contact Western Union using the number below during normal business hours.

DECLARATION:

By accepting these Terms and Conditions, clients declare under oath:

• TO HAVE READ AND ACCEPTED THE TERMS AND CONDITIONS GOVERNING THE MONEY TRANSFER SERVICE UNDER THE WESTERN UNION BRAND;
• THAT THE INFORMATION STATED IS A TRUE REFLECTION OF THEIR CURRENT SITUATION;
• THAT THE FUNDS USED IN THIS OPERATION COME FROM LAWFUL ACTIVITIES;
• TO FULLY KNOW AND IDENTIFY THE BENEFICIARY, WHO IS IN THE DESTINATION COUNTRY INDICATED ON THE FORM;
• NOT TO USE THE FUNDS TRANSFER SERVICE FOR PURPOSES OTHER THAN CUSTODY, GUARANTEE OR OTHER;
• TO MAINTAIN STRICT CONFIDENTIALITY OF THE INFORMATION PROVIDED.

CONTACT INFORMATION:

For information or inquiries regarding the Application, its Terms of Use or the Terms and Conditions of Service, please contact us at:

Western Union® Money Transfer^SM service is offered by Western Union Financial Services, Inc.a North American company (for money transfers from the United States of America, Canada and Mexico, and commercial services) and Western Union International Limited, an Irish company (for all other transactions), through a network of Agents and authorized representatives

© 2017 WESTERN UNION HOLDINGS, INC. All Rights Reserved.