Legal information for the UK
UNITED KINGDOM (UK) Terms and Conditions for Western Union® Online Money Transfer Services
IT IS IMPORTANT FOR YOU TO READ AND UNDERSTAND OUR TERMS AND CONDITIONS BEFORE YOU ACCEPT THEM. THEY CONTAIN LIMITATIONS ON THE SCOPE OF OUR OBLIGATIONS TO YOU, AS WELL AS LIMITATIONS AND EXEMPTIONS FROM OUR LIABILITY TO YOU FOR DAMAGE THAT YOU MAY SUFFER AS THE RESULT OF A WESTERN UNION ONLINE MONEY TRANSFER. THE RESPECTIVE PROVISIONS ARE HIGHLIGHTED IN BOLD.
Our Terms and Conditions use the following definitions:
a. "Bank Card" refers to a Visa® or MasterCard® credit card, or a debit card;
b. “Business Day” refers to a day that is not a Saturday or Sunday and on which banks are open for general business in England;
c. "Card Issuer" refers to the issuer and the owner of a Bank Card;
d. “EEA” refers to the European Economic Area;
e. "Receiver" refers to the person named as the beneficiary of a money transfer Western Union® Online Service ;
f. "Sender" refers to the person who initiated a money transfer through the Western Union® Online Service ;
g. "Transaction" refers to a money transfer that You initiate through the Western Union® Online Service ;
h. "Western Union", "We", "Our" or "Us" refers to Western Union International Bank GmbH, UK Branch and Western Union International Limited and in regard to Clause 9 of these Terms and Conditions and in references made (in whatever terms) to negligence or fraud also includes Western Union affiliates or agents insofar as these assume operations which otherwise would have to be performed by Western Union in order to provide the Western Union® Online Service ;
i. " Western Union® Online Service " refers to money transfer services which We provide through the Western Union Website or its mobile application (“Western Union Mobile Application”);
j. "Western Union Website" or "Website" refers to the Website which We operate in order to provide money transfer services and to the Western Union Mobile Application; and
k. "You”, “Yours” or “Your" refers to every and any person using the Western Union Website as a Sender.
1. ABOUT US
1.1. The Western Union® Online Service is offered in the United Kingdom by Western Union International Bank GmbH, UK Branch (“WUIB”) in cooperation with Western Union International Limited. WUIB (Branch Address: 200 Hammersmith Road, London, W6 7DL) is a branch of Western Union International Bank GmbH (company number FN256184t, VAT Number ATU61347377), an Austrian limited liability company with registered offices at The Icon Vienna (Turm 24), Wiedner Gürtel 13, 1100 Vienna, Austria. Its Data Processing Registration Number is 2111221. Western Union International Limited is an Irish company (number: 372428) with registered offices at Unit 9, Richview Office Park, Clonskeagh, Dublin 14, Ireland.
1.2. Customers may obtain information about the addresses and hours of operation of Our agents and local representatives by calling this telephone number: 0808 234 9168 (for UK residents only) or +32-(0)2 639 7103 (for calling outside UK). WUIB can also be contacted by email sent to email@example.com
1.3. WUIB is authorised and regulated by the Austrian Financial Market Authority and also subject to regulation by the Financial Conduct Authority and limited regulation by the Prudential Regulation Authority. Details about the extent of WUIB’s regulation by the Financial Conduct Authority and Prudential Regulation Authority are available from WUIB on request.
2. OUR SERVICES
2.1. Western Union® Online Service offers money transfer services nationally and internationally. You must be at least 18 years old to use the Western Union® Online Service and You must have Your habitual residence in the United Kingdom. Each money transfer is given an individual transaction number, the Money Transfer Control Number or "MTCN".
2.2. By completing and consenting to the information required to make a money transfer and by accepting these Terms and Conditions, the Sender instructs WUIB to execute a specific money transfer. Every individual money order constitutes a separate agreement between WUIB and the Sender which is limited to the execution of a specific money transfer. At no moment in time is a framework agreement concluded between You and Us which obligates Us to execute individual and subsequent money transfers. The Sender shall inform the Receiver of the money transfer accordingly.
2.3. Subject to statutory or regulatory requirements, We undertake to make funds available for collection by the Receiver at the latest at the end of the Business Day following the Business Day on which the funds were received (“Day of Receipt”) in the following cases:
a. for any payment made in sterling to a Receiver in the UK;
b. for any payment made in euro to a Receiver in the UK or the EEA;
c. for any payment involving a single currency conversion, but only if the conversion is between sterling and euro and the payment is made in sterling or euro to a Receiver in the UK or in euro to a Receiver in the EEA.
2.4. In other cases, We undertake to make funds available for collection by the Receiver at the latest at the end of the fourth Business Day after the Day of Receipt.
2.5. The time of receipt is the time when We receive the funds to be transferred and the fees associated with said transfer.
2.6. For regular money transfers the funds are normally available for collection within a few minutes, subject to the business hours of the respective agent location. For some countries, the service may be delayed or other restrictions may apply. If You require further information, please contact the telephone number stated in Item 1.2 of these Terms and Conditions.
2.7. The Western Union® Online Service provides various options for the Receiver to receive funds including cash at an agent location, direct to a bank account or to a mobile phone, where available. Where funds are to be paid out in cash the Receiver must provide adequate proof of his or her identity in addition to all transaction details required by Western Union pertaining to the money transfer, in particular the name of the Sender, the country from which the money was sent, the name of the Receiver, the approximate amount of money transferred and any and all other conditions and requirements that are mandatory at the Western Union agent location for the funds to be paid out, such as the MTCN (Money Transfer Control Number). The payment of funds to be collected will be made to the Receiver that Western Union or its agent deems entitled to receive the money following verification of the identification documents. Payments may be effected if the transaction information provided by the Receiver contains minor mistakes (but Western Union and its agents have no obligation to effect any payment in such circumstances). Neither Western Union nor its agents will verify the address details of the Receiver. At certain payment locations the Receiver may be asked to provide proof of his or her identity or answer a test question or both in order to receive the funds. Test questions do not constitute an additional security feature and cannot be used to time or delay the payment of a money transfer and are prohibited in certain countries. For transactions to a bank account or to a mobile phone Western Union will transfer the funds to the account identified by the Sender. In the event of an inconsistency between the holder of the account number (including mobile phone numbers for mobile phone accounts) and the name of the intended Receiver, the transfer will be credited to the account number provided by the Sender.
2.8. Applicable law prohibits money transmitters from doing business with certain individuals or countries; Western Union is required to screen all Transactions against lists of designated persons subject to sanctions imposed by the governments of the countries and territories in which We do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC), the European Union and the UK. If a potential match is identified, Western Union researches the Transaction to determine if the name matched is indeed the individual on the relevant list. For this purpose, Western Union is entitled to request from the Sender or the Receiver additional details and proof of identification which may cause the Transaction to be delayed. This is a legal requirement for all Transactions processed by Western Union.
2.9. Transfer Fees: Written information explaining how Western Union charges the Sender for making a money transfer is available on the Western Union Website and is shown to the Sender prior to completion of the payment order. The specific transfer fees for a Transaction are indicated in the “Send Money Online” field at www.westernunion.com/gb. Simply select Your destination country, enter the amount to be transferred and click on “Calculate”. The Sender shall bear all fees due to complete the money transfer unless applicable law in the destination country requires otherwise. In certain cases money transfer payments may be subject to local taxes and service charges. The Receiver may incur additional fees for receiving the Sender’s funds through an account-based money transfer, a mobile telephone or to a bank account. Money transfers should be sent to a local (Receiver’s) currency account, otherwise the receiving institution (where the Receiver has his or her account) may convert the funds at its own exchange rate or may even reject the money transfer. The Receiver’s agreement with his or her mobile phone service provider, mWallet account provider or other account provider governs the account and determines their rights, obligations, applicable fees, funds availability and account limitations. Western Union may charge additional fees associated with the use of an account for sending or receiving a money transfer. Western Union does not assume any liability pertaining to costs which the Sender or any account holder incur in conjunction with the exchange rate used for the conversion into non-local currencies or for actions or omissions on behalf of the destination or interim financial services provider.
2.10. Foreign exchange
a. Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternative currency). All currency is converted at Western Union’s then current rate of exchange. Western Union calculates its rate of exchange based on commercially available interbank rates plus a margin. Most exchange rates are adjusted several times daily in line with the relevant closing rates of global financial markets. The exchange rate for a money transfer is indicated to You at www.westernunion.com/gb after selecting the destination country in the “Send Money Online” field, entering the amount that You intend to transfer and clicking on “Calculate”.
b. The currency will be converted at the time of the transfer and the Receiver will receive the foreign currency amount shown during the transfer process. However, in some countries local regulations require money transfers to be converted only when they are paid out. If the Sender is sending the funds to one of these countries, the exchange rate noted above is only an estimate, and the actual exchange rate will be determined at the time of payment. Western Union agents may offer Receivers the choice to receive funds in a currency different from the one the Sender selected. In such instances, Western Union (or its agents, the mobile phone provider, or account provider) may collect additional money when they convert the Sender’s funds into the currency selected by the Receiver. If the Sender chooses a payment currency different from the national currency of the destination country, the payment currency chosen may not be available at all payment locations in that country, or may not be available in small enough denominations to pay all of the money transfer. In such cases, the paying agent may pay all or part of the Sender’s money transfer in national currency. Western Union’s exchange rate may be less favourable than some publicly reported commercial exchange rates used in transactions between banks or 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, mobile phone provider, or account provider) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling the toll-free telephone number listed above or from Our Website.
2.11. SMS – Western Union may offer free SMS notification in some countries to indicate (to the Sender) that the transferred funds have been collected by the Receiver or (to the Receiver) that funds are available for collection. Charges applied by the telephone service provider are the exclusive responsibility of the Sender or Receiver. Western Union is not responsible for any charges associated with SMS messages. If permitted by applicable law, the SMS will be sent to the Sender’s and/or the Receiver’s mobile number provided at the time of the Transaction. Western Union will send SMS messages to a gateway for forwarding, however forwarding is the responsibility of third parties, and cannot be guaranteed. Western Union is not responsible for technical malfunctions that occur outside of its proprietary systems.
3. OUR RESPONSIBILITY TO YOU
3.1. We declare Our willingness to provide to You the Western Union® Online Service and the respective information in accordance with these Terms and Conditions in the form of individual payments and to exercise reasonable care.
3.2. We are not obliged to accept any instruction to execute any Transaction and we will not be liable in any way for declining any such instruction or for withdrawing, terminating or restricting our services to You in any way. These Terms and Conditions shall, however apply to any instruction which we choose to accept.
3.3. Unless required by applicable law, we do not assume any liability for:
a. goods or services which You pay for using the Western Union® Online Service , and in particular their delivery;
b. malfunctions in communication facilities over which We have no control;
c. the loss of data or the delay in transmissions caused by using an Internet service provider or a browser or other software over which We have no control;
d. the services provided by Your Card Issuer;
e. computer viruses, spyware or malware originating from third parties;
f. errors on the Western Union Website or with the Western Union® Online Service that are the result of incomplete or incorrect information that You or a third party provided;
g. the unauthorised use or interception of information prior to reaching the Website; or
h. the unauthorised use of or unauthorised access to data in conjunction with Yourself or Your Transactions which We process unless such use or such access is the result of negligence on Our behalf.
3.4. Notwithstanding any prior agreement to initiate a money transfer, We are under no obligation towards You to initiate or execute a money transfer if:
a. We are unable to obtain sufficient evidence of Your identity;
b. We have reason to believe that the Transaction information is incorrect, unauthorised or forged;
c. You have provided Us with incorrect or incomplete information or We do not receive Your Transaction information in a timely manner in order to guarantee the timely execution of the requested money transfer; or
d. Your Card Issuer does not authorise the use of Your Bank Card to pay for the Transaction and Our fees.
We do not assume any liability for damages caused from the non-payment or late payment of a money transfer to a Receiver subject to Our liability pursuant to Item 8 or if the Western Union® Online Service fails to execute a Transaction by reason of any of these matters.
3.5. We have the right to refuse to provide the Western Union® Online Service to You either partially or in full if such use constitutes a violation against Western Union regulations (including regulations aimed at preventing fraud, money laundering or financing terrorism) and/or against applicable law, a court order or requirements of a regulatory or government authority or any other body having jurisdiction over us, or if We consider such a step necessary to protect Our own interests. If We refuse to provide the Western Union® Online Service (partially or in full) to You for any of the above reasons, We will notify You accordingly if possible and give reasons for Our refusal unless We are prevented from doing so for legal reasons.
3.6. We are entitled to either partially or fully cease operating the Western Union Website or the Western Union® Online Service if circumstances that are beyond Our control compel Us to take such action and We consider it appropriate (“Events Outside Our Control”). If the services provided on the Western Union Website or by the Western Union® Online Service should be interrupted for whatever reason (whether by Us, a third-party provider or in any other manner), We shall take adequate measures to keep the duration of this interruption as short as possible.
3.7. Our communication with You is normally conducted via the Internet and by e-mail. However, this has no effect on Your right to contact Us in any other form (see Item 1.2 above) if circumstances require this.
4. YOUR RESPONSIBILITY TOWARDS US
4.1. You declare that You will pay to Us Our fees (see also Item 2.8 above) for any money transfer which You initiate via the Western Union® Online Service.
4.2. You must settle the basic amount of a money transfer plus Our fees with a Bank Card or from Your bank account (insofar as Western Union permits an account-based money transfer). You consent to the basic amount of the money transfer plus Our fees for the respective Transaction being cleared by Your Card Issuer, or that this amount is transferred from Your bank account, to Us, prior to Us executing the transfer or any other Transaction. Prior to the final authorisation of the Transaction You will be notified of the precise amount which We will clear with Your Card Issuer or which We will debit from Your bank account.
4.3. You consent to and acknowledge the following:
a. The information provided in order to effect an online money transfer is true, accurate, current and complete;
b. You must share the Transaction data (amount of money, Your name, Your country, name of Receiver and MTCN) with the Receiver only. You are obligated to ensure that no third party can gain unauthorised access to this information. We recommend that You transfer money only to beneficiaries that You know personally;
c. You shall not use the Western Union® Online Service for any illegal or unlawful purpose, including but not limited to, making or receiving payments for gambling services, gambling chips or gambling credits; sending a payment to yourself as the Receiver in order to evidence financial soundness; creating more than one profile; or sending or receiving money on behalf of someone else.
e. You are personally responsible for keeping Your password and Your username safe, pursuant to Item 6 below.
4.4. You consent to and acknowledge that we must make reasonable efforts to verify your identity. If you use our mobile services or platforms, we may ask your mobile provider to help us verify your identity. YOU AUTHORISE US TO REQUEST YOUR MOBILE CARRIER TO USE YOUR MOBILE SUBSCRIBER DETAILS FOR VERIFYING YOUR IDENTITY. Information provided to the mobile carrier may include name, address, email, phone number, and location information if available.
4.5. In the event of loss, theft, copy, misuse, or unauthorised use of the Transaction data (see above Item 4.3.b), where You believe We may have performed a Transaction You did not authorise Us to perform, or where You believe We may have failed to perform or incorrectly performed a Transaction, You must call 0 808 234 9168 or +32-(0)2 639 7103 and notify Us immediately upon becoming aware of such events. We will then investigate the matter.
4.6. You consent to and acknowledge that We may forward any particulars about You and about the services that We provide to You if necessary to regulatory or government authorities or their bodies if:
a. we are obligated by law to do so; or
b. we are of the opinion that such a disclosure may assist in the prevention of fraud, money laundering or other crimes.
5. CUSTOMER SERVICE
If You detect errors or encounter problems on the Western Union Website or with the Western Union® Online Service, please contact Us by e-mail or by telephone (for contact information see Item 1.2) or write to us at:
Western Union Internet United Kingdom
PO Box 8252
LONDON W6 0BX
6. PASSWORD AND SECURITY
Prior to first using the Western Union Website to send a money transfer You will be asked to provide a password and a valid e-mail address as Your username. The password and the username must not be used by any other person than Yourself. It is Your responsibility to keep Your password and Your username safe as well as all Transactions carried out using Your password or Your username. NEVER SHARE YOUR PASSWORD WITH ANYBODY AND DO NOT WRITE IT DOWN ANYWHERE! You agree to notify Us immediately of any unauthorised use of Your password or of Your username or of any other breach of security, by telephone at 0808 234 9168 or +32 (0) 2 639 7103. Once You have informed Us of the unauthorised use of Your password or Your username We will immediately make efforts to prevent any further use of this information. We will inform You of the efforts we take promptly after having taken them and give the reasons for our actions unless We are prevented from doing so for legal reasons. Making these efforts does not make Us liable for any loss or damage that are the result of Your failure to comply with Your duty in accordance with this paragraph. However, You might be entitled to the reimbursement or credit of a certain amount from Your Card Issuer or your bank if Your Bank Card or Your bank account were used in a fraudulent manner.
7. DISCLOSING INFORMATION TO THIRD PARTIES
7.1. Western Union will use and process your personal information as described in Our Privacy Statement and you explicitly consent thereto. Click here for Our Privacy Statement. We are entitled to amend Our Privacy Statement at any time.
A. Unauthorised Transactions
8.1. We may be liable to You where We perform a Transaction for You that You did not authorise Us to perform. Save to the extent You are liable under Item 8.2 or 8.4 for a Transaction not authorised by You, We will refund the Transaction amount to You promptly, but at the latest by the end of the Business Day following the day on which We were notified the Transaction concerned has not been authorised or otherwise became aware of the unauthorised Transaction. We shall also have no claim against You for reimbursement of Our expenses. If We suspect that there has been fraudulent activity by You, Our obligation to refund You will be suspended, pending further investigation, and such investigation will be undertaken promptly.
8.2. You may be liable up to the maximum amount of GBP 50 for losses that:
a. result from unauthorised Transactions resulting from the use of lost, stolen or otherwise missing Transaction data (see above Item 4.3.b); or
b. result from Your misuse of Transaction data.
8.3. We will not hold You liable under Item 8.2 if it was not possible for You to detect such loss, theft or misuse of the Transaction data or if the loss of the Transaction data was caused by an employee or vicarious agent acting on Our behalf, or by an external service provider We have appointed.
8.4. Your liability for losses arising from an unauthorised Transaction shall not be limited to a maximum amount of GBP 50 as set out in Item 8.2 if You acted with fraudulent intent or contributed to the misuse of Transaction data intentionally or through grossly negligent conduct. In these cases, You are liable for all losses caused by any unauthorised Transaction. Gross negligence in particular includes but is not limited to cases in which You do not promptly notify Us about a loss of Transaction data or if You do not keep Transaction data safe or if You disclose it to third parties.
8.5. Unless you acted with fraudulent intent, You are not liable to us:
a. for losses resulting from an unauthorised use of Transaction data that arise after receipt by Us of a notification under Item 4.5; or
b. if We did not ensure that Our contact facilities were available to You for the purposes of making a notification under Item 4.5.
B. Incorrectly executed or non-executed Transactions
8.6. We may be liable to You where We fail to perform or incorrectly perform a Transaction that You authorise Us to perform unless it was due to Your fault. This means that in the event of a non-executed or incorrectly executed Transaction we will refund the Transaction amount to You (to the extent the Transaction was not executed or it was incorrectly executed). You are entitled to claim a refund of all fees and interest to the extent they have been charged or incurred in connection with an unexecuted or incorrectly executed Transaction.
8.7. To the extent fees have been charged to an unexecuted or incorrectly executed Transaction by Us or an intermediary agency and the fees have been deducted from the amount to be received from the Receiver under such Transaction, We will immediately transfer to the Receiver such amounts charged in respect of such fees.
Any liability We would otherwise owe to You under Item 8.6 is excluded if we are able to show the Transaction amount was received at the appropriate time by the payment service provider of the Receiver. In addition, for the purposes of Item 8.6, a Transaction shall be deemed to be correctly executed if we are able to show the Transaction has been executed in accordance with Transaction information You provided to Us. If you have provided us with incorrect details for executing the Transaction, You may ask Us to assist You in recovering the money. We cannot guarantee such efforts will be successful. We reserve the right to charge You a fee to cover Our reasonable costs for doing this.
C. Our liability
8.8. We will have no liability to You under Item 8.1 or 8.6 if You do not let us know about an unauthorised or incorrectly executed Transaction within 13 months after the date of execution of the Transaction.
8.9. We will have no liability to You under Item 8 if We fail to perform or incorrectly perform the Transaction where the reason for this was due to Events Outside Our Control or Our statutory obligations.
8.10. We will have no liability to You if the unauthorised or incorrectly executed transaction is carried out by a third party or between third parties You have instructed before We receive Your payment for the transfer or any other Transaction. You should contact the relevant third party promptly and inform them of the circumstances of the unauthorised or incorrectly executed transaction.
8.11. We will have no liability to You for damage that is due to any unusual and unforeseeable events over which Western Union has no control and whose consequences, in spite of exercising due care, Western Union could not have avoided (caused, for example by Events Outside Our Control, failure of telecommunication lines, civil unrest, war or other events such as industrial action or lockouts over which We have no control). This applies equally to cases in which Western Union is bound by any legislative, judicial or administrative order to take or refrain from taking any action.
8.12. We do not exclude or limit in any way Our liability to You where it would be unlawful to do so. This includes liability for death or personal injury caused by Our negligence; for fraud or fraudulent misrepresentation; or for breach of Your legal rights where it would be unlawful to exclude or limit such legal rights in relation to the Western Union® Online Service .
9. INTELLECTUAL PROPERTY
The Western Union Website and the Western Union® Online Service , their content and all intellectual property pertaining thereto and contained therein (including copyrights, patents, database rights, trademarks and service marks) are the property of Western Union, of Western Union affiliates or of third parties. All rights to the Western Union Website and the Western Union® Online Service remain Our property and/or the property of the third party. The Western Union Website and the Western Union® Online Service must be used only for the purposes permitted by these Terms and Conditions or as described on the Website. You are exclusively entitled to display and save a copy of the pages of the Western Union Website for Your personal use. Without Our express written approval You are not entitled to duplicate, publish or modify the Western Union Website, the Western Union® Online Service or parts thereof, or to create derivative works from the same, to participate in their assignment or sale, to publish them in the World Wide Web or use them in any other form for any public or commercial purpose. You are not entitled: (a) to use a robot, spider, scraper or any other automated programme to access the Western Union Website or the Western Union® Online Service, and/or (b) remove or modify information related to copyrights and trademarks or proprietary information published on the Western Union Website (or printed pages of the Website). The name Western Union and all other names as well as proprietary designations of Western Union products and/or services named on the Western Union Website are exclusive brands of Western Union or of other third parties. Other product, service or company designations appearing on the Website may be the trademarks of their respective owners.
10. LINKS TO OTHER WEBSITES
The Western Union Website may contain links and pointers to other World Wide Web Internet sites and resources (the "Linked Sites"). Links to any Linked Site do not constitute an endorsement by Us or Our association with any third party resources or their contents. Links do not imply that Western Union is affiliated or associated with third parties or is legally authorised to use any trademark, trade name, logo or copyright symbol displayed in or accessible through a link, or that any Linked Sites are authorised to use any trademark, trade name, logo or copyright symbol of Western Union. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. Western Union does not represent, warrant or endorse the accuracy or reliability of, and expressly disclaims (to the fullest extent permitted by applicable law), any advice, opinion, statement, or other information displayed or distributed through any Linked Site. You hereby acknowledge that reliance upon any opinion, advice, or information displayed on or otherwise available through any Linked Site shall be at Your sole risk.
11. RIGHT TO RESCIND OR CANCEL A MONEY TRANSFER
11.1. You have the right to rescind a money transfer within 14 days from initiating the Transaction. The rescission must be declared to Us expressly by notice in writing sent by e-mail or by post, to the address in Item 5 above. However, this right of rescission does not apply if We have already paid out the funds to the Receiver before We received Your notice of rescission. When exercising Your right of rescission prior to Our having paid out the funds to the Receiver, We will refund the amount of the transfer to You and do not charge any fees.
11.2. Any Refund to You will consist of the amount of the money transfer at the Western Union exchange rate valid at the moment of the refund, however at least at the nominal value of the transfer amount insofar as the funds have not been paid out to the Receiver within 45 days. In this case the transfer fees will not be refunded. If We do not make the funds available for collection by the Receiver within three Business Days from when You initiate a money transfer with Us and provide all the relevant information necessary for Us to give effect to the transfer, We will refund in the event of Your justified notice of rescission the amount of the money transfer plus all transfer fees paid (subject to statutory or regulatory restrictions).
12. ENTIRE AGREEMENT
These Terms and Conditions constitute the entire agreement between You and Us and supersede any prior agreements which may exist between You and Us.
13. SEVERABILITY CLAUSE
If one or several of the provisions to these Terms and Conditions are invalid, unlawful or unenforceable, then this does not affect the validity of the remaining provisions.
14. COMPLAINTS, APPLICABLE LAW, JURISDICTION
14.1. Should You not be satisfied with Our services under these Terms and Conditions You may make a complaint in writing to Us at the contact details published on https://www.westernunion.com/gb. We will try Our best to deal with Your complaint at the first opportunity and We will send You a final response letter within 15 Business Days of receipt of Your complaint. In exceptional circumstances, We will send You a holding reply within 15 business days specifying the deadline by which You will receive Our final response, being no later than 35 business days from the date of Your initial complaint. If You do not receive Our final response or You are unhappy with Our final response, you have the right to refer your complaint to the Financial Ombudsman Service. Visit www.financial-ombudsman.org.uk for more information.
This does not affect any other rights you may have.
14.2. These Terms and Conditions and all non-contractual rights relating to the Western Union® Online Service are governed by the laws of England and Wales, without regard to the law of conflicts, and are subject to the exclusive jurisdiction and venue of the courts of England and Wales with respect to any disputes arising out of these Terms and Conditions.