Updated 1 September 2023
The Western Union Company, our subsidiaries, and affiliates (“Western Union” or “we” or “us”) care about your privacy and are committed to processing your personal information in accordance with fair information practices and applicable data protection laws to better serve you. For a list of local Western Union entities, please see the “WESTERN UNION LEGAL ENTITIES” section of this Global Privacy Statement.
At Western Union, we are committed to helping our customers move their money to make good things happen. This commitment to our customers includes doing the right thing with their personal information.
The purpose of our Global Privacy Statement is to explain how we collect, use, store, protect, disclose, and share your personal information when you use any of our services online through our website, in retail, and through our mobile apps, as well as to inform you of your choices about the way your information is collected and used.
When you use our money transfer or other financial services; open and maintain a bank or digital wallet account with us; contact us; access our websites or applications; or join our loyalty programs (collectively, the “Services”), we collect personal information about you and may use it along with other information collected or generated during our relationship with you. We collect different types of personal information relating to you, which may include:
Western Union collects your personal information in several ways, including:
We are committed to the security of your personal information. We use organizational, technical, and administrative safeguards that comply with applicable government laws and regulations to secure your personal information. We also endeavor to restrict access to the personal information that we process to only our employees, agents, and representatives that have a business need to know it. Despite our efforts, third parties may unlawfully intercept or access your personal information.
We use internet technologies like cookies, tags, and web beacons on our websites, in mobile applications, or when you visit a third-party website. We use these technologies for a variety of purposes, including, but not limited to, those identified in the section titled “HOW WESTERN UNION USES THE PERSONAL INFORMATION IT COLLECTS”.
We may use third parties to deliver personalized ads to you while you browse the Internet. You can generally opt out of receiving personalized ads from these third-party advertisers and ad networks who are members of the Network Advertising Initiative (NAI) or who follow the Digital Advertising Alliance’s (DAA’s) Self-Regulatory Principles for Online Behavioral Advertising by visiting the opt out pages on the NAI and DAA websites.
Do Not Track (DNT) is an optional browser setting that allows you to express your preferences regarding tracking by advertisers and other third-parties. We do not respond to DNT signals, unless required by applicable law.
We use the personal information we collect for the following commercial purposes:
We may use your personal information as explained elsewhere in this Statement for each of the following lawful bases:
Subject to your preferences, we will notify you of offers, promotions, and updates regarding our products and Services or other products and services that may be of interest to you. These may include offers by email, telephone, postal mail, SMS, social media, and other communication or digital channels.
You can opt out of receiving marketing communications at any time. If you no longer want to receive marketing-related communications from us, you may opt out by following the instructions in the relevant electronic communication, by adjusting your settings in your digital bank or wallet account or app, or by contacting us as described in the “CONTACTING US” section.
Please note that if you opt out of receiving marketing-related communications from us, we may still send important service, administrative, or transaction-related communications to you.
We do not direct our Services or products at children under the age of 18. We do not knowingly collect or maintain information from our retail, website, or mobile apps from persons under the age of 18.
Our websites may be linked to or from third party websites. We have not reviewed, do not control, and are not responsible for the content or privacy practices employed by websites that are linked to or from our websites. We do not assume responsibility for any of these sites, their content, or their privacy policies. We do not endorse third party websites or make any warranties about any information, software, or other products or materials you may find there, or any results that may be obtained from using them.
For any of the purposes listed in this Statement, we may disclose applicable personal information including, but not limited to, your name, contact information, national identification number and/or related documentation, customer ID number, address, transaction details and patterns, and bank account information to the following types of organizations or parties:
Third parties that you have authorized to access your account and/or your account information in order to perform Services for you, such as account information service providers and payment initiation service providers. If you are a customer of a Service that allows for a public profile, you may choose to make your profile publicly visible. This may include sharing limited personal details such as name, photo of you, available currencies of your account, and the fact that you are a customer. Also, if you are a bank or wallet account customer, other bank or wallet account customers may also be able to search for you with your phone number as well as utilize a QR code you may provide in order to transact with you.
We may transmit your personal information in connection with a sale or transfer of all or part of our business. We may also disclose your personal information globally, as required or permitted by applicable laws and regulations, to regulatory and financial authorities, credit reporting agencies, law enforcement bodies, courts, governments, or government agencies to meet compliance and legal obligations or to assert or defend the rights and interests of Western Union or others.
We transfer your personal information to parties in countries outside the country in which it was collected, including but not limited to the USA, as permitted or required by applicable law, regulatory authorities, law enforcement, and government agencies. Additionally, when you send or receive money to or from another country, we will also be required to share some of your personal information with that country as required or permitted by law. We transfer certain personal information about you to our data centers located in the USA or within a region as required by local law and process it to fulfil our legal and compliance obligations which apply to our Services. We also store certain personal information we collect based on your marketing choices in our US data center. By using the Services, you acknowledge that such transfers of information outside of your country of residence may occur.
Personal information transferred outside the EEA, the UK, and Switzerland to countries that the European Commission or UK Information Commissioner’s Office (ICO) have not found to provide adequate protection will be protected by appropriate Standard Contractual Clauses or other EU or UK –approved mechanisms, as required by law.
Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected, or to resolve any query you may raise. We subscribe to data minimization principles and strive to retain information for no longer than necessary for the purpose(s) for which it was obtained.
You have the right to know if we are processing your personal information and to ask us for a copy of your information free of charge. You have the right to request a structured and machine-readable copy of certain information you have provided to us. We may charge you a reasonable fee for providing the information, or not act upon your request, if the request is manifestly unfounded or excessive. If you use our Services online or via mobile app, you may log into your account at any time to access your statements, transactional information, and certain personal information.
You have the right to stop us from sending you marketing communications. You have the right to ask us to correct information about you that is incomplete, inaccurate or out-of-date. You have the right to ask us to delete certain information about you, to restrict certain uses of information relating to you, and to object to certain uses of it. To the extent we are processing personal information based on your consent, you may withdraw your consent as permitted by applicable law. If you are a registered user of westernunion.com as a digital money transfer consumer, you may also visit westernunion.com and edit your profile settings to change your marketing communications and third-party data sharing preferences. You also have the right to lodge a complaint with a relevant data protection regulator or supervisory authority about our processing of personal information. When we receive a request, we may ask for additional information from you to verify your identity and as a security measure to protect your personal information. In some situations, we may refuse to act or may impose limitations on your rights, as permitted by applicable law. To exercise these rights, please visit http://www.westernunion.com/datasubjectrights or contact Western Union through the section titled “CONTACTING US”. We will endeavor to respond to your request within 30 days, but response time may vary depending on the laws and regulations applicable to your request, and we may be entitled to extend this period in certain circumstances. We will comply with your request to the extent required by applicable law.
Additional rights may also be available in various jurisdictions under local laws. These will be accessible via the means provided above.
If you have a question or complaint about how we handle your personal information, we ask that you put your inquiry in writing. We will investigate your inquiry and generally respond to you in writing within 30 days of receipt. You can also contact us, including our Data Protection Officer, at firstname.lastname@example.org.
To contact us via a toll-free or local phone number, please click the “Contact Us” link in the footer of the applicable Western Union webpage to find contact information specific to your region.
We may modify this Global Privacy Statement from time to time, and updated privacy statements will be posted on this Website when amendments occur. We encourage you to review this Global Privacy Statement when you visit to obtain the most current statement.
For consumers in the USA (including those in California, Nevada, North Dakota, Texas and Vermont) please follow this link to Western Union’s Privacy Notice.
For California residents, please see the California Resident Addendum to this Global Privacy Statement.
For consumers in Brazil, please see the Brazilian Resident Addendum to this Global Privacy Statement.
For consumers resident in Japan, notwithstanding any other provisions contained in this Global Privacy Statement, we will treat your Japanese Personal Identification Number (“My Number”) and its supporting documents in compliance with any applicable laws and regulations as described in this section.
We collect your My Number and supporting documents designated by us solely for the purpose of confirming your My Number as required by and in compliance with the Act on Submission of Statement of Overseas Wire Transfers for Purpose of Securing Proper Domestic Taxation of Japan (Act No. 110 of 1997, as amended).
For a list of local Western Union legal entities, please see here: “WESTERN UNION LEGAL ENTITIES.”