USLOVI I ODREDBE WESTERN UNION® USLUGE TRANSFERA NOVCA

Sklapate ugovor u skladu sa ovim Uslovima i odredbama za transfer novca (u daljem tekstu „Uslovi”) sa licenciranom Western Union filijalom (pojedinačno „Western Union subjekat”, a zajednički „Western Union subjekti”) ili licenciranim partnerom, predstavnikom ili agentom (u daljem tekstu: „Partner”) („Mi“, „Naš(e)” ili „Nas” odnosi se na odgovarajući Western Union subjekat i/ili Partnera koji pruža Usluge u okviru svoje licence, u saradnji sa Western Union subjektom za naše usluge u zemlji iz koje šaljete Transakciju („Zemlja slanja”). Poslujete sa Western Union subjektom/subjektima ili Partnerom kod kojeg/kojih ste se prijavili za Naše Usluge. Detalji se mogu naći u Dodatku A – Odredbe specifične za zemlju na Vašoj priznanici. Bilo koji drugačiji ili dodatni uslovi koji se mogu primjenjivati na Vas, zavisno od Zemlje slanja, ako ih ima, mogu se pronaći u Dodatku A – Odredbe specifične za zemlju. Takođe pružamo dodatne finansijske usluge koje nijesu obuhvaćene ovim Uslovima (npr. usluge digitalnog novčanika). Za korišćenje ovih dodatnih finansijskih usluga, može biti potrebno da prihvatite i dodatne uslove i odredbe koje se odnose na konkretnu uslugu.

DIO A: UVOD

Ovi Uslovi se primjenjuju na Naše Usluge, kako je definisano u nastavku. Korišćenjem Naših Usluga, potvrđujete da prihvatate ove Uslove i da ste saglasni da ih poštujete. Ukoliko ne prihvatate ove Uslove, ne možete koristiti Naše Usluge. Preporučujemo da odštampate ili sačuvate kopiju ovih Uslova za buduću upotrebu.

Možemo, u bilo kojem trenutku i bez ikakve odgovornosti, izmijeniti ili obustaviti sve ili dio Usluga (uključujući pristup putem linkova trećih strana); naplatiti, izmijeniti ili ukinuti određene naknade vezane za Usluge; ili ponuditi Usluge, odnosno određene Usluge, samo nekim ili svim korisnicima.

I. DEFINISANI POJMOVI

Sljedeći pojmovi imaju značenje kako je definisano u nastavku. Svi dodatni definisani pojmovi biće navedeni u zagradama u odgovarajućem dijelu. Riječi koje su podvučene u ovim Uslovima sadrže hiperlinkove ka dodatnim informacijama.

„Bankovna kartica” se odnosi na debitnu karticu ili pripejd karticu, a gdje je primjenjivo, i na kreditnu karticu (npr. Visa ili Mastercard).

„Bill Pay” se odnosi na uslugu dostupnu u nekim zemljama, koja korisnicima omogućava da zakazuju, upravljaju i vrše plaćanja različitim izdavaocima računa.

„Izdavalac kartice” se odnosi na izdavaoca i vlasnika Bankovne kartice.

“Lokacija” se odnosi na mjesta gdje možete slati i primati novac ili, u nekim zemljama, izvršiti plaćanje računa lično kod Nas. To uključuje različite vrste objekata, poput banaka, supermarketa, finansijskih institucija, poštanskih službi, kioska i drugih prodavnica.

„Mobilna aplikacija” se odnosi na mobilnu aplikaciju koju nudimo korisnicima za korišćenje Usluga.

„Primalac” se odnosi na primaoca kojeg je odredio Pošiljalac za prijem sredstava i uključuje Izdavaoce računa u okviru usluge Bill Pay.

„Pošiljalac” se odnosi na lice koje je iniciralo transfer novca ili plaćanje računa putem Naših Usluga.

„Usluge” znače one finansijske usluge koje su navedene u Dijelu B (I.) ovih Uslova.

„Transfer novca putem telefona” se odnosi na uslugu u okviru koje korisnik inicira transfer novca pozivom na određeni broj telefona, obično razgovarajući sa predstavnikom korisničke službe ili koristeći automatizovani sistem.

„Transakcija” se odnosi na transfer novca koji Pošiljalac inicira putem Naših Usluga nakon prijema važeće uplate Pošiljaoca.

„Datum iniciranja transakcije” se odnosi na datum kada Vi inicirate transfer novca ili plaćanje računa putem Naših Usluga i kada je Vaš zahtjev odobren i poslat na obradu.

„Vebsajt” se odnosi na internet stranicu kojom upravljamo radi pružanja Naših Usluga.

„Vi” ili „Vaš” se odnosi na svako lice koje koristi Naše Usluge kao Pošiljalac.

DIO B: OPŠTI USLOVI PRUŽANJA USLUGA

I. NAŠE USLUGE

1. Opšte odredbe. Naše Usluge obuhvataju međunarodne i domaće transfere novca, kao i usluge Bill Pay (gdje je to zakonski dozvoljeno i dostupno). Svaka Transakcija dobija jedinstveni broj transakcije, MTCN.

2. Korisnici koji ispunjavaju uslove. Da biste koristili Usluge, morate: (i) ispunjavati uslov koji se odnosi na starosnu granicu; i (ii) imati pravnu sposobnost da zaključite obavezujuće ugovore sa Nama u Zemlji slanja u skladu sa važećim zakonima. Primalac mora ispunjavati uslove koji se u zemlji Primaoca odnose na starosnu granicu.

3. Transfer novca. Kada dostavite neophodne informacije i dokumentaciju i prihvatite ove Uslove radi vršenja transfera novca, dajete Nam nalog da realizujemo konkretnu Transakciju. Svaka Transakcija predstavlja poseban ugovor između Vas i Nas, isključivo za predmetni transfer novca. Nijesmo obavezni da izvršavamo bilo kakve buduće transfere novca po osnovu ovog ugovora.

4. Pristupanje uslugama. Usluge se pružaju putem Lokacija, Vebsajta, Mobilne aplikacije ili usluge Transfera novca putem telefona. Ako pristupate Uslugama putem mobilnog uređaja ili telefona, Vaš pružalac bežične usluge ili operater mobilne mreže može obračunati standardne tarife, cijene podataka i druge naknade.

ii. NAKNADE I PLAĆANJE

1. Naknada za transfer. Kao naknadu za korišćenje Naših Usluga, saglasni ste da Nam platite naknadu za svaki transfer novca koji inicirate po važećoj stopi u datom trenutku („Naknada za transfer”), uz dodatak svih primjenjivih poreza. Važeća Naknada za transfer za Vašu Transakciju biće Vam saopštena prije Vaše konačne autorizacije Transakcije, uz eventualne naknade za sve dodatne usluge i sve primjenjive poreze. U određenim slučajevima, isplata Primaocu transfera novca može biti podložna lokalnim porezima i naknadama za usluge.

2. Devizni kurs. OSIM NA OSNOVU NAKNADE ZA TRANSFER, ZARADU OSTVARUJEMO I KADA VAŠU VALUTU PRETVORIMO U STRANU VALUTU. Međunarodni transferi novca se obično isplaćuju u valuti ili valutama koje su dozvoljene u zemlji odredišta. Ako Transakcija zahtijeva da Vaša valuta bude konvertovana u drugu valutu, konverzija će biti izvršena po važećem trenutnom deviznom kursu koji Vam je prikazan ili saopšten prije Vaše konačne autorizacije transfera. Valuta će biti konvertovana u trenutku transfera, a Primalac će primiti prikazani iznos u stranoj valuti. Devizni kursevi za korisnike se određuju dodavanjem marže na međubankarske kurseve koji su Nam dostupni na međubankarskom tržištu novca. Devizni kursevi se mijenjaju nekoliko puta dnevno u zavisnosti od globalnih finansijskih tržišta. Zadržavamo svaku razliku između deviznog kursa koji Mi primimo i deviznog kursa koji Vi dobijete. Važeća Naknada za transfer i devizni kurs mogu varirati u zavisnosti od odabrane valute plaćanja. Za devizne kurseve za aktuelnu valutu, posjetite Naš Vebsajt ili stupite u kontakt sa nama koristeći kontakt podatke navedene ispod.

Zakoni nekih zemalja zahtijevaju da valuta bude konvertovana u trenutku isplate Primaocu. U tom slučaju, devizni kurs i svi iznosi koji su Vam prikazani ili saopšteni mogu biti podložni promjenama deviznog kursa između vremena kada izvršite transfer i vremena kada Primalac podigne sredstva.

Neke zemlje dozvoljavaju da se isplate Primaocima vrše u više valuta. U tom slučaju, morate odabrati valutu plaćanja u trenutku Vaše Transakcije. Neke zemlje omogućavaju Primaocu da primi isplatu u valuti različitoj od one koju ste Vi odabrali. U takvim slučajevima, to se može smatrati posebnom transakcijom, i Mi možemo ostvariti dodatnu zaradu kada se Vaša sredstva konvertuju u valutu koju je odabrao Primalac.

3. SMS obavještenja i troškovi. SMS (Short Message Service) obavještenja mogu biti dostupna da biste Vi i/ili Vaš Primalac bili informisani o važnim detaljima Vaše Transakcije. Troškovi koje nameće operater mobilne mreže isključiva su odgovornost Pošiljaoca ili Primaoca. Mi nijesmo odgovorni ni za kakve troškove povezane sa SMS porukama. Ako to dopušta važeći zakon, SMS poruka će biti poslata na mobilni broj Pošiljaoca i/ili Primaoca koji je naveden u trenutku Transakcije.

4. Korišćenje računa. Možda ćete moći da šaljete ili primate novac sa računa ili na račun, poput bankovnog računa, Bankovne kartice, digitalnog novčanika, izdavaoca računa ili druge vrste računa („Račun“). Račun obezbjeđuje banka ili drugi pružalac usluga („Pružalac računa“) koji Vam može naplatiti dodatne naknade. Morate se pridržavati ugovora sa Pružaocem računa kada koristite Račun. Nijesmo odgovorni ni za kakve naknade ili probleme koje prouzrokuje Pružalac računa. Ako šaljete ili primate novac u valuti drugačijoj od valute Vašeg Računa, Pružalac računa može promijeniti valutu po svom kursu ili odbiti transfer. Prihvatamo plaćanja i šaljemo novac isključivo na Račune koji se koriste u lične, a ne poslovne svrhe. Davanjem instrukcija za transakciju, potvrđujete da se povezani Računi koriste isključivo u lične svrhe. Možemo koristiti različite metode za obradu transfera sa Računa ili na Račun. Ako nam date pogrešan broj računa ili druge podatke za Račun, prenijećemo novac na broj računa koji ste nam dostavili. Nijesmo odgovorni ni za kakve greške koje napravi Pružalac računa ili Vi. Možemo Vam naplatiti dodatne naknade za korišćenje Računa; iste ćemo Vam saopštiti prije nego što izvršite transfer.

Iniciranjem Transakcije sa Računa, Vi: (i) potvrđujete da ste vlasnik Računa i da imate ovlašćenje da inicirate Transakciju; i (ii) ovlašćujete Nas da iniciramo elektronska zaduženja i/ili knjiženja na Vašem Računu ili da obradimo i ispravimo greške ako Transakcija ne može biti izvršena.

Nećemo biti odgovorni prema Vama : (1) ako nemate dovoljno novca na Vašem Računu; (2) ako je Vaš Račun zatvoren ili su povlačenja ograničena;
(3) ako Transakcija premašuje iznos ili ograničenja učestalosti koja smo postavili Mi ili Vaš Pružalac računa; (4) ako nastupe okolnosti van Naše kontrole (kao što su poplava, požar, prekidi u snabdijevanju električnom energijom, mehanički ili sistemski kvarovi); (5) ako Vaš Pružalac računa ne izvrši Transakciju, Transakcija nije obrađena ili je Transakcija vraćena od strane Vašeg Pružaoca računa;
(6) ako su Vaše instrukcije nepotpune, netačne, izgubljene ili su Nam kasno prenijete; (7) ako ne uspijemo obraditi Vašu Transakciju zbog opravdanog bezbjednosnog problema ili je opcija Usluge obustavljena ili prekinuta, ili Vas na drugi način obavijestimo da Vaša Transakcija neće biti obrađena; i (8) zbog drugih izuzetaka dozvoljenih zakonom.

5. Opcije plaćanja. Saglasni ste da ćete Nam platiti Naknadu za transfer i druge primjenjive naknade za svaku Transakciju koju inicirate putem Naših Usluga. Opcije plaćanja variraju u zavisnosti od Zemlje slanja. Možete platiti za Usluge korišćenjem Bankovne kartice ovlašćene u Zemlji slanja ili putem drugih primjenjivih metoda plaćanja. Takođe možete platiti gotovinom na Lokaciji ili koristeći druge dostupne opcije plaćanja. Ukupan iznos treba platiti prije nego što obradimo Transakciju. Ako plaćate Bankovnom karticom i Mi ne dobijemo ovlašćenje Izdavaoca Bankovne kartice (ili Vašeg Pružaoca računa, u slučaju klirinške firme sa automatskim saldiranjem transakcija (Automated Clearing House,„ACH”), ili ako sredstva nijesu odobrena putem identifikatora plaćanja), Transakcija neće biti obrađena i sredstva neće biti prenesena Primaocu. Svaki put kada koristite Vašu Bankovnu karticu ili ACH za plaćanje Usluga, saglasni ste da smo ovlašćeni da zadužimo Vašu odabranu Bankovnu karticu ili odgovarajući Račun za ukupni iznos (uključujući glavni iznos, Naknadu za transfer, naknade vezane za devizne kurseve i sve druge primjenjive naknade ili poreze).

III. ISPLATE TRANSAKCIJA

1. Metode isplate. Omogućavamo različite metode za Primaoca da primi sredstva, uključujući, ali ne ograničavajući se na, gotovinu na Lokaciji, direktno na debitnu karticu, bankovni račun ili u digitalni novčanik, gdje je dostupno. U nekim zemljama, Primalac može imati opciju da izabere metodu prijema sredstava koja se razlikuje od metode koju je odabrao Pošiljalac ili opciju da promijeni valutu isplate. Pošiljalac nas ovlašćuje da uvažimo izbor metode prijema sredstava ili valute isplate koju odabere Primalac, čak i ako se to razlikuje od instrukcija Pošiljaoca. Sve metode isplate zavise od dostupnosti u zemlji Primaoca i na Lokaciji.

2. Identifikacija Vašeg Primaoca. Da bi se utvrdilo da je određeno lice Vaš namijenjeni Primalac kada podiže gotovinu na Lokaciji, Primalac treba da bude spreman da navede svoje puno ime i prezime, identifikacioni dokument, Vaše ime, MTCN i približan iznos transfera. U nekim zemljama, možete odabrati da dodate kontrolno pitanje. Ako to učinite, obezbijedite svom Primaocu odgovor na to pitanje . Možemo takođe zahtijevati od Primaoca da pruži druge informacije. Transakcija će biti isplaćena osobi za koju smatramo da ima pravo da je primi na osnovu informacija i dokumenata koje Primalac dostavi. Nećemo provjeravati podatke o adresi Primaoca. Možemo isplatiti Primaoca čak i ako se ime koje ste naveli i ime na identifikacionom dokumentu Primaoca razlikuju u manjim detaljima (ali nemamo obavezu da izvršimo isplatu ako se ime razlikuje). Ako odlučimo da dostavljene informacije nijesu dovoljne, odbićemo isplatu i transfer će biti dostupan za povrat Vama. Za transakcije poslate na bankovni račun ili u digitalni novčanik, prenijećemo sredstva na račun koji ste Vi naveli. U slučaju nedosljednosti između vlasnika broja računa (uključujući brojeve mobilnih telefona ili druge informacije koje ste dostavili u cilju identifikacije računa Primaoca) i imena namijenjenog Primaoca, transfer će biti uknjižen na broj računa koji ste Vi naveli. Provjerite tačnost brojeva koje dostavljate, jer se oslanjamo na njih.

IV. OGRANIČENJA

1. Dostupnost. Dostupnost Usluga može varirati u zavisnosti od zemlje i sudske nadležnosti i podložna je promjenama. Na dostupnost Usluge može uticati više faktora, uključujući specifičnu izabranu Uslugu, eventualne opcije odgođene isporuke, posebne uslove koji se primjenjuju na svaku Uslugu, iznos koji se šalje, zemlju odredišta, dostupnost valute, regulatorna ili pitanja zaštite potrošača, zahtjeve za identifikaciju, ograničenja isporuke, radno vrijeme Lokacija i razlike u vremenskim zonama.

2. Zabranjeni subjekti ili Transakcije. U skladu sa zakonskim zahtjevima, zabranjeno nam je poslovati sa određenim licima ili u određenim zemljama i provjeravamo Transakcije u odnosu na listu označenih lica koja podliježu sankcijama nametnutim od strane različitih državnih organa, uključujući Sjedinjene Američke Države, Evropsku uniju i UK. Ako se stiče utisak da Vi ili Vaš Primalac odgovarate kriterijumima sa liste, tražićemo od Vas dodatne informacije kako bismo potvrdili da Vaš identitet ili identitet Vašeg Primaoca ne odgovaraju identitetu označenog lica. To može uključivati mjesto i datum rođenja i identifikacione dokumente. Utvrđivanje podudaranja može odložiti Transakciju. Možemo biti u obavezi da zamrznemo Vaša sredstva u skladu sa zakonom.

3. Dozvoljena upotreba. Ako izvršavate ili pokušate izvršiti bilo koju Transakciju u suprotnosti sa ovim Uslovima ili našim politikama (uključujući politike usmjerene ka sprečavanju prevara, pranja novca ili finansiranja terorizma), ili ako ste postupali sa prevarantskom namjerom ili doprinijeli zloupotrebi podataka o Transakciji namjerno ili kroz krajnje nemarno postupanje, možemo odbiti da Vam pružimo Naše Usluge djelimično ili u potpunosti; i imamo pravo da iskoristimo bilo koja prava zadržana ovim Uslovima; i/ili da prijavimo Transakciju relevantnoj agenciji za sprovođenje zakona; i/ili da od Vas zahtijevamo nadoknadu svih gubitaka i šteta za bilo koju neovlašćenu Transakciju. Konkretno, nemojte koristiti Naše Usluge za kršenje bilo kog zakona, uključujući, ali ne ograničavajući se na: (i) finansiranje terorizma; (ii) pranje novca; (iii) plaćanje telemarketing operatera (samo SAD); (iii) kupovinu duvanskih proizvoda; ili (iv) podsticanje bilo kog krivičnog djela uključujući prevaru, krađu ili ilegalno kockanje. Nijesmo pružalac usluga eskroa. Nemojte koristite Usluge za deponovanje sredstava. Ako odbijemo da Vam pružimo Naše Usluge (djelimično ili u potpunosti) iz bilo kojeg od gore navedenih razloga, obavijestićemo Vas, ako je moguće, i navesti razloge za našu odluku o odbijanju, osim ako nam zakon ili bezbjednosni razlozi to ne dozvoljavaju. Korišćenjem Naših Usluga potvrđujete da je Vaše korišćenje i korišćenje Vašeg Primaoca zakonito, dozvoljeno i da nije u suprotnosti sa ovim Uslovima.

V. PRIVATNOST

Zaštita Vaše privatnosti nam je veoma važna. Pregledajte Globalnu izjavu o privatnosti Western Union-a kako biste bolje razumjeli Našu posvećenost čuvanju Vaše privatnosti, kao i Našu upotrebu i otkrivanje Vaših podataka.

VI. OGRANIČENJE ODGOVORNOSTI

NEĆEMO BITI ODGOVORNI ZA ŠTETU ZBOG KAŠNJENJA, IZOSTANKA ISPLATE ILI NEPOTPUNE ISPLATE OVOG TRANSFERA NOVCA, ILI NEISPORUKE BILO KOJE DODATNE PORUKE, BILO DA JE UZROKOVANO NEPAŽNJOM NAŠIH ZAPOSLENIH ILI PARTNERA ILI NA DRUGI NAČIN, PREKO IZNOSA KOJI ODGOVARA 500 USD (UZ POVRAT GLAVNICE TRANSFERA NOVCA I NAKNADE ZA TRANSFER), OSIM AKO TO NIJE ZABRANJENO LOKALNIM ZAKONOM. NEĆEMO BITI ODGOVORNI ZA BILO KAKVU INDIREKTNU, POSEBNU, SLUČAJNU ILI POSLJEDIČNU ŠTETU. BEZ OBZIRA NA GORE NAVEDENO, NE ISKLJUČUJEMO ODGOVORNOST ZA BILO KAKAV USLOV ILI GARANCIJU KOJA SE NE MOŽE ISKLJUČITI ZAKONOM UKLJUČUJUĆI BILO KOJU PODRAZUMIJEVANU GARANCIJU DA ĆEMO USLUGE PRUŽATI S DUŽNOM PAŽNJOM I VJEŠTINOM. NAŠA ODGOVORNOST ZA KRŠENJE TAKVOG USLOVA ILI GARANCIJE BIĆE OGRANIČENA NA VEĆI IZNOS IZMEĐU TROŠKOVA PONOVNOG PRUŽANJA DOGOVORENE USLUGE I IZNOSA KOJI ODGOVARA 500 USD, OSIM AKO TO NIJE ZABRANJENO LOKALNIM ZAKONOM.

Možda imate dodatna prava prema Vašim lokalnim zakonima, UKLJUČUJUĆI TROŠKOVE ADVOKATA I TROŠKOVE VOĐENJA SPORA, i možda ćete imati želju da se upoznate sa tim pravima.

NE GARANTUJEMO ISPORUKU NI POGODNOST BILO KOJIH DOBARA ILI USLUGA PLAĆENIH PUTEM NAŠIH USLUGA TRANSFERA NOVCA.

VII. ŽALBE, VAŽEĆI ZAKON, SPOROVI

1. Izbor zakona i rješavanje sporova. Ovi Uslovi i svaka Transakcija podliježu zakonima Zemlje slanja. Bilo koji spor u vezi sa ovim Uslovima ili bilo kojom Transakcijom može pokrenuti Pošiljalac pred sudovima ili drugim priznatim institucijama za rješavanje sporova u toj zemlji, uključujući upućivanje pitanja nezavisnoj organizaciji ili ombudsmanu radi rješavanja. U slučaju bilo kakvog sukoba između ovih Uslova i važećeg zakona, primjenjivi zakon ima prednost.

2. Žalbe. Ukoliko imate žalbe u vezi sa Našim Uslugama uključujući povrat, kontaktirajte sa nama putem Naše stranice za korisničku podršku, gdje možete naći sve detalje i kontakt podatke za Vašu zemlju. Možemo Vam se obratiti ukoliko budu potrebne dodatne informacije. Temeljno ćemo istražiti pitanje i pružiti detaljan odgovor.

VIII. ODŠTETA

Saglasni ste da Nas, Naše dobavljače, prodavce, pružaoce usluga, kao i njihove odgovarajuće filijale, pridružene kompanije, rukovodioce, direktore, agente, partnere, zaposlene i konsultante, oslobodite bilo kojeg zahtjeva ili potraživanja, uključujući razumne troškove advokata, koje pokrene treće lice zbog ili u vezi sa Vašom zloupotrebom Usluga, kršenjem ovih Uslova ili bilo kojeg zakona, ili kršenjem prava trećeg lica.

IX. OTKAZIVANJE I POVRAT SREDSTAVA

U skladu sa važećim zakonom, možete otkazati Transakciju za povrat sredstava, osim ako su sredstva već preuzeta ili deponovana u trenutku kada primimo Vaš pisani zahtjev. Zahtjevi za povrat sredstava primljeni u roku od 30 dana od datuma iniciranja prvobitne Transakcije ispunjavaće uslove za povrat kako iznosa transfera, tako i plaćenih naknada. Zahtjevi za povrat nakon 30 dana od datuma iniciranja prvobitne Transakcije imaju pravo samo na povrat iznosa transfera. Ako smo prikupili poreze, porezi će biti vraćeni, osim kada zakon ili lokalna praksa zahtijevaju drugačije.

X. KORISNIČKA PODRŠKA

Ako primijetite greške ili naiđete na probleme sa Našim Uslugama, ili nijeste zadovoljni Našim Uslugama, posjetite Našu Stranicu za korisničku podršku. Naš predstavnik će pravično i bez odlaganja ispitati Vaše navode.

XI. OSTALE INFORMACIJE

1. Prenos prava. U skladu sa važećim zakonom, možemo prenijeti ove Uslove na treće lice bez Vašeg pristanka.

2. Cjelokupan ugovor. Ovi Uslovi predstavljaju cjelokupan ugovor između Vas i Nas i zamjenjuju sve prethodne ugovore koji su mogli postojati između Vas i Nas.

3. Jezik. Ovi Uslovi mogu biti dostupni na više jezika radi Vaše pogodnosti. Ukoliko dođe do razlika, engleska verzija ima prednost, u skladu sa važećim zakonom.

4. Bez odricanja prava. Ovi Uslovi važe čak i ako je jedna ili više odredbi nevažeća, nezakonita ili neprimjenjiva. Važenje preostalih odredbi nije dovedeno u pitanje.

5. Viša sila. Nećemo biti odgovorni ni za kakav neuspjeh ili kašnjenje u izvršavanju Usluga u mjeri u kojoj je takav neuspjeh ili kašnjenje izazvano okolnostima izvan naše razumne kontrole, uključujući, bez ograničenja: promjene važećih zakona; zatvaranje ili nedostupnost potrebne fizičke i mrežne infrastrukture; bankrot države; prekid napajanja ili interneta; građanski nemiri; rat; i zemljotres, požar, poplava ili druge prirodne nepogode.

6. Odvojivost odredbi. Ako bilo koji dio ovih Uslova bude proglašen nevažećim, nezakonitim ili neprimjenjivim od strane suda nadležne jurisdikcije, taj dio će biti odvojen od ostatka Uslova, koji će nastaviti da važi i bude primjenjiv u najvećoj mjeri dozvoljenoj zakonom.

7. Ostali uslovi. Ovi Uslovi mogu biti dopunjeni uslovima koji se odnose na promocije, program preporuka i druge uslove koji se primjenjuju na Vas na osnovu Vaše upotrebe Naših drugih proizvoda i usluga. U mjeri u kojoj se utvrdi da je bilo koji od tih uslova u konfliktu sa ovim Uslovima, ovi Uslovi imaju prednost.

Dodatak A – Odredbe specifične za zemlju

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
EU Countries (except Austria, Cyprus, Czech Republic, Greece and Malta)For all money transfers (except those performed on wu.com web/app):
Western Union Payment Services Ireland Limited

 
For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office.
2.2. For money transfers performed on wu.com web/app:
(i) Regulator. Financial Market Authority (“FMA”).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
EEA Countries, UK and TurkeyNew provision for Part B, Section I:
5. Delivery Time.

Subject to the terms of this Agreement and Service selected, You acknowledge that We will use reasonable skill and care to execute the Transactions within the following timelines after receiving Your payment for our Services:
(1) For Transactions with payout at a location: (i) typically in minutes; (ii) As otherwise notified to You at the time of Transaction (which may occur within hours of receiving Your payment); or (iii) As soon as our Partners and payment networks allow.
(2) For Transactions with payout to account: (i) for payouts to digital wallets, typically in real time or within 15 minutes; (ii) for payouts to non-digital bank accounts, typically by the end of the next business day and no later than the end of the fourth business day.
If We receive Your payment outside of business hours, the Transaction may be processed on the next business day. Exceeding amount limitations, regulatory restrictions, or other restrictions in certain countries may delay Transactions.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AfganistanWestern Union Network (Ireland) Ltd
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AlbaniaUnion Financiar Tirane, in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Bank of Albania
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
American SamoaWestern Union Financial Services, Inc., Western Union International Services, LLC
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AndorraSociedad Estatal Correos y Telégrafos, S.A.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
ArgentinaWestern Union Financial Services Argentina S.R.L.The following provision supplements Part B, Section I, Subsection 1:
Part B
I. OUR SERVICES
1.General. We may offer the Services nationally and internationally. Each money transfer is given an individual transaction number, the MTCN. Our Services include international and domestic transfer of money.
 
The following provision supplements Part B, Section II, Subsection 2:
Part B
II.FEES AND PAYMENT
2. FOREIGN CURRENCY. Money transfers are normally paid in the currency of the destination country (in some countries, payment is available in U.S. dollars or some other alternative currency). The conversion of the money sent into the currency of the destination country will be made by the remitting agent, at the exchange rate in effect in the destination country at the time the funds are sent by the sender. IT IS EXPRESSLY STATED THAT WESTERN UNION ARGENTINA DOES NOT CARRY OUT EXCHANGE OPERATIONS IN THE REPUBLIC OF ARGENTINA. For more information on exchange rates for destination countries, please contact the number at the bottom of these Terms and Conditions. Such information is indicative only, since Western Union Argentina is not in charge of any exchange operation in the Republic of Argentina.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AustraliaNetwork of authorised Partners in conjunction with Western Union Financial Services (Australia) Pty. Ltd.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AustriaFor all money transfers (except those performed on wu.com web/app and Erste Bank):
Western Union Payment Services Ireland Limited
 
For money transfers performed on wu.com web/app and Erste Bank:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app and Erste Bank):
(i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075.
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/at or call us on 0800 297 579 or send an email to austria.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office.
2.1. For money transfers performed on wu.com web/app and Erste Bank:
(i) Regulator. Financial Market Authority (“”FMA””).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/at or call us on 0800 297 579 or send an email to austria.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
AzerbaijanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
Regulator. Central Bank of Azerbaijan.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
BahrainWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
BangladeshNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
BhutanBhutan Postal Corporation
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Bosnia & HerzegovinaNetwork of licensed and authorised Partners in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator. Central Bank of Bosnia and Herzegovina.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
BrazilWestern Union Corretora de Câmbio S.A., in cooperation with (i) Western Union Financial Services, Inc. for Transactions to and from the United States, Canadá and México; and (ii) Western Union Financial Services, Inc. for all other Transactions.
New Preamble provision:

Western Union Corretora de Cambio S.A. is an authorized legal representative of Western Union in the country and authorized to operate by the Central Bank of Brazil under number 28996, duly registered with CNPJ No. 13.728.156/0001-35.

The following provision supplements Part B, Section I:

6. Purpose of the transaction. In carrying out the transaction, the client declares to be fully aware of the text contained in the respective receipt, Articles 3 and 4 of Law No. 14,286 of December 29, 2021, and in particular the second and third paragraphs of Article 4, transcribed in this document, as well as BCB Resolution No. 277, of December 31, 2022, which govern this operation. Article 3 of Law No. 14,286, of December 29, 2021: “Article 3 The operations in the exchange market can be carried out only through institutions authorized to operate in this market by the Central Bank of Brazil, in the form of the regulation to be edited by this municipality.” Article 4, §§ 2 and 3 of Law no. 14,286, of December 29, 2021: “§ 2º It Is the responsibility of the client to classify the purpose of the operation in the exchange market, as provided for in the regulation to be edited by the Central Bank of Brazil. § 3º The institutions authorized to operate in the exchange market will provide technical guidance and support, including through virtual means, for customers who need support for the correct classification of purpose of the operation in the exchange market, of which § 2 of this article is addressed.” The client also declares that the Withheld Income Tax at Source (“IRRF”) was not collected in this transaction, because it is an exemption or non-incidence case.

7. Fraud. Customer declares to be aware that Western Union will process, store, share and record your personal data and information for fraud control and prevention purposes, with the aim of ensuring the security of operations. According to current regulations, personal data and information may be shared with companies in your conglomerate, third-party companies, other institutions belonging to the National Financial System, payment institutions and regulatory bodies.

WU WARNS THAT SENDING MONEY TO A PERSON THE SENDER DOES NOT KNOW SHOULD NOT BE CARRIED OUT. INFORMATION AND DETAILS OF MONEY TRANSFERS SHOULD BE SHARED ONLY WITH THE BENEFICIARY.

The following provision supplements Part B, Section V:

V. PRIVACY

Your personal data (“Personal Data”) is processed and controlled by Western Union in accordance with the provisions of Federal Law No. 13,709/2018. Western Union collects and uses the personal data provided when sending the transfer of funds, along with other information collected or generated during your relationship with Western Union, in order to provide the contracted services appropriately and in complete manner.

To execute the transaction, Western Union will retain and retain the personal data that the sender provides about the recipient of the transfer of funds (“Third Party Personal Data”). Without the respective personal data and the personal data of third parties, it is not possible to perform the money transfer service. The Data Protection Officer (DPO), whose activities consist of accepting complaints, providing clarifications, among others, as provided for in article 41 of Law 13,709/18, can be contacted by e-mail LGPDWU@westernunion.com, with the subject “Care of DPO”.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Brunei DarussalamNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
CambodiaNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
ChinaNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
ChileWestern Union Chile SpAThe following provision supplements Part B, Section II, Subsection 4:

4. Using An Account.

To perform international money transfer transactions through the Mobile Application, using online bank transfers, the customer must enter his personal data in the Mobile Application and without leaving this environment will be redirected to a bank gateway through which he must authorize from his exclusively personal account the corresponding debit. To perform international money transfer transactions through Stage & Pay, the customer may pre-charge the transaction he wishes to carry out through the Mobile Application and then complete it within 24 hours in an Agency paying the amount pre-charged in the Mobile Application.

The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

The Service is intended solely for the purpose of sending funds to individuals known and trusted by the sender, who are located in the destination country indicated in the Service application form at the time the Transaction is initiated.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Cook IslandsJetsave Cook Islands Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
CyprusFor all money transfers (except those performed on wu.com web/app):
G.A.P. VASSILOPOULOS PUBLIC LIMITED
 
For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator. Central Bank of Cyprus
(ii) Complaints. If you have a complaint about our service, please reach out to G.A.P. VASSILOPOULOS PUBLIC LIMITED 20, Strovolou Avenue Strovolos 2011 Cyprus
2.2. For money transfers performed on wu.com web/app:
(i) Regulator. Financial Market Authority (“FMA”).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cy or call us on 0800 95038 or send an email to cyprus.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Czech RepublicFor all money transfers (except those performed on wu.com web/app):
Western Union Payment Services Ireland Limited
or
P.E.S. Penezni Expresni Service S.R.O.
 
For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cz or call us on 0800 297 579 or send an email to czechia.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office.
2.2. For money transfers performed on wu.com web/app:
(i) Regulator. Financial Market Authority (“FMA”).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/cz or call us on 0800 297 579 or send an email to czechia.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
 
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator. Czech National Bank.
(ii) Complaints. If you have a complaint about the service offered by P.E.S. Penezni Expresni Service S.R.O. please contact.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Denmark (Faroe Islands)TaTanka Sp/f
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
East TimorPacific Holdings Unipessoal, LDA
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
EgyptWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Federated States of MicronesiaCTSI Logistic FSM
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
GeorgiaNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator. National Bank of Georgia.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
GreeceFor all money transfers (except those performed on wu.com web/app):
ELTA – Hellenic Post
or
World Bridge – Payment Services S.A.
 
For money transfers performed on wu.com web/app:
World Bridge – Payment Services S.A.
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator. Bank of Greece.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
GreenlandVideocentret Godthab ApsThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator. Danish Financial Supervisory Authority.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
GuamConsilidated Transportation
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Hong KongDigital Money Transfer Services: Western Union Online Limited in conjunction with Western Union International Limited using a network of independent authorized agents and representatives worldwide.
Retail Money Transfer Services:
The following provision supplements Part B, Section X:
X. CANCELLATION AND REFUNDS

Subject to regulatory requirements, We may determine where refunds are directed.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
IcelandWestern Union International Bank GmbH in cooperation with Western Union International Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
IndiaFor all money transfers (except those performed on wu.com web/app) – receive capability only:
Western Union Financial Services
Western Union Payment Services Ireland Limited
 
For money transfers performed on wu.com web/app:
Western Union Financial Services in collaboration with Yes Bank Limited.
New provision for the Preamble:
Western Union Online Service is offered in collaboration with Yes Bank Limited, with its registered office at 9th Floor, Nehru Centre, Discovery of India Building, Dr. A.B.Road, Worli, Mumbai-400018, Maharashtra, India. Yes Bank Limited has received the necessary approvals from Reserve Bank of India to offer Western Union Outbound Money Transfer Services in India. Yes Bank Limited will be carrying out the KYC process in requirements with the applicable laws of India. For any questions on KYC, you may contact wu-indiacsc@westernunion.com; Western Union will coordinate with Yes Bank for the response.
Please note that Yes Bank Limited being an authorized dealer is solely liable to undertake collection of tax at source (“TCS”) from the buyer /customer remitting the amount (or aggregate of amounts) over and above a certain threshold out of India through WU.com. Yes Bank shall deposit the taxes so collected with the Indian government and undertake the TCS compliances thereon. Please visit https://www.yesbank.in/personal-banking/yes-individual/outward-remittance-web-section for more details on the TCS process and any queries you may have in this regard.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
IndonesiaPT Western Union Indonesia, in affiliation with related international Western Union entity/entities, and/or a network of authorised PartnersThe following provision supplements Part B, Section I, Subsection 3:
3. Money Transfer.
To make a money transfer, You may be required to provide Us with the following information, to the extent applicable or required:
(i) The name of the Sender;
(ii) The name of the Receiver;
(iii) The amount and currency under which the Transaction is to be conducted;
(iv) The payment account details of the relevant Receiver, if applicable;
(v) The date of the Transaction order; and
(vi) Any other information as may be required by Us to execute the Transaction.

New provisions to Part B, Section I:
6. Verification.
We may be required to carry out customer due diligence on You as part of Our know your customer (KYC) policy. We may request for information and documentation prior to or during your use of the Services, including information or documentation relating to Your identity. You agree that Your use of the Services may be subject to Our KYC and verification process.
You agree that We are entitled to check and verify the information You provide, either directly or indirectly through any third party, including through databases. If You fail or refuse to provide the information requested by Us under this section, or if the information You have provided Us with is found to be untrue, inaccurate, or incomplete, We shall be entitled to deny and block Your use of the Services.

7. Execution of Transaction. Notwithstanding any other provision, We may refuse to execute a Transaction if the information provided by You is untrue, inaccurate, or incomplete. In the event of Our refusal to execute the Transaction, We shall inform You regarding the details of such refusal, within 7 seven working days after We have received Your Transaction order.

New provisions to Part B, Section IV:
4. Foreign Exchange Limitation.
Foreign currency transactions, if any, including the purchase or sale of Indonesian Rupiah for foreign currencies, or vice versa, may be subject to certain limitations as determined by Bank Indonesia. If Your Transaction exceeds applicable limits, You may be required to provide additional documents, including but not limited to documentation relating to the relevant Transaction and any other supporting document We may request for. You acknowledge that We are entitled to not execute the Transaction if You do not present sufficient documentation or information.

The following provision amends Part B, Section VII, Subsection 1:
1. Governing Law and Dispute Resolution.
These Terms and any Transaction are governed by the laws of the Send Country. If the Sender is located in Indonesia, any dispute arising out of or in connection with these Terms or any Transaction may be brought before the District Court of Central Jakarta, which shall serve as the primary forum for dispute resolution. Notwithstanding the above, if permitted under applicable law and mutually agreed upon, We may opt to resolve disputes through arbitration, in a forum of the parties’ choosing. In the event of any conflict between these Terms and applicable law, the provisions of the applicable law shall prevail.

New provision to Part B, Section XI:
8. Amendments.
We may update, amend, or revise these Terms from time to time. If any material changes are made, We will notify you by email or through other appropriate means. By continuing to use Our Services after such amendments take effect, You agree to be bound by the amended Terms. If You do not agree with the amendments, You may stop using our Services. In any event, upon the lapse of 30 working days from Our notification to You regarding the amendments to these Terms, You shall be deemed to have agreed to the amendments made to these Terms.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Isle of ManGlobal Travel Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
IraqWestern Union Network (Ireland) Ltd
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
JapanWestern Union Japan KKNew provision for the Preamble:
Western Union Japan KK is licensed by the Kanto Local Finance Bureau (registration number: 00039), to offer Type II fund transfer services business in Japan and conducts fund transfer transactions of 1,000,000 yen or less.

The Transaction is not conducted by a bank. Transactions do not involve the acceptance of deposits or term deposits, savings or installment savings. Transactions are not the subject of insurance payment prescribed by Article 53 of the Deposit Insurance Act (Act No. 34 of 1971) or Article 55 of the Agricultural and Fishery Cooperation Savings Insurance Act (Act No.53 of 1973). Western Union has signed and executed a Guarantee Agreement with Mizuho Bank, Ltd. to ensure that all users in Japan are protected by the Performance Protection Funds contained in Article 44 of the Money Transfer Business Act. You have the right to claim onto performance security funds defined in Article 59 of the Money Transfer Business Law (Act No.59 of 2010).

The following provision supplements Part A, Section II:
II. DEFINED TERMS

Currently, bank transfer and payment through certified collection partners is the applicable Payment Method. Therefore, the terms “Bank Card” and “Card Issuer” are provided for illustrative purposes only.

The following provision supplements Part B, Section IV:
IV: RESTRICTIONS

Not Available for certain Individuals or Transactions: (1) “You acknowledge and confirm that in line with applicable law, funds sent or received shall not, directly or indirectly be to/ from North Korea or Iran (or such other countries as may be prohibited from time to time in accordance with applicable law) (2) You must not be a member of a bouryoku-dan or organized crime group (“Antisocial Force”) or have association with an Antisocial Force, or, if You are a corporation, any of Your respective directors, officers or employees must not be a member of an Antisocial Force or have association with an Antisocial Force. In the event that We come to know or have a reason to believe that You are a member of an Antisocial Force or has association with an Antisocial Force, or, if You are a corporation, that any of Your respective directors, officers or employees is a member of an Antisocial Force or has association with an Antisocial Force, We will immediately take all the necessary steps to prevent any further use of the Western Union Online Service by You. Prompting these steps does not make Us liable for any loss or damage that are the result of Your failure to comply with Your responsibility in accordance with the preceding paragraph.

The following provision supplements Part B, Section VII:
VII. COMPLAINTS, APPLICABLE LAW, DISPUTES

We will promptly investigate any claims arising out or relating to the Transaction. If You are not satisfied with such investigation, You may refer the claim and dispute to the Japan Money Senders Association (“JMSA”) at 03-3556-6261, 7/F, 3-8-11 Kudan-minami, Chiyoda-ku, Tokyo 102-0074, or Tokyo Bar Association Dispute Center for Conflict Resolution at 03-3581-0031, or Daiichi Tokyo Bar Association Dispute for Arbitration Center at 03-3581-8588, or Daini Tokyo Bar Association Dispute for Arbitration Center at 03-3581-2249, to resolve or follow the JMSA guidelines to resolve the dispute by arbitration.to resolve or to resolve the dispute by arbitration.

New provisions to Part B, Section XII:
8. Safeguarding rules.
The required security deposit amount is determined on every Saturday at 24:00 midnight New York time (every Sunday at 1:00pm Tokyo time) as the maximum of the required security deposit amounts during the 7-day period of the previous week from Sunday 0:00 midnight New York time to Saturday 24:00 midnight New York time. The required deposit amount will be added to the Guarantee Agreement with Mizuho Bank as described in clause 15.4 above. In case the Guarantee Agreement would not work for whatever reason, the required deposit will be deposited with an official depositary within 3 (three) business days (excluding Sundays, Saturdays, holidays prescribed in the Act on National Holidays, January 2nd, January 3rd, and from December 29th to December 31st) from the end of the 7-day period so specified in the preceding sentence.

9. No Retention by Us. We shall not hold funds received from You which are not used for transactions. With respect to funds received from You via a Payment Method which are deemed not to be used for transactions, We shall return such funds to You or take other measures not to retain such funds. We will only conduct fund transfer transactions of 1,000,000 yen or less.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
JordanWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
KazakhstanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of Kazakhstan.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
KoreaNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
KosovoUnioni Financiar Prishtinë SH.P.K. in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Central Bank of the Republic of Kosovo.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
KuwaitWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
KyrgyzstanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of Kyrgyzstan
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
LaosNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
LebanonWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
LiechtensteinWestern Union International Bank GmbH in cooperation with Western Union International Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MacauNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MacedoniaNetwork of licensed and authorised Partners in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of the Republic of North Macedonia.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MalaysiaWestern Union Payments (Malaysia) SDN BHDNew provision for the Preamble:
Notwithstanding anything contained herein, if You are dealing as a Consumer under the Consumer Protection Act 1999 (“CPA“): (i) Western Union gives You such implied warranties under the CPA that cannot be excluded by the CPA; (ii) these Terms and Conditions are intended to exclude or limit the rights and remedies You may have to the maximum extent permitted by law and the CPA; and (iii) nothing in these Terms and Conditions are intended to exclude or limit Western Union’s liability to You for any loss or damage arising from (i) negligence on Western Union’s part or (ii) breach of any express terms contained herein or implied by the CPA which cannot be excluded without adequate justification.
 
The following provision amends Part B, Section VII, Subsection 1:
1. Governing Law and Dispute Resolution.
These Terms and Conditions shall be governed and construed in accordance with the laws of Malaysia and the parties submit to the non-exclusive jurisdiction of the courts of Malaysia and any courts which have jurisdiction to hear appeals from such country and you waive any right to objection proceedings being conducted in such courts.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MaldivesIsland Financial Service PVT LTD
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MaltaFor all money transfers (except those performed on wu.com web/app):
Fexserv Financial Services Ltd.
 
For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.

2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator.
Malta Financial Services Authority
(ii) Complaints. If you have a complaint about the service offered by our agent, please contact: Fexserv Financial Services Ltd., Alpine House, Naxxar Road, San Gwann, SGN 9032 Malta, Tel: (+356) 25762576.
 
2.2. For money transfers performed on wu.com web/app:
(i) Regulator.
Financial Market Authority (“FMA”)
(ii) Complaints. If you have a complaint about our service, please contact us via the website at www.westernunion.com/contact-us / https://www.westernunion.com/hr or call us on 0800 806227 or send an email to croatia.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Marshall IslandsRobert Reimers Enterprises Inc.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MexicoServicio Integral de Envíos, S.A. de C.V. , money transmitter registered with number 20364.New provision for the Preamble:
Servicio Integral de Envíos, S.A. de C.V. , money transmitter registered with number 20364.
Adress: Avenida Paseo de la Reforma número 505, Piso 17, Col. Cuauhtémoc, Alcaldía Cuauhtémoc, C.P. 06500, Ciudad de México
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MoldovaNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MongoliaNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MontenegroMONTENEGRO TRANSFERS DOO PODGORICA in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Central Bank of Montenegro.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
MyanmarNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
NepalNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
New ZealandWestern Union International LimitedThe following provision supplements Part B, Section X:
XI.CUSTOMER CARE

The Customer Care number is not toll-free for call from New Zealand.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
NigeriaWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
NiuaNiue Commercial Enterprises
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Northern Mariana IslandsInsurance and Business
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
NorwayFor all money transfers (except those performed on wu.com web/app):
Western Union Payment Services Ireland Limited
or
Forex AB

For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited

The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):

(i) Regulator. Central Bank of Ireland. Register of payment service firms under number C55075
(ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/no or call us on 80018666 or send an email to norway.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to the Financial services and Pension Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 567 7000 or via email info@fspo.ie or your local governmental office.
2.2.For all money transfers (except those performed on wu.com web/app) offered by Forex AB:
(i) Regulator: Finanstillsynet.
2.3. For money transfers performed on wu.com web/app:

(i) Regulator. Financial Market Authority (“FMA”)
(ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/no or call us on 80018666 or send an email to norway.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
OmanWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PakistanNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PalauCTSI Logistics Palau Inc.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PalestineWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PanamaTransfer Express de Panama S.A.The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

The Service is intended solely for the purpose of sending funds to individuals known and trusted by the sender, who are located in the destination country indicated in the Service application form at the time the Transaction is initiated.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Papua New GuineaBank of South Pasific Ltd.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PeruWestern Union Peru S.A.The following clause supplements Part B, Section II:
II. FEES and PAYMENT

On your Transaction could apply taxes such as ITF and IGV.

The following clause supplements Part B, Section IV, Subsection 3:

IV. RESTRICTIONS

The Service is intended solely for the purpose of sending funds to individuals known and trusted by the sender, who are located in the destination country indicated in the Service application form at the time the Transaction is initiated.

The following clause supplements Part B, Section V:

V. PRIVACY

Your personal data (“Personal Data”) are processed and controlled by Western Union Peru S.A (“WUPSA”), in accordance with the Law No. 27933. WUPSA collects and uses the Personal Data provided when sending the money transfer, together with other information collected or generated during the course of your relationship with WUPSA in order to adequately and completely provide the contracted services.

WUPSA will maintain and retain Personal Data that the sender provides to us about the recipient of the money transfer to execute the transaction (“Third Party Personal Data”). Without the respective Personal Data and Third Party Personal Data, it is not possible to carry out the money transfer service. For more information you can visit https://www.westernunion.com/global/es-xl/privacy-statement-peru.html

The following clause supplements Part B, Section VII:

VII. COMPLAINTS, APPLICABLE LAW, DISPUTES

If you not be satisfied with our services under these Terms, you may make a complaint on https://www.westernunion.com/pe/es/claim-form.html. We will send you a final response letter within 15 business days of receipt of your complaint. If you are unhappy with our final response, you have the right to refer your complaint to INDECOPI.

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
PhilippinesWestern Union Processing Services, Inc.New provision for the Preamble:
BSP Regulated Entity. Western Union Processing Services Inc. is a regulated entity by the Bangko Sentral ng Pilipinas. For complaints, inquiries, and requests, please contact the BSP Consumer Financial Protection Bureau – (855) 411-2372; www.consumerfinance.gov.
&nsbp;
New provision for Part B, Section I:
I. OUR SERVICES

6. Modification of Transaction Details. You may request changes to certain transaction details, subject to Our discretion and provided that the request is made before the Transaction is processed. These changes may include, but are not limited to, the currency, payout method, Receiver’s name, or a test question. To request a modification, please contact Our Customer Care team. All requests are subject to availability and where relevant, Westen Union’s discretion.
 
New provision for Part B, Section X:
X. CANCELLATION AND REFUNDS
2. Cancellation.
We may cancel Your Transaction for operational reasons, including but not limited to (i) operational or technical issues or errors; (ii) suspected or confirmed consumer fraud; and (iii) compliance related delay.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Puerto RicoWestern Union Financial Services, Inc.
Western Union International Services, LLC
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
QatarWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Saudi ArabiaWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SamoaFEXCO (Samoa) Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SingaporeWestern Union Global Network Pte LtdNew provision for Part A:
A person who is not a party to any agreement governed by these Terms has no rights under the Contracts (Rights of Third Parties) Act, Chapter 53B of Singapore.
 
New provision for Part B, Section I:
5. Safeguarding.
Western Union Global Network Pte Ltd is required under the Payment Services Act 2019 (“PSA”) of Singapore to safeguard relevant money (as defined in section 23(14) of the PSA) received from or on the account of its customers. Western Union Global Network Pte Ltd has arranged for the aggregate relevant money of its customers to be safeguarded in a combination of two ways: (a) a certain amount (the “Guaranteed Amount”) is safeguarded by a guarantee given by a safeguarding institution that is a licensed bank in Singapore, which requires the safeguarding institution to pay the Guaranteed Amount in the event of the insolvency of Western Union Global NetworkPte Ltd, in accordance with the applicable requirements of the PSA; and (b) an amount equivalent to all remaining relevant money which exceeds the Guaranteed Amount will be held by Western Union Global Network Pte Ltd on behalf of its customers in a trust account (the “Trust Account”) opened with another safeguarding institution that is also a licensed bank in Singapore. Generally, any relevant money received from a customer of Western Union Global Network that is deposited in the Trust Account will be commingled with relevant money received from other customers of Western Union Global Network Pte Ltd. Consequently, you acknowledge that it is not possible to identify any portion of the relevant money in the Trust Account as specifically belonging to you (nor is it possible to identify whether your relevant money is covered under the Guarantee as opposed to being deposited in the Trust Account) and money in the Trust Account could be withdrawn to meet the obligations of other customers. If the safeguarding institution with which the Trust Account is maintained becomes insolvent, you may be delayed or prevented from recovering your full entitlement to the relevant money.
 
The following provision supplements Part B, Section VI:
We assume liability for the execution of a money transfer order in the event of the fault of an employee or vicarious agent acting on Our behalf, pursuant to the provisions set forth under Singapore law. The liability of Western Union, Western Union affiliates and foreign agents is excluded for cases of negligence. This exclusion does not apply in the case of death, bodily injury or impairment of health, nor in the case of violating major contractual obligations. In the case of violating ancillary contractual obligations through negligence Our liability is limited to replacing the typical and reasonably foreseeable damage up to the maximum amount of SGD 500 (in addition to the transferred amount and the fees charged).
 
The following provision amends Part B, Section VI, Subsection 1:
1. Choice of Law and Dispute Resolution.
These Terms shall be governed and construed in accordance with the laws of the Republic of Singapore and the parties submit to the exclusive jurisdiction of the courts of the Republic of Singapore.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SerbiaTENFORE DOO BEOGRAD INSTITUCIJA ELEKTRONSKOG NOVCA in cooperation with Western Union International LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of Serbia.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Solomon IslandsNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
South SudanWestern Union Network (Ireland) Ltd
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Sri LankaNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SudanWestern Union Network (Ireland) Ltd
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SwitzerlandFor all money transfers (except those performed on wu.com web/app):
Western Union (Switzerland) LLC, Dover (Delaware/USA), Zweigniederlassung Zurich
&nsbp;
For money transfers performed on wu.com web/app:
Western Union International Bank GmbH in cooperation with Western Union International Limited
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
2.1. For all money transfers (except those performed on wu.com web/app):
(i) Regulator.
VQF (Verein zur Qualitätssicherung von Finanzdienstleistungen).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/ch or call us on 0800 562103 or send an email to switzerland.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions.
2.2. For money transfers performed on wu.com web/app:
(i) Regulator.
Financial Market Authority (“FMA”).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/ch or call us on 0800 562103 or send an email to switzerland.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint tothe Joint Conciliation Board of the Austrian Banking Industry [Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft], Wiedner Hauptstraße 63, 1045 Vienna.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
SyriaWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TaiwanKing’s Town Bank, Ltd.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TajikistanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of Tajikistan.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
ThailandNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TongaFEXCO (Tonga) Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TurkeyFor all money transfers (except those performed on wu.com web/app):
BPN Ödeme ve Elektronik Para Hizmetleri A.Ş
 
For money transfers performed on wu.com web/app:
Western Union Turkey Ödeme Hizmetleri Anonim Sirketi
The following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Central Bank of Turkey (Türkiye Cumhuriyet Merkez Bankası).
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TurkmenistanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Central Bank of Turkmenistan.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
TuvaluFEXCO (Fiji) Limited
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
UkraineNetwork of licensed and authorised Partners in cooperation with Western Union Network (France) SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
National Bank of Ukraine.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
United Arab EmiratesWestern Union Network (France) SAS
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
United KingdomWestern Union Payment Services GB LimitedThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator and Complaints.
(i) Regulator.
Financial Conduct Authority (“FCA”).
(ii) Complaints. If you have a complaint about our service, please contact us via the website at https://www.westernunion.com/gb or call us on 0800-833-833 or send an email to uk.customer@westernunion.com. We will then: (a) send you written acknowledgement that your complaint has been received; (b) contact you further should we require any additional information regarding your complaint; and (c) fully investigate and provide a detailed response to your complaint, including an explanation of our decisions, including any redress or remedial action, and reasons for our decisions. If you are not satisfied with our response to your complaint, you have the right to refer your complaint to The Financial Ombudsman Service. South Quay Plaza, 183 Marsh Wall, London E14 9SR. Visit www.financial-ombudsman.org.uk for more information.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
UzbekistanNetwork of licensed and authorised Partners in cooperation with Western Union Network (France), SASThe following provision supplements Part B, Section VII, Subsection 2:
2. Regulator.
Central Bank of Uzbekistan.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
VanuatuNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
VietnamNetwork of licensed and authorised Partners
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
YemenWestern Union Network (France) SAS