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”.

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.

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.

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.

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.

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.