POGOJI IN DOLOČILA STORITVE DENARNIH NAKAZIL DRUŽBE WESTERN UNION®

Sklepate pogodbo v skladu s temi pogoji in določili storitve denarnih nakazil ( “pogoji”) z licencirano hčerinsko družbo Western Union (vsaka posamezno “subjekt družbe Western Union” in skupaj “subjekti družbe Western Union”) ali licenciranim partnerjem, predstavnikom ali zastopnikom ( “partner”) (“mi”, “naš” ali “nas” se nanaša na ustrezen subjekt družbe Western Union in/ali partnerja), ki ponuja storitve v skladu s svojo licenco, v sodelovanju s subjektom družbe Western Union za naše storitve v državi, iz katere pošiljate nakazilo (“država pošiljanja”). Poslujete z subjektom/subjekti družbe Western Union ali partnerjem, pri katerem ste zaprosili za naše storitve. Njihove podrobnosti so navedene v Prilogi A – Določbe za posamezne države ali na vašem računu. Morebitni drugačni ali dodatni pogoji, ki veljajo za vas glede na državo pošiljanja, če obstajajo, so navedeni v Prilogi A – Določbe za posamezne države. Prav tako nudimo dodatne finančne storitve, ki niso zajete v teh pogojih (npr. storitve digitalne denarnice). Da bi lahko uporabljali te dodatne finančne storitve, boste morda morali sprejeti tudi dodatne pogoje in določila, ki veljajo za posamezno storitev.

DEL A: UVOD

Ti pogoji veljajo za naše storitve, kot so opredeljene spodaj. Z uporabo naših storitev potrjujete, da sprejemate te pogoje in da se strinjate, da jih boste upoštevali. Če se s temi pogoji ne strinjate, naših storitev ne morete uporabljati. Priporočamo, da natisnete ali shranite kopijo teh pogojev za poznejšo uporabo.

Kadar koli in brez obveznosti lahko spremenimo ali prekinemo vse ali del storitev (vključno z dostopom prek povezav tretjih oseb); zaračunavamo, spreminjamo ali odpravljamo določene provizije povezane s storitvami; ali ponujamo storitve ali določene storitve nekaterim ali vsem uporabnikom.

I. OPREDELITEV IZRAZOV

Naslednji izrazi imajo pomen, ki je naveden spodaj. Vsi dodatni opredeljeni izrazi bodo navedeni v oklepajih v ustreznem poglavju. Podčrtane besede v teh pogojih vsebujejo hiperpovezave do dodatnih informacij.

“Bančna kartica” se nanaša na debetno kartico ali predplačniško kartico in, kjer je to primerno, kreditno kartico (npr. Visa ali Mastercard).

“Plačilo računa” se nanaša na storitev, ki je na voljo v nekaterih državah in omogoča strankam, da načrtujejo, upravljajo in izvršujejo plačila različnim izdajateljem računov.

“Izdajatelj kartice” se nanaša na izdajatelja in lastnika bančne kartice.

“Lokacija” se nanaša na kraje, kjer lahko pri nas osebno nakažete in prejmete denar ali v nekaterih državah plačate račun. To vključuje različne lokacije, kot so banke, supermarketi, finančne institucije, poštni uradi, kioski in druge trgovine.

“Mobilna aplikacija” se nanaša na mobilno aplikacijo, ki jo ponujamo potrošnikom za uporabo storitev.

“Prejemnik” se nanaša na prejemnika, ki ga je pošiljatelj določil za prejem sredstev, in vključuje izdajatelje računov v storitvi za plačilo računa.

“Pošiljatelj” se nanaša na posameznika, ki je prek naših storitev sprožil denarno nakazilo ali plačilo računa.

“Storitve” pomenijo finančne storitve, navedene v delu B (I.) teh pogojev.

“Telefonsko denarno nakazilo” se nanaša na storitev, pri kateri potrošnik sproži denarno nakazilo s klicem na določeno telefonsko številko, običajno preko pogovora s predstavnikom službe za pomoč strankam ali preko avtomatiziranega sistema.

“Nakazilo” se nanaša na denarno nakazilo, ki ga po prejemu veljavnega plačila od pošiljatelja sproži pošiljatelj prek naših storitev.

“Datum začetka nakazila” se nanaša na datum, ko začnete denarno nakazilo ali plačilo računa prek naših storitev in je vaša zahteva avtorizirana in predložena v obdelavo.

“Spletno mesto” se nanaša na spletno mesto, ki ga upravljamo za zagotavljanje naših storitev.

“Vi” ali “vaš” se nanaša na vsakega posameznika, ki uporablja naše storitve kot pošiljatelj.

DEL B: SPLOŠNI POGOJI STORITEV

I. NAŠE STORITVE

1. Splošno. Naše storitve vključujejo mednarodna in domača denarna nakazila ter storitve plačevanja računov (če je to zakonsko dovoljeno in na voljo). Vsako nakazilo dobi svojo individualno številko nakazila, MTCN.

2. Upravičeni uporabniki. Če želite uporabljati storitve, morate (i) izpolnjevati minimalne starostne zahteve in (ii) imeti pravno sposobnost za sklepanje zavezujočih pogodb z nami v državi pošiljanja v skladu z veljavno zakonodajo. Prejemnik mora izpolnjevati minimalne starostne zahteve v državi prejemnika.

3. Denarno nakazilo. Ko nam posredujete potrebne informacije in dokumentacijo ter sprejmete te pogoje za izvedbo denarnega nakazila, nam naročate, da izvedemo določeno nakazilo. Vsako nakazilo je ločena pogodba med vami in nami, ki velja izključno za to denarno nakazilo. Na podlagi te pogodbe nismo dolžni opravljati nobenih prihodnjih denarnih nakazil.

4. Dostop do storitev. Storitve se opravljajo prek lokacij, spletnega mesta, mobilne aplikacije ali storitve telefonskega denarnega nakazila. Če dostopate do storitev prek mobilne naprave ali telefona, lahko vaš ponudnik brezžičnih storitev ali operater mobilnega omrežja zaračuna standardne stroške, cene prenosa podatkov in druge provizije.

II. PROVIZIJE IN PLAČILO

1. Provizija za nakazilo. V zameno za uporabo naših storitev se strinjate, da nam boste plačali provizijo za vsako denarno nakazilo, ki ga boste začeli, po takrat veljavni tarifi (“provizija za nakazilo”), povečani za morebitne veljavne davke. Veljavna provizija za nakazilo za vaše nakazilo vam bo sporočena pred vašo končno potrditvijo nakazila, poleg morebitnih provizij za dodatne storitve in morebitnih veljavnih davkov. V nekaterih primerih je lahko plačilo prejemniku denarnega nakazila obdavčeno z lokalnimi davki in stroški storitev.

2. Tuje valute. POLEG PROVIZIJE ZA NAKAZILO ZASLUŽIMO TUDI Z MENJAVO VAŠE VALUTE V TUJO VALUTO. Mednarodna denarna nakazila se običajno izplačajo v valuti ali valutah, ki jih dovoljuje ciljna država. Če je za nakazilo treba pretvoriti vašo valuto v drugo valuto, se pretvorba izvede po veljavnem trenutnem menjalnem tečaju, ki vam je bil prikazan ali posredovan pred vašo končno odobritvijo nakazila. Valuta bo pretvorjena ob času nakazila, prejemnik pa bo prejel znesek v tuji valuti, ki je prikazan. Potrošniške menjalne tečaje določamo tako, da medbančnim tečajem, ki so nam na voljo na veleprodajnem trgu, dodamo maržo. Menjalni tečaji se večkrat na dan spreminjajo glede na globalne finančne trge. Vsako razliko med menjalnim tečajem, ki ga prejmemo mi, in menjalnim tečajem, ki ga prejmete vi, zadržimo. Veljavna provizija za nakazilo in menjalni tečaj se lahko razlikujeta glede na izbrano valuto plačila. Za trenutne menjalne tečaje obiščite naše spletno mesto ali nas kontaktirajte prek kontaktnih podatkov, navedenih spodaj.

Zakonodaja nekaterih držav zahteva, da se valuta pretvori v trenutku izplačila prejemniku. V tem primeru so lahko menjalni tečaj in vsi zneski, ki so vam prikazani ali posredovani, podvrženi nihanjem menjalnega tečaja med trenutkom, ko opravite nakazilo, in trenutkom, ko prejemnik prevzame sredstva.

Nekatere države dovoljujejo izplačila prejemnikom v več valutah. V tem primeru morate ob nakazilu izbrati valuto plačila. Nekatere države dovoljujejo prejemniku, da prejme izplačilo v valuti, ki ni tista, ki ste jo izbrali. V takih primerih se lahko šteje za ločeno nakazilo in lahko dodatno zaslužimo, ko se vaša sredstva pretvorijo v valuto, ki jo izbere prejemnik.

3. SMS-obvestila in stroški. SMS-obvestilo (storitev kratkih sporočil) je lahko na voljo, da vas in/ali vašega prejemnika obvesti o pomembnih podrobnostih vašega nakazila. Stroški, ki jih zaračuna operater mobilnega omrežja, so izključno odgovornost pošiljatelja ali prejemnika. Za stroške, povezane s SMS-sporočili, ne prevzemamo odgovornosti. V skladu z veljavno zakonodajo bo SMS poslan na mobilno številko pošiljatelja in/ali prejemnika, ki je bila navedena ob nakazilu.

4. Uporaba računa. Denar lahko pošiljate z računa ali prejemate na račun, kot je bančni račun, bančna kartica, digitalna denarnica, izdajatelj računa ali druga vrsta računa (v nadaljnjem besedilu: “račun”). Račun zagotavlja banka ali drug ponudnik (“ponudnik računa”), ki vam lahko zaračuna dodatne provizije. Pri uporabi računa morate upoštevati pogodbo s ponudnikom računa. Nismo odgovorni za kakršne koli provizije ali težave, ki jih povzroči ponudnik računa. Če pošiljate ali prejemate denar v valuti, ki ni valuta vašega računa, lahko ponudnik računa spremeni valuto po lastnem tečaju ali zavrne nakazilo. Sprejemamo samo plačila in pošiljamo denar na račune, ki se uporabljajo za osebne, ne pa poslovne namene. Z navedbo navodil za nakazilo potrjujete, da so povezani računi namenjeni izključno osebni uporabi. Za obdelavo nakazil na račun ali z računa lahko uporabimo različne metode. Če nam posredujete napačno številko računa ali druge podatke o računu, bomo denar nakazali na številko računa, ki ste nam jo posredovali. Nismo odgovorni za napake, ki jih stori ponudnik računa ali vi. Za uporabo računa vam lahko zaračunamo dodatne provizije; o provizijah vas bomo obvestili, preden opravite nakazilo.

Z začetkom nakazila z računa (i) potrjujete, da ste lastnik računa in imate pooblastilo za začetek nakazila in (ii) nas pooblaščate, da začnemo elektronske odbitke in/ali dobropise na vaš račun ali da obdelamo in popravimo napake, če nakazila ni mogoče zaključiti.

Do vas nimamo nobene odgovornosti, če: (1) na svojem računu nimate dovolj denarja; (2) vaš račun je zaprt oziroma je dvigovanje denarja omejeno; (3) nakazilo presega omejitve glede zneska ali pogostosti izvajanja, ki smo jih uvedli mi oziroma vaš ponudnik računa; (4) okoliščine, na katere mi ne moremo vplivati (npr. poplave, izpad elektrike, mehanske ali tehnične okvare); (5) vaš ponudnik računa ne izvede nakazila, nakazilo ni obdelano ali ga vaš ponudnik računa vrne; (6) vaša navodila so nepopolna, nepravilna ali se med prenosom k nam izgubijo ali zamujajo; (7) ne uspemo obdelati nakazila zaradi razumnega varnostnega zadržka ali prenehanja oziroma začasne prekinitve storitve ali če vas kako drugače obvestimo o tem, da vaša zahteva ne bo obdelana; ter (8) druge izjeme, ki jih dovoljuje zakonodaja.

5. Možnosti plačila. Strinjate se, da nam boste plačali provizijo za prenos in druge veljavne provizije za vsako nakazilo, ki ga začnete prek naših storitev. Možnosti plačila se razlikujejo glede na državo pošiljanja. Za storitve lahko plačate z bančno kartico, ki je odobrena v državi pošiljanja, ali z drugimi ustreznimi plačilnimi metodami. Plačate lahko tudi z gotovino na lokaciji ali z drugimi razpoložljivimi možnostmi plačila. Skupni dolgovani znesek je treba plačati, preden obdelamo nakazilo. Če plačate z bančno kartico in ne prejmemo avtorizacije od izdajatelja bančne kartice (ali vašega ponudnika računa, v primeru avtomatizirane klirinške hiše (“ACH”), ali razpoložljivih sredstev prek ID-ja plačila), nakazilo ne bo obdelano in sredstva ne bodo prenesena prejemniku. Vsakič, ko uporabite svojo bančno kartico ali ACH za plačilo storitev, se strinjate, da smo pooblaščeni, da vašo določeno bančno kartico ali ustrezen račun obremenimo za skupni znesek (vključno z zneskom nakazila, provizijo za nakazilo, stroški v zvezi z menjalnimi tečaji in drugimi veljavnimi provizijami ali davki).

III. IZPLAČILA NAKAZIL

1. Načini izplačila. Prejemniku ponujamo različne načine prejemanja sredstev, vključno z, vendar ne omejeno na, gotovino na lokaciji, neposrednim nakazilom na debetno kartico, bančni račun ali digitalno denarnico, če je to mogoče. V nekaterih državah ima prejemnik možnost izbrati način prejema sredstev, ki se razlikuje od načina, ki ga je izbral pošiljatelj, ali možnost spremeniti valuto izplačila. Pošiljatelj nas pooblašča, da upoštevamo izbiro prejemnika glede načina prejema sredstev ali valute izplačila, tudi če se ta razlikuje od navodil pošiljatelja. Vsi načini izplačila so odvisni od razpoložljivosti v državi in lokaciji prejemnika.

2. Identifikacija vašega prejemnika. Da bi potrdili, da je posameznik, ki prevzame denar na lokaciji, vaš želeni prejemnik, mora biti vaš prejemnik pripravljen navesti svoje polno ime, predložiti osebni dokument, vaše ime, MTCN in približni znesek nakazila. V nekaterih državah se lahko odločite, da dodate testno vprašanje. Če to storite, odgovor na vprašanje posredujte svojemu prejemniku. Od prejemnika lahko zahtevamo tudi druge informacije. Nakazilo bo izplačano osebi, za katero menimo, da je upravičena do prejema, na podlagi informacij in dokumentov, ki jih predloži prejemnik. Naslova prejemnika ne bomo preverjali. Prejemniku lahko izplačamo denar, tudi če se ime, ki ste ga navedli, in ime na osebnem dokumentu prejemnika razlikujeta v manjših podrobnostih (vendar nismo dolžni izplačati denarja, če se ime razlikuje). Če bomo ugotovili, da posredovane informacije niso zadostne, bomo izplačilo zavrnili in nakazilo bo na voljo za vračilo vam. Za nakazila, poslana na bančni račun ali v digitalno denarnico, bomo sredstva prenesli na račun, ki ga boste navedli. V primeru neskladja med imetnikom številke računa (vključno s številkami mobilnih telefonov ali drugimi podatki, ki ste jih posredovali za identifikacijo računa prejemnika) in imenom želenega prejemnika, bo nakazilo nakazano na številko računa, ki ste jo posredovali. Preverite točnost številk, ki jih navajate, saj se na njih zanašamo.

IV. OMEJITVE

1. Razpoložljivost. Razpoložljivost storitev se lahko razlikuje glede na državo in pristojnost ter se lahko spremeni. Na razpoložljivost storitve lahko vpliva več dejavnikov, vključno z izbrano storitvijo, morebitnimi zamudami pri dostavi, posebnimi pogoji, ki veljajo za vsako storitev, poslanim zneskom, ciljno državo, razpoložljivostjo valute, regulativnimi vprašanji ali vprašanji varstva potrošnikov, zahtevami glede identifikacije, omejitvami dostave, delovnim časom lokacij in razlikami v časovnih pasovih.

2. Prepovedani posamezniki ali nakazila. V skladu z zakonskimi zahtevami nam je prepovedano poslovati z določenimi posamezniki ali v določenih državah, zato preverjamo nakazila glede na seznam oseb, ki so predmet sankcij, ki jih nalagajo različne vladne institucije, vključno z Združenimi državami Amerike, Evropsko unijo in Združenim kraljestvom. Če se zdi, da se vi ali vaš prejemnik ujemata z določeno osebo iz seznama, vas bomo prosili za dodatne informacije, da preverimo, ali vaša identiteta ali identiteta vašega prejemnika ni enaka identiteti te osebe. To lahko vključuje kraj in datum rojstva ter osebne dokumente. Ugotavljanje, ali se podatki ujemajo, bo povzročilo zamudo pri nakazilu. V skladu z zakonom bomo morda morali zamrzniti vaša sredstva.

3. Dovoljena uporaba. Če izvedete ali poskušate izvesti kakršno koli nakazilo, ki krši te pogoje ali naše pravilnike (vključno s pravilniki, namenjenimi preprečevanju goljufij, pranja denarja ali financiranja terorizma), ali če ste ravnali z goljufivim namenom ali namerno ali zaradi grobe malomarnosti prispevali k zlorabi podatkov o nakazilu, vam lahko delno ali v celoti zavrnemo naše storitve; in bomo upravičeni uveljaviti katero koli od naših pravic, pridržanih v teh pogojih; in/ali nakazilo prijaviti pristojnemu organu pregona; in/ali od vas zahtevati povrnitev vseh izgub in škode za vsako nepooblaščeno nakazilo. Zlasti ne uporabljajte naših storitev za kršenje kakršnih koli zakonov, vključno z, vendar ne omejeno na: (i) financiranjem terorizma, (ii) pranjem denarja, (iii) plačilom telefonskim prodajalcem (samo v ZDA), (iii) nakupom tobačnih izdelkov ali (iv) spodbujanjem kakršnih koli kaznivih dejanj, vključno z goljufijo, krajo ali nezakonitim igralništvom. Ne ponujamo fiduciarnih storitev. Storitev ne uporabljajte za hrambo sredstev. Če vam zaradi katerega koli od zgoraj navedenih razlogov zavrnemo zagotavljanje naših storitev (delno ali v celoti), vas bomo o tem obvestili, če bo to mogoče, in navedli razloge za našo zavrnitev, razen če nam to preprečujejo pravni ali varnostni razlogi. Z uporabo naših storitev potrjujete, da je vaša uporaba in uporaba vašega prejemnika zakonita, dovoljena in ne krši teh pogojev.

V. ZASEBNOST

Varovanje vaše zasebnosti je za nas zelo pomembno. Preberite Globalno izjavo o zasebnosti družbe Western Union, da boste bolje razumeli našo zavezanost k varovanju vaše zasebnosti ter našo uporabo in razkritje vaših podatkov.

VI. OMEJITVE ODGOVORNOSTI

NE ODGOVARJAMO ZA ŠKODO ZARADI ZAMUDE, NEPLAČILA ALI PRENIZKEGA PLAČILA TEGA DENARNEGA NAKAZILA ALI NEDOSTAVLJENEGA KAKRŠNEGA KOLI DODATNEGA SPOROČILA, NE GLEDE NA TO, ČE JE BILO TO POVZROČENO ZARADI MALOMARNOSTI NAŠIH ZAPOSLENIH ALI PARTNERJEV ALI KAKRŠNEGA KOLI DRUGEGA RAZLOGA, ZA ZNESEK, KI PRESEGA 500 USD (POLEG VRAČILA OSNOVNEGA ZNESKA DENARNEGA NAKAZILA IN PROVIZIJE ZA NAKAZILO), RAZEN ČE TO PREPOVEDUJE LOKALNA ZAKONODAJA. NE ODGOVARJAMO ZA NOBENE POSREDNE, POSEBNE, NAKLJUČNE ALI POSLEDIČNE ŠKODE. NE GLEDE NA ZGORAJ NAVEDENO, NE IZKLJUČUJEMO ODGOVORNOSTI ZA KAKRŠNE KOLI POGOJE ALI JAMSTVA, KI JIH ZAKON NE MORE IZKLJUČITI, VKLJUČNO Z VSEMI IMPLICITNIMI JAMSTVI, DA BOMO STORITVE IZVAJALI S PRIMERNO SKRBNOSTJO IN STROKOVNOSTJO. NAŠA ODGOVORNOST ZA KRŠITEV TAKŠNEGA POGOJA ALI JAMSTVA JE OMEJENA NA VEČJI ZNESEK IZMED STROŠKOV PONOVNE ZAGOTOVITVE PRIZADETE STORITVE IN ZNESKA, ENAKEGA 500 USD, RAZEN KJER TO PREPOVEDUJEJO LOKALNI ZAKONI.

V skladu z lokalnimi zakoni imate lahko dodatne pravice, VKLJUČNO S STROŠKI ODVETNIŠKIH STORITEV IN STROŠKI REŠEVANJA SPORA, zato vam priporočamo, da se seznanite s temi pravicami.

NE JAMČIMO ZA DOSTAVO ALI PRIMERNOST BLAGA ALI STORITEV, PLAČANIH PREK NAŠIH STORITEV DENARNIH NAKAZIL.

VII. PRITOŽBE, VELJAVNA ZAKONODAJA, SPORI

1. Izbira zakonodaje in reševanje sporov. Ti pogoji in vsa nakazila so urejeni z zakoni države pošiljanja. Vsak spor v okviru teh pogojev ali v zvezi s katerim koli nakazilom lahko pošiljatelj predloži sodiščem ali drugim priznanim organom za reševanje sporov v tej državi, vključno s predložitvijo zadeve neodvisni organizaciji ali varuhu človekovih pravic za reševanje. V primeru kakršnega koli nasprotja med temi pogoji in veljavno zakonodajo prevlada veljavna zakonodaja.

2. Pritožbe. Če imate pritožbo glede naših storitev, vključno z vračili, obiščite našo stran za pomoč strankam, kjer boste našli vse podrobnosti in možnosti za stik, ki veljajo za vašo državo. Če bomo potrebovali dodatne podatke, vas bomo kontaktirali. Zadevo bomo temeljito preiskali in podali podroben odgovor.

VIII. ODŠKODNINA

Strinjate se, da boste nam, našim dobaviteljem, prodajalcem, ponudnikom storitev in njihovim hčerinskim družbam, povezanim družbam, uradnikom, direktorjem, zastopnikom, partnerjem, zaposlenim in svetovalcem povrnili škodo in nas zavarovali pred vsemi zahtevki ali terjatvami, vključno z razumnimi stroški odvetniških storitev, ki jih vloži katera koli tretja oseba zaradi ali v zvezi z vašo zlorabo storitev, kršitvijo teh pogojev ali katerega koli zakona ali vašo kršitvijo pravic tretje osebe.

IX. PREKLIC IN VRAČILA

V skladu z veljavno zakonodajo lahko nakazilo prekličete in zahtevate vračilo, razen če so bila sredstva že dvignjena ali položena v trenutku, ko smo prejeli vašo pisno zahtevo. Zahtevki za vračilo, prejeti v 30 dneh od datuma začetka prvotnega nakazila, bodo upravičeni do vračila zneska nakazila in plačanih provizij. Vračila, zahtevana po 30 dneh od datuma začetka prvotnega nakazila, bodo upravičena le do vračila zneska nakazila. Če smo pobrali davke, bodo ti povrnjeni, razen če zakonodaja ali lokalna praksa določata drugače.

X. CENTER ZA POMOČ STRANKAM

Če opazite napake ali naletite na težave z našimi storitvami ali če niste zadovoljni z našimi storitvami, obiščite našo stran za pomoč strankam. Naš predstavnik bo vaše pomisleke pošteno in hitro preučil.

XI. DRUGI PODATKI

1. Prenos. V skladu z veljavno zakonodajo lahko prenesemo te pogoje na tretjo osebo brez vašega soglasja.

2. Celotna pogodba. Ti pogoji predstavljajo celotno pogodbo med vami in nami in nadomeščajo vse prejšnje pogodbe, ki so bile sklenjene med vami in nami.

3. Jezik. Ti pogoji so lahko za vaše potrebe na voljo v več jezikih. V primeru neskladij velja angleška različica, kot to dopušča veljavna zakonodaja.

4. Brez odstopanja. Ti pogoji veljajo tudi v primeru, če je ena ali več določb neveljavnih, nezakonitih ali neizvršljivih. Veljavnost preostalih določb ostane nespremenjena.

5. Višja sila. Ne odgovarjamo za kakršno koli neizpolnitev ali zamudo pri izvajanju storitev, če je takšna neizpolnitev ali zamuda posledica okoliščin, na katere nimamo razumnega vpliva, vključno z, vendar ne omejeno na: spremembe veljavnih zakonov; zaprtje ali nedostopnost potrebne fizične in omrežne infrastrukture; plačilna nesposobnost države; izpad električne energije ali interneta; civilni nemiri; vojna; potres, požar, poplava ali druge naravne nesreče.

6. Ločljivost. Če pristojno sodišče ugotovi, da je kateri koli del teh pogojev neveljaven, nezakonit ali neizvršljiv, se takšen del loči od preostalih pogojev, ki ostanejo veljavni in izvršljivi v največjem možnem obsegu, ki ga dopušča zakon.

7. Drugi pogoji. Ti pogoji se lahko dopolnijo s pogoji, ki veljajo za promocije, program priporočanja in drugimi pogoji, ki veljajo za vas na podlagi vaše uporabe naših drugih izdelkov in storitev. V primeru, da se kateri koli od teh pogojev izkaže za nasprotujočega tem pogojem in določilom, prevladajo ti pogoji in določila.

Priloga A – Določbe za posamezne države

JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Države EU (razen Avstrija, Ciper, Češka republika, Grčija in Malta)Za vsa denarna nakazila (razen za nakazila, opravljena na spletni strani ali v aplikaciji wu.com):
Western Union Payment Services Ireland Limited
 
Za denarna nakazila, opravljena na spletni strani ali v aplikaciji wu.com:
Western Union International Bank GmbH v sodelovanju z Western Union International Limited
Naslednja določba dopolnjuje del B, poglavje VII, podpoglavje 2:
2 Regulator in pritožbe.
2.1 Za vsa denarna nakazila (razen za nakazila,opravljena na spletni strani ali v aplikaciji wu.com):
(i) Regulator.
Centralna banka Irske Register ponudnikov plačilnih storitev pod številko C55075
(ii) Pritožbe. Če imate pritožbo v zvezi z našimi storitvami, nas kontaktirajte prek spletne strani www.westernunion.com/contact-us. Nato bomo: a) poslali pisno potrditev, da smo prejeli vašo pritožbo; (b) vas kontaktirali, če bomo potrebovali dodatne informacije glede vaše pritožbe; in (c) opravili temeljito preiskavo ter pripravili podroben odgovor na vašo pritožbo, vključno s pojasnilom naših odločitev, morebitnimi odškodninskimi ali popravnimi ukrepi in razlogi za naše odločitve. Če z našim odgovorom na svojo pritožbo ne boste zadovoljni, imate pravico pritožbo posredovati irskemu varuhu za finančne storitve in pokojnine (Financial Services and Pensions Ombudsman) na naslov 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Irska, po telefonu na +353 1 567 7000 ali po e-pošti na info@fspo.ie oziroma se obrnite na lokalni državni urad.
2.2 Za nakazila, izvedena prek spletne strani ali v aplikaciji wu.com:
(i) Regulator.
Organ za finančne trge (“FMA”).
(ii) Pritožbe. Če imate pritožbo v zvezi z našimi storitvami, nas kontaktirajte prek spletne strani www.westernunion.com/contact-us. Nato bomo: a) poslali pisno potrditev, da smo prejeli vašo pritožbo; (b) vas kontaktirali, če bomo potrebovali dodatne informacije glede vaše pritožbe; in (c) opravili temeljito preiskavo ter pripravili podroben odgovor na vašo pritožbo, vključno s pojasnilom naših odločitev, morebitnimi odškodninskimi ali popravnimi ukrepi in razlogi za naše odločitve. Če z našim odgovorom na svojo pritožbo ne boste zadovoljni, imate pravico pritožbo posredovati Skupnemu spravnemu odboru avstrijskega bančnega sektorja (Gemeinsame Schlichtungsstelle der österreichischen Kreditwirtschaft), Wiedner Hauptstraße 63, 1045 Dunaj.
JURISDICTIONWESTERN UNION ENTITY/PARTNERCOUNTRY SPECIFIC PROVISION
Države EGP, Združeno kraljestvo in TurčijaNova določba za del B, poglavje I:
5 Čas dostave.

Ob upoštevanju pogojev te pogodbe in izbrane storitve potrjujete, da bomo pri izvajanju nakazil uporabili razumno strokovnost in skrbnost ter jih izvedli v naslednjih časovnih okvirih po prejemu vašega plačila za naše storitve:
(1) Za nakazila z izplačilom na lokaciji: (i) običajno v nekaj minutah; (ii) kot vam je bilo sporočeno ob izvedbi nakazila (kar se lahko zgodi v nekaj urah po prejemu vašega plačila); ali (iii) takoj, ko to omogočijo naši partnerji in plačilna omrežja.
(2) Za nakazila z izplačilom na račun: (i) za izplačila v digitalne denarnice običajno v realnem času ali v 15 minutah; (ii) za izplačila na nedigitalne bančne račune običajno do konca naslednjega delovnega dne in najpozneje do konca četrtega delovnega dne.
Če prejmemo vaše plačilo zunaj delovnega časa, se lahko nakazilo obdela naslednji delovni dan. Preseganje omejitev zneskov, regulativne omejitve ali druge omejitve v določenih državah lahko povzročijo zamude pri nakazilih.
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