Speedpay® Service Terms and Conditions
E-Sign Disclosure And Consent Notice
THE SPEEDPAY® SERVICE IS SUBJECT TO
THE FOLLOWING TERMS AND CONDITIONS:
These Terms and Conditions ("Terms and Conditions") are in effect for
all Speedpay® transactions processed though this Speedpay payment website ("Website")
on or after March 7th, 2014 and apply to and govern Your access to and use of this
Website and the Speedpay Service ("Service").
Do not use or access this Website or Service if You do not agree to be bound by these
Terms and Conditions. It is also important to carefully review the information
concerning REFUNDS below. Speedpay may amend these Terms and Conditions at any time
by posting the amended terms on the Website, and all amended terms shall be effective
immediately after they are posted to the Website.
As used in these Terms and Conditions, the term "Payor" means a user of
this Website, located in the U.S., who is making a payment to the Payee. The terms
"Speedpay" "we", "our" or "us" refer to
Speedpay, Inc. The term "Payee" refers to the receiver of Your payment,
generally a business that is a client of Speedpay that has authorized Speedpay to
process payments from its customers. The terms "You" and "Your"
may be used to refer to the Payor. The term "bank account" means a checking
account, savings account, or money market account established in Your name at a
bank or other financial institution. The term "bank card" means a U.S.
issued American Express®, Discover®, Visa® or MasterCard® credit
card ("credit card") or an ATM/debit card issued by or through a financial
institution located in the U.S ("ATM/debit card"). Your payee may offer
one or more bank card options. You may only designate bank accounts or bank cards
held in Your name for debiting or charging to make a payment. Speedpay may
charge a transaction fee ("Convenience Fee") for each payment made through
the Service. If a Convenience Fee is charged, it will be disclosed to You prior
to making a payment and You will be given the option of not proceeding with the
payment transaction if You do not wish to pay the Convenience Fee. If Speedpay charges
a Convenience Fee for Your payment, then we will only process the transaction if
You agree to pay the Convenience Fee. Speedpay reserves the right to discontinue
the Service at any time. The term, "business day," means Monday through
Friday, except for holidays.
You represent, warrant and certify to Speedpay that Your use of the Service shall
not in any way, directly or indirectly, (a) violate any law, statute, ordinance,
contract or regulation, including but not limited to any law, statute, ordinance,
contract or regulation relating to money laundering, illegal gambling activities,
support for terrorist activities, fraud or theft; and/or (b) violate any of these
Terms and Conditions of use. When required by applicable law, Your Speedpay Service
transactions will be reported to federal, state, local or foreign authorities. In
addition, Speedpay will cooperate with law enforcement in the prosecution of illegal
activities to the fullest extent permitted by applicable law. You will be required
to provide Speedpay with certain information to allow Speedpay, among other things:
to verify Your identity; to receive appropriate authorization; and to complete the
transaction. Speedpay is not an escrow service provider and You agree that You will
not use the Service for escrow purposes. You agree that the information You provide
is not false, inaccurate or misleading. Please refer to Speedpay's for information
concerning Speedpay's use of Your information.
2. METHODS OF PAYMENT.
With the authorization You provide through this Website ("Authorization"),
we will charge your credit card or debit the bank account You have designated (either
via one of the debit card networks by using Your ATM/debit card or via the Automated
Clearing House ("ACH") electronic payment system). Depending on the payment
options permitted by the Payee, You may schedule either one time or recurring payments.
The payment screen(s) You access for Your Payee will indicate which payment options
are available. Pursuant to the information and Authorization, we will charge your
credit card or we will debit the bank account You have designated at the time and
in the manner You have authorized (either ATM/debit card or ACH) to make payment
to the Payee. We will process Your payment to the Payee through an ACH credit to
the Payee's designated bank account, together with the transaction information pertaining
to Your payment. Each time You use the Service You agree that Speedpay is authorized
to charge your credit card or debit Your designated bank account for the amount
of Your payment and any Convenience Fee that You have agreed to pay and any other
applicable fees. You agree not to make a payment that exceeds Your limits on Your
bank card account, transfer limits, or the balance of Your bank account (including
any overdraft allowances by Your financial institution). Your agreement with Your
bank card issuer and/or financial institution where you have Your bank account governs
use of Your bank card and/or bank account, and You must refer to that agreement
to ascertain Your rights and liabilities as an account holder or cardholder (which
for a credit charge may include a "cash advance" fee).
3. TRANSACTION LIMITS.
Speedpay reserves the right to limit the maximum amount of a payment, or to reject
a proposed payment, in its sole discretion.
4. FEES AND PAYMENT.
Timing of Payments. You should authorize Your payment at least two (2) business
days before Your payment due date. Typically payments made using Your credit card
or ATM/debit card will be charged or debited on the day we receive Your Authorization.
Typically payments made by ACH will be debited from Your bank account on the business
day following Your Authorization. If we receive Your Authorization on a business
day prior to the scheduled cutoff time, we will process Your payment to the Payee
on the same business day. If we receive Your Authorization on a day which is not
a business day or after the day’s scheduled cutoff time, we will process Your payment
to the Payee on the next business day. For a recurring payment, if You schedule
a payment on a date which is not a business day, then we will process the payment
on the next business day thereafter. Unless the Payee has indicated that it will
post sooner, the Payee will usually post Your payment no later than two (2) business
days after it has been processed by us.
Fees. In consideration for the use of the Speedpay Service, You may have
to pay to Speedpay a Convenience Fee for each Speedpay Service transaction initiated
by You. If a Convenience Fee applies, then the applicable Convenience Fee for Your
transaction will be disclosed to You prior to Your final Authorization of the transaction.
We will only charge You the Convenience Fee with Your Authorization. If You elect
to proceed with a transaction, we will charge Your credit card or debit Your bank
account in the manner You have authorized (either ATM/debit card or ACH) for the
amount of the payment to the Payee plus the amount of any applicable Convenience
Payment. If Speedpay does not receive authorization from the bank card issuer
or Authorization from You to debit Your bank account by ACH for the amount of the
Convenience Fee, if any, plus the amount of the payment to the Payee, the transaction
will not be processed and payment to the Payee will not be completed.
NSF; Additional Fees or Charges. You agree if there are insufficient funds
("NSF") in Your bank account to cover a requested transaction, or if Your
bank or bank card issuer rejects a debit for any other reason, the transaction will
be cancelled and Your payment will be reversed. If this occurs, You may be liable
to the Payee for interest, late fees and other charges. You may also be liable for
any fees charged by the financial institution where You have Your bank account or,
with respect to Your bank card, by the financial institution that issued You the
5. REVOCATION OR CANCELLATION.
You may not cancel a payment once Your bank card has been charged or Your bank account
has been debited. If You schedule recurring payments, You may revoke Your Authorization
only by contacting Customer Service at the number below or writing us at the email
address below, in time for us to receive Your request 3 business days or more before
the payment is scheduled to be made. If You call, we may also require You to put
Your request in writing and get it to us within 14 days after You call. In addition,
if You schedule recurring payments made from Your bank account via a debit network
by using Your ATM/debit card or via ACH, please carefully review the information
concerning PREAUTHORIZED PAYMENTS below.
No refunds of principal or the Convenience Fee are available once Your bank card
has been charged or Your bank account has been debited, unless we processed a payment
in error. Please call the Payee if You have questions concerning amounts posted
to Your account with the Payee.
7. LIMITATION OF LIABILITY.
IN NO EVENT SHALL SPEEDPAY BE LIABLE FOR DAMAGES, INCLUDING FOR DELAY, NONDELIVERY,
NONPAYMENT OR UNDERPAYMENT OF ANY SPEEDPAY SERVICE TRANSACTION, WHETHER CAUSED BY
NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND
THE SUM OF $500 (IN ADDITION TO REFUNDING ANY SERVICE FEE FOR THE AFFECTED TRANSACTION,
AND THE PAYMENT AMOUNT, IF ANY, HELD BY SPEEDPAY), UNLESS THE PAYOR HAS OBTAINED
A HIGHER LIABILITY LIMIT BY CALLING THE TELEPHONE NUMBER SET OUT AT THE BOTTOM OF
THESE TERMS AND CONDITIONS AND PAYING AN ADDITIONAL CHARGE THEREFOR. IN NO EVENT
WILL SPEEDPAY BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY
OR PUNITIVE DAMAGES OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED
SPEEDPAY WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE PROPERLY
TRANSMITTED THROUGH THIS WEBSITE AND ACTUALLY RECEIVED BY SPEEDPAY, AND DOES NOT
ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES NOT UNDER ITS
CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS. SPEEDPAY
IS NOT RESPONSIBLE FOR ANY LOSSES OR DELAYS IN TRANSMISSION OF INSTRUCTIONS ARISING
OUT OF THE USE OF ANY INTERNET ACCESS SERVICE PROVIDER OR CAUSED BY ANY BROWSER
OR OTHER SOFTWARE OR OTHER CIRCUMSTANCES BEYOND ITS CONTROL. SPEEDPAY IS NOT RESPONSIBLE
SHOULD YOU PROVIDE INCORRECT INFORMATION OR IF YOUR PAYMENT INSTRUCTIONS ARE NOT
GIVEN SUFFICIENTLY IN ADVANCE TO ALLOW FOR TIMELY PROVISION OF THE SERVICES YOU
OTHER THAN OUR AGREEMENT WITH THE PAYEE TO PROVIDE YOU ACCESS TO THE SPEEDPAY SERVICE,
SPEEDPAY IS NOT AFFILIATED WITH THE PAYEE AND DOES NOT GUARANTEE THAT ANY PAYMENTS
YOU ATTEMPT TO MAKE TO THE PAYEE SHALL BE ACCEPTED BY THE PAYEE OR SHALL BE PROPERLY
CREDITED TO YOU BY THE PAYEE. SPEEDPAY SHALL HAVE NO RESPONSIBILITY OR LIABILITY
WITH RESPECT TO ANY OBLIGATION OF PAYEE TO YOU. YOU AGREE THAT SPEEDPAY SHALL HAVE
NO LIABILITY FOR THE WRONGFUL ACTS, NEGLIGENCE OR ERRORS OF THE PAYEE OR ANY THIRD
PARTY ACTING AS AN AGENT OF THE PAYEE, INCLUDING THE FAILURE TO PROPERLY ACCOUNT
FOR THE PAYMENT YOU MAKE TO THE PAYEE.
8. RESOLUTION OF DISPUTES.
Unless You opt out as set forth below, any dispute arising from or relating to this
transaction shall be resolved by final and binding arbitration. The arbitrator shall
also decide what is subject to arbitration. The arbitration will be administered
by National Arbitration and Mediation ("NAM") under its Comprehensive
Dispute Resolution Rules and Procedures, which are available at or at 1-800-358-2550
and explain how to initiate arbitration. You will be responsible for up to $125
of the administration fees. Western Union may reduce this amount if you demonstrate
hardship. This agreement is governed by the Federal Arbitration Act, and any award
shall be subject to judicial confirmation. Any arbitration shall take place on an
individual basis; class actions or arbitrations are not permitted.
If any part of this paragraph is deemed invalid, it shall not invalidate the other
parts. If NAM is unavailable, the parties or a court will select another arbitrator.
You may opt out of arbitration within 30 days after initiating a transaction by
calling 1-800-325-6000. IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL
BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.
You agree to indemnify, defend and hold harmless Speedpay, and all its officers,
directors, owners, agents, employees, affiliates, licensors, licensees and third
party service providers (collectively, the "Indemnified Parties") from
and against any and all losses, damages, liabilities, and claims and all fees, costs,
expenses of any kind related thereto (including, without limitation, reasonable
attorneys fees) incurred by the Indemnified Parties in connection with any claim
arising out of, based upon or resulting from (i) Your access to and/or use of the
Website or Speedpay Services; and/or (ii) Your breach or violation of the Terms
and Conditions. Speedpay reserves the right, at its own expense, to assume the exclusive
defense and control of any matter otherwise subject to indemnification by You. You
shall not in any event settle any matter without the written consent of Speedpay.
10. INTELLECTUAL PROPERTY.
The Website, the Speedpay Service, the content, and all intellectual property pertaining
thereto and contained therein (including but not limited to copyrights, patents,
database rights, trademarks and service marks) are owned by Speedpay or third parties,
and all right, title and interest therein and thereto shall remain the property
of Speedpay and/or such other third parties. The Website and the Speedpay Service
may be used only for the purpose permitted by these Terms and Conditions. You are
authorized solely to view and retain a copy of the pages of the Website for Your
own personal, non-commercial use. You agree that You may not duplicate, publish,
modify, create derivative works from, participate in the transfer of, post on the
World Wide Web, or in any way distribute or exploit the Website, the Speedpay Service
or any portion thereof for any public or commercial use without the express written
consent of Speedpay. You further agree not to: (i) use any robot, spider, scraper
or other automated device to access the Website and/or Speedpay Service; and (ii)
remove or alter any copyright, trademark or other proprietary notice or legend displayed
on the Website (or printed pages thereof). The name Speedpay and other names and
indicia of ownership of Speedpay's Speedpay Service are the exclusive marks of Speedpay
or other third parties. Other product, service and company names appearing on the
Website may be trademarks of their respective owners.
11. LINKS TO OTHER SITES.
The Website may contain links and pointers to other World Wide Web Internet sites
and resources (the "Linked Sites"). Links to any Linked Site do not constitute
an endorsement by or association with Speedpay or any of its affiliates to any third
party resources or their contents. Links do not imply that Speedpay is affiliated
or associated with or is legally authorized to use any trademark, trade name, logo
or copyright symbol displayed in or accessible through the links, or that any Linked
Sites are authorized to use any trademark, trade name, logo or copyright symbol
of Speedpay or any of its affiliates. You should direct any concerns regarding any
Linked Site to such Linked Site's site administrator or webmaster. Speedpay does
not represent or endorse the accuracy or reliability of, and expressly disclaims,
any advice, opinion, statement, or other information displayed or distributed through
any Linked Site. You agree that reliance upon any opinion, advice, or information
displayed on or otherwise available through any Linked Site shall be at Your sole
12. THIRD-PARTY USE OF SERVICES.
The Service shall only be used by customers of Payees. Third-party commercial payment
aggregators (or any other entities submitting Service transactions or other payments
on behalf of Payor-customers) may not submit Service transactions, or otherwise
use the Services or Website. By conducting a Service transaction, You represent
and warrant that: (i) You are a customer of Payee, (ii) that You are submitting
the Service transaction on Your own behalf, or as an employee, owner or principal
of the Payor-customer, and (iii) that You are not using the Service or Website under
a claim of agency or other third-party relationship on behalf of a Payor-customer.
You hereby agree to indemnify Us for all interchange fees and merchant fees, and
all other costs and fees associated with processing a Service transaction in violation
of this Section. You further agree to indemnify us for all other damages, costs,
fees, expenses, and reasonable attorney fees incurred by us arising out of, or related
to, Your breach of this Section.
These Terms and Conditions, together with all other items incorporated herein by
reference, embody the entire agreement and understanding between You and Speedpay
regarding the Website and the Speedpay Service and supercede all prior agreements
or understandings You have with Speedpay. Speedpay has the right to assign these
Terms and Conditions to a subsidiary or affiliate company, or any third party, at
any time without Your consent. You may not assign or transfer these Terms and Conditions
without Speedpay's prior written consent. If any one or more of these Terms and
Conditions shall for any reason be held to be invalid, illegal or unenforceable,
the remaining provisions shall remain valid and enforceable. Your access to and
use of the Website and Speedpay Services is governed by Colorado law, without regard
to its rules regarding conflicts of law. The Website and Speedpay Services are directed
to persons age 13 and over residing in the U.S. The Website and Service are not
intended for distribution to, or use by, any person or entity in any jurisdiction
or country where such distribution or use would be contrary to law or regulation.
We reserve the right to limit, condition, modify or refuse access to the Service
or Website to any person or entity.
SPECIAL INFORMATION FOR PAYMENTS MADE FROM YOUR BANK ACCOUNT
(VIA A DEBIT NETWORK BY USING YOUR ATM/DEBIT CARD OR VIA ACH)
A. ERROR RESOLUTION.
ALL QUESTIONS ABOUT YOUR SERVICE TRANSACTION MUST BE DIRECTED TO US, AND NOT TO
THE BANK OR OTHER FINANCIAL INSTITUTION WHERE YOU HAVE YOUR ACCOUNT. We are responsible
for the Service and for resolving any errors in transactions made with the Service.
The transactions will appear only on the statement issued by Your bank or other
financial institution. SAVE THE RECEIPTS YOU ARE GIVEN WHEN YOU USE THE SERVICE,
AND CHECK THEM AGAINST THE ACCOUNT STATEMENT YOU RECEIVE FROM YOUR BANK OR OTHER
In case of errors or questions about Your Service transaction, contact the Customer
Service number below as soon as You can if You think Your bank account statement,
ATM/debit card account statement, or receipt is wrong or if You need more information
about a transaction listed on Your statement or receipt. We must hear from You no
later than 90 days after Your financial institution sends You the first statement
on which the problem or error appeared (this time period is subject to extension
if a delay results from Your initial attempt to notify Your financial institution
rather than us). (1) Tell us Your name and Your bank account number and/or ATM/debit
card account number; (2) Describe the error or payment You are unsure about, and
explain as clearly as You can why You believe it is an error or why You need more
information; and (3) Tell us the dollar amount of the suspected error. If You tell
us orally, we may require that You send us Your complaint or question in writing
within 10 business days. We will determine whether an error occurred within 10 business
days after we hear from You and will correct any error promptly. If we need more
time, however, we may take up to 45 days to investigate Your complaint or question.
If we decide to do this, and if the transaction in question was made by a debit
to Your bank account and/or ATM/debit card account, we will credit Your bank account
and/or ATM/debit card account within 10 business days for the amount You think is
in error, so that You will have the use of the money during the time it takes us
to complete our investigation. If we ask You to put Your complaint or question in
writing and we do not receive it within 10 business days, we may not credit Your
account. We will tell You the results within three business days after completing
our investigation. If we decide that there was no error, we will send You a written
explanation. You may ask for copies of the documents that we used in our investigation.
B. LIABILITY FOR UNAUTHORIZED DEBITS TO YOUR BANK ACCOUNT AND/OR ATM/DEBIT CARD
Tell us AT ONCE by contacting Customer Service at the number below or email address
below if You believe someone has used or may use the Service without Your permission
to authorize a debit to Your bank account or to Your ATM/debit card account. You
should also contact Your financial institution and/or ATM/debit card issuer. Calling
immediately is the best way to keep Your possible losses down. You could lose all
the money in Your bank account and/or ATM/debit card account (plus Your maximum
overdraft line of credit). If You tell us within 4 business days after You learn
of an unauthorized Speedpay debit from Your bank account and/or ATM/debit card account,
You can lose no more than $50 if someone used the Service to authorize a debit to
Your bank account or to Your ATM/debit card account without Your permission. If
You do NOT tell us within 4 business days after You learn of an unauthorized Speedpay
debit from Your bank account and/or ATM/debit card account, and we could have prevented
the loss, You could lose as much as $500. Also, if Your bank account and/or ATM/debit
card account statement shows any unauthorized Speedpay debits that You did not make,
tell us at once. If You do not tell us within 90 days after the statement was mailed
to You and we could have prevented the loss, You may not get back any money You
lost after the 90 days. If You had a good reason (such as a long trip or a hospital
stay) for not telling us within 90 days, we will extend the time period.
Payments and fees will be listed as payment to the Payee on Your ATM/debit card
account statement and/or Your bank account statement. A confirmation receipt will
be made available to You on this Website after You submit Your payment information.
You should print and retain a copy of the confirmation or copy it to Your hard drive
for Your records. You may also contact Customer Service at the number below at anytime
to learn of Speedpay debits to Your bank account and/or ATM/debit card account.
We will not send You a periodic statement listing transactions that You make using
the Service. The transactions will appear only on the statement issued by Your financial
institution. If You have any questions about one of these transactions, contact
D. PREAUTHORIZED PAYMENTS.
Notice of Varying Amounts. If You have told us in advance to make regular
payments out of Your account and these regular payments may vary in amount, we will
tell You, 10 days before each payment, when it will be made and how much it will
Liability for Failure to Stop Payment of Preauthorized Transfer. If You order
us to stop one of these payments 3 business days or more before the payment is scheduled,
and we do not do so, we will be liable for your losses or damages.
We will disclose information to third parties about Your account or the payments
You make in accordance with our .
F. OUR LIABILITY.
If we fail to charge or debit Your account in accordance with these Terms and Conditions
in the correct amount or in a timely manner when properly instructed by You, we
will be liable for certain losses proximately caused by our failure as the law may
impose in such cases. However, there are some exceptions. For example, we will not
be liable: (1) If there are insufficient funds in Your bank account or ATM/debit
card account; (2) If Speedpay does not receive authorization from the bank card
issuer or Authorization from You to debit Your bank account by ACH; (3) If You decline
to authorize the payment of an applicable Speedpay Convenience Fee; or (4) If circumstances
beyond our control prevent the transaction, despite reasonable precautions that
we have taken. In addition, there may be other exceptions in our agreement with
You. Under such circumstances, Speedpay assumes no obligation to complete a transaction
or process the payment for You or the Payee. You agree that Speedpay shall not be
liable for damages resulting from nonpayment to Payee or any failure to complete
any applicable transaction by reason of the foregoing, or other matters beyond its
For telephone inquiries or comments, please call Customer Service at: (866) 812-7820.
E-Sign Disclosure and Consent Notice
This E-Sign Disclosure and Consent Notice ("Notice") applies to all communications,
as defined below, for the Service Under this Notice, communications you receive
in electronic form from us will be considered "in writing."
By using the Services ("Electronic Services") you hereby consent to this
Notice and affirm that you have access to the hardware and software requirements
identified below. In addition, you must review and accept the terms of these services.
If you choose not to consent to this Notice or you withdraw your consent, you will
be restricted from using Electronic Services.
May include, but are not limited to, disclosures and communications we provide to
you regarding our services such as: (i) terms and conditions, privacy statement
or notices and any changes thereto; (ii) pre-payment disclosures, transaction receipts
and confirmations; and (iii) customer service communications (such as claims of
error communications) ("Communications").
METHODS OF PROVIDING COMMUNICATIONS
We may provide Communications to you by email or by making them accessible on the
Western Union websites, mobile applications, or mobile websites (including via "hyperlinks"
provided online and in e-mails). Communications will be provided online and viewable
using browser software or PDF files.
HARDWARE AND SOFTWARE REQUIREMENTS
To access and retain electronic Communications, you must have:
A valid email address;
A computer, mobile, tablet or similar device with internet access and current browser
software and computer software that is capable of receiving, accessing, displaying,
and either printing or storing Communications received from us in electronic form;
Sufficient storage space to save Communications (whether presented online, in e-mails
or PDF) or the ability to print Communications.
We may request that you respond to an email to demonstrate you are able to receive
HOW TO WITHDRAW YOUR CONSENT
You may withdraw your consent to receive Communications under this Notice by writing
to us at "Attn: E-Sign Disclosure and Consent Notice, PO Box 6036, Englewood,
CO USA 80112," or by contacting us via the "Contact Us" link at westernunion.com.
Your withdrawal of consent will cancel your agreement to receive electronic Communications,
and therefore, your ability to use our Electronic Services.
REQUESTING PAPER COPIES OF ELECTRONIC COMMUNICATIONS
You may request a paper copy of any Communications; we will mail you a copy via
U.S. Mail. To request a paper copy, contact us by writing to "Attn: E-Sign
Disclosure and Consent Notice, PO Box 6036, Englewood, CO USA 80112," or by
contacting us via the "Contact Us" link at westernunion.com. Please provide
your current mailing address so we can process this request. Western Union may charge
you a reasonable fee for this service.
UPDATING YOUR CONTACT INFORMATION
It is your responsibility to keep your primary email address current so that Western
Union can communicate with you electronically. You understand and agree
that if Western Union sends you a Communication but you do not receive it because
your primary email address on file is incorrect, out of date, blocked by your service
provider, or you are otherwise unable to receive electronic Communications, Western
Union will be deemed to have provided the Communication to you; however, we may
deem your account inactive. You may not be able to transact using our Online Services
until we receive a valid, working primary email address from you.
If you use a spam filter or similar software that blocks or re-routes emails from
senders not listed in your email address book, we recommend that you add Western
Union to your email address book so that you can receive Communications by e-mail.
You can update your primary email address or other information by writing to us
at "Attn: E-Sign Disclosure and Consent Notice, PO Box 6036, Englewood, CO
USA 80112," or by contacting us via the "Contact Us" link at westernunion.com.
You acknowledge and agree that your consent to electronic Communications is being
provided in connection with a transaction affecting interstate commerce that is
subject to the federal Electronic Signatures in Global and National Commerce Act,
and that you and we both intend that the Act apply to the fullest extent possible
to validate our ability to conduct business with you by electronic means.
We reserve the right, in our sole discretion, to discontinue the provision of your
Communications, or to terminate or change the terms and conditions on which we provide
Communications. We will provide you with notice of any such termination or change
as required by law.