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"). 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.

1. COMPLIANCE.

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 Online Privacy Statement 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 Fee.

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 bank card.

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.

6. REFUNDS.

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 ORALLY.

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 REQUESTED.

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.

9. INDEMNITY.

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 risk.

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.

13. MISCELLANEOUS.

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 FINANCIAL INSTITUTION.

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 ACCOUNT.

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.

C. DOCUMENTATION/INFORMATION.

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 Customer Service.

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 be.

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.

E. CONFIDENTIALITY.

We will disclose information to third parties about Your account or the payments You make in accordance with our Online Privacy Statement.

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 control.

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.

COVERED COMMUNICATIONS

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 these Communications.

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.

FEDERAL LAW

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.

TERMINATION/CHANGES

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.

 
       
 
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