Speedpay® Service Terms and Conditions
E-Sign Disclosure And Consent Notice
THE WESTERN UNION® SPEEDPAY® SERVICE ("SERVICES") ARE PROVIDED
BY WESTERN UNION FINANCIAL SERVICES, INC.("WESTERN UNION" OR "US")
AND ARE SUBJECT TO APPLICABLE LAW. Additional information regarding the
Services may be obtained at www.westernunion.com
Typically, the receiver of Your Payment ("Receiver") will post Your payment
to Your account within two (2) business days after it has been processed by Us.
The amount charged to Your credit card or withdrawn from Your account (listed above
as "Total Payment Amount") includes the amount of Your Payment to the
Receiver and the Western Union Transfer Fee. Your bank or bank card issuer may also
assess fees or charges related to this transaction. If You have any questions regarding
this transaction, or wish to make corrections to the information listed above, please
contact Western Union at the address or telephone number listed below.
Revocation or Cancellation: Except as required by law, You may not cancel
a Payment once it has been charged to Your credit card or debited from Your bank
Refunds: Except as required by law, no refunds of the payment or the Western
Union Transfer Fee are available after Your credit card or bank account has been
charged or debited.
The following provision applies only to transactions from California:
RIGHT TO REFUND: "You, the customer, are entitled to a refund of the money to
be transmitted as the result of this agreement if Western Union does not forward
the money received from You within 10 days of the date of its receipt, or does not
give instructions committing an equivalent amount of money to the person designated
by You within 10 days of the date of the receipt of the funds from You unless otherwise
instructed by You. If Your instructions as to when the moneys shall be forwarded
or transmitted are not complied with and the money has not yet been forwarded or
transmitted You have a right to a refund of Your money. If You want a refund, You
must mail or deliver Your written request to Western Union at PO Box 6036, Englewood,
CO 80112. If You do not receive Your refund, You may be entitled to Your money back
plus a penalty of up to $1,000 and attorney’s fees pursuant to Section 2102 of the
California Financial Code."
LIMITATIONS OF LIABILITY: IN NO EVENT SHALL WESTERN UNION BE LIABLE FOR DAMAGES
WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR
OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transaction amount
and the transfer fee and except as provided in California Financial Code § 2102(c)),
UNLESS YOU HAVE OBTAINED A HIGHER LIABILITY LIMIT BY CALLING THE CUSTOMER SERVICE
NUMBER ABOVE AND PAYING AN ADDITIONAL FEE. IN NO EVENT SHALL WESTERN UNION OR ITS
AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY
OR PUNITIVE DAMAGES, OR THE LIKE.
WESTERN UNION WILL BE RESPONSIBLE FOR ACTING ONLY ON THOSE INSTRUCTIONS THAT ARE
PROPERLY TRANSMITTED THROUGH THIS WEBSITE AND ACTUALLY RECEIVED BY WESTERN UNION,
AND DOES NOT ASSUME RESPONSIBILITY FOR MALFUNCTIONS IN COMMUNICATIONS FACILITIES
NOT UNDER ITS CONTROL THAT MAY AFFECT THE ACCURACY OR TIMELINESS OF SUCH TRANSMISSIONS.
WESTERN UNION 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. WESTERN UNION
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
OTHER THAN OUR AGREEMENT WITH THE RECEIVER TO PROVIDE YOU ACCESS TO THE WESTERN
UNION SERVICE, WESTERN UNION IS NOT AFFILIATED WITH THE RECEIVER AND DOES NOT GUARANTEE
THAT ANY PAYMENTS YOU SEND TO THE RECEIVER SHALL BE ACCEPTED BY THE RECEIVER OR
SHALL BE PROPERLY CREDITED TO YOU BY THE RECEIVER. WESTERN UNION SHALL HAVE NO RESPONSIBILITY
OR LIABILITY WITH RESPECT TO ANY OBLIGATION OF RECEIVER TO YOU. YOU AGREE THAT WESTERN
UNION SHALL HAVE NO LIABILITY FOR THE WRONGFUL ACTS, NEGLIGENCE OR ERRORS OF THE
RECEIVER OR ANY THIRD PARTY ACTING AS AN AGENT OF THE RECEIVER, INCLUDING THE FAILURE
TO PROPERLY ACCOUNT FOR THE FUNDS YOU SEND TO THE RECEIVER.
If there are insufficient funds in Your bank account, or if Western Union does not
receive authorization from the bank card issuer or authorization from You to debit
Your bank account by ACH, the transaction will not be processed and funds will not
be transmitted to the Receiver. Western Union assumes no obligation to send the
money transfer or to complete the applicable money transfer transaction if Western
Union does not receive authorization from the bank card issuer, the financial institution
associated with Your bank account or ATM/debit card, or authorization from You to
debit Your bank account by ACH. Western Union does not assume any liability for
damages resulting from nonpayment of the money transfer or any failure to complete
any applicable transaction by reason of the foregoing, or other matters beyond its
RESOLUTIONS 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 www.namadr.com/downloads.cfm or by writing to 990 Stewart Ave., 1st Fl., Garden
City, NY, 11530 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.
Using an Account: Where available, Western Union may allow You to send money
from or to a bank, a prepaid or credit card, an electronic wallet, a biller, or
a similar account (collectively, "Accounts"). The bank or other provider
of an Account (the "Account Provider") may impose additional fees on an
Account. The agreement with the Account Provider governs use of an Account and provides
the rights and liabilities of the holder of an Account. Unless required by applicable
law, Western Union accepts no responsibility to You or any Account holder for any
fees imposed by an Account Provider. Services are for personal or individual use
only and not for use by or on behalf of any business or legal entity. Western Union
may use the Automated Clearing House ("ACH") network, book transfer, electronic
funds transfer, wire transfer or other methods to process transactions relating
to an Account. Western Union is not responsible for actions taken by the Account
Provider, such as improperly posting a transaction.
IMPORTANT NOTICE FOR USING ACCOUNTS: MAKE SURE THE ACCOUNT NUMBER AND ACCOUNT
PROVIDER DETAILS SELECTED ARE CORRECT BEFORE SENDING. IF THE ACCOUNT NUMBER OR ACCOUNT
PROVIDER DETAILS ARE INCORRECT, MONEY MAY BE DEBITED OR CREDITED TO THE WRONG ACCOUNT
AND MAY NOT BE RECOVERED.
Western Union may rely on information You provide and may rely solely on the Account
numbers and identifying numbers that You provide for identifying an Account and/
or Account Provider, regardless of whether or not You also provide the name of the
Account holder or the name of the Account Provider.
Transfers from Accounts: By initiating a transaction from an Account (an
"Account Funded Transaction"), You (i) affirm You are the owner of the
Account and have authority to initiate the transaction and (ii) authorize Western
Union to initiate electronic debits and credits to Your Account to process and correct
errors or if a transaction cannot be completed. Western Union may by law be liable
for damages caused by its failure to debit Your Account in accordance with these
terms and conditions, in the correct amount or in a timely manner when properly
instructed by You. However, Western Union will not be liable where: (1) You do not
have enough money available in Your Account; (2) Your Account is closed or withdrawals
restricted; (3) the transaction exceeds dollar or frequency limitations imposed
by Western Union or Your Account Provider; (4) circumstances beyond Western Union's
control (such as flood, fire, power outages, mechanical or system failures); (5)
Your Account Provider does not honor a transaction, the transaction is not processed
or the transaction is returned by Your Account Provider; (6) Your instructions are
lost or delayed in transmission to Western Union; (7) Western Union fails to process
your transaction because of a reasonable security concern or the Service option
has been discontinued or suspended, or Western Union otherwise advises You that
Your request will not be processed; and (8) other exceptions allowed by law.
Western Union Privacy Policies: Western Union may disclose Your personal
information to third parties as explained in the Western Union Privacy Statement;
to obtain a copy visit www.westernunion.com
or call 1-800-562-2598. Information disclosed may include Your financial background,
Your contact information, Your identification, information about Your transactions
with us and other information relating to financial matters. Recipients may include
financial institutions, retailers, our service providers, government agencies and
direct marketers. You may direct us to limit certain disclosures of Your information
to some of these parties. Your choice to limit certain disclosures will apply until
You tell us to change Your choice or we delete Your data from our systems. To limit
disclosures of Your information (opt out), call 1-800-562-2598.
For inquiries or comments, please write to:
WESTERN UNION FINANCIAL SERVICES, INC.
199 Water Street, 29th Floor, New York, NY 10038
E-Sign Disclosure and Consent Notice: You expressly agree with and consent
to the E-Sign Disclosure and Consent Notice attached to these terms and conditions.
General: This agreement, together with all items incorporated by reference,
embodies the entire understanding among the parties. It supersedes all prior understandings
and cannot be modified orally. Subject to applicable law, Western Union may assign
this agreement to a third party without Your consent. This agreement is governed
by Colorado law without regard to conflicts of law rules. If an agreement provision
is found invalid, remaining provisions shall be valid. Services are directed solely
to persons 18 and over. The English language version controls if there is an inconsistency
between English and non-English agreement versions. You represent that Your use
of Services does not violate this Agreement or any law, including, without limit,
laws relating to money laundering, illegal gambling activities, support for terrorist
activities or fraud. Information You provide Western Union shall be truthful and
complete. You shall indemnify Western Union and its Agents for all losses of any
kind (including attorney fees) arising out of any Agreement breach by You or Receiver.
Western Union reserves the right to change Services without notice. Western Union
and its Agents may refuse to provide Services to any person.
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
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:
We may request that you respond to an email to demonstrate you are able to receive
- 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.
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.