Terms and Conditions
E-Sign Disclosure And Consent Notice
THE RETAIL MONEY TRANSFER SERVICE ("SERVICE") IS PROVIDED BY WESTERN UNION
FINANCIAL SERVICES, INC. ("WESTERN UNION" OR "US") AND IS SUBJECT TO
THESE TERMS AND CONDITIONS AND APPLICABLE LAW. Additional information regarding the
Services may be obtained at www.westernunion.com.
Each bill payment conducted through the Service is a money transfer performed by
Western Union ("Payment") on behalf of you, the sender, of that
money transfer ("You" or "Your"). 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Your credit card or withdrawn from Your account (listed above as "Total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 the Payment. Western Union
is not involved in the administration or collection of Your account
with the Receiver, nor is Western Union involved or associated with
the goods and/or services provided by Receiver. If You have any
questions regarding Your Payment, or wish to make corrections to
the information listed above, please contact Western Union at
the address or telephone number listed below.
Cancellations and Refunds: 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 account. 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 Payment 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 Payment 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 WILL BE ACCEPTED BY THE RECEIVER OR
BE PROPERLY CREDITED TO YOU BY THE RECEIVER. WESTERN UNION SHALL HAVE NO RESPONSIBILITY
OR LIABILITY FOR RECEIVER'S OBLIGATIONS TO YOU. YOU AGREE THAT WESTERN UNION SHALL
HAVE NO LIABILITY FOR THE WRONGFUL ACTS, NEGLIGENCE OR ERRORS OF THE RECEIVER
(OR RECEIVER’S AGENTS), INCLUDING THE FAILURE TO PROPERLY POST YOUR PAYMENT.
WESTERN UNION IS NOT INVOLVED IN THE COLLECTION OF YOUR DEBT.
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 Payment 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 Payment 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 Payment by reason of the foregoing,
or other matters beyond its control.
RESOLUTIONS OF DISPUTES: Unless You opt out as set forth below, any dispute
arising from or relating to this Payment 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 Payment 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, including cash advance fees. Your agreement with the Account Provider
governs Your use of an Account and sets forth Your rights and liabilities as
Account 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 Payment
transactions relating to an Account. Western Union is not responsible for
actions taken by the Account Provider, such as improperly posting a transaction.
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.
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.
Transfers from Accounts: By initiating a Payment transaction from an Account,
You (i) affirm You are the owner of the Account and have authority to initiate the
Payment transaction and (ii) authorize Western Union to initiate electronic debits
and credits to Your Account to process and correct errors or if a Payment 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 Payment 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 Payment transaction, the Payment
transaction is not processed or the Payment 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 Payment 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
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.
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 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 may refuse to provide Services to any person.
For questions, inquiries or comments please contact Western Union at 1-800-325-6000,
or P.O. Box 6036, Englewood, CO 80112.
©2015 Western Union Holdings, Inc. All other logos, trademarks, service marks and trade names
referenced in this material are the property of their respective owners.
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.