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Terms and Conditions

In the event there is any inconsistency between the English version of the westernunion.com website and the Spanish version, the English version shall be binding.

Western Union® Terms and Conditions

Western Union Money Transfer® Service Terms and Conditions

WESTERN UNION MONEY TRANSFER - MONEY TRANSFER SERVICE


Fees, Payment and Currency Exchange

Refunds

Right to Refund (California)

Special Services

Administration Charge

Resolution of Disputes

Limitation of Liability

Indemnity

Electronic Delivery of Future Disclosures

Intellectual Property

Links to Other Sites

Miscellaneous
WESTERN UNION MONEY TRANSFER SERVICE - TO MEXICO


Fees, Payment and Currency Exchange

Refunds

Right to Refund (California)

Special Services

Administration Charge

Resolution of Disputes

Limitation of Liability

Indemnity

Electronic Delivery of Future Disclosures

Intellectual Property

Links to Other Sites

Miscellaneous
THE WESTERN UNION MONEY TRANSFER® - MONEY TRANSFER SERVICE (OTHER THAN TO MEXICO) IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:

Note: The Terms and Conditions ("Terms and Conditions") below are in effect for all westernunion.com transactions on or after 28th of August, 2006. The Terms and Conditions set forth below describe the terms and conditions that apply to and govern Your access to and use of the Western Union website and Services (as defined below). Do not use or access the Western Union website or Services if You do not agree to be bound by such Terms and Conditions.

THE WESTERN UNION MONEY TRANSFER SERVICE.

A Western Union Money Transfer® consumer that is located in the U.S. (the "Sender") may send a money transfer to be picked up by a designated recipient (the "Receiver") at a Western Union Agent location around the world (other than Mexico) through the westernunion.com website (the "Service(s)") using a U.S. issued Visa® or MasterCard® credit card or debit card issued by or through a financial institution located in the U.S. ("bank card"). "You" or "Your" may be used to refer to the Sender and/or the Receiver depending on the context in which it is used. Money transfers will normally be paid to the Receiver in cash, check or a combination thereof, or in select U.S. Agent locations, with a Western Union® payout card (which permits the Receiver to withdraw money from select ATMs) subject to currency availability and the conditions applicable to the selected payment location. Money transfers are usually available for pick up by the Receiver promptly after validation of Your information which may take up to 24 hours, on a "Will Call" basis, at Western Union Agent locations in the destination country (subject to the hours of operation that the Agent location offers the Service). Certain money transfer services, transfers that exceed certain principal amounts, and/or transfers to certain destinations may take longer or be subject to additional restrictions. Receivers receiving funds in the form of a check or payout card may incur additional fees to access their funds. The Receiver must present a valid form of identification in accordance with Western Union policies. Sender and Receiver represent, warrant and certify to Western Union that its and their use of the Services 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 the Terms and Conditions of use. When required by applicable law, money transfers will be reported to federal, state, local or foreign authorities. In addition, Western Union 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 Western Union with certain information to allow Western Union, among other things: to verify Your identity; to receive appropriate bank card authorization; and to complete the transaction. Western Union is not an escrow service provider and You agree that You will not use Western Union Services for escrow purposes. You agree that the information You provide is not false, inaccurate or misleading. Please contact Western Union at the customer service telephone number listed below to obtain information regarding the conditions applicable to the Service You have selected or Your expected payment location. Please refer to Western Union's Online Privacy Statement for information concerning Western Union's use of this information. It is important to carefully review the information concerning REFUNDS and CURRENCY EXCHANGE. Western Union may amend these Terms and Conditions at any time by posting the amended terms on the Western Union website, and all amended terms shall be effective immediately after they are posted to the website.

FEES, PAYMENT AND CURRENCY EXCHANGE.

Fees. In consideration for the use of the Service, You agree to pay to Western Union a fee for each money transfer initiated by You at the applicable rate then in effect (the "transfer fee"). The applicable transfer fee for Your transaction will be provided to You prior to Your final authorization of the transaction, in addition to any applicable fees for additional services.

CURRENCY EXCHANGE. IN ADDITION TO THE TRANSFER FEE, WESTERN UNION ALSO MAKES MONEY WHEN IT CHANGES YOUR DOLLARS INTO FOREIGN CURRENCY. Payments will generally be in local currency (except that in certain countries payment may be in U.S. dollars or other alternate currency at participating locations). In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. United States currency is converted to foreign currency at an exchange rate set by Western Union. Any difference between the rate given to Customers and the rate received by Western Union will be kept by Western Union (and its Agents in some cases) in addition to the transfer fees. Please ask a customer service representative for information concerning the currency exchange rate applicable to your transaction. You may also find out the current foreign exchange rate provided by Western Union to its customers by calling toll-free to 1-800-325-6000.

The transfer fees and the money that Western Union (or its Agents) makes when it changes your dollars into foreign currency may vary based on the payout currency that you select. Some Western Union Agents may offer Receivers the choice to receive funds in a currency different from the one you selected. In such instances, Western Union (or its Agents) may make additional money when it changes your funds into the currency selected by the Receiver. If you choose a payout currency different from the national currency of the country to which you are sending money, the payout currency you choose may not be available at all Western Union Agent locations in that country, or may not be available in small enough denominations to pay all of your money transfer. In such cases, the paying Agent may pay all or part of your transfer in the national currency.

Payment. Transfer fees and the principal amount are due and payable before Western Union processes the transaction. You must pay for the Service by bank card. If Western Union does not receive authorization from the bank card issuer, the transaction will not be processed and funds will not be transmitted to the Receiver. Each time You use the Service You agree that Western Union is authorized to charge Your designated bank card account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with Your bank card issuer governs use of Your bank card, and You must refer to that agreement to ascertain Your rights and liabilities as a cardholder, which may include a "cash advance" fee.)

REFUNDS.

REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by Western Union. REFUNDS OF TRANSFER FEES will be made upon written request of the Sender if the money transfer is not available to the Receiver within the time specified by Western Union for the selected service, subject to the hours of operation that the Service is offered at the Agent location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.

RIGHT TO REFUND (CALIFORNIA).

The following provision applies only to money transfers originating in California for transmission to foreign countries:

"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 Financial Services, Inc. at P.O. Box 4430, Bridgeton, MO 63044. 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 1810.5 of the California Financial Code."

SPECIAL SERVICES (Not available with all Western Union Services).

Generally, TEST QUESTIONS may be used if the principal amount of the money transfer does not exceed $999.99. In the U.S. and many destinations outside the U.S., a money transfer that includes a Test Question will be paid to the Receiver if the Receiver can provide the correct answer to the Test Question OR can provide valid identification. For certain destinations outside the U.S., a Test Question is required to be provided for some or all money transfers to that destination, and in those destinations, the Receiver may be required to provide either proper identification or the correct answer to the Test Question, or both, to receive payment. Please contact Western Union at the customer service telephone number listed below for current information regarding the availability of Test Questions for Your selected destination. TELEPHONE NOTIFICATION to the Receiver that the money transfer is available for pick up is offered for an additional fee in the U.S. and certain destinations outside the U.S. MESSENGER DELIVERY of a money transfer check is available to select destinations outside the U.S. for an additional fee (not available in the U.S.). SUPPLEMENTAL MESSAGES may be included, for an additional fee, with money transfers sent within the U.S. and most money transfers sent from the U.S. to a destination outside the U.S. (except money transfers to Mexico).

ADMINISTRATION CHARGE.

If a money transfer is not picked up by the Receiver or is not canceled by the Sender prior to pick up within one (1) year of the date it was sent, there will be a non-refundable administration charge where permitted by law. The administration charge will be deducted from the principal amount of the money transfer. The administration charge is fifty (50) cents per month from the date the money transfer was sent, but not more than forty-two (42) dollars (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).

RESOLUTION OF DISPUTES.

The following "Resolution of Disputes" provision applies to Western Union money transfer transactions originating outside California. Any dispute or claim arising from or relating to the Service and/or the Terms and Conditions, including any dispute or claim regarding the applicability of this provision, shall be settled by binding arbitration administered by the National Arbitration Forum ("NAF") under its Code of Procedure in effect at the time the claim is filed, with such arbitration to be held in the most populous city in the state from which the money transfer was sent, or in such other location as the parties may mutually agree. Each party shall bear its own attorney's, expert's and witness fees, which shall not be considered costs of arbitration. Judgment on any award rendered by the arbitrator may be entered in and enforced by any court having jurisdiction thereof. The parties agree that neither of them shall have the right to participate as a member of any class of claimants pertaining to any claim subject to arbitration under this paragraph and that claims of third parties shall not be joined in any arbitration between the parties. Information may be obtained and claims may be filed at any office of the National Arbitration Forum, www.arbitration-forum.com, or at P.O. Box 50191, Minneapolis, MN 55405. The parties acknowledge and agree that this arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C.§1-16. If any portion of this paragraph is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this paragraph. THE PARTIES ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THEY ARE WAIVING ALL RIGHTS TO A TRIAL BY COURT OR JURY AS A MEANS OF RESOLVING ANY DISPUTES ARISING OUT OF OR RELATING TO THIS MONEY TRANSFER.

THE FOREGOING PROVISION DOES NOT APPLY TO WESTERN UNION MONEY TRANSFER TRANSACTIONS ORIGINATING IN CALIFORNIA

LIMITATION OF LIABILITY.

IN NO EVENT SHALL WESTERN UNION BE LIABLE FOR DAMAGES FOR DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, 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 principal amount of the money transfer and the transfer fees), UNLESS THE SENDER 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 WESTERN UNION BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.

Western Union reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. Western Union assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if Western Union does not receive authorization from the bank card issuer, nor does Western Union assume any liability for damages resulting from nonpayment of the money transfer or any failure to complete any applicable Service transaction by reason of such lack of authorization. Western Union is not affiliated with or responsible for goods and/or services provided by merchants and paid for through its Services. Western Union reserves the right to refuse to provide the Services to You, at any time, for any reason deemed necessary to protect Western Union's interests.

INDEMNITY.

You agree to indemnify, defend and hold harmless Western Union, 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 Western Union website or Services including, without limitation, the money transfer services; and/or (ii) Your violation of the Terms and Conditions. Western Union 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 Western Union.

ELECTRONIC DELIVERY OF FUTURE DISCLOSURES.

YYou agree to accept all subsequent disclosures (including, without limitation, disclosures required under federal or state laws relating to privacy or electronic fund transfers) and other communications between You and Western Union on this website or at the primary email address You provided during registration. You may print and retain a copy of all such disclosures and communications by using Your personal computer and printer. In the event that Your primary email address changes, You must notify Western Union. You may revoke Your consent at any time by contacting customer service.

INTELLECTUAL PROPERTY.

The Western Union website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by Western Union or third parties, and all right, title and interest therein and thereto shall remain the property of Western Union and/or such other third parties. The Western Union website and 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 Western Union 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 Western Union website, the Service or any portion thereof for any public or commercial use without the express written consent of Western Union. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Western Union website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Western Union website (or printed pages thereof). The name Western Union and other names and indicia of ownership of Western Union's Service are the exclusive marks of Western Union or other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.

LINKS TO OTHER SITES.

The Western Union 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 Western Union or any of its affiliates to any third party resources or their contents. Links do not imply that Western Union is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of Western Union or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. Western Union 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.

MISCELLANEOUS.

These Terms and Conditions, together with all other items incorporated herein by reference, embody the entire agreement and understanding between You and Western Union and supercede all prior agreements or understandings You have with Western Union. Western Union 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 Western Union'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 Western Union website and Service is governed by Colorado law, without regard to its rules regarding conflicts of law. The Western Union website and Service are directed to persons age 18 and over residing in the United States. The Western Union 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. In the event that there is any inconsistency between the English version of the westernunion.com website and the Spanish version, the English version shall be binding.

For consumer inquiries or comments in English, please write to: WESTERN UNION FINANCIAL SERVICES, INC., P.O. Box 4430, Bridgeton, Missouri 63044

For consumer inquiries or comments in Spanish, please write to: WESTERN UNION FINANCIAL SERVICES, INC., P.O. Box 130780, Dallas, Texas 75313

FOR TELEPHONE CUSTOMER SERVICE, PLEASE CALL: 1-800-325-6000 (English) OR 1-800-325-4045 (Spanish)

THE WESTERN UNION MONEY TRANSFER SERVICE TO MEXICO IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:

Note: The Terms and Conditions ("Terms and Conditions") below are in effect for all westernunion.com transactions on or after 28th of August, 2006. The Terms and Conditions set forth below describe the terms and conditions that apply to and govern Your access to and use of the Western Union website and Services (as defined below). Do not use or access the Western Union website or Services if You do not agree to be bound by such Terms and Conditions.

THE WESTERN UNION MONEY TRANSFER SERVICE TO MEXICO.

A Western Union Money Transfer® consumer that is located in the U.S. (the "Sender") may send a money transfer to be picked up by a designated recipient (the "Receiver") at a Western Union Agent location in Mexico through the westernunion.com website using the Dinero En Minutos® service (the "Service") using a U.S. issued Visa® or MasterCard® credit card or debit card issued by or through a financial institution located in the U.S. ("bank card"). "You" or "Your" may be used to refer to the Sender and/or the Receiver depending on the context in which it is used. Dinero en Minutos money transfers to Mexico will normally be paid to the Receiver in cash, check or a combination thereof, subject to currency availability and the conditions applicable to the selected payment location. Dinero en Minutos money transfers are usually available for pick up by the Receiver promptly after validation of Your information which may take up to 24 hours, on a "Will Call" basis, at any Western Union Dinero en Minutos Agent location in Mexico (subject to the hours of operation that the Agent location offers the Service). Dinero en Minutos money transfers that exceed certain principal amounts, and/or implicate certain regulatory issues may take longer or be subject to additional restrictions. The Receiver must present a valid form of identification in accordance with Western Union policies. Sender and Receiver represent, warrant and certify to Western Union that its and their use of the Services 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 the Terms and Conditions of use. When required by applicable law, Dinero en Minutos money transfers will be reported to federal, state, local or foreign authorities. In addition, Western Union 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 Western Union with certain information to allow Western Union, among other things: to verify Your identity; to receive appropriate bank card authorization; and to complete the transaction. Western Union is not an escrow service provider and You agree that You will not use Western Union Services for escrow purposes. You agree that the information You provide is not false, inaccurate or misleading. Please contact Western Union at the customer service telephone number listed below to obtain information regarding the conditions applicable to the Service You have selected or Your expected payment location. Please refer to Western Union's Online Privacy Statement for information concerning Western Union's use of this information. It is important to carefully review the information concerning REFUNDS and CURRENCY EXCHANGE. Western Union may amend these Terms and Conditions at any time by posting the amended terms on the Western Union website, and all amended terms shall be effective immediately after they are posted to the website.

FEES, PAYMENT AND CURRENCY EXCHANGE.

Fees. In consideration for the use of the Service, You agree to pay to Western Union a fee for each money transfer initiated by You at the applicable rate then in effect (the "transfer fee"). The applicable transfer fee for Your transaction will be provided to You prior to Your final authorization of the transaction, in addition to any applicable fees for additional services.

CURRENCY EXCHANGE. IN ADDITION TO THE TRANSFER FEE, WESTERN UNION ALSO MAKES MONEY WHEN IT CHANGES YOUR DOLLARS TO PESOS. All payments will be made in Mexican currency. In addition to the transfer fees applicable to this transaction, a currency exchange rate will be applied. United States currency is converted to Mexican currency at an exchange rate set by Western Union. Any difference between the rate given to customers and the rate received by Western Union will be kept by Western Union (and its Agents in some cases) in addition to the transfer fees. Please ask a customer service representative for information concerning the currency exchange rate applicable to your transaction. You may also find out the current foreign exchange rate provided by Western Union to its customers by calling toll-free to 1-800-325-6000.

Payment. Transfer fees and the principal amount are due and payable before Western Union processes the transaction. You must pay for the Service by bank card. If Western Union does not receive authorization from the bank card issuer, the transaction will not be processed and funds will not be transmitted to the Receiver. Each time You use the Service You agree that Western Union is authorized to charge Your designated bank card account for the principal amount, the transfer fee and any other applicable fees. (Your agreement with Your bank card issuer governs use of Your bank card, and You must refer to that agreement to ascertain Your rights and liabilities as a cardholder, which may include a "cash advance" fee.)

REFUNDS.

REFUNDS OF PRINCIPAL AMOUNT and cancellation of the money transfer will be made upon written request of the Sender if payment to the Receiver has not yet been made at the time the request is processed by Western Union. REFUNDS OF TRANSFER FEES will be made upon written request of the Sender if the money transfer is not available to the Receiver within the time specified by Western Union for the selected service, subject to the hours of operation that the Service is offered at the Agent location selected by the Receiver for payment and other special conditions. Refunds will be made within 45 days of receipt of a valid written request from the Sender.

RIGHT TO REFUND (CALIFORNIA).

The following provision applies only to money transfers originating in California for transmission to Mexico:

"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 Financial Services, Inc. at P.O. Box 4430, Bridgeton, MO 63044. 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 1810.5 of the California Financial Code."

SPECIAL SERVICES.

SUPPLEMENTAL MESSAGES may be included, for an additional fee.

ADMINISTRATION CHARGE.

If a money transfer is not picked up by the Receiver or is not canceled by the Sender prior to pick up within one (1) year of the date it was sent, there will be a non-refundable administration charge where permitted by law. The administration charge will be deducted from the principal amount of the money transfer. The administration charge is fifty (50) cents per month from the date the money transfer was sent, but not more than forty-two (42) dollars (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).

RESOLUTION OF DISPUTES.

The following "Resolution of Disputes" provision applies to Western Union money transfer transactions originating outside California. Any dispute or claim arising from or relating to the Service and/or the Terms and Conditions, including any dispute or claim regarding the applicability of this provision, shall be settled by binding arbitration administered by the National Arbitration Forum ("NAF") under its Code of Procedure in effect at the time the claim is filed, with such arbitration to be held in the most populous city in the state from which the money transfer was sent, or in such other location as the parties may mutually agree. Each party shall bear its own attorney's, expert's and witness fees, which shall not be considered costs of arbitration. Judgment on any award rendered by the arbitrator may be entered in and enforced by any court having jurisdiction thereof. The parties agree that neither of them shall have the right to participate as a member of any class of claimants pertaining to any claim subject to arbitration under this paragraph and that claims of third parties shall not be joined in any arbitration between the parties. Information may be obtained and claims may be filed at any office of the National Arbitration Forum, www.arbitration-forum.com, or at P.O. Box 50191, Minneapolis, MN 55405. The parties acknowledge and agree that this arbitration agreement is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C.§1-16. If any portion of this paragraph is deemed invalid or unenforceable, it shall not invalidate the remaining portions of this paragraph. THE PARTIES ACKNOWLEDGE AND AGREE THAT, EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THEY ARE WAIVING ALL RIGHTS TO A TRIAL BY COURT OR JURY AS A MEANS OF RESOLVING ANY DISPUTES ARISING OUT OF OR RELATING TO THIS MONEY TRANSFER.

LIMITATION OF LIABILITY.

IN NO EVENT SHALL WESTERN UNION BE LIABLE FOR DAMAGES FOR DELAY, NONDELIVERY, NONPAYMENT OR UNDERPAYMENT OF ANY MONEY TRANSFER, OR ANY SUPPLEMENTAL MESSAGE, 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 principal amount of the money transfer and the transfer fees), UNLESS THE SENDER 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 WESTERN UNION BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE. THESE CONDITIONS CANNOT BE CHANGED OR SUPPLEMENTED ORALLY.

Western Union reserves the right to limit the principal amount of a money transfer, or to reject a proposed money transfer, in its sole discretion. Western Union assumes no obligation to make payment of the money transfer or to complete the applicable money transfer transaction if Western Union does not receive authorization from the bank card issuer, nor does Western Union assume any liability for damages resulting from nonpayment of the money transfer or any failure to complete any applicable Service transaction by reason of such lack of authorization. Western Union is not affiliated with or responsible for goods and/or services provided by merchants and paid for through its Services. Western Union reserves the right to refuse to provide the Services to You, at any time, for any reason deemed necessary to protect Western Union's interests.

INDEMNITY.

You agree to indemnify, defend and hold harmless Western Union, 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 Western Union website or Services including, without limitation, the money transfer services; and/or (ii) Your violation of the Terms and Conditions. Western Union 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 Western Union.

ELECTRONIC DELIVERY OF FUTURE DISCLOSURES.

You agree to accept all subsequent disclosures (including, without limitation, disclosures required under federal or state laws relating to privacy or electronic fund transfers) and other communications between You and Western Union on this website or at the primary email address You provided during registration. You may print and retain a copy of all such disclosures and communications by using Your personal computer and printer. In the event that Your primary email address changes, You must notify Western Union. You may revoke Your consent at any time by contacting customer service.

INTELLECTUAL PROPERTY.

The Western Union website, the Service, the content, and all intellectual property pertaining thereto and contained therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by Western Union or third parties, and all right, title and interest therein and thereto shall remain the property of Western Union and/or such other third parties. The Western Union website and 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 Western Union 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 Western Union website, the Service or any portion thereof for any public or commercial use without the express written consent of Western Union. You further agree not to: (i) use any robot, spider, scraper or other automated device to access the Western Union website and/or Service; and (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Western Union website (or printed pages thereof). The name Western Union and other names and indicia of ownership of Western Union's Service are the exclusive marks of Western Union or other third parties. Other product, service and company names appearing on the website may be trademarks of their respective owners.

LINKS TO OTHER SITES.

The Western Union 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 Western Union or any of its affiliates to any third party resources or their contents. Links do not imply that Western Union is affiliated or associated with or is legally authorized to use any trademark, trade name, logo or author symbol displayed in or accessible through the links, or that any Linked Sites are authorized to use any trademark, trade name, logo or author symbol of Western Union or any of its affiliates. You should direct any concerns regarding any Linked Site to such Linked Site's site administrator or webmaster. Western Union 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.

MISCELLANEOUS.

These Terms and Conditions, together with all other items incorporated herein by reference, embody the entire agreement and understanding between You and Western Union and supercede all prior agreements or understandings You have with Western Union. Western Union 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 Western Union'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 Western Union website and Service is governed by Colorado law, without regard to its rules regarding conflicts of law. The Western Union website and Service are directed to persons age 18 and over residing in the United States. The Western Union 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. In the event that there is any inconsistency between the English version of the westernunion.com website and the Spanish version, the English version shall be binding.

For consumer inquiries or comments, please write to: WESTERN UNION FINANCIAL SERVICES, INC., P.O. Box 130780, Dallas, Texas 75313

FOR TELEPHONE CUSTOMER SERVICE, PLEASE CALL: 1-800-325-6000 (English) OR 1-800-325-4045 (Spanish)