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Economy Option - Direct to Bank Terms and Conditions

Western Union® Terms and Conditions

WESTERN UNION MONEY TRANSFER SERVICE ECONOMY OPTION - DIRECT TO BANK


Fees, Payment and Currency Exchange

Currency Exchange, International Services, (Except to Mexico)

Currency Exchange, International Services to Mexico

Refunds

Tracking

Resolution of Disputes

Limitations of Liability

Indemnity

Electronic Delivery of Future Disclosures

Intellectual Property

Links to Other Sites

Miscellaneous


WESTERN UNION MONEY TRANSFER SERVICE ECONOMY OPTION - DIRECT TO BANK
THE WESTERN UNION MONEY TRANSFER SERVICE ECONOMY OPTION - DIRECT TO BANK IS SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS:

Note: The Terms and Conditions ("Terms and Conditions") below are in effect for all Western Union® Economy option money transfer transactions initiated through westernunion.com on or after 28th of August, 2006 ("Services"). 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. 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 ECONOMY OPTION - DIRECT TO BANK.

The Services allow a customer ("Customer") to credit the bank account of a designated recipient ("Receiver") 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 Customer and/or the Receiver depending on the context in which it is used. Availability of Services depends on selected Services conditions including amount sent, destination, currency availability, regulatory issues, identification requirements, bank participation and bank hours of operation, including local and bank holidays, and bank rules concerning availability of funds (collectively, "Restrictions"). Services are available only to certain banks in certain countries. The funds may be transferred to intermediary banks or other financial institutions before reaching the destination bank (the bank to which the Customer sends funds), and those intermediary banks or other financial institutions are solely responsible for crediting the bank account designated by Customer. Transfers will generally be credited at destination banks within 3 banking business days after the money is sent, subject to the banks' operating hours, including local and bank holidays, and rules concerning availability of funds. Transactions: (i) which exceed certain amounts; (ii) to certain destinations; (iii) that implicate certain regulatory issues; or (iv) sent through delayed options, may take longer, be subject to dollar limits, or be subject to additional Restrictions. Customer 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, Economy option 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. 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.

RELATIONSHIP BETWEEN WESTERN UNION AND BANKS: Western Union receives no compensation from destination or intermediary banks or other financial institutions for the Services. Western Union accepts no responsibility to the Customer nor to any account holder for any acts or omissions of the destination or intermediary banks, including the imposition of additional fees or charges. Neither Western Union nor its agents endorse or recommend the services of any bank. While Western Union can send money to a wide range of accounts, the banks and financial institutions listed on this site are not affiliated with Western Union and do not necessarily endorse the use of the Western Union Money Transfer service - Economy option.

Immediately contact Western Union at the address or telephone number listed below if the amount credited to the designated bank account is less than the amount to be paid designated on the transaction receipt.

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 Economy option 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, INTERNATIONAL SERVICES (Except to Mexico): 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 1-800-435-0000.

CURRENCY EXCHANGE, INTERNATIONAL SERVICES TO MEXICO: 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 1-800-435-0000.

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

PRINCIPAL REFUNDS and cancellation of the money transfer will generally be made if the Receiver's bank account has not been credited when Western Union processes the Customer's written request for a refund. Principal refunds may be subject to additional fees imposed by the destination bank and/or currency exchange rates (if applicable) applied by the destination bank and/or Western Union. PRINCIPAL REFUNDS MAY NOT BE AVAILABLE IF A BANK ACCOUNT OTHER THAN THE RECEIVER'S BANK ACCOUNT IS CREDITED DUE TO INCORRECT, INCOMPLETE OR ILLEGIBLE INFORMATION PROVIDED BY CUSTOMER. TRANSFER FEE REFUNDS are generally made if funds are not credited to the designated account within 3 banking business days, subject to Restrictions, and except to the extent caused by (i) conditions beyond the control of Western Union or its agents, such as telecommunications failure, or (ii) incorrect, incomplete or illegible information provided by the Customer. Qualifying refunds will be made within 45 days of receipt of Customer's valid written request.

RIGHT TO REFUND (CALIFORNIA). The following provision applies only to transactions from California to a foreign country:

"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 P.O. Box 4430, Bridgeton, Missouri 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."

TRACKING

Tracking of an Economy option money transfer transaction once it has been sent by Western Union is generally not available through Western Union. A Customer or Receiver may make an inquiry directly to the destination bank, which may charge a fee for this inquiry.

RESOLUTION OF DISPUTES

The following "Resolution of Disputes" provision applies to Western Union Economy option money transfer transactions originating outside California. Any dispute or claim arising from or relating to this transaction, including disputes regarding this paragraph, shall be settled by binding arbitration administered by the National Arbitration Forum ("NAF") under its Code of Procedure in effect when the dispute is filed, and shall be arbitrated in the most populous city in the state where the transaction was sent. Each party shall bear its own attorneys', experts' and witness fees. Neither party shall have the right to participate as a member of any class of claimants pertaining to any claim. Third parties' claims shall not be joined in any arbitration between the parties. Information may be obtained and disputes may be filed at a NAF office, www.arbitration-forum.com, or at P.O. Box 50191, Minneapolis, MN 55405. This paragraph is made pursuant to a transaction involving interstate commerce and shall be governed by the Federal Arbitration Act, 9 U.S.C. §1-16. EXCEPT AS EXPRESSLY PROVIDED IN THIS PARAGRAPH, THE PARTIES WAIVE ALL RIGHTS TO A COURT OR JURY TRIAL TO RESOLVE AGREEMENT DISPUTES.

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 fees), UNLESS CUSTOMER HAS OBTAINED A HIGHER LIABILITY LIMIT BY CALLING THE CUSTOMER SERVICE TELEPHONE NUMBER BELOW AND PAYING ADDITIONAL CHARGES THEREFOR. IN NO EVENT SHALL WESTERN UNION OR ITS AGENTS 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 Economy option 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 inquiries or comments in English, please write to:

Western Union Financial Services, Inc.
P.O. Box 4430
Bridgeton, MO 63044
FOR CUSTOMER SERVICE, PLEASE CALL
1-800-325-6000
For inquiries or comments in Spanish, please write to:

Western Union Financial Services, Inc.
P.O. Box 130780
Dallas, TX 75313
FOR CUSTOMER SERVICE, PLEASE CALL
1-800-325-4045