Terms and conditions applicable to Western Union® Money Transfer SM - BT24

The service is provided by Western Union Payment Services Ireland Limited ("WUPSIL" or "Western Union") through a network of authorised agents ('Agents') in the European Economic Area ('EEZ'). WUPSIL outsources important operational functions to other western union group entities as well as to selected third-party suppliers. WUPSIL, a subsidiary of Western Union, is an Irish company with its registered office at Unit 9, Richview Business Park, Clonskeagh, Dublin 14, Ireland.

Western Union Payment Services Ireland Limited is regulated by the Central Bank of Ireland (the "Central Bank") and is registered as a payment institution in the Central Bank's register of payment service firms under the number E0471360. Visit www.centralbank.ie for more information.

Western Union offers the Service domestically and internationally. By initiating a shipping or receiving transaction, providing the necessary identification data and signing the transaction form, you agree to the execution of the money transfer. Before confirming the money transfer, you will be informed about the maximum execution time, the fee charged and the exchange rate applied to the transaction through the same channel as the one used to place the money transfer. It is mandatory to inform the recipient about the money transfer, including the sender's name, country of origin, approximate amount, money transfer control number ("MTCN") and any other conditions or requirements applicable at the premises in question.

Youmust be at least 18 years of age to use the Service. Applicable laws prohibit money transfer firms from doing business with certain individuals and countries and Western Union will not be able to provide the Service to such individuals and countries. Western Union is required to filter all transactions by confronting lists of names provided by the governments of the states and territories in which we operate, including, without limitation, the Office of Foreign Assets Control (OFAC) in the U.S. Treasury Department and the European Union. If a potential match is identified, Western Union investigates the transaction to determine whether the corresponding name refers to the person in the relevant list. Consumers are occasionally required to provide additional identification data or other information, which delays the transactions. This is a legal requirement for all transactions processed by Western Union. For more information, call 0800-801-044*.

Payment terms and liability - Payment will be made to the person whom Western Union or its Agent deems entitled to receive. Payment can also be made when the forms filled in by the recipient contain minor errors, but not if the mtcn provided is incorrect. Payment can be made after examining the photo IDENTITY documents issued by the recipient's government and only if the recipient has provided the transaction details requested by Western Union, in particular the amount of money transferred, the name of the sender, the correct MTCN number, as well as the country from which the money was sent. Western Union will have fulfilled its obligation to you. as soon as the amount of money transferred has been paid to a person who has provided the above-mentioned transaction details. Western Union will carefully examine the details of the transaction provided by the recipient and the identity document presented, and will refuse payment if there are reasons for doubting the authenticity of the said identity document.

You have an obligation to ensure the correctness, completeness and legibility of the information provided. You must take steps to ensure that the data relating to the transfer does not come to the attention of persons other than the recipient. Western Union recommends transferring money only to people who are familiar to you. Western Union does not accept any warranty for the supply or ownership of goods or services paid for through the use of the Service.

If you believe that the details of your transaction are not the same as the details of your transaction. have been stolen, lost or copied, contact Western Union immediately by dialing 0800-801-044*. Before reporting a loss, theft or misuse to Western Union, you will only be held liable if (i) you have transmitted the transaction details to persons other than the recipient, which contributed to the misuse, or (ii) you did not immediately communicate the loss, theft or misuse, or (iii) you acted with the intention of deliberately or grossly negligently defrauding or facilitated the misuse of the payment instrument. In the event of a minor breach of your obligation. On receipt of your attention, you will respond up to a maximum of EUR 150. Upon receipt of notification by Western Union, you are released from any other liability except in cases where you have contributed to the misuse with the intent of fraud. You will also notify us of any money transfer that you have not authorized or that has been executed in error.

Western Union will be held liable for damages caused by international mismanagement or the gross negligence of its employees and Agents during the processing of your transaction. according to the laws in force. Western Union's liability, the liability of affiliated companies or the liability of agents in the event of minor negligence is excluded. Western Union's liability is limited to the reimbursement of reasonably foreseeable damage under the contract in the amount of up to EUR 500 (in addition to the amount transferred and any taxes and any interest imposed on you as a result of non-performance or improper execution of the payment transaction). In no event shall Western Union be liable if you have deliberately or negligently disclosed the transfer data to persons other than the recipient. Western Union shall not be liable for damage caused by force majeure (including failure of telecommunications lines, riots, war or other events outside the influence of Western Union (e.g., strikes, business interruptions or orders issued by government authorities)).

If a Western Union Agent accepts a cheque, credit or debit card or other form of non-cash payment, neither Western Union nor its Agent is obliged to process the money transfer or pay it if the payment cannot be charged. In addition, neither Western Union nor its Agents shall be liable for damages caused by non-payment to a recipient due to the collection by Western Union or its Agents of a form of non-cash payment, or caused by the fact that the money transfer was made only when Western Union or its Agents were able to collect the payment in question.

Western Union and its Agents may refuse to provide the Service to any person without giving a reason, in particular to prevent fraud, money laundering or terrorist financing, or to comply with any applicable law, court order or requirements of a regulatory or governmental authority. If we have refused to provide the service (in whole or in part) for any of the above reasons, we will notify you accordingly if possible and communicate the reasons for the refusal except when we are prevented from doing so for legal reasons.

The amounts will be available for collection by the recipient no later than the end of the business day following the day on which the amount sent and the transaction fees were received by Western Union or its Agent ("Date of receipt"), depending on legal and regulatory requirements. For money transfers initiated through paper forms, this deadline is extended by another working day. For (i) money transfers taking place outside the EEZ or (ii) for money transfers in which there is more than one currency conversion between the euro and the currency of one of the European Union States or the EEZ not forming part of the eurozone, or (iii) for a non-eurozone cross-border money transfer, the amounts will be available for collection by the recipient no later than the end of the fourth working day following the Date of receipt. Periodic money transfers are generally available for collection in minute intervals unless a service delay option is selected, in which cases the recipient's collection will only be available later, up to 24 hours after the money is sent, depending on the service delay option selected. Amounts may be delayed or the Services may be unavailable depending on certain transaction conditions, including the amount sent, destination country, currency availability, regulatory issues, identification requirements, Agent's schedule, time zone differences, or selection of delay options. Additional limitations may apply. For more information, call 0800-801-044*.

Details of the fees and fees you will have to pay to Western Union for the Service, as well as details of the exchange rates applied, are provided in the transfer form. Payments for money transfers will normally be made in the currency of the destination country (in some countries payment is only available in an alternative currency). The exchange rate can only be estimated and the real rate will be set at the time of confirmation of the transfer of money into the system. All currencies are converted at the Western Union exchange rate. Western Union calculates its exchange rate on the basis of commercially available interbank rates plus a margin. Western Union and its Agents also earn money from currency exchanges. Most exchange rates are adjusted several times a day according to the prevailing rate of global financial markets. To the extent permitted by law, Western Union may deduct a management fee from money transfers that are not picked up within one year of the date of receipt. For more information, call 0800-801-044*.

The recipient may be charged additional fees for receiving the amounts from the sender via a mobile phone or account. The recipient's contract with the mobile service provider, mWallet or other account provider governs the account and sets out the rights, liability, fees, availability of amounts and account-specific limitations. In the event of a discrepancy between the account or mobile phone number and the recipient's name, the transfer will be credited to the account number provided by the sender. Western Union accepts no liability to the sender or to any account holder for any taxes, exchange rates used for conversion into foreign currency, acts or omissions of the final financial service providers or intermediaries. Western Union offers free SMS notification in certain countries to indicate to the sender that the transaction has been charged by the recipient or the recipient that the amounts are available for collection. If the sender or recipient requests SMS notification to indicate whether the amounts are available or collected, Western Union shall not be liable for any charges charged to the sender or recipient in connection with SMS messages and charges charged by the service provider are the sole responsibility of the sender or recipient.

Conflicts of interest - WUPSIL provides the Service on behalf of its clients. Money transfer does not tend to give rise to conflicts of interest that carry risks of damage to clients' interests. If a conflict of interest arises that cannot be reasonably avoided, WUPSIL will: a) disclose the general nature and/or source of the conflicts of interest to the client and b) ensure that the conflict does not cause damage to the interests of the client. For more information, call 0800-801-044*.

Cancellation and Refunds - You can cancel the transaction at an Agent's premises or by dialing the number 0800-801-044* until the recipient has collected the money, or in the case of account-to-account transactions, until Western Union has sent the funds to a partner bank. Once the transfer is cancelled, Western Union will refund the principal amount with the deduction of the transfer fee applied to the Service. Refunds typically take 10 business days. If the payment to the recipient is not made within 45 days, you can request a refund of the principal amount of a money transfer by contacting WUPSIL in writing by post or e-mail. Western Union will refund the transfer fee at your request. in writing to WUPSIL by post or e-mail if the money transfer is not available to the recipient within the time specified above, provided that the delay is not caused by force majeure or conditions outside the control of Western Union (or agents), including regulatory requirements, rough weather or malfunctions of telecommunications lines. The payment of certain money transfers may be delayed as a result of the application of certain laws of the United States or other applicable laws.

If you have a complaint, you consider that an error has been committed or you have a question related to the Service, please contact the customer services: call 0800-800-899 (Monday to Friday, between 8.30 – 17.00) or contact us through our website or in the units of Banca Transilvania in Romania. We will review your request. and we will give you an answer within 30 business days of receiving it. If you are not satisfied with the answer, you have the right to submit a complaint to the Irish Consumer Protection on Financial Services either by correspondence at 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, or by calling +353 1 6620899, or by e-mail at enquiries@financialombudsman.ie address, or through the local government office (contact details of these offices are available at this address), or The Alternative Banking Dispute Resolution Centre or at the District Commissioner for Consumer Protection (consumer phone – 0219551).

Western Union will use and process your personal information. as described in the Privacy Statement and you expressly consent to this.

* Free calls from landlines and public phones. Standard network fees may apply to calls from mobile networks. The lines are open from Monday to Sunday, from 7:00 to 22:00.

Copyright © 2018 WESTERN UNION HOLDINGS, INC. All rights reserved. 

Reviewed in May 2018.