Western Union - Moving Money for Better
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Terms and Conditions

Western Union Terms and Conditions

In addition to the transfer fee, western union also makes money when it changes your dollars into foreign currency. Please see below for more information regarding currency exchange.

If the exchange rate for your transaction was determined at the time you sent the money, the currency to be paid out and the exchange rate are listed on your receipt. Otherwise, the exchange rate will be set when the receiver receives the funds.

Consumer fraud alert: Protect yourself. Be careful when a stranger asks you to send money, especially for Internet auctions, newspaper or telephone offers.

CERTAIN TERMS AND CONDITIONS GOVERNING THIS TRANSACTION AND THE SERVICES YOU HAVE SELECTED ARE SET FORTH BELOW. By using the Western Union website and/or Services you agree to be bound by the following Terms and Conditions. Western Union may amend these Terms and Conditions at any time. It is your responsibility to check these Terms and Conditions whenever you use Western Union’s Services or website. Your use of the Western Union website and/or Services following the posting of changes will mean that you accept and agree to the changes for all subsequent Services.

WESTERN UNION® MONEY TRANSFER SERVICES ("SERVICES") ARE PROVIDED SUBJECT TO THESE TERMS AND CONDITIONS ("AGREEMENT") AND APPLICABLE LAW. Service availability depends on certain transaction conditions including the Service selected (including the special terms applicable to each Service, as set forth below), amount sent, destination country, currency availability, regulatory issues, identification requirements, payment method and location hours (collectively, "Restrictions"). The designated recipient ("Receiver") may generally receive funds sent by a Western Union consumer ("You") at Western Union agent ("Agent") locations in the Expected Payout Location. For transactions sent within the U.S., the Expected Payout Location generally means any Agent location in the destination state You identify, or an adjacent state. For transactions sent outside the U.S., Expected Payout Location generally means any Agent location in the destination country You identify. The Services offered by Telecomunicaciones de Mexico ("Telecomm") are only available at Telecomm locations. The Receiver will normally receive funds sent by You in cash, check, or a combination thereof; with some Services, funds may be credited to a bank, prepaid card, mWallet, or similar account. Under some circumstances, the Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize Western Union to honor the Receiver's election of payout method. Receivers who receive funds through a payout method other than cash may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on the Receiver's receipt of, or access to, transferred 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. Transactions may be reported to applicable authorities.

FEES. In consideration for the use of the Service, You agree to pay to Western Union a fee for each Service transaction 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. Messaging and notification services may be included for additional fees. FEES. In consideration for the use of the Service, You agree to pay to Western Union a fee for each Service transaction 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. Messaging and notification services may be included for additional fees.

PAYMENT. You may pay for the Services by 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"). Alternatively, you may pay with cash at a Western Union agent location or using Western Union’s mobile phone, WUPay or ACH options (“Alternative Payment Options”. Transfer Fees and the principal amount are due and payable before Western Union processes the transaction. If Western Union does not receive authorization from the Bank Card issuer (or your applicable account, in the case of Alternative Payment Options), the transaction will not be processed and funds will not be transmitted to the Receiver. Each time You use your Bank Card or Alternative Payment Options to pay forServices, You agree that Western Union is authorized to charge Your designated Bank Card or applicable account for the principal amount, the Transfer Fee and any other applicable fees and other amounts disclosed to You relating to the transaction. 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.

TEST QUESTIONS: Test Questions may be used with some Services 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. In some Destinations Receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test Questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are prohibited in certain countries. Please contact Western Union at the customer service telephone number listed below for current information regarding the availability of test question for Your selected destination.

ADMINISTRATION CHARGE: Transactions not picked up or canceled by You within one year of the send date will be assessed a non-refundable administration charge of up to fifty cents per month from the send date, not to exceed forty-two dollars, which will be deducted from the amount sent (or where such charge exceeds the maximum amount permitted by law, the maximum amount permitted by law).

REFUNDS: PRINCIPAL REFUNDS and cancellation of the money transfer will be made if payment has not been made when Western Union processes Your cancellation request. If Receiver rejects Your funds or You request a refund, in some cases Western Union may charge You a fee to refund the principal amount back to You. TRANSFER FEE REFUNDS may be made if funds are not available within the specified timeframe. Qualifying refunds will be made within 45 days of receipt of Your valid written request.

RIGHT TO REFUND (The following provision applies only to transactions from California): "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 USA 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."

WAIVER/BAR OF CLASS ACTION CLAIMS: All legal actions or claims arising from or relating to this transaction or the Services ("Claim") shall be brought in the party's individual capacity only. Neither party shall pursue a Claim as a class representative, a class member or in a class representative action of any kind. Within 72 hours after initiating a transaction, You may opt-out of this provision by calling 1-800-325-6000 and providing certain information, including the MTCN, Your name, the Receiver's name and the amount of the money transfer.

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 § 1842 (c)), UNLESS YOU HAVE OBTAINED A HIGHER LIABILITY LIMIT BY CALLING THE CUSTOMER SERVICE TELEPHONE NUMBER BELOW AND PAYING AN ADDITIONAL FEE 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.

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 You 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 note the currency exchange rate applicable to your transaction before completing your transaction. The Transfer Fees and the money Western Union (or its Agents) makes when it changes your dollars into foreign currency may vary based upon 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.

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 note the currency exchange rate applicable to your transaction before completing your transaction. You may ask a customer service representative for information concerning regarding foreign exchange rates provided by Western Union by calling toll-free: 1-800-325-6000.

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 these Terms and Conditions. Western Union reserves the right, at its own expense, to assume the exclusive defense and control of any matter brought by someone other than You or Western Union subject to indemnification by You. You shall not in any event settle any such matter without the written consent of Western Union.

SMS MESSAGING. The mobile operators participating with Western Union on 40444 are AT&T, Verizon Wireless, Sprint, T-Mobile, Nextel, Boost, Dobson, and Alltel. If Your mobile operator is not participating, You will not receive a reply to Your messages. Some operators may not support some services at the process offered. Pre-paid users may not be able to participate. Check with Your mobile operator. Message and data rates may apply. To stop a service at any time, reply STOP to 40444. Text HELP to 40444 to receive help information, reply HELP to any message. Any text messages You send become Western Union's property. No remuneration is implied or offered.

LOCATION-BASED SERVICES: You acknowledge and authorize that information concerning the location of your mobile device will be used to assess location. Location may be obtained at any time while logged into this website. Location information will not be disclosed to others.

You expressly agree that you authorize Western Union to collect and use your location as a part of the Western Union website and eligibility for use of the website.

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.

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. Western Union has the right to assign this Agreement to any party, at any time 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 and Receiver represent that your use of Services does not violate: (a) any law, including, without limit, laws relating to money laundering, illegal gambling activities, support for terrorist activities or fraud; and/or (b) this Agreement. Information provided to Western Union shall be truthful and complete. You shall indemnify Western Union and its Agents for all losses of any kind (including but not limited to attorney fees) arising out of any Agreement breach by You or the Receiver. Western Union reserves the right to change Services without notice. Western Union and its Agents may refuse to provide Services to any person. Western Union does not guarantee delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider. You and the Receiver agree not to use Services for escrow purposes.

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Western Union Privacy Policies

Western Union may disclose Your personal information to third parties as explained in Western Union's Privacy Statement; to obtain a copy, ask Your Western Union Agent, 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 in English, please write to:
WESTERN UNION FINANCIAL SERVICES, INC.
PO Box 6036, Englewood, CO USA 80112
FOR CUSTOMER SERVICE, PLEASE CALL 1-800-325-6000.

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Western Union Electronic Records Policy

Western Union may provide information to you electronically. Before using electronic and related services provided by Western Union ("Services"), you must review and consent to Western Union's Electronic Records Policy. If you choose not to consent to this policy or you withdraw your consent, you cannot use our Services. Your consent to this policy may also apply to our affiliates' products or services at our affiliates' sole discretion. By using our Services you hereby consent to this policy and affirm that you have access to the hardware and software requirements identified in the Policy. To withdraw your consent to receive electronic records, call 1-800-562-2598.

Service Specific Terms and Conditions

Special Terms for Bank Funded Service Transactions.

Where available, You may initiate a money transfer from a U.S. dollar denominated checking or savings account held in Your name at a financial institution in the United States ("Bank Account"). Subject to the Restrictions, when You use a Bank Account to fund such a Service transaction ("Bank Funded Service Transaction"), funds will generally be available for pick-up by the Receiver at an Agent location three (3) business days after sending. If You send a Bank Funded Service Transaction on a day that is not a business day or after business hours, it will be processed on the next business day. Bank Funded Service Transactions are for personal or individual use only and You may not conduct a Bank Funded Service Transaction on behalf of any business, partnership, corporation, proprietorship or other entity.

Western Union may use the Automated Clearing House ("ACH") network to initiate the electronic debits and credits to Your Bank Account to process a Bank Funded Service Transaction. Western Union may also use other methods to process your transaction, including but no limited to a book transfer, electronic funds transfer, or wire transfer.

BUSINESS DAYS. For purposes of these disclosures, business days are Monday through Friday, except holidays, in the send and receive jurisdictions. In some jurisdictions business days are Sunday through Friday, except holidays.

YOUR AUTHORIZATION TO WESTERN UNION TO COMPLETE FUNDS TRANSFER. By initiating a Bank Funded Service Transaction, You authorize Western Union, including its employees, agents and service providers, to initiate electronic debits and credits to Your Bank Account in order to process Your transaction. You also authorize Western Union to initiate electronic debits or credits to Your Bank Account in order to correct any error in a previous transaction or in the event that Western Union cannot complete a requested transaction. In the event of an outstanding error or a transaction that has been returned (such as described below), You agree that Western Union retains the right to initiate debits or credits, even after a cancellation request, for a reasonable amount of time, until the error has been corrected.

YOUR REPRESENTATIONS. You represent to Western Union that You are the owner of the Bank Account and have all necessary authority and rights to register and to initiate Bank Funded Service Transaction to and from the Bank Account. Western Union and the financial institution holding the Bank Account may rely on the representations and the authorizations provided by you without investigation.

ACTIONS BY YOUR FINANCIAL INSTITUTION. Western Union is not responsible for actions taken by the financial institution that holds Your Bank Account ("Your Financial Institution"), and is not responsible if Your Financial Institution does not properly post the transaction to Your Bank Account.

If Western Union fails to debit Your Bank Account in accordance with these terms and conditions, in the correct amount or in a timely manner when properly instructed by You, Western Union may be liable for certain damages proximately caused by its failure as the law may impose in such cases. However, there are some exceptions. For instance, Western Union will not be liable where: (1) You do not have enough money available in Your Bank Account; (2) Your Bank Account is closed or withdrawals restricted; (3) the Bank Funded Service Transaction exceeds any dollar or frequency limitation placed on such Service transactions by Western Union or Your Financial Institution; (4) circumstances beyond Western Union's control (such as flood, fire, power outages, mechanical or system failures); (5) Your Financial Institution does not honor Bank Funded Service Transaction debits, or the debit is not processed or is returned by Your Financial Institution for any reason; (6) Your instructions are lost or delayed in transmission to Western Union; (7) a reasonable security concern, such as unauthorized use, causes Western Union not to honor Your instructions; (8) this Service option has been discontinued or suspended; (9) Western Union advises You that Your request will not be processed; and (10) other exceptions allowed by law. If Western Union's error was unintentional and resulted from a bona fide error, its liability is limited to actual damages.

WESTERN UNION RELIANCE ON INFORMATION YOU PROVIDE. Western Union is not responsible for detecting any errors in a Bank Funded Service Transaction requested by You. You are responsible for the content of any Service transaction, and Western Union may rely upon the information You provide when processing the transaction. Western Union may rely solely on the account numbers and bank identifying numbers that You provide for identifying Your Bank Account and Your Financial Institution, regardless of whether or not You also provide the name of the account holder or the name of the financial institution.

CANCELLATION OF REQUESTED TRANSACTION. You may request a cancellation of Your Bank Funded Service Transaction if the transaction has not been processed. To request a cancellation, You must call Customer Service. Western Union will take reasonable steps to act on Your cancellation requests, but shall not be responsible if Western Union is unable to cancel a transaction because it did not have sufficient time to act on the cancellation request.

CUSTOMER SERVICE. ALL QUESTIONS ABOUT BANK FUNDED SERVICE TRANSACTIONS MUST BE DIRECTED TO WESTERN UNION AND NOT TO YOUR FINANCIAL INSTITUTION (except in some cases if you are utilizing the WUPay service). You may contact Western Union regarding Your Bank Funded Service Transaction by contacting Customer Service as provided above. You may also view Your transaction history at westernunion.com (the "Web Site") at any time.

DOCUMENTATION/INFORMATION. Bank Funded Service Transactions and fees charged by Western Union will be listed as Western Union on Your Bank Account statement. A receipt will be made available to You on the Web Site after you complete Your transaction (except with WUPay, where your receipt is the transaction detail provided after you set up the transaction on the Western Union Website, confirmed by proof of payment e-mailed to you when funds are received by Western Union). You should print and retain a paper or electronic copy of Your receipt for Your records. You can review Your transaction history by logging in to Your profile on the Web Site and selecting the "My Profile" tab.

STATEMENT OF YOUR LIABILITY. Notify Western Union immediately if You believe Your Western Union username and password have been lost or stolen or if someone may use them without Your permission. If You notify Western Union within 2 business days You can lose no more than $50 if someone used Your Services username and password without Your permission.

If You do NOT notify Western Union within 2 business days after You learn of the loss or theft of Your username and password or that someone may use them without Your permission, and Western Union can prove that it could have stopped someone from using Your Services username and password without Your permission if You had told Western Union, You could lose as much as $500.

Also, if Your Bank Account statement shows Western Union debits that You did not authorize, notify Western Union immediately. If You do not notify Western Union within 90 days after the date that the statement was mailed to You or the transaction summary was available, and the loss could have been prevented, You may not get back any money You lost after the 90 days. Western Union may extend the within 90-day notification period for good cause.



ERROR RESOLUTION POLICY. If You believe that any Service transaction initiated by Western Union with respect to Your Bank Account is erroneous, or if You need more information about any such Service transaction, You should contact Western Union as soon as possible by telephone or in writing by using the telephone number or address provided above under "CUSTOMER SERVICE." In any event, Western Union must hear from You no later than 180 days after the disclosed date of availability of the remittance transfer or 60 days after Western Union sent documentation, information, or clarification that had requested by You. When You contact Western Union, please tell Western Union:

  • Why You believe an error exists, including to the extent possible the type, date, and amount of the error (this information is not required for requests of documentation, additional information, or clarification).
  • Your name and telephone number or address
  • The recipient’s name, and if known, the telephone number or address of the recipient
  • The remittance transfer to which the notice of error applies
In addition, the following information is helpful:

  • The e-mail address associated with Your westernunion.com customer account,
  • The dollar amount of the suspected error,
  • The transaction date and associated transaction identification number from Your Bank Account statement
  • A telephone number at which You can be reached in case Western Union needs further information.
Western Union will attempt to determine whether an error occurred within ten (10) Business Days after Western Union receives Your written complaint and will correct any error promptly. If Western Union needs more time, however, it may take up to forty-five (45) days to investigate Your complaint or question. If Western Union decides to do this, and Your inquiry or complaint involves any amounts debited from Your Bank Account, Western Union may transmit a provisional credit to Your Bank Account for the amount You think is in error, so that You will have the use of the money during the time it takes it to complete the investigation. Western Union will tell You the results of its investigation within three (3) Business Days after its completion. If Western Union decides that there was no error, it will send you a written explanation. You may ask for copies of the documents used in the investigation.

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Special Terms for Direct To Account Services

DIRECT TO ACCOUNT SERVICES: Where available, these services, which include Direct to Bank and Mobile Money Transfer Services (“Services”), allow You to credit the bank, mobile wallet (“MWallet”) or other financial services account (“Account”) of a designated recipient (“Receiver”). The Account provider may impose additional fees on the Receiver for receiving the funds into an Account. The Account provider may convert the funds at its own exchange rate or reject a Service transaction if the funds are not sent in the Receiver’s local currency. The Receiver’s agreement with their Account provider governs the Receiver’s rights, liabilities, and Account fees (including fees to transfer cash out of an Account) and the Account provider may impose its own restrictions regarding funds availability, limits that may be transferred to or held in Accounts, hours of operations, holidays or other Account limitations (“Restrictions”). In most cases, the Receiver must be enrolled in the Account program in order to receive a Service transaction. A Receiver who is not enrolled in an Account program may be able receive funds from a Service transaction at a Western Union Agent location and may be subject to additional requirements. Your Service transaction will be considered complete when Western Union pays it to the Account provider, who will either credit it to the Receiver’s account, or in certain cases where allowed by applicable law, may hold the funds until the Receiver enrolls into an Account program. The Account provider is responsible for crediting the Account designated by You. In the event of an inconsistency between the Account number (including mobile phone numbers for MWallet Accounts) and name of the Receiver, the transfer will be credited to the Account number provided by You. Western Union may make money from fees associated with use of an Account. Western Union accepts no responsibility to You, nor to any Account holder, for any fees not specifically related to the remittance transfer, exchange rates used for conversion to non-local currency and not specifically related to the remittance transfer, acts or omissions of the destination or intermediary financial service providers. Subject to Restrictions, transfers to Accounts generally take 3 business days, but depending on the Account, may be available within minutes. Neither Western Union, nor its Agents, endorse or recommend the services of any Account provider. Immediately contact Western Union at the address or telephone number listed below if the amount credited to the designated Account is less than the amount to be paid designated on the transaction receipt.

TRACKING: Tracking of a direct to account service transaction is generally not available through Western Union. You or the Receiver may make a tracking inquiry directly with the Account provider, which may charge a fee for the inquiry.

REFUNDS. PRINCIPAL REFUNDS and cancellation of a direct to Account Service transaction will generally be made if the Receiver’s Account has not been credited when Western Union processes Your written request for a refund. Principal refunds may be subject to additional fees and/or currency exchange rates (if applicable) imposed by the Account provider and/or Western Union. PRINCIPAL REFUNDS MAY NOT BE AVAILABLE IF AN ACCOUNT OTHER THAN THE RECEIVER’S ACCOUNT IS CREDITED DUE TO INCORRECT, INCOMPLETE OR ILLEGIBLE INFORMATION PROVIDED BY YOU. 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 or the Account provider, such as telecommunications failure, (ii) incorrect, incomplete or illegible information provided by You; or (iii) if Your money transfer causes the Receiver to exceed any Account limit. Qualifying refunds will be made within 45 days of receipt of Your valid request.

Special Terms for the Quick Collect Service

THE QUICK COLLECT SERVICE: A Quick Collect Customer that is located in the U.S. may send a payment to a Western Union Quick Collect Biller Client ("Receiver") in the United States through the westernunion.com website. Western Union reserves the right to limit the principal amount of a Quick Collect Service transaction, or to reject a proposed Quick Collect Service transaction, in its sole discretion. Western Union assumes no obligation to make payment of the Quick Collect Service transaction or complete the applicable Quick Collect service transaction if Western Union does not receive authorization from the Bank Card issuer; Western Union does not assume any liability for damages resulting from nonpayment of the Quick Collect Service transaction by reason of such lack of authorization. Western Union is not affiliated with the Receiver and shall have no responsibility or liability with respect to the goods or services that You may order or receive from the Receiver. You agree that Western Union shall have no liability for the wrongful acts, negligence or errors of the Receiver or for its failure to properly or timely give You credit for funds that You send to it through Western Union.

REFUNDS FOR THE QUICK COLLECT SERVICE. You may cancel your Quick Collect Service transaction if the Receiver has not yet received the payment. All refunds shall be made within 45 days of receiving a valid request to the address listed below. Under some circumstances, a Receiver may refuse to accept a payment; in such cases, if the Receiver notifies Western Union of its refusal promptly, Western Union will cancel the payment transaction and refund the principal amount (but not the Transfer Fees) to You. If the Receiver does not notify Western Union of its refusal promptly, the transaction will be completed, Western Union will not be liable to You for the refund and You agree to obtain the refund directly from the Receiver.

Special Terms for the Prepaid Services

You may transmit funds to a Western Union® Prepaid Services Client ("Receiver") using the Services, and Western Union will provide the funds to Receiver electronically. The maximum amount of funds you can transfer in a single transaction may be limited. Western Union Prepaid Services Cardholders should refer to their Bank Card Agreement for additional terms and conditions.

Customer Inquiries and Comments

For customer inquiries or comments, please write to:
WESTERN UNION HOLDINGS, INC.
PO Box 6036, Englewood, CO USA 80112


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

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