Standard Terms & Conditions

References to “Western Union” mean “Western Union and its agents”.Western Union®

Money transfers can be sent and picked up at most Western Union agent locations worldwide. Customers may call the number listed below for the address and hours of nearby locations. Some locations are open 24 hours. Regular money transfers are usually available within minutes for pick up by the recipient, subject to the opening hours of the receiving agent location. Delays and other restrictions apply in certain countries. Call the number below for details.

Money transfers will normally be paid in cash, but some agents will pay by cheque or a combination of cash and cheque. All payments are subject to availability, receivers showing documentary evidence of identity and any other conditions applicable at the Western Union agent payment location. In limited circumstances, payment of a money transfer may be subject to local taxes and service charges.

TRANSFER FEES
Information explaining how Western Union charges the sender for making a money transfer will be explained by the Call Centre Operator so that you have sufficient opportunity to determine the fee before the money transfer is sent.

FOREIGN EXCHANGE
Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in U.S. dollars or other available currency). In addition to the transfer fee applicable to each transfer, all currency is converted at Western Union's current rate of exchange at the time the sender initiates the money transfer.

For transfers to Brazil, Argentina and China, the currency may be converted at the time the receiver is paid, in which case any amounts quoted at the time of send by the Call Centre Operator may be subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the fund.

Western Union's exchange rate may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Western Union will be kept by Western Union (and, in some instances, its agents) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling the number at the bottom of this page or on our website at www.ukmoneytransfer.com.

Sending to countries that provide payment in multiple currencies: You must select the currency of payment at the time you send money. The transfer fee and the money Western Union (or its agents) makes when it changes your funds into foreign currency may vary based on the payment currency that you select. Some Western Union agents may offer receivers the choice to receive funds in a currency different from the one you that you selected. In such instances, Western Union (or its agents) may make additional money when your funds are converted into the currency selected by the receiver.

SPECIAL SERVICES

TELEPHONE NOTIFICATION
to the receiver that the money transfer is available for pick up is offered in most countries for an additional fee.

MESSENGER DELIVERY
of a cheque or a bank draft is available in some countries to selected destinations for an additional fee.

SUPPLEMENTAL MESSAGES
may be included for an additional fee with money transfers sent to most countries.

TEST QUESTIONS
are required for all transactions to Africa (regardless of the principal amount) AND, in addition, the receiver may be required to provide documentary evidence of their identity. Please contact Western Union at the number listed below for current information regarding the use of a Test Question for the destination of your money transfer

REFUND
Western Union will refund the principal amount of a money transfer (at the applicable exchange rate described herein in effect at the time the refund is made) upon the written request of the sender if payment to the recipient is not made within 15 days. Refund of transfer fee will be made upon written request of the sender if the money transfer is not available to the receiver within the time specified for the selected service, subject to the business hours of the location selected for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its agents, such as inclement weather or telecommunications failure.

LIABILITY
Western Union will take reasonable care to perform the Money Transfer in accordance with the details given by you. Western Union will refund to you any benefit which it receives itself as a result of any breach of this agreement or wrongdoing (this means that, for example, where a payment has failed in such circumstances we will refund to you the principal sum and the transfer fee).
If the Money Transfer is delayed or fails, you may have the right to receive a refund or compensation under laws relating to the provision of international money transfers. We would be happy to provide you with details of your rights under these laws if you ring the Freephone telephone number below. If any loss which you or the receiver suffers is not covered by a right to payment under these laws, Western Union will only accept liability for the loss up to a limit which is the greater of (a) the amount of any transfer fee and (b) £250.00, unless otherwise agreed in writing.
In addition, in such cases, Western Union does not accept responsibility for any failure to perform the sender’s instructions as a result of circumstances which could reasonably be considered to be outside its control. Any claim for compensation made by you and/or the receiver must be supported by any available relevant documentation. The above shall not (i) exclude or limit liability on the part of Western Union for death or personal injury resulting from its negligence, or (ii) exclude liability for fraud committed by Western Union.
You the sender agree to accept the above limitation of liability not only for yourself, but also on behalf of the receiver. When Western Union accepts a cheque, credit or debit card or other non-cash form of payment from you, Western Union makes no promise to make payment of the money transfer if the form of payment is uncollectable, nor assumes any liability for damages resulting from non-payment of the money transfer because of such uncollectability. Western Union is agreeing to provide you with a money transfer service. It does not accept any responsibility for any goods or services which may be paid for by a money transfer. You are cautioned against sending money to any person you do not know. Applicable laws prohibit money transmitters from conducting business with certain individuals and countries.
In order to comply Western Union, is required to screen all transfers against a list of names provided by various governments and/or government agencies. If a potential match is found, Western Union will suspend the transfer and request additional information on either the sender or receiver, as necessary. Upon satisfactory review, the transfer will be released for collection. Western Union reserves the right not to accept, process or pay any money transfer that it determines in its sole discretion may violate any applicable law or Western Union policy.

DATA PROTECTION
The sender will be asked by the Call Centre Operator if he or she consents to the transfer and retention of their data outside of the European Economic Area. If the sender wishes to receive details of his or her data held by Western Union, he or she should contact the address noted below.

LAW AND JURISDICTION
This agreement, and the contractual and legal relationship between you and Western Union, is governed by and construed in accordance with the laws of England and the parties submit to the jurisdiction of the English courts in relation to any claim or proceeding relating to this agreement. All correspondence between you and Western Union, including all contractual documentation, shall be in the English language.

WESTERN UNION
Western Union services in the United Kingdom are provided by FEXCO Money Transfer Limited, a company registered in England with number 02383761 whose registered office address is at 1st Floor, 200 Hammersmith Road, London, W6 7DL.

FEXCO Money Transfer Ltd is an authorised agent of Western Union Network (Canada) Company, a Nova Scotia unlimited liability corporation with its principal address at 1959 Upper Water Street – Suite 800, Halifax, Nova Scotia B3J 2X2, Canada.

CUSTOMER RELATIONS
Written details of Western Union's Customer Relations procedures are available by telephoning the Free phone number below. If the sender and/or receiver is not satisfied with the Service they should also telephone the Free phone number below. A Western Union representative will investigate their concerns fairly and will endeavour to do so speedily.