Online Money Transfer Terms & Conditions

CONSUMER FRAUD ALERT: PROTECT YOURSELF, BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. Western Union does not guarantee delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider. Customer and Receiver agree not to use Services for escrow purposes.

THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL TERMS AND CONDITIONS AND APPLICABLE LAW.

1. WHEN YOU SEND MONEY WITHIN THE U.S. OR ITS TERRITORIES (“U.S.”), WESTERN UNION®, VIGO® AND ORLANDI VALUTASM (“OV”) MONEY TRANSFER SERVICES (COLLECTIVELY, THE “SERVICE(S)”) ARE PROVIDED BY WESTERN UNION FINANCIAL SERVICES, INC. (“WUFSI”). WHEN YOU SEND MONEY OUTSIDE THE U.S., SERVICES ARE PROVIDED JOINTLY BY WUFSI AND WESTERN UNION INTERNATIONAL SERVICES, LLC (“WUIS”). THE U.S. PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A WESTERN UNION, VIGO, OR OV AGENT. WUIS PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS (“AGREEMENT”) AND APPLICABLE LAW. Additional information regarding the Services may be obtained in this Agreement and at westernunion.com. As used in this Agreement, “WU” or “Western Union” refers to WUFSI for transactions sent within the U.S., and WUFSI and WUIS for transactions sent outside of the U.S., and “Agent(s)” refers to U.S. agents of WUFSI and/or international agents or representatives of WUIS, as applicable. Service and funds availability depend on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones. “Receiver(s)” or “Final Receiver(s)” means the recipient designated by the consumer (“You” or “Your”) to receive funds sent by You in the Expected Payout Location (“EPL”). For transactions sent within the U.S., EPL generally means any Agent location in the destination state or U.S. territory You identify. For transactions sent outside the U.S., EPL 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. Receiver will normally receive funds in cash, check, or a combination thereof; with some Services, funds may be credited to a bank account, prepaid, debit or credit card (“Card(s)”), mobile wallet (“Wallet”) or similar account (collectively, “Account(s)”). Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize WU to honor Receiver’s election of payout method. Receivers who choose to receive funds through a payout method other than cash or in a currency other than the one You selected may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on Receiver’s receipt of, or access to, transferred funds. Transactions may be reported to applicable authorities. Messaging and notification services may be included for additional fees. 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. WESTERN UNION RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.

2. ADMINISTRATION CHARGE: Transactions not picked up or canceled by You within 1 year of the send date will be assessed a non-refundable administration charge of up to $0.50 per month from the send date, not to exceed $42.00, 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).

3. REFUNDS: Subject to applicable law: (i) transactions may be canceled for a refund of the transfer amount, unless the funds have been picked up or deposited at the time WU receives Your written request; (ii) for certain services, excluding WU’s bill payment and prepaid products and services, WU may provide a transfer fee refund if funds are not available within the specified timeframe; and (iii) WU may charge You a fee to refund the transfer amount back to You in those instances where Receiver rejects Your funds. Qualifying refunds for transactions within the U.S. will be made within 45 days of receipt of Your valid written request. WU may issue Your refund through a Western Union money transfer or WU may issue the refund to the credit / debit card or bank account that was used to pay for the transaction. In lieu of receiving the refund by a Western Union money transfer, You may request WU to mail You a check in the amount of the refund. SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may be canceled for a full refund of the transfer amount and fees paid within 30 minutes of payment, unless the funds have been picked up or deposited. You may also receive a full refund in certain circumstances if You successfully assert an error or as otherwise provided under applicable law.

4. RESOLUTION OF DISPUTES: The parties agree to use their best efforts to settle any dispute, claim, question, or disagreement through consultation with Western Union, and good faith negotiations shall be a condition to either party initiating arbitration. If the parties do not reach an agreement to resolve the dispute within sixty days from the time the informal dispute resolution is initiated, unless you opt out as indicated below, then the parties agree any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute

Resolution Rules and Procedures, which are available at www.namadr.com/downloads.cfm or by writing to 990 Stewart Ave., 1^st Fl., Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125 of the administration fees. WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis only and the parties expressly waive their right to file a class action or seek relief on a class basis. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration and the class action waiver within 30 days after initiating a transaction by calling 1-800-325-6000 (WU), 1-866-519-0433 (Vigo) or 1-800-515-5505 (OV). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

5. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL WU 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 transfer amount and transfer fee and except as provided in California Financial Code § 2102); and (2) IN NO EVENT SHALL WU OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE. As permitted by applicable law, you may be entitled to your attorney’s fees and the costs of pursuing a dispute.

6. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside the U.S., You are contracting with both WUFSI and WUIS, which are conducting two separate money transfer transactions in order to make the money available to Final Receiver. In the first transaction, You are engaging WUFSI and its Agents to collect Your money and make it available to WUIS. In the second transaction, You are engaging WUIS to convert Your money into the correct currency and make the funds available to Final Receiver outside the U.S. In addition to the transfer fees, which are charged by WUIS, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by WU unless the laws of the EPL do not permit WU to set an exchange rate. Any difference between the exchange rate given to You and the exchange rate obtained by WU in the open market will be kept by WU (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures provided to You by WU. Payouts will generally be made in the national currency of the EPL (“Local Currency”). In some countries, You may designate a payout currency other than the Local Currency; however, the alternate currency You choose may not be available at all Agent locations. WU is not responsible for the currency exchange rate that will be applied if Final Receiver chooses to receive a currency other than the currency You selected.

7. SPECIAL TERMS FOR TRANSACTIONS TO ACCOUNTS: Where available, WU may allow You to credit a Receiver’s Account. The Account provider may impose additional fees on Receiver for receiving the funds into an Account. Unless required by applicable law, WU accepts no responsibility to You nor to any Account holder, for any fees imposed on Receiver by the Account provider. If the currency You select to send to an Account is not the currency in which the Account is denominated, the Account provider may convert the funds at its own currency exchange rate or reject the transaction. Receiver’s agreement with the Account provider governs Receiver’s rights, liabilities and fees (including fees to transfer cash out of a Card or Wallet), 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 limitations. In most cases, Receiver must be enrolled in a Card or Wallet program in order to receive a transaction. A Receiver who is not enrolled in a Card or Wallet program may be able to receive funds at an Agent location and may be subject to additional requirements. WU may make money from fees associated with use of a Card or Wallet. Neither WU, nor its Agents, endorse or recommend the services of any Card or Wallet provider.

IMPORTANT NOTICE FOR TRANSACTIONS TO “ACCOUNTS” (AS DEFINED ABOVE): PLEASE MAKE SURE THE ACCOUNT NUMBER, BANK DETAILS, CURRENCY SELECTED, AND/OR CARD OR MOBILE PHONE NUMBER ARE CORRECT BEFORE SENDING. OTHERWISE, MONEY MAY BE SENT TO THE WRONG ACCOUNT AND MAY NOT BE RECOVERED.

8. SPECIAL TERMS FOR TRANSACTIONS FROM ACCOUNTS: Where available, Western Union may allow You to pay for the Services by using an Account. The bank or other provider of an Account, including card issuers (the “Account Provider”) may impose additional fees on Your Account. The agreement with the Account Provider governs use of an Account and provides the rights and liabilities of the holder of the Account. Unless required by applicable law, Western Union accepts no responsibility to You or any Account holder for any fees imposed by an Account Provider. If the currency You select for Your transactions is not the currency in which an Account is denominated, the Account Provider may convert the funds at its own currency exchange rate or reject the transfers. Your use of an Account must be limited to personal or individual use only and not for use by or on behalf of any business or legal entity. Western Union may use the Automated Clearing House (“ACH”) network, book transfer, electronic funds transfer, wire transfer or other methods to process transactions relating to an Account. Western Union is not responsible for actions taken by the Account Provider, such as improperly posting the transactions. The total due is payable before Western Union processes the transactions. If Western Union does not receive authorization from the Account Provider, the transactions will not be processed, and funds will not be transmitted to the Final Receiver. Each time You use your Account to pay for Services, You agree that Western Union is authorized to charge Your Account for the total disclosed to You relating to the transactions.

IMPORTANT NOTICE FOR USING YOUR ACCOUNT TO PAY FOR THE TRANSACTIONS: By initiating the transactions from an Account, You (i) affirm You are the owner of the Account and have authority to initiate the transaction and (ii) authorize Western Union to initiate electronic debits and credits to Your Account to process and correct errors and resubmit the debit or credit, according to applicable rules, if a transaction cannot be completed. Western Union may by law be liable for damages caused by its failure to debit Your Account in accordance with these terms and conditions, in the correct amount or in a timely manner when properly instructed by You. However, Western Union will not be liable where: (1) You do not have enough money available in Your Account; (2) Your Account is closed or withdrawals restricted; (3) the transaction exceeds dollar or frequency limitations imposed by Western Union or Your Account Provider; (4) circumstances beyond Western Union’s control (such as flood, fire, power outages, mechanical or system failures); (5) Your Account Provider does not honor the transactions, the transactions are not processed or the transactions are returned by Your Account Provider; (6) Your instructions are lost or delayed in transmission to Western Union;

Western Union fails to process your transactions because of a reasonable security concern or the Service option has been discontinued or suspended, or Western Union otherwise advises You that Your request will not be processed; and
other exceptions allowed by applicable law.

9. IDENTITY AND LOCATION VERIFICATION: YOU AUTHORIZE WESTERN UNION TO REQUEST YOUR MOBILE CARRIER TO USE YOUR MOBILE SUBSCRIBER DETAILS FOR VERIFYING YOUR IDENTITY. THOSE DETAILS MAY INCLUDE NAME, BILLING ADDRESS, EMAIL, AND PHONE NUMBER. THIS INFORMATION MAY ALSO INCLUDE LOCATION INFORMATION, IF AVAILABLE.

10. USE OF THE WESTERN UNION WEBSITE, MOBILE DEVICE AND TABLET SERVICES:

1. 1. LOCATION BASED SERVICES: Subject to your expressed preferences, You acknowledge and authorize that information concerning the location of your mobile device, tablet or computer may be used to assess location. Location may be obtained at any time while logged into the website, mobile and tablet devise sites and applications (the “Website”). You expressly acknowledge that Western Union may use your location data to comply with applicable laws.
  2. INTELLECTUAL PROPERTY: The Western Union Website, the Services, the content, and all intellectual property therein (including but not limited to authors, patents, database rights, trademarks and service marks) are owned by Western Union, its affiliates or third parties, and all right, title and interest therein and thereto shall remain the property of Western Union, its affiliates and/or such third parties. The Website and Services may be used only for the purpose permitted by these Terms and Conditions. You may view and retain a copy of the pages of the Website only for Your own personal, non-commercial use. 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 Website, the Service or any portion thereof for any public or commercial use without the express written consent of Western Union. You shall not (i) use any robot, spider, scraper or other automated device to access the Website or Service; or (ii) remove or alter any author, trademark or other proprietary notice or legend displayed on the Website (or printed pages thereof). The name Western Union and other names and indicia of ownership of the Services 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 owners.
  3. LINKS TO OTHER SITES: The 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. Links do not imply that Western Union is associated with or 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.

11. 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. WU 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 WU shall be truthful and complete. You shall indemnify WU and its Agents for all losses of any kind (including attorney fees) arising out of any Agreement breach by You or Receiver. WU reserves the right to change Services without notice. WU and its Agents may refuse to provide Services to any person.

12. PRIVACY: We may collect and disclose personal information to third parties as explained in our Privacy Statement. To get a copy, visit Western Union Privacy Statement or email wuprivacy@westernunion.com . We collect personal information, for example, when You transact with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other means; use or visit our or other apps or online sites; enter a promotion; register for communications; or join a loyalty program. We also collect information from many sources and may collect, track and combine information across devices, platforms and channels. Information disclosed may include financial data (e.g., information on transactions with us and other financial matters), contact information, identification, computer, mobile device and social network information. Recipients may include financial and non-financial companies, service providers, government agencies and direct marketers. You may direct us to limit certain disclosures, and Your choice will apply until You change Your choice or we delete Your data. To limit disclosures (opt out), email wuprivacy@westernunion.com.

13. CONSUMER FRAUD ALERT: PROTECT BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. WU does not guarantee delivery or suitability of goods or services paid for with Services. WU is not an escrow service provider. You and Receiver agree not to use Services for escrow purposes.

14. RECEIVING SMS and MMS COMMUNICATIONS FROM WESTERN UNION WHEN YOU OPT-IN TO RECEIVE SMS and MMS COMMUNICATIONS FROM US, YOU AGREE:

1. 1. To the terms set forth in this Section 14.
  2. Subject to Your preferences, Western Union will send You text messages with service updates or offers and promotions via the mobile telephone number You used to register for services or to opt-in. Message frequency varies based on a number of factors, including how You use our services. We may use any automated or non-automated technology to send You service and/or promotional messages.
  3. You have entered Your mobile telephone number correctly and You are the owner or authorized user of the number provided.
  4. You will contact us to let us know (within 48 hours) if Your mobile telephone number changes or is reassigned.
  5. You understand that Your mobile carrier’s messaging and data rates may apply. All charges are billed by and payable to Your mobile service provider. Western Union does not charge You for receiving text messages from us.

How to Opt-In and Opt-Out of Western Union SMS Marketing Communications
i. Opt-In. We will provide You with opportunities to opt-in to receive SMS text messages by providing Your phone number in person or online. You will receive an initial text message notifying You of Your choice, and if You have opted-in to receive updates regarding special offers and promotions, a message requesting confirmation of Your choice through an affirmative reply to reflect Your agreement to receive commercial messages via text messaging.

ii. Opt-Out. You can opt-out of receiving commercial text messages at any time, which will discontinue Your receipt of the relevant communications. You will need to opt out using one of these three methods:

Send an SMS text message with the word “STOP” to: US Offers and Promotions SMS – 76862
Call Western Union Customer Care and request to be opted out of commercial text messaging. Relevant toll-free phone numbers may be found here .
You may submit a request to opt-out of commercial text messaging through Western Union’s Data Subject Access Request Portal . We will endeavor to respond to Your request within 10 days, but response time may vary depending on the laws and regulations applicable to Your request.

iii. Customer Support. If at any time You need additional information or information on how to stop text messages, reply “HELP” to any text message we send. We will respond with instructions how to unsubscribe. You can also receive customer support by contacting Western Union Customer Care. To contact us via a toll-free or local phone number, please follow this link to ContactWestern Union Customer Care: https://wucare.westernunion.com/s/customer-care-home .

Unsubscribing from Western Union commercial text messages will not opt You out of receiving other communications from Western Union. For more information on opting out of other communications, please see the Western Union Privacy Statement .

Western Union Marketing SMS (Short Code 76862)

Terms of Service

When you opt-in to the promotional SMS from Western Union, we will send you a text message to confirm your signup. Messages will be sent from short code 76862. When you reply “YES” to 76862 you expressly consent to receive promotional marketing SMS from Western Union to the designated mobile number you have provided.

You can sign up to receive marketing SMS from Western Union at any participating Western Union agent location or at wu.com. Message and data rates may apply. Message frequency may vary

You can opt out from marketing SMS messages at any time. Text “STOP” to 76862.

And you can opt out from marketing SMS messages at any time. Text “STOP” to 76862. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive marketing SMS messages from us.

If at any time you need additional information or information on how to stop text messages, reply to any text message we sent to you and send a text message with the keyword HELP to short code 76862. After you send the message “HELP” to us, we will respond with link to our Help Center as well as instructions how to unsubscribe.

Participating SMS carriers: SouthernLinc, Bandwidth, Google Voice, Buffalo Wireless, Chariton Valley Cellular, Leaco, CableVision, Copper Valley, AT&T, Sprint/Boost/Virgin, T-Mobile/MetroPCS, Verizon Wireless, CellCom USA, C Spire Wireless, U.S. Cellular, Pine Belt Wireless, ACS/Alaska, Atlantic Tele-Network International (ATN), Advantage Cellular (DTC Wireless), Appalachian Wireless, Bluegrass Cellular, Cellular Network Partnership (PIONEER), Cellular One of East Central Illinois, Chat Mobility USA, Coral Wireless (Mobi PCS), Element Mobile (Flat Wireless), Epic Touch (Elkhart Telephone), GCI Communications Corp, Golden State Cellular, Illinois Valley Cellular (IV Cellular), i Wireless (IOWA Wireless), Nex-Tech Wireless, MTA Communications, MTPCS (Cellular One Nation), Cross Telephone Company (MBO Wireless), Duet IP (Maximum Communications New Core Wireless), Inland Cellular Telephone Company, Immix(Keystone Wireless), Mosaic (Consolidated or CTC Telecom), Northwest Missouri Cellular Limited, Peoples Wireless, Panhandle Telecommunications Systems(PTCI), RINA, Revol Wireless USA, SI Wireless/Mobile Nation, SRT Wireless, Texas RSA 3 Ltd(Plateau Wireless), Thumb Cellular, United Wireless, Union Telephone Company(Union Wireless), Viaero Wireless, West Central Wireless (5 Star Wireless), Sagebrush Cellular (Nemont), Carolina West Wireless (CWW), Pine Cellular, Aio Wireless/Cricket.

T-Mobile is not liable for delayed or undelivered messages.

As always, message and data rates may apply for any messages sent to you from us and to us from you. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

For all questions about Western Union services you can call our Customer Care at 1800 325 6000

If you have any questions regarding privacy, please read our privacy policy at Link to Privacy Policy.

Western Union Transactional SMS (Short Code 98184)

Terms of Service

When you opt-in to the promotional SMS from Western Union, we will send you a text message to confirm your signup. Messages will be sent from short code 98184. When you reply “YES” to 98184 you expressly consent to receive transactional SMS from Western Union to the designated mobile number you have provided.

You can sign up to receive transactional SMS from Western Union at any participating Western Union agent location or at wu.com. Message and data rates may apply. Message frequency may vary

You can opt out from transactional SMS messages at any time. Text “STOP” to 98184.

And you can opt out from transactional SMS messages at any time. Text “STOP” to 98184. After you send the message “STOP” to us, we will send you a reply message to confirm that you have been unsubscribed. After this, you will no longer receive transactional SMS messages from us.

If at any time you need additional information or information on how to stop text messages, reply to any text message we sent to you and send a text message with the keyword HELP to short code 98184. After you send the message “HELP” to us, we will respond with link to our Help Center as well as instructions how to unsubscribe.

T-Mobile is not liable for delayed or undelivered messages.

For all questions about Western Union services you can call our Customer Care at 1800 325 6000

If you have any questions regarding privacy, please read our privacy policy at Link to Privacy Policy.

The Western Union Company, our subsidiaries and affiliates (“Western Union” or “we” or “us” or “our”) offer customers the opportunity to receive communications regarding Western Union services via SMS text messages. If you choose to opt in, you will receive SMS text messages with alerts, information, and service updates, as well as special offers, promotions, and marketing offers (subject to your preferences). Your use of Western Union SMS communications is governed at all times by these SMS Terms and Conditions. You can opt-out of SMS text messages at any time by following the instructions below.

Consent

WHEN YOU OPT-IN TO RECEIVE SMS COMMUNICATIONS FROM US, YOU AGREE:

To these SMS Terms and Conditions and the use and processing of your personal information in accordance with the Western Union Privacy Statement.
Subject to your preferences, Western Union will send you text messages with service updates or offers and promotions via the mobile telephone number you used to opt-in. Message frequency varies based on a number of factors, including how you use our services. You are not required to enter this agreement as a condition of using Western Union’s financial services. We may use any automated or non-automated technology to send you service and/or promotional messages.
You are over the age of 18 and you are authorized to enter into this agreement.
You have entered the mobile telephone number correctly and you are the owner or authorized user of the number provided.
You will contact us to let us know (within 48 hours) if your phone number changes or is reassigned.
You understand that your mobile carrier’s messaging and data rates may apply. All charges are billed by and payable to your mobile service provider. Western Union does not charge you for receiving SMS text messages from us.

How to Opt-In and Opt-Out of Western Union SMS Communications

Opt-In. To opt-in to Western Union SMS Communications:

We will provide you with opportunities to opt-in to receive SMS text messages by providing your phone number in person. You will receive an initial text message notifying you of your choice, and if you have opted-in to receive updates regarding special offers and promotions, a message requesting confirmation of your choice through an affirmative reply to reflect your acceptance of these SMS Terms and Conditions.

Opt-Out. You can opt-out at any time, which will discontinue your receipt of the relevant communications. You will need to opt out using one of these three methods:

Send an SMS text message with the word “STOP” or “” to the applicable number below. If you have requested to receive both SMS text message service updates and special offers and promotions, you must opt-out from each. You will receive one return SMS text message confirming you have been opted-out.
- US Service Updates SMS – 98184
- US Offers and Promotions SMS – 76862
- CA Service Updates SMS – 251476
- CA Offers and Promotions SMS – 251490

Call Western Union Customer Care and request to be opted out of SMS text messaging. Relevant toll-free phone numbers may be found here.
You may submit a request to opt-out of SMS text messaging through Western Union’s Data Subject Access Request Portal. We will endeavor to respond to your request within 30 days, but response time may vary depending on the laws and regulations applicable to your request.

Customer Support. If at any time you need additional information or information on how to stop text messages, reply “HELP” to any text message we send. We will respond with instructions how to unsubscribe. You can also receive customer support by contacting Western Union Customer Care. To contact us via a toll-free or local phone number, please follow this link to Contact Western Union Customer Care: https://wucare.westernunion.com/s/customer-care-home

Opting-out of Western Union SMS text messages will not opt you out of receiving other communications from Western Union. For more information on opting out of other communications, please see the Western Union Privacy Statement.

Not all carriers and devices support SMS & MMS. Western Union and the Carriers are not responsible or liable for delayed or undeliverable messages. For a supported carrier list, please see below.

Resolution of Disputes

The parties agree to use their best efforts to settle any dispute, claim, question, or disagreement through consultation with Western Union, and good faith negotiations shall be a condition to either party initiating arbitration. If the parties do not reach an agreement to resolve the dispute within sixty days from the time the informal dispute resolution is initiated, then the parties agree any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation (“NAM”) under its Comprehensive Dispute Resolution Rules and Procedures, which are available at www.westernunion.com/arbitrationinfo or by writing to 990 Stewart Ave., 1^st Fl., Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125 of the administration fees. WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis only and the parties expressly waive their right to file a class action or seek relief on a class basis. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration and the class action waiver within 30 days after initiating a transaction by calling 1-800-325-6000 (WU), 1-866-519-0433 (Vigo) or 1-800-515-5505 (OV). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

Cellular, United Wireless, Union Telephone Company(Union Wireless), Viaero Wireless, West Central Wireless (5 Star Wireless), Sagebrush Cellular (Nemont), Carolina West Wireless (CWW), Pine Cellular, Aio Wireless/Cricket.

MARKETING SMS COPY

Initial SMS message, sent once following collection of consent at retail or digital to send marketing SMS to customer:

WesternUnion: Reply YES to receive WU offers and promos via SMS. Reply HELP for help, STOP to cancel. Msg&data rates may apply. T&Cs apply http://wu.is/anekD.

Confirmation SMS after User Replies with YES

Western Union: Thank you for signing up to receive WU offers and promotions via SMS. Reply STOP to cancel.

Cancellation SMS after user replies STOP

Western Union: You have unsubscribed from WU offers and promos SMS and will receive no more messages. Reply HELP for help. http://wu.is/anekD

HELP SMS

Western Union: WU SMS offers and promos. Reply STOP to cancel. Msg&data rates may apply. Msg freq may vary. T&Cs apply http://wu.is/anekD.

SERVICE SMS COPY

Initial SMS message, sent once following collection of consent at retail or digital to send service SMS to customer:
Western Union: Thank you for signing up to receive WU service updates via SMS. Reply HELP for help, STOP to cancel. Msg&data rates may apply. T&Cs apply http://wu.is/anekD.
Cancellation SMS after user replies STOP

Western Union: You have unsubscribed from WU SMS service updates and will receive no more messages. Reply HELP for help. http://wu.is/anekD

HELP SMS

Western Union: WU SMS service updates. Reply STOP to cancel. Msg&data rates may apply. Msg freq may vary. T&Cs apply http://wu.is/anekD.