WUPSIL Terms and Conditions

In the European Economic Area (EEA), the Service is offered by Western Union Payment Services Ireland Limited (“WUPSIL” or “Western Union”) through a network of authorized agents acting on behalf of WUPSIL (“Agents”). For the performance of the Service, WUPSIL externalizes certain operational functions with other affiliated entities of the Western Union group and selected third party services providers. WUPSIL is a subsidiary of Western Union Company, an Irish company, whose head office is at Unit 9, Richview Business Park, Clonskeagh, Dublin 14, Ireland.

The regulatory authority of Western Union Payment Services Ireland Limited is the Central Bank of Ireland (the “Central Bank”): WUPSIL is licensed as a payment services provider in the payment services provider registers of the Central Bank under number E0471360. For further information, please consult www.centralbank.ie.

Western Union offers a domestic Service nationally as well as an international Service. By initiating a transaction to send or receive funds, by identifying yourself as requested and by accepting the transaction receipt, you agree to the execution of the transfer of funds. Before confirming the transfer of funds, you will be informed of the maximum time it takes to execute the transfer, the price invoiced and the exchange rate applicable to the transaction, through the same channel as the one used to order the execution of the transfer. You must inform your recipient of the transfer of funds by giving notably to the recipient the name of the sender, the country of origin, the approximate amount of the transfer, the money transfer control number (“MTCN”) and all other terms and conditions which will be applicable at agency.

You must be at least 18 years of age to be entitled to use the Service. According to the applicable law, money transfer services providers are prohibited from establishing relationship with certain persons and certain countries and Western Union will therefore not be able to offer the Service to these persons and in these countries. Western Union is required to screen all transactions with lists of names provided by the governments of the countries and territories in which it does business, including, without limitation, the American Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, Western Union examines the transaction to determine whether the name corresponds to the person on the list. Customers may occasionally be requested to provide additional proof of identity or other information which may delay the transactions. This is a legal obligation applicable to all transactions carried out by Western Union. For further information, please call 09 69 36 60 50*.

Payment conditions and liability – Payment must be made to the person who, according to Western Union procedures, is authorized to receive this payment. The payment may be made even if the form completed by the recipient contains minor errors, but not under any circumstances if the MTCN provided is incorrect. Payment may be made after checking identity documents of the recipient containing a photograph, issued by the government, and only if the recipient has given information regarding the transaction which is required by Western Union, in particular, the amount of the sum transferred, the name of the sender, the correct MTCN as well as the country from which the funds are sent. Western Union has fulfilled its obligations when the sum of the funds transferred has been paid to the person who has provided the information regarding the transaction referred to above. Western Union will examine the information regarding the transaction provided by the recipient and the identity document produced with due care and will refuse to make the payment if there is any reason to doubt the authenticity of this identity document.

You are responsible for ensuring that the information you provide is correct, complete and legible. You must ensure that nobody, apart from the recipient, has knowledge of the data regarding the transfer of funds. Western Union recommends only transferring sums of money to people you know personally. Western Union does not guarantee the delivery or the quality of the goods or services that would be paid by using the Service.

If you think that the information regarding your transaction has been stolen, lost or copied, please contact Western Union immediately by calling 09 69 36 60 50*. Before informing Western Union of the loss, theft or improper use of the information regarding your transaction, your liability will be invoked if (i) you have sent the information regarding the transaction to other people apart from the recipient and consequently have contributed to this improper use or if (ii) you have not immediately reported this loss, theft or this improper use or if (iii) you have acted with the intention of committing fraud deliberately or have committed gross negligence.

Western Union will be liable for the damages caused by the deliberate failure or gross negligence of its employees and its Agents while processing your transaction in accordance with current law. The liability of Western Union, its affiliated companies and its Agents may not be called into question in the event of simple negligence. The liability of Western Union and of its Agents will be limited to the reimbursement of reasonably foreseeable damage in the context of transferring the funds up to 1.000 EUR (which will be added to the sum transferred and related costs). Western Union and its Agents may not, under any circumstances, be held liable if you have knowingly or negligently shared information regarding the transfer to people other than the recipient. The liability of Western Union or of its Agents may not be called into question either in the event of damages caused by force majeure (notably in the event of a failure of telecommunication systems, civil riots, wars or events beyond the control of Western Union or of its Agents (such as strikes, industrial blockages or orders issued by government authorities).

If a Western Union Agent accepts a check, debit or credit card, or any other non-cash means of payment, neither Western Union nor its Agent will be obliged to execute the transfer or settle the amount of the transfer before the payment for the Service has been collected. Furthermore, neither Western Union nor its Agents will be liable for damages caused by the non-payment of the transfer to a recipient due to the receipt by Western Union or its Agents of non-cash means of payment or because the transfer has only been made when Western Union or its Agents have been able to collect the payment concerned.

Western Union and its Agents might refuse to provide the Service to a person, without giving the reason for this, in particular, in order to prevent fraud, money-laundering or the financing of terrorism or in order to comply with the applicable law, a judicial decision or a requirement from a regulatory or governmental authority. The transfer of funds may be delayed or the Service may be unavailable according to conditions specific to certain transactions such as the sum sent, the country of destination, the availability of the currency, regulatory aspects, requirements in terms of identification, the opening times of the Agent’s offices, differences in time zones or the choice of options which may delay the Service. Other restrictions may also be applicable. For further information, please call 09 69 36 60 50*.

Subject to legal or regulatory provisions, the funds will be available to be withdrawn by the recipient at the latest at the end of the business day following the day on which Western Union or its Agent has received (“Date of Receipt”) the sum transferred and the related costs. For money transfers sent in paper form, this deadline will be extended by one additional business day. In the event of (i) money transfers outside the EEA or of (ii) money transfers for which more than one currency conversion must be carried out between the Euro and the currency of a member state of the European Union or of the EEA not forming part of the Euro zone or potentially of (iii) international transfers of funds not being made in Euros, the funds will only be available to be withdrawn by the recipient at the latest at the end of the fourth business day following the Date of Receipt.

Ordinary transfers of funds are generally available for withdrawal within a few minutes, unless you have chosen a deferred service option if this option is available, in which case the funds will be available later to be withdrawn by the recipient, up to 24 hours after the time the funds are sent, depending on the chosen deferred service option.

Information on the prices and costs that you must pay to Western Union for the Service as well as information regarding the exchange rate(s) that will be applied are provided on the money transfer receipt. The transfer of funds is usually paid in the currency of the country of destination (in some countries, payment is only available in another currency). The effective exchange rate will be determined when the transfer of funds is confirmed in our system. All currencies are converted at the current exchange rate at Western Union. However, for certain countries, due to conditions specific to local law, the exchange rate can only be an estimate and the exchange rate applied will only be determined at the time of payment. Western Union calculates its exchange rate based on the interbank rates available on the market, increased by a margin. Western Union and its Agents may also generate revenue on exchange rates. Most exchange rates are adjusted several times a day according to the rates prevailing on the financial markets throughout the whole world. To the extent authorized by law, Western Union may deduct administrative expenses from transfers for which the funds have not been withdrawn during the year following the date of receipt. For further information, please call 09 69 36 60 50*.

The recipient may incur additional costs in order to receive money from the sender by cellphone in some countries, or on an account. The contract made between the money sender and their cellphone operator, mobile wallet or account services provider governs the conditions applicable to the account and defines the rights, liability, costs, availability of the funds and limitations regarding this account. If there is a discrepancy between the account number or the cell phone number and the name of the recipient, the transfer money will be credited to the account number provided by the sender. Western Union will not assume any liability in relation to the sender or to any account holder with regard to the costs or exchange rates applied for a conversion into non-local currency or actions or omissions of financial services providers acting as intermediaries or operating in the destination country of the transfer. Western Union sends, free of charge, a notification by SMS in a certain number of countries to indicate to the sender that the recipient has collected the money transfer or to inform the sender that the funds are available for withdrawal. If the sender or the recipient asks to be informed by SMS of the availability or withdrawal of the funds, Western Union is not liable for the costs owed by the sender or the recipient for SMS messages, and the expenses applied by the services provider will be exclusively at the expense of the sender or the recipient.

Conflicts of interest – WUPSIL provides the Service on behalf of its customers. Money transfers do not cause conflicts of interest that might harm the interests of its customers. In the event of a conflict of interest which cannot reasonably be avoided, WUPSIL a) will report the nature and/or the source of this conflict of interest to the customer and b) will ensure that this conflict does not harm the interests of the customer.

Cancellation and refund of money – You may cancel the money transfer of funds in priority in the offices of an Agent or, by default, by calling 09 69 36 60 50*, while the recipient has not withdrawn the funds or, in the event of transactions on account while Western Union has not delivered the funds to the account services provider. If the cancellation is possible, Western Union will refund directly or via its Agent the transferred sum minus the transfer costs applied to the Service. As a general rule, refunds will be dealt with up to 10 business days as from your request. In all cases, if the transfer is not paid to the recipient within 45 days, you are entitled to request the refund of the principal sum of money transferred by writing to WUPSIL by mail or email. Western Union will reimburse the transfer costs following your written request to WUPSIL by mail or email if the funds are not available to the recipient within the deadline specified above, provided that the delay is not due to a case of force majeure or caused by circumstances beyond Western Union’s (or the Agents’) control such as statutory requirements, adverse weather conditions or telecommunication failures. The payment of certain transfers of funds may be delayed due to the application of the laws in force in the United States or other applicable laws.

French law governs the present general terms and conditions of service to our customers, subject to the other laws and regulations that would be applicable to WUPSIL for the Service.

If you wish to make a complaint, if you think that an error has occurred or if you have a question regarding the Service, please contact customer service by telephone on 09 69 36 60 50* or contact us via our website www.westernunion.fr. We will investigate your request and send you a reply within 15 business days in the language of the country from which the transfer has been sent. If you are not satisfied with the reply, you are entitled to send your complaint, in the language you will choose, whether in writing to the Irish Financial Services Ombudsman, 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 6620899 or by sending an email to enquiries@financialombudsman.ie or by contacting a mediation organization which is locally competent in France and specifically dedicated to the financial services WUPSIL offers.

You will find further information on mediation at the following address ec.europa.eu/consumers/solving_consumer_disputes/non-judicial_redress/national-out-of-court-bodies/index_en.html

With regard to the processing of your personal data, Western Union, as data controller, uses and processes your personal data in accordance with the detailed notice of information “Data Privacy Statement” which you can request from our Agent or obtain from the address: privacy@westernunion.com.

* Calls are not charged at premium rate. Our lines are open from Monday to Friday from 8:00 A.M. TO 7:30 P.M. and on Saturdays from 8:00 A.M. to 1:00 P.M.

Western Union Payment Services Ireland Limited –

Registered office : Unit 9, Richview Office Park, Clonskeagh, Dublin 14, Ireland