Ersal Money Transfer (“Ersal”), in cooperation with Western Union International Limited and its affiliates (“Western Union”/“WU”) , provides money transfer service (“Service”) through the Western Union online site and application. Though, access to and use of the Service is subject to Western Union’s terms and conditions, we encourage you (“Customer”) to read and accept the following terms and conditions for Ersal’s electronic services. Your registration with and use of any of these electronic services constitutes your acceptance of these terms and conditions and your agreement to comply with them.
1. Ersal electronic service, through the Western Union website and application, enables the Customer to utilize a number of services, such as adding beneficiaries, transferring money, and status inquiry for transfers.
2. Customer is required to open an account/membership through an Ersal branch, in order to perform money transfers, and to update CIF data upon renewing Customer ID and to provide Ersal with copy of the same. Also, customer is required to notify ERSAL in writing of any changes to address/mobile number, and the last address/ mobile number provided by Customer which shall be deemed the approved contact address/mobile number. ERSAL shall be entitled to block the CIF without any prior notice.
3. Customer is required to complete their data and the beneficiary’s data with accuracy; also, Customer agrees to exempt Ersal from any liability, claim, or compensation in the event of (a) inaccuracy or lack of data provided by Customer, including the beneficiary’s data, (b) not processing the transfer for any reason outside of Ersal’s controls; (c) failure to execute for any reason concerning the Customer, beneficiary, or any other party.
4. Customer acknowledges that they are not legally prohibited to deal with Ersal or to provide Ersal with correct and accurate data and information, and they have read, understood, and accepted the current terms and conditions
5. Ersal has the right, after obtaining Western Union‘s written consent, to cancel a transaction in the case that Customer does not respond to any inquiries within 10 days from the date of said inquiry ,; accordingly , Customer shall bear all expenses related to said transaction.
6. Ersal may adjust the approved limits of transactions/remittance as required by Western Union policy and Ersal internal procedures.
7. The exchange rate applicable to the transfer will be subject to Western Union’ terms and conditions, which shall be implemented by “ERSAL” on the day of the remittance. The exchange rate may be affected by changes in foreign currency rates.
Transfers from outside the Kingdom of Saudi Arabia are made in foreign currencies. The currency exchange is performed at the exchange rate determined by Western Union in a timely manner and applied at the send side on the date of transfer. The price of the product/service may be affected accordingly.
8. In the event of refund, amendment of transfer (s) or change in original instructions, the applicable exchange rates are those applied on the day of change/ refund/ amendment of instructions; any additional costs incurred in processing the refund of a transaction shall be borne by the Customer (the amount refunded to the customer will not exceed the principal remittance amount).
9. the remittance payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternate currency). All currency is converted at Western Union’s then current rate of exchange, calculated based on commercially available interbank rates plus a margin. Most rates of exchange are adjusted several times daily in line with the relevant closing rate of financial markets globally.
If transfer currency is different from currency of the country to which the transfer is made, payment to beneficiary shall be in the currency of the transfer, unless beneficiary agrees to receive the transfer in the currency of that country and at the exchange rate prevailing at the correspondent bank or agent, under an arrangement between the beneficiary and the correspondent bank or its payment agent, with deduction of expenses, if any.
10. Ersal shall have the right, after informing Western Union, to reject any request related to log in or access to the Ersal system, as well as any instructions or inquiries which come from the user through the WU website and application.
11. Customer has authorized Ersal to execute all instructions coming from the customer or the user through the WU website and application.
12. Ersal is committed, subject to its own discretion, to execute all instructions required by the customer, provided that such instructions and transactions comply with the Ersal system, conform to Ersal’s work procedures and, comply with instructions of concerned authorities.
13. Ersal shall credit the customer’s account with any funds and transactions executed by customer using the Ersal system. Customer shall be fully responsible for all obligations that arise from the use of the Service, Customer has authorized Ersal to deduct from customer’s bank account connected to the Service, without informing them, any financial liabilities resulting from using Ersal system.
14. The user shall incur all expenses and charges – that may change from time to time – related to using Ersal Service through the WU website and application. Customer shall be informed of these changes or modification which shall be announcement through the available channels used by Ersal . The Customer continuity in dealing with Ersal through the WU website and application shall be deemed an acceptance of such amendment or modification, the amendment to charges does not apply to any pre-adjusted transactions.
15. Customer may cancel subscriptions pursuant to a written request delivered to Ersal and shall be fully responsible for the services and transactions executed till the date of acceptance of such cancelation by Ersal.
16. Customer acknowledges their full responsibility for their personal use of the Ersal system through the Western Union website and application in accordance with the established purposes and terms and conditions of such use. Customer also acknowledges their responsibility for the execution of remittance transactions performed online or via the application along with any other use performed by an authorized person through the use of access credentials, user ID, and password. Customer further acknowledges to protect the aforesaid credentials and not disclose them to any person, authority, or Ersal or WU employee. Additionally, customer acknowledges that their password is deemed as their personal signature, irrespective of who uses it. Ersal shall not bear any damages, consequences, losses, or indemnities resulting from non-commitment by the customer to any of the aforementioned. The customer shall be responsible for the validity, correctness and regulation of all transactions performed using Ersal services.
17. Customer shall incur all charges and expenses related to connecting their computer with the Ersal system, plus any fees paid to any service provider. After obtaining Western Union’s prior written consent, Ersal may add any fees arising from any additional services required by the user through the Ersal system, and the Western Union website and application (such as the services of other providers) and customer shall be informed, through Ersal online service, if such fees are incurred.
18.Ccustomer acknowledges that Ersal, its affiliates, its employees, and Western Union are not responsible for any losses, damages, financial claims or the like caused by the use of Customer’s ID and password. Customer commits to notifying Ersal, in writing, if they become aware that their user ID and password have become known to others so that Ersal can take the required action. The customer shall be responsible for all transactions and instructions sent via their credentials until Ersal receives the written request/ notice.
19. Customer is obligated to keep confidential all data, information, and transactions whichcan be accessed and downloaded or stored from the internet or any other computer. Customer shall be responsible for any unauthorized use and all consequences, losses, and damages which may result from such unauthorized use including direct or indirect losses and damages caused to Ersal or Customer.
20. Customer acknowledges that he has no ownership, intellectual, or publication rights to the programs and documents related to Ersal online service; and agrees that he shall not allow to copy, amend, download or transfer the online service programs to similar electronic devices.
21. Ersal may cancel or suspend its online Service at any time , after informing Western Union , to protect the Ersal company and its customer or for any other reason that Ersal company deems necessary. Customers will be informed through Ersal channels if this happens.
22.The customer agreed to authorize Ersal to send all correspondences and notices related to this service through customer’s mobile number or email recorded in Ersal system; and committed to take every possible precaution to keep confidential the contents of such correspondences and shall be responsible in the event of any default on this commitment.
23.Customer agrees to authorize Ersal to record all communication and instructions, including the instruction of adding other users to the online service, and the content of such voice recordings, shall be deemed evidence in the event of using Ersal’s toll free number.
24. Ersal exerts reasonable efforts to ensure availability and functionality of Ersal system and shall inform customers of any interruption of the service. Ersal shall be responsible for executing user’s instructions sent through Ersal system (through Western Union website and application) and received by Ersal. Ersal shall not bear any responsibility, losses or indemnities resulting from fault, failures or defects in the equipment’s and communication lines which may have an effect on the accuracy of the messages sent by the user or on the receipt of customer’s instructions.
25. Ersal shall not present any representations or warranties in relation to quality, swiftness, performance, accuracy or the like, and does not undertake that service shall be free of defects or errors. Customer agrees to disclaim Ersal of all issues related to such defects and errors, provided that such defects and errors are not caused by breach or negligence on the part of Ersal
26. In the event of any damage caused by the suspension of Service, Customer shall be entitled to submit a written complaint to Ersal company stating the damage caused by the interruption of the service to resolve the complaint whenever possible. Ersal shall not be liable for any consequences that may occur if the service is totally or partially interrupted for any emergency reason beyond Ersal ’s control.
27. The data and information the user receives from Ersal or any other service provider shall be deemed reliable and the user shall be provided by such data and information on the basis of exerting the possible efforts to ensure its ease. Yet, accuracy of said information is not guaranteed and, consequently, Ersal shall not be liable for any shortfall, inaccuracy, or delay of such data and information, or for any decision made by others for using those information .
28. Ersal shall not be liable for any computer virus or problems related to the information arising from the services provided by any of the information providers or resulting from the user’s personal computer. Ersal shall also not be responsible for any piracy or fraud actions.
29. Ersal shall make efforts to solve any technical problems that may face the users of the Service, and said problems should be reported by the Customer through Ersal channels or WU web site or application, or Ersal phone numbers or branches as soon as possible, depending on the nature of the problem and the time it takes to be resolved at Ersal’s discretion.
30. The user shall activate/end Ersal electronic service via Western Union website or application through Ersal channels. Ersal shall not be responsible for any liabilities that may result from activating or discontinuing the Service by Customer.
31. Customer will be blocked automatically from using Ersal service through WU website and application if customer does not use user’s name for 180 consecutive days or if Customer enters the password incorrectly three times. Customer can activate the user ID again by entering the required data on password recovery page in Ersal system (through Western Union website and application).
32. Ersal is committed to maintaining the confidentiality of customer data. Customer’s information will not be disclosed to any third party unless Customer has been notified in advance through disclosure statements or agreements, or by obtaining authorization from Customer, or if disclosure of customer’s information has been required by authorities.
33. Ersal has the right to change or modify these terms and condition at any time. Such changes or amendments are effective from the time they are announced via available channels. Customer’s continuity in using Ersal services is considered as an acceptance of the amendment.
34. Neither Ersal nor its correspondents or agents shall have any liability to Customer or beneficiary for any late payment or non-delivery to a beneficiary due to omissions, errors occurring in the electronic transmissions, equipment failure, strikes, any incorrect or unclear information provided by Customer, or error and / or misunderstanding of the third party.
34. Customer confirms that the remittances are for personal purposes only and not for business purposes and that they own the CIF and have a direct relationship with the beneficiaries, and also that, these remittances are not made on behalf of a third party.
36. Customer acknowledges and understands that Saudi law forbids transferring funds to any beneficiary who is not known or has no legal relationship with the remitter, or with no legal purpose of remittance.
37. Ersal does not accept remittances for any purpose prohibited by religion. Ersal has the right to stop this type of transactions without any obligations or responsibility.
38. Customer agrees that Ersal may update and share Customer data, i.e., name and telephone number, with WU for the purpose of providing marketing services and remittance services through WU website and application.
39. Ersal records and documents are correct and binding on the Customer. Customer may not object to these except in the case off any proven illegal transaction, and Ersal and its authorized agent have no direct or indirect relation with said transaction. customer undertakes to inform Ersal immediately of such event.
40. In case payment is made via mada card, Customer agrees to the following:
40.1- The card must be used by the cardholder only, and must be connected to the bank account of a user in the Kingdom of Saudi Arabia.
40.2 No transfers shall be made on behalf of another person
40.3 Customer shall be registered with Ersal and shall be responsible for all transactions processed through the service
40.4 The cardholder shall be responsible for all transactions processed by using their card.
40.5 The cardholder accepts that, Ersal records are final and binding to all parties.
40.6 Transactions processed by means of the card shall be subject to these terms and conditions.
41. Customer acknowledges his responsibility for the funds used in the transfer transactions from his account, and he must inform the official authorities of any known suspicious transactions immediately, whether or not he was aware of them or if subsequently he used or did not use them in person.
42. Any dispute which arises during the execution of these terms and conditions which the two parties fail to resolve amicably will be referred to the concerned Judicial Authorities in the Kingdom of Saudi Arabia.
43. The Arabic language is the official language for the interpretation of these Terms and Conditions.
44. All terms and conditions of this Agreement are subject to the instructions and regulations of Saudi Arabian Monetary Agency (SAMA).
45. Customer has the right to submit any complaint, claim or inquiry through the following Ersal Channels:
45.1 Ersal electronic Service via Western Union website and application
45.2 Ersal customer care email: ersalcare@ersal.sa
45.3 Ersal telephone: 920033663
45.4 Ersal branches