WESTERN UNION MONWY TRANSFER SERVIVE("SERVICE")IS PROVIDED SUBJECT ON THE FOLLOWING TERMS AND CONDITIONS

Service transactions can be sent and picked up at most western union cooperating partner locations worldwide.call the number listed below for for the address and hours of nearby loctions.regular money transfers are usually available within minutes for pick up by the recipient,subject to hours of operation of the paying partner loction.delays and other restrictions apply in certian countries.call the number below for details.money transfers will normally be paid in cash,but some partners may pay by check or a combination of cash and check.all payments are subject to availability and the condition applicable at the western union partner payment location.in limited circumstances,payment of a money transfer may be subject to loction taxes and/or service charges.

Foreign Exchange - money transfers will mormally be paid in the destination country.in some cuntries,payment is available in us.dollars or other alternate currency.in addtion to the transfer fees applicable to each transaction,western union and it partners will apply a currency exchang rate to convert your funds into foreign currency.any difference between rate given to customers and rate received by west union will be kept by western union and its partners in addition to the transfer fee.

Sending to countries that provide payment in multiple currencies:you must gelect the currency of payment at the time you send money.the trasfer fee and the money western union or its partner makes when it changws your funds into foreign currency may vary based upon the payment currency that you select.some western union partners may offer receivers the choice to receive funds in a currency different from the one that you selected.in such instances,western union or its partner may make additional money when your funds are converted into the currency selested by the receiver.

Receiving money in countries that provide payment in multiple currencies:in some countries.you may elect to recexve adifferent currency from the one that you sender selected for payment,in which case the currency exchange rate that western union applies to your transaction may differ from the one applecble to a transaction paid in the currency your sender selected,and western union or its partner may make additional monwy when the funds are converted from the payment currency selected by the sender into the currency you have selected.you may obtain addtional information about exchanges rates by calling the number at bottom of this from.

Test questions  may generally be used only if the principal amount of the money transfer does not exceed us$1000.00(or localequivalent)different limites may apply for money transfers to or from certain countries.test questions may require an additional fee.for certain destinations(principally in africa).a test question is required for all transactions (regardless of the principal amunt)and,inaddtion,the receiver may be required to provide identification.please contact western union at the number listed below for current information regarding the use of a test question for the destination for the destination of your money transfer.

Telephone notification  to the recipient that a money transfer is available is offered in most countries for an additional fee.
Messenger delivery of a check or bank draft is available in some countries to selectd destinations for an additional fee.

Supplemental messages may be included with money transfers sent to most countries for an additional fee.

Refund and administrative charge - western union and partner will refund the principal amount of a money transfer upon the written request of the sender if payment to the recipient is not made within 45 days.western union and partner will refund the transfer fee upon written request of the sender if the money transfer is not available to the recipient within a reasonable amount of time,subject to the business hours of the loction selected for payment and conditions,including,without limitation,conditions beyond the control of western union or its partners,such as includment weather or telecommunications failure.payment of some money transfers may be delayed as a result of the application of united states or other applicable laws.to the extent allowed by law,western union and partner may deduct an administrative charge form monwy transfers that are not picked up within one year of the send date.

Western union and partners do not guarantee the delivery or suitablility of any good or ser.vice paid for by means of a western union monwy transfer.you are cautioned against sending in on event shall western union or any of its partners be liable for damages for delay,nonpayment or underpayment of this monwy transfer,ornon-delivery of any supplemental message,whether caused by negigeence on the part of their employees or agents or otherwise,beyond the sum equivalent to $500us.dollars(in addition to refunding the principal amount of the money transfer and the transfer fee).in no event will weatrn union or its agents be liable for any indirwct,special,special,incidental,or consequential damages.the foregoing disclaimer shall not limit western union liability for damages resulting from western union on‘s gross negligence or intertional misconduct in those jurisdictions where such a limitation of liability is void.

When a westner union partner accepts a check draft, credit card or other non-cash from of payment,neither western union nor the partner assumes any obligation to process or pay the money transfer if the from of payment is uncollectible,nor do they assume any liability for  damages resulting from nonpayment of the money transfer by reason of such uncollectibility.
Western union and partners reserve the right to change service without notice.western union and partners may refuse to provide service to any person.

Western union privacy policy:wester union may disclose your personal information to third parties.
The information disclosed may include information describing your trasaction with western union and partners;identification, such as the name,telephone number,address and other information about senders and recipients.western union may provide such information to financial institutions,such as banks and credit card companies;retailers,such as home furnishers and clothing stores;companies that process transactions or provide other services for western union;goverment agencies;and catalogue companies and other direct marketes.you may have other rights regarding the privacy or protection of your personal data under applicable law.western union‘spolicy is always to comply with applicable law.

The western union money transfer service is provided by western union financial servives,inc,an american company,(for monwy transfers to and from the united states,canada and mexico,ans commercial servicers transactions) and western union international limited,an irish company (for all other money transfers) in cooperation with anthorized partners world-wide.