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Western Union® Gold Card Terms and Conditions WESTERN UNION by lonyoo

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									Western Union® Gold Card Terms and Conditions
WESTERN UNION® INTERNATIONAL LTD. (Effective July 2008)

Western Union® Gold Card Programme Agreement
Important Information for Participants in the Western Union Gold Card Programme.

                                                                   your Card can only be used by you. Its use is subject to the
This Western Union Gold Card Programme Agreement                   terms of the Agreement. This Card is personal and cannot be
(“Agreement”) contains the terms and conditions governing the      shared.
Western Union Gold Card Programme (“Programme”). The
terms “Western Union” “we” “us” and “our” used in this                     2. Description of the Programme.
Agreement mean Western Union International Ltd., an Irish                  A. Convenience: The Programme allows you to
registered company with number 372428, based at Richview           request completion of Western Union® Money Transfer
Office Park, Unit 9, Clonskeagh, Dublin 14, Ireland. “You” and     transactions at Participating Agent locations more conveniently
“your” means the person to whom a Western Union Gold Card          (“Qualifying Transaction”). The Programme allows you to
is issued pursuant to this Agreement (“Card”). “Receiver”          provide information about yourself via this application form and
means each person to whom money is sent on your behalf by          each time you send or receive money via a Qualifying
us or our agent. “Sender” is each person from whom you             Transaction, which we will store electronically by means of a
receive money through us. “Participating Agent location”           database, which will be managed by Western Union so that it
means a Western Union Agent location that participates in the      will be available automatically at Participating Agent locations
Programme. Section 12 contains information as to how you           whenever you present your Card. The list of Participating
may obtain a list of Participating Agents.                         Agent Locations can be obtained by contacting the Western
                                                                   Union Card Programme Customer Service Centre on 0800
        1. This is Your Contract With Us. You should read          297 597 (free call from fixed and public phones. Tariffs for
this Agreement and keep it for your records. By enrolling,         mobile calls are set by your operator), or by contacting the
using the Card, or by otherwise participating in the               Western Union Card Programme in writing, as set forth in
Programme, you agree to the terms of this Agreement. If you        Section 12. All money transfers that you initiate using the
do not agree, please either                                        Programme are subject to the terms and conditions set out in
return the Card to any Participating Agent location or destroy     this Agreement, as well as the terms and conditions applicable
the Card immediately. Your Card is required to perform any         to Qualifying Transactions initiated at Participating Agent
Programme transactions. Your Card remains the property of          locations where you end/receive
Western Union and must be returned to us immediately upon          the money transfer (these terms and conditions appear on the
our request in case of abuse, cancellation of the Agreement or     “To Send Money” and “To Receive Money” forms available
ending of the Programme. To benefit from all its advantages        from Participating Agent locations). In order to use the Card
and participate in the Programme, you must fulfill all                        4. Obtaining Points for Transactions without Your
requirements pursuant to law, to enable you to send/receive           Card. If you carried out a Qualifying Transaction but did not
money transfers in a particular country.                              use your Card, you may still acquire Points by sending a
        B. Rewards: The Programme enables you to earn                 legible copy of your send transaction receipt, which includes
points based on the fee paid for each Qualifying Transaction          the Money Transfer Control Number (MTCN) and your Card
sent from Participating Agent locations (“Points”), as described      number to us at the address in Section 12 below. Western
herein. The required amount of the transaction for each point         Union reserves the right not to issue Points if it cannot verify
can be found in the Welcome Pack enclosed with these terms            the transaction, read the transaction receipt or the Card
and conditions. Information on the reward scheme can be               number provided or otherwise reasonably determine that the
found also at participating agent locations. In order to qualify      transaction did not qualify for Points.
for Points, you must: i) present your Card at the beginning of
each Qualifying Transaction; ii) complete a fee paying                        5. Redeeming your Points. Once you accumulate the
transaction at a Participating Agent location; and iii) if required   requisite number of Points for the available rewards you may
by local laws, present current identification which bears the         redeem your Points by (i) contacting us at the number or at the
same name as the name which appears on your Card (and                 address provided in Section 12 below, and also by (ii)
any other information required by the Participating Agent             contacting the customer call centre number provided on the
location); Your Points will be added to your Card at the time         back of your card. The rewards and required number of Points
each Qualifying Transaction is completed. Points are not              to redeem such rewards are subject to change at Western
earned for transactions performed by you over the internet or         Union's sole discretion and without notice, based on objective
when you receive money transfers or for payment services              commercial factors and normal market restrictions. Any
transactions, known as “Quick PaySM”. The current amount of           rewards other than discounts are subject to availability. Points
the Points on your Card is available on request by contacting         accumulated on the Western Union Gold Card cannot be
the Western Union Card Programme as set forth below under             redeemed until an application form has been completed,
Section 12                                                            signed and returned to Western Union and accepted by
                                                                      Western Union. A certain minimum number of Points may be
        3. Participation in the Programme. The Programme              required to redeem rewards. Points can only be redeemed and
is open to private individuals who are 18 years and older and         used for sent transactions made in the issuing country.
have a main residence at a valid address in Austria. Only one         Information about the required Points to redeem as well as the
application per person will be accepted. We may, in our               rewards can be obtained by contacting the Western Union
discretion and always according to the legal imperatives in           Gold Card Programme as set forth below under Section 12.
force, refuse to accept your application if you do not satisfy our
application criteria from time to time.                                       6. Rewards and Benefits. The rewards represented in
                                                                      this communication are for illustrative purposes only and may
                                                                      be different from those actually offered by us to you in return
for Points. You have to complete a minimum of two send             way. Maintaining the Card and the Points are your sole
transactions in order to become eligible for a reward. All         responsibility. Rewards will not be replaced if lost or stolen nor
rewards and benefits offered are subject to change and             will Points used to redeem such Rewards be reaccredited to
availability or cancellation without any prior notice from us,     your account.
while local restrictions and alterations may apply. Any
substitute rewards will be of a similar or greater quality and            9. Application for the Western Union Card. You
value to those offered. If any of the items that you receive are   apply for enrolment in the Programme by returning a
damaged or faulty in material or workmanship on receipt,           completed and signed application form. Application forms are
Western Union will send you replacements provided that you         available by contacting us set out in Section 12 below.
return the damaged or faulty items and their packaging to
Western Union. All such replacements are subject to                       10. Temporary Card. Your permanent Card will
availability and may be substituted with items of a similar or     replace your temporary Card. The Points, which you earned
greater quality and value.                                         with your temporary Card, shall be transferred onto your
                                                                   permanent Card.
        7. Phone time offer. Any reward comprising phone
time is valid for domestic and international calls. The phone              11. Disclosure of Account information to Third
time is provided by BBG Communications Inc and not by              Parties.
Western Union. Personal Identification Numbers (PINs)                      A. By participating in the Programme, you agree that
provided by BBG Communications Inc will expire 12 months           Western Union and its Participating Agent locations may store,
from activation. . Telephone service to a few international        retrieve, access, process, transmit and use all information
destinations may occasionally be unavailable or limited for        about you that you provide in connection with your
reasons beyond the control of the third party supplier. When       participation in the Programme (namely your name, your
calling from a mobile phone, and/or a public phone there may       address, your contact details, the number of Points, how often
be a connection charge.                                            you use the card or send money, what is your favorite location
                                                                   of favorite recipients among others ) (hereinafter referred to as
        8. Important Information about your Points. Points         “Data”).
expire two years from date of the Qualifying Transaction. Any              B. Western Union may transfer your Personal Data (i)
Points earned on your Card will be forfeited when your Card is     to the Western Union group of companies (the "WU Group"),
cancelled, closed, revoked, found to be fraudulent or declared     which expression includes WESTERN UNION FINANCIAL
void under law. Points are not considered earned until actually    SERVICES, INC. 12500 East Belford Englewood, Colorado
redeemed by you and do not constitute a credit balance to          80112 USA for the purposes of administering the Programme
your account or your Card. Points have no cash value and will      and performing this Agreement, , (iii) to the WU Group
not earn interest and are not insured against loss. Points         including Western Union Financial Services GMBH, Vienna
cannot be purchased, sold, combined or transferred in any          Austria,     Western     Union     International     BankGmbH
Maderstrasse 1A-1040, Vienna, Austria to prepare consumer
profiles in order to directly send out offers and notifications            F. You confirm that you have notified any third party as
regarding Western Union money transfer and related services        to how the Third Party Information will be used and processed
offered by any company within the WU Group, (iv) to the WU         as set out above and that you have obtained the consent of
Group and Western Union's reputable business partners (such        the third party for these purposes.
as service providers who perform direct mail related services              G. Your consent to the transmission of the Data in this
or provide message delivery services) for the purpose of           Article 11 may be revoked any time making any further
contacting you by mail or, if you have so indicated in the         transmission unlawful.
application form, by telephone, email or SMS in relation to
products and/or services which we believe may be of interest.              12. Contacting Western Union. You may contact
By signing the application form and using the Card, you            Western Union to obtain a copy of the data that Western Union
provide your express, unequivocal consent to the collection,       maintains about your participation in the Programme, to
processing, use and transfer of the Information in the manner      correct any personal data kept by Western Union, to change
set out in this Agreement.                                         your data privacy election, to withdraw from the Programme, to
        C. If you do not wish to be contacted by parties other     report a lost or stolen Card, to request a replacement Card, or
than Western Union and its affiliates and Participating Agent      with any other questions about the Programme. You may call
locations or if you do not wish to be contacted with details of    Western Union on 0800 297 597 during regular business
our products and/or services, please contact Western Union in      hours, or write to us at: Western Union c/o Teleperformance,
the manner set out in Section 12 below.                            Thisseos 330 Kallithea Athens 17675, Greece.
        D. We may also disclose the Information to third
parties, where reasonably necessary, for the purposes of the             13. Dormancy. If you do not use your Card for a period
prevention and detection of crime, and the apprehension or         of two years, we may suspend your participation in the
prosecution of offenders, for the purpose of safeguarding          Programme without notice to you.
national security or otherwise when we are required to do so
by law. In each case we do so in accordance with the                       14. Assignment. Notwithstanding any other provision
applicable Data Protection legislation.                            in this Agreement, you may not assign or transfer this
        E. The Information may be held by Western Union for        Agreement or your Card or allow others to use your Card
these purposes, and to provide you with the service you have       without our prior written consent. However, you will be
requested, in countries outside the EEA, including the U.S.,       responsible for any unauthorised use of your Card unless and
that have less stringent Data Protection Laws. A current list of   until you report it lost or stolen to Western Union at the
the names and addresses of Participating Agents and                address set forth above under Section 12. Western Union may
recipients of your Information may be obtained free of charge      freely assign this Agreement to group companies as part of a
by sending a written request in accordance with Section 12         commercial restructuring.
below.
         15. Governing Law. This Agreement shall be                obligations are capable of surviving the termination of this
governed by and construed in accordance with Austrian law          Agreement.
and you and we hereby agree to submit to the non-exclusive
jurisdiction of the Austrian courts.                                       19. Money Transfer Terms and Conditions
                                                                   Modifications. Western Union terms and conditions for
      16. Provisions Severability. If any provision of this        sending money may vary from time to time. The updated terms
Agreement is held to be invalid or unenforceable, the              and conditions for Western Union Money Transfers are on the
remainder of this Agreement will not be affected.                  back of the money send forms, and for automated customer
                                                                   receipts, they are on the back of the receipt. they are also
        17. Amendment. We may, from time to time, amend            available at the point of sale on request.
the terms of this Agreement with prior written notice to you,
should objective commercial considerations require. The
modified terms of this Agreement can be obtained by
contacting the Western Union Gold Card Programme as set
forth above under Section 12. By initiating a Western Union
Money Transfer transaction or by receiving a money transfer
using your Card after this Agreement is amended or changed,
you will be agreeing to any such amendment or change.
Should you not accept any modifications to this Agreement,
you must either (a) notify Western Union in writing within 15
days, such notice giving rise to the termination of this
Agreement or (b) terminate use of your Western Union® Gold
Card. At any time, you may obtain a copy of this Agreement,
as amended, by, writing to Western Union at the address set
out in Section 12, or from most Participating Agent locations.

        18. Cancellation. We may cancel the Programme, this
Agreement or your entitlement to participate in the Programme
immediately and with notice to you. You may cancel this
Agreement at any time by notifying Western Union in writing. If
you do this, your participation in the Programme will terminate
within thirty (30) days after we receive your written request to
cancel. Cancelling this Agreement will not affect your
obligations under this Agreement to the extent that such

								
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