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WESTERN UNION SPEEDPAY SERVICE
A SERVICE OF WESTERN UNION FINANCIAL SERVICES, INC.
ONLINE PRIVACY STATEMENT
Effective Date: January 1, 2006
Western Union Financial Services, Inc. ("Western Union") is a subsidiary of First Data Corporation. Protecting consumer privacy is very important to us. This Online Privacy Statement is available to inform you about our collection and use of personal information. This Online Privacy Statement is applicable to consumers that are using Western Union Speedpay money transfer service to send payments to clients of Western Union (the "Service") in the United States, as well as to visitors of our website. This Online Privacy Statement reflects the Western Union policies covering personal information collected by us on or after the effective date shown above.
We believe that information used responsibly benefits consumers and the economy, whether it is information we house on behalf of consumers conducting transactions or information we collect on behalf of our business clients. For more than 125 years, consumers and businesses have relied on Western Union for safe and reliable service. The relationships we have developed through the years have been established based on mutual trust. Each day we and our thousands of employees and agents around the globe strive to reinforce our commitment to our clients and consumers. Central to that commitment is ensuring that we follow a set of privacy policies, which are outlined below. These policies guide us in the collection and use of information as well as employee responsibilities in protecting your privacy.
COLLECTION OF INFORMATION
Western Union collects personal information in order to offer the Service. This information may include, for example: identification information, such as name and address data; information relating to bank accounts and credit and debit cards; and transaction information, such as account activity, debit activity, or credit activity. We may obtain this information from a variety of sources, including the following:
  • Directly from information and materials submitted to us by consumers who use the Service;
  • From transactions in which Western Union and consumers are involved;
  • From click-stream activity on the website (including the use of "cookies", discussed below); and
  • From a variety of third-party sources, such as our business clients, government repositories, consumer reporting agencies and other financial institutions.
A "cookie" is a small text file placed on your hard drive by a web server. This website uses cookies to tell our servers who you are when you return to our website and to gather other information that we may use or permit others to use from time to time as otherwise provided in this Online Privacy Statement. You can usually set parameters on your computer that allow you to elect to accept cookies or to have your browser notify you each time a cookie is offered. You can also usually delete cookies from your hard drive. Instructions on how to accept cookies, on how to be notified that a cookie is being offered and on how to delete cookies are available through your Internet Browser.
DISCLOSURE AND RECIPIENTS OF INFORMATION
Western Union will disclose the information it collects (as described above) to third parties about you and your Service transaction: (i) when it is necessary for completing a payment, or to investigate or resolve a problem related to a payment; (ii) to verify any of the information you provide; (iii) to verify the existence or condition of your participation in the Service; (iv) to comply with a government agency or court order or at the request of a federal or state regulator; (v) if you give us permission; (vi) at our discretion, to our affiliates or (vii) as otherwise permitted or required by applicable law.
WE ARE COMMITTED TO PROTECTING THE CONFIDENTIALITY OF PERSONAL CONSUMER INFORMATION.
Western Union limits access to personal information to those employees of Western Union and its affiliates who need it to fulfill their business responsibilities. Employees are required to adhere to Western Union privacy policies. Employees violating these policies may be subject to disciplinary action, up to and including dismissal. Vendors and other outside contractors we engage are subject to our contractual requirements to safeguard sensitive personal information.
WE USE APPROPRIATE SECURITY SAFEGUARDS
At Western Union, security is a priority. We employ appropriate measures to protect consumer information against unauthorized access, disclosure, alteration or destruction. These may include, among others, encryption, physical access security and other appropriate technologies. Western Union continually reviews and enhances its security systems, as necessary.
WE MAINTAIN PROCEDURES TO ASSURE THE QUALITY OF INFORMATION WE COLLECT AND WHERE APPLICABLE, WE WILL INFORM CONSUMERS ABOUT HOW THEY CAN ACCESS THEIR PERSONAL INFORMATION AND MAKE CORRECTIONS, IF NECESSARY
Western Union employs appropriate measures to assure the quality of information we collect directly from consumers. Where information is collected by Western Union directly from consumers or sources other than our business clients, we permit them, if possible, to dispute or correct any erroneous or out-of-date personally identifiable information. Of course, this correction would not be possible if the information is proprietary to one of our business clients, reflects historical transaction information or if correction would violate the privacy or legal rights of a third party. Where applicable, we abide by laws related to such information. You can correct factual errors in your personally identifiable information by sending us a written request that credibly shows error. Call the customer service number listed below for details. We reserve the right to independently verify claims made. To protect your privacy and security, we also will take reasonable steps to verify your identity before making corrections. We reserve the right to assess a service charge for providing you with any information in connection with your request.
THE WEBSITE IS NOT DIRECTED AT CHILDREN UNDER THE AGE OF 13
Our Website is not directed at children under the age of 13 and Western Union does not collect or maintain information at our Website from those we actually know are under the age of 13.
WESTERN UNION'S WEBSITE MAY BE LINKED TO OTHER WEBSITES
Western Union may create links to third party websites, including those of its clients who receive payments from consumers. Western Union is not responsible for the content or privacy practices employed by websites that are linked from our website.
WE HOLD OURSELVES ACCOUNTABLE TO OUR PRIVACY PRINCIPLES
Western Union is committed to meeting the highest standards for our privacy program. To that end, Western Union has appointed a senior official, who serves as the company-wide officer with responsibility for the administration and implementation of the Western Union privacy program.
The Western Union officer, working closely with individual business units, is responsible for:
  • Administering employee privacy training and employee compliance related to the Western Union Online Privacy Policies;
  • Conducting periodic assessments of Western Union's compliance with its Online Privacy Policies, as well as specific implementation policies and procedures; and
  • Ensuring that Western Union actively participates in appropriate privacy activities, including self-regulatory initiatives.
If you have any questions or comments about Western Union 's Online Privacy Statement, or for some reason believe we have not adhered to our statement, please contact us at the telephone number listed below.
As stated above, this Western Union Online Privacy Statement is currently only applicable to our website customers and visitors in the United States. As we develop websites for international audiences, we may adopt additional rules and practices consistent with this statement to conform to the policies or requirements of those countries. We may alter this statement as needed for certain products and services and to abide by local laws or regulations around the world who access the Western Union website. Western Union reserves the right to amend or modify this statement from time to time. We urge you to review this statement whenever you visit in order to obtain the most current statement.
TEXAS CONSUMERS
Complaints concerning sale of checks activities should be directed to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705 1-877-276-5554 (toll free) or www.banking.state.tx.us.
For questions about this Privacy Statement, please call 866-316-3360.
WESTERN UNION FINANCIAL SERVICES, INC.

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