Poland: Terms and Conditions for the Western Union® Money Transfer Service
IT IS IMPORTANT THAT, BEFORE ACCEPTING THESE TERMS AND CONDITIONS, YOU READ / ACKNOWLEDGE THESE TERMS.
THESE CONTAIN RESTRICTIONS ON THE SCOPE OF OUR OBLIGATIONS TO THE LORD / MRS AND RESTRICTIONS AND EXCLUSIONS REGARDING OUR LIABILITY TO YOUR LADY WHEN YOU FOLLOW OUR LOSS SERVICE.
THE PROVISIONS CONCERNING THESE ISSUES ARE INDICATED IN BOLD PRINT.
The term used in these Terms:
(a) "bank card" means a Visa® or MasterCard® debit or credit card;
(b) "business day" means any day of the week from Monday to Friday, excluding public holidays on which commercial banks in Vienna carry out their normal business;
(c) "card issuer" means the issuer and holder of a bank card;
(d) "payment method" means the options available to the Sender to transfer funds using the Western Union Online Service, which may vary by country and may include a bank card, bank account and other payment methods.
(e) "purpose prohibited" means any purpose that is illegal; making or receiving payments for gambling services, tokens or credits; or sending payments to yourself as a recipient to ensure financial compliance (RISK OF FRAUD); or creating more than one profile; or sending or receiving money on behalf of another person;
(f) "recipient" means the person designated as the beneficiary of the money transfer (whether the money transfer is made by a sender using the Western Union Online Service or by a person using another Western Union money transfer service);
(g) "sender" means a person who makes a money transfer using the Western Union Online Service;
(h) "transaction" means any money transfer ordered by you as part of the Western Union Online Service;
(i) "Western Union", "we / us / us / us" or "our / our / our / our / our / our" means Western Union International Bank GmbH and Western Union International Limited and in the provisions set out in par.
9 and with reference to "our negligence or fraud" includes an affiliate or agent of Western Union International Bank GmbH and Western Union International Limited in the performance of a task that would otherwise have to be performed by Western Union International Bank GmbH and Western Union International Limited in connection with with the provision of the Western Union Online Service;
(j) "Western Union Online Service" means any or all of the services provided by us through the Western Union Site which describes their essential features;
(k) "Western Union Website" or "Website" means the website operated by us to provide online money transfer services and related IT solutions; and
(l) "Mr / Ms" or "Mr / Ms", "Mr / Ms", "Mr / Ms", "Mr / Ms" means the person using the Western Union Website or the Western Union Online Service as the sender.
1.
ABOUT COMPANY
1.
1.
The Western Union® online service is offered by Western Union International Bank GmbH ("WUIB") in association with Western Union International Limited.
WUIB is a limited liability company, registered in Austria at THE ICON VIENNA (Tower 24), Wiedner Gürtel 13, A-1100 Vienna, commercial register number 256187t, issued by the Commercial Court of Vienna; data processing registration number 2111221.
Western Union International Limited is a company incorporated in Ireland at Richview Office Park, Unit 9, Clonskeagh, Dublin 14, Ireland (number: TO 372428).
1.
2.
Customers can obtain information regarding the company address and office hours of agents and local representatives by calling: + 32- (0) 2-639 7112.
You can also contact WUIB on the number (free in Poland): 00 800 32 11 416 or by e-mail: Poland.Customer@westernunion.pl.
1.
3.
WUIB is controlled by the Austrian Financial Market Authority [Finanzmarktaufsicht] ("Financial Market Authority"), Otto-Wagner-Platz 5, 1090 Vienna, telephone number +43 1 249 59.
More information on the Market Surveillance Authority can be found at: www.fma.gv.at.
2.
OUR SERVICES
2.
1.
Western Union's online services include the execution of domestic and international money transfers.
To use the Western Union Online Service, you must be 18 years of age or older and be a resident of Poland.
Each money transfer is tagged with an individual transaction number - a transfer control code or "MTCN".
2.
2.
By providing and consenting to the processing of the information required for the money transfer and by agreeing to these Terms and Conditions, the Sender instructs WUIB to execute a specific money transfer.
Each individual transfer order constitutes a separate agreement between WUIB and the Sender, which is limited to the execution of a specific money transfer.
The framework agreement concluded between you and our company does not oblige us to execute individual and subsequent money transfers.
The sender should properly inform the recipient about the money transfer sent.
2.
3.
Due to statutory and regulatory requirements, we will take appropriate steps to make the transferred funds available to the Recipient at the latest by the end of the business day following the day on which the funds were received ("Receipt Date").
The moment of receiving the funds is the moment when we receive the transferred funds together with the due fees for the transfer.
For money transfers ordered in writing during the period extended by another business day.
2.
4.
In the case of (i) money transfers made outside the EEA or (ii) money transfers where more than one currency is exchanged between the euro and the currency of one of the European Union or EEA member states not belonging to the eurozone, or (iii) money transfers carried out in currencies other than euro, the funds will be available to the Recipient at the latest at the end of the fourth business day from the date of receipt.
2.
5.
Regular money transfers are usually available for download after several minutes, depending on the opening hours of the facility.
In some countries, services may be delayed or additional restrictions may apply.
Detailed information can be obtained by calling the telephone number provided in point 1.
2 of these Terms of Service.
2.
6.
Western Union's online service provides a variety of pickup options, including cash pickup at a representative, bank account, or mobile phone where possible.
If the funds are to be transferred in cash, the Recipient should provide appropriate proof of identity along with any transaction details Western Union requires in connection with the receipt of the funds, including, but not limited to, the name of the Sender, the country from which the funds were sent, the name of the Recipient. , the approximate amount of funds being transferred, and any conditions and requirements of the Western Union agent when withdrawing funds, such as
MTCN (money transfer check code).
The payment of the transferred funds to the Recipient will be made after verification of identity documents by Western Union or an authorized representative.
The payment of the transferred funds may also take place when the information provided by the Recipient contains minor errors.
Neither Western Union nor its agents are required to match the Recipient's address information.
In some locations, the Recipient may be asked to provide proof of identity or answer a test question, or both, in order to collect the funds transferred.
The test question must not be used as an additional security measure and must not be used to extend or delay your withdrawal of funds; the use of test questions is prohibited in some countries.
For transfers to a bank account or to a mobile phone, Western Union will make the transfer in accordance with the information provided by the sender.
In the event of inconsistency in the details of the account owner (including mobile phone numbers for mobile phone accounts) and the Recipient's name, the funds will be transferred to the account with the number provided by the Sender.
2.
7.
Applicable law prohibits money remitters from doing business with certain entities and countries; Western Union is required to review all transactions against a list of entities prepared by the governments of the countries and territories with which we do business, including the US Foreign Assets Regulatory Authority (OFAC) and the European Union's.
If the entity is on the list, Western Union performs transaction verification to determine that the entity name is actually on the list.
To this end, Western Union is required to ask the Sender or the designated Recipient for additional information and evidence necessary to delay the transaction.
This is a legal requirement for all Western Union transactions (including money transfers initiated and finalized outside the US).
2.
8.
Transfer Fees: Written information explaining how Western Union charges to the Sender for the execution of a money transfer is available on the Western Union Transaction Website and is available to the Sender when filling out the Transaction Request.
The individual transfer fees for money transfers are listed in the "Send Money Online" section of www.westernunion.com.
Select the name of the destination country, enter the transfer amount, and then click "Calculate".
The sender should pay all fees to perform the transfer, unless the regulations in force in a given country provide otherwise.
In some cases, withdrawals of funds transferred may be subject to local tax laws or require the payment of service fees.
The recipient may therefore be required to pay additional costs related to the withdrawal of funds transferred by the Sender based on the customer's account, to an account on a mobile phone or to a bank account.
Money orders should be sent to the account (Recipient) in the local currency, otherwise the receiving institution (in which the Recipient has an account) may convert the funds at its own exchange rate or even refuse to accept the money transfer.
The agreement between the Recipient and his / her mobile or banking service provider, mWallet or other account operator defines the rights, obligations, fees, availability of funds and account restrictions.
In the event of inconsistency in the details of the account owner (including mobile phone numbers for mobile phone accounts) and the Recipient's name, the funds will be transferred to the account with the number provided by the Sender.
Western Union may charge additional fees for using your account for the purpose of sending and receiving money transfers.
Western Union will not be responsible in any way for costs that the Sender or any account holder has incurred as a result of the currency exchange rate when converting to foreign currencies or the actions or inaction for a particular location or on the part of an internal service provider.
2.
9.
Exchange rates
a.
Money transfers are usually made in the currency of the destination country (in some countries, withdrawals are only possible in an alternate currency).
All currencies are converted by Western Union according to the current exchange rate.
Western Union makes the conversion based on commercially available interbank rates plus a margin.
Most exchange rates fluctuate several times a day in line with the respective rates in effect at the close of global financial markets.
Currency exchange rates for money transfers are available at www.westernunion.com by selecting the name of the destination country in the "Send money online" tab, entering the transfer amount and clicking "Calculate".
b.
The currency will be converted at the time of the transfer and the Recipient will receive the transfer in the local currency for the amount indicated when making the transfer.
In some countries, local laws require that the money transfer amount be converted to your local currency at the time of withdrawal.
If the Sender is transferring funds to one of these countries, the exchange rate stated above is only an estimate, and the actual exchange rate will be determined when paying out the funds.
Western Union representatives may offer Recipients the option of receiving money transfers in a currency other than the one chosen by the Sender.
In such cases, Western Union (or its agents, mobile phone service providers or banking service providers) may charge additional fees to convert the funds sent by the Sender into the currency selected by the Recipient.
If the Sender selects a currency other than that of the destination country, the selected money transfer currency may not be available in all locations within that country, or may not be available in small enough denominations to cover the entire money transfer.
In such cases, the agent may send part of the money transfer made by the Sender in the local currency.
Western Union's exchange rates may be less favorable than some publicly announced market rates used in transactions between banks and other financial institutions.
Any differences between the exchange rates offered to customers and the exchange rates received by Western Union will be added by Western Union (and, in some cases, by their agents, mobile phone service providers or banking service providers) to the money transfer fees.
Additional information on currency exchange rates for specific target countries is available on the toll-free telephone number listed below or on our website.
2.
10.
SMS - Western Union offers a free SMS notification service in selected countries to inform you that a money transfer has been received (for the Sender) and about the availability of funds for withdrawal (for the Recipient).
The Sender or Recipient is solely responsible for the payment of fees charged by the cellular service provider.
Western Union is not responsible for any SMS charges.
If permitted by applicable law, an SMS notification will be sent to the number of the Sender and / or Recipient provided during the transaction.
Western Union will forward messages to the gateway for onward transmission for which third parties are responsible and which Western Union does not guarantee.
Western Union is not responsible for potential technical malfunctions in proprietary systems owned by or outside of third parties.
3.
OUR COMMITMENT TO THE LORD / MRS
3.
1 We declare our readiness to provide you with the money remittance service in the form of individual cash withdrawals and to provide you with relevant information in accordance with these Terms and to exercise due diligence.
3.
2.
We are not obligated to accept any order to carry out a transaction and have no responsibility whatsoever for the rejection of that order or the withdrawal, cancellation or restriction of any services.
These Terms and Conditions should, however, apply to any order we confirm.
3.
3.
We are not responsible to you for:
(a) goods or services that you pay for using the Western Union Online Service, in particular for their delivery;
(b) disruptions to the operation of telecommunications equipment that are beyond our control;
(c) loss or delay in sending messages as a result of using an internet service provider or caused by a web browser or other computer program not under our control;
(d) services provided to you by your card issuer;
(e) computer viruses from third parties;
(f) errors on the Website or Western Union Online Service caused by incomplete or incorrect information provided to us by you or third parties;
(g) any unauthorized use or interception of any message or information before it reaches the Website; and
(h) any unauthorized use of or access to data relating to your or your transactions in our possession (unless such use or access is caused by our negligence, fraud or non-compliance with legal provisions relating to the protection of your data).
3.
4 Notwithstanding any pre-existing money transfer agreement, we are under no obligation to you to accept an order or to execute a money transfer or other transaction on the Western Union Online Service if:
(a) we are unable to obtain satisfactory proof of your identity;
(b) we have reason to believe that the transaction message is incorrect, unauthorized or falsified;
(c) you provide us with incorrect or incomplete information, or if a message regarding your transaction is not provided to us sufficiently in advance to enable the timely execution of the requested transaction; or
(d) your card issuer did not authorize your use of your bank card to pay for the transaction and to cover the fees due to us for the transaction
We do not accept liability for damage caused by a failure to or delay in paying a money transfer to a recipient in respect of our liability under clause 8, or a failure to complete a transaction on the Western Union Online Service for any of the above reasons.
3.
5 We may refuse to provide the Western Union Online Service (in whole or in part) to you if the provision of the Western Union Online Service would result in a violation of Western Union's policies (including anti-fraud policy, financial marketing of assets derived from illegal or undisclosed sources or terrorist financing) and / or any applicable law, court ruling or requirements of administrative bodies whose jurisdiction we are subject to or the powers to which we remain, or if for other reasons we believe that such action is necessary to protect our interests.
However, if we refuse to provide the Western Union Online Service (in whole or in part) for the above reasons, we will notify you if possible and, unless prohibited by law, explain the reason for our decision.
3.
6.
We may suspend the operation of the Western Union Website or the Western Union Online Service in whole or in part if, in our sole discretion, we believe it is appropriate to do so due to circumstances beyond our control ("Events Out of Control").
We are committed that if the provision of services through the Western Union Website or the Western Union Online Service is interrupted (by us, a third party service provider or by others) for any reason, we will use reasonable efforts to minimize the duration of the interruption.
3.
7.
Basically, we will communicate with you via the Internet and e-mail.
This does not affect your right to communicate with us using other means (described in point.
1.
2) if circumstances so require.
4.
MRS. / MRS. RESPONSIBILITY TO US
4.
1 You agree to pay commission fees due to us for each money transfer or other transaction (see section 2.
8) that you have performed or requested by you as part of the Western Union Online Service
4.
2.
You agree to pay the principal amount of each money transfer and our remuneration using your bank card (to the extent that WUIB allows transfers based on your bank account).
Each time you use the Western Union Online Service, you agree to charge your card issuer for the principal amount of the money transfer and our fees for the relevant transaction prior to the money transfer or other transaction.
The amount that we will charge your card issuer will be communicated to you prior to final authorization of the transaction.
4.
3.
You acknowledge and agree that:
(a) when registering with us, you will provide true, accurate, current and complete information; / p>
(b) you will take steps to ensure that transaction details (amount, country, recipient name or MTCN) are disclosed only to the recipient. ,
You will be responsible for ensuring that third parties do not gain access to this information.
We recommend that you only trade with known recipients.
(c) you will not use the Western Union Online Service for any illegal purpose or in connection with it;
(d) you will not use the Western Union Online Service for or in connection with any prohibited purpose;
(e) you will not order a money transfer or other transaction on the Western Union Online Service in violation of these Terms or any other restrictions or requirements for use described on the Western Union Website; and
(f) you are responsible for the security of your password and email account name in accordance with par.
6 below.
4.
4.
In the event of loss, theft, misuse or unauthorized use of your transaction data (see section 4.
3.b), if you find that the company has made a transaction that has not been confirmed, or if you believe that the company has not completed the transaction or carried out the transaction incorrectly, call the number · + 32- (0) 2-639 7112 or 00 800 32 11 416 (free in Poland) and inform us immediately.
After receiving the information, we will conduct an investigation.
4.
5.
You acknowledge and agree that we may, from time to time, provide information about you and the services we provide to you, state authorities or authorities in the event that:
(a) we are required to do so by applicable law; or
(b) we find that disclosure of this information may assist in the fight against fraud, the marketing of assets derived from illegal or undisclosed sources, or other criminal activity.
5.
CUSTOMER SERVICE
If you discover any errors or encounter any problems with or in connection with the use of the Western Union Website or the Western Union Online Service, you will generally communicate with us and may submit a complaint via email, telephone (see section 1.
2) or by letter to the following address:
Western Union Poland
Lithuania UAB
J.
Balcikonio Str 3,
Vilnius, Lithuania LT-08247.
6.
PASSWORD AND SECURITY
Before making your first money transfer, you will provide a password and a valid email address as username.
The password and username cannot be used by another person.
You are responsible for the secure storage of your password and username, and for maintaining security when carrying out transactions using your password or username.
NEVER REVEAL OR WRITE THIS PASSWORD TO OTHER PERSONS!
You undertake to notify us immediately by telephone of any unauthorized use of your password or username or any other breach of security by calling the telephone number +43 800 29 6544.
After you notify us of any unauthorized use of your password or username, we will immediately take steps to prevent its further use.
We will inform you immediately of such action and the reasons for it, unless prohibited by applicable law.
By taking these steps, we do not accept liability for loss or damage arising from your failure to comply with the obligations set out in this section.
You can claim a refund or credit from your card issuer against your card issuer if fraudulent use of your bank card or bank account occurs.
7.
DISCLOSURE OF INFORMATION TO THIRD PARTIES
7.
1 Western Union uses and processes your personal information as described in the Privacy Policy and you have consented to it.
To read our Privacy Policy, please click on the link.
We have the right to amend the Privacy Policy at any time.
7.
2 This privacy policy is an express statement with respect to banking secrecy in accordance with par.
38 of the Austrian Banking Act.
This consent may be withdrawn at any time by sending a written statement to WUIB by traditional mail to the address provided in section 1.
1 or by e-mail to the address provided in point 1.
2.
7.
3 We reserve the right to verify the data provided by you.
Western Union determines credit ratings on the basis of mathematical and statistical processes provided by Deltavista GmbH, Diefenbachgasse 35, 1150 Vienna or other service providers designated by us for the purpose of verifying the data provided by the customer, with the exception of credit information Consent may be withdrawn at any time.
8.
RESPONSIBILITY
A.
Unauthorized transactions
8.
1.
We are responsible for carrying out transactions not authorized by you.
Provided that you are not responsible for any unauthorized transactions in accordance with clause 8.
2 i 8.
3, we will refund the amount that was sent in an unauthorized manner at the latest by the end of the business day following the business day on which we were notified of the fact that the transaction is not authorized or we learned that an unauthorized transaction was carried out in a different way.
We will not make any claims for the costs incurred by us.
If there are reasonable indications of fraudulent activity on your part, the company's obligation to reimburse the amount will be suspended and subject to proceedings, and these proceedings will be initiated immediately.
8.
2 You may be required to pay compensation of up to EUR 50:
a.
for carrying out an unjustified transaction using lost, stolen or otherwise lost transaction data (see section 4.
3b); the
b.
due to improper use of data for the transaction.
8.
3 We will not make any claims against you under clause 8.
2, if the detection of the loss, theft or improper use of data for the transaction was not possible or was caused by an employee or contractor acting on our behalf, one of our branches or an external supplier indicated by us.
8.
4 Your liability for losses due to unauthorized transactions is not limited to compensation of up to EUR 50 as stated in clause 8.
2.,
if you acted with malicious intent or knowingly contributed to the improper use of data in the transaction or committed gross negligence.
In such cases, you are responsible for any loss caused by the unauthorized transaction.
This gross negligence includes, but is not limited to, cases where you fail to notify Western Union in advance of the loss of transaction data, or where the transaction data is not securely stored by you, or if the data is disclosed to third parties.
8.
5 If you are not acting with malicious intent, you will not be held responsible:
a.
for losses caused by unauthorized use of data for transactions in point 4.
4.;
b.
if we do not make the contact points available for the notification purposes set out in section 4.
4.
B.
Incorrectly executed or unsuccessful transactions
8.
6 We are responsible for failure to carry out or incorrectly carried out transactions that have been commissioned to us by you, unless it is your fault.
Your fault includes, but is not limited to, the reasons described in 4.
3 above.
This means that in the event of a transaction not being carried out or incorrectly carried out, we will refund you the sum of the money transfer (depending on the extent to which the transaction was not carried out or was incorrectly carried out).
You are entitled to claim a refund of all fees and interest to the extent that they have been collected or incurred in connection with an unsuccessful or incorrectly conducted transaction.
8.
7 To the extent that fees have been collected in connection with a transaction that was not carried out or incorrectly carried out by us or by an intermediary, and deducted from the amount of a money transfer received by the Recipient as part of that transaction, we will immediately refund the Recipient of the corresponding amount charged for the fees.
8.
8 Our liability as set out in clause 8.
6 is excluded in the event that:
a.
we can show that the remittance amount was received by the Recipient in a timely manner through the money service provider; or
b.
for the purposes set out in point 8.
6.
a transaction should be considered properly carried out if we prove that the transaction was carried out in accordance with the information provided by you.
If the transaction details you provided are incorrect, you can ask us to help you recover your funds.
We cannot guarantee the success of these activities.
We reserve the right to charge a fee to cover our reasonable costs.
C.
Disclaimer of Liability
8.
9 All our responsibilities as set out in clauses 8.
1 or 8.
6 is excluded in the event that we are not informed of an unauthorized transaction or incorrect transaction within 13 months from the date of its execution.
8.
10 We also do not accept any liability set out in clause 8 in the event that a transaction is not carried out or is carried out improperly due to circumstances beyond our control, or if our statutory obligations do not allow this.
8.
11 We will not be liable in the event that an unauthorized or improperly executed transaction is performed by third parties or between third parties that you instructed you before we received the funds from a money order or other transaction.
In such event, you should immediately contact the third party and inform them of the circumstances of the unauthorized or incorrectly conducted transaction.
8.
12 We are not liable for damage caused by extraordinary and unforeseen circumstances beyond Western Union's control and the consequences of which, despite all due diligence, Western Union could not avoid (caused by e.g.
by circumstances beyond our control, telecommunications line breakdowns, civil unrest, war or other events, such as industrial action or blockades, over which we have no control).
This equally applies where Western Union is bound by any Community, national, judicial or administrative law to the contrary.
8.
13 Our liability may not be excluded or limited where it would be unlawful.
This includes liability for death or personal injury caused by our negligence; fraud or providing false information; or a violation of rights where a violation or limitation would be unlawful in relation to the Western Union Service.
9.
INTELLECTUAL PROPERTY
The Western Union Web Site and Western Union Web Service, the content, and all intellectual property rights relating thereto and contained therein (including, but not limited to, copyrights, patents, databases, trademarks and service marks) are owned by us, our entities affiliates or third parties.
All rights, title and interest in the Western Union Website and the Western Union Online Service will remain our property and / or the property of such other third parties.
The Western Union Website and Western Union Online Service may only be used for the purposes permitted in these Terms or as described on the Website.
You are authorized only to view and make copies of the pages of the Western Union Website for your personal use.
You may not reproduce, publish, alter, develop, market, post on the Internet or otherwise distribute or exploit the Western Union Website, Western Union Online Service, or any part thereof for public or commercial purposes without our express written consent .
You may not: (a) use any robot, spider, interceptor, or other automatic device to access the Western Union Website or Western Union Online Service, and / or (b) you will not delete or alter the content of the alerts or information on copyright, trademarks or other proprietary rights on the Western Union Website (or on the printed pages of the Website).
The Western Union name and other names and proprietary marks of Western Union products and / or services referenced on the Western Union Site are our own or the exclusive property of other third parties.
Other products, services and company names appearing on the Website may be the trademarks of their respective owners.
10.
LINKS TO OTHER WEBSITES
The Western Union website may contain links and pointers to other websites and internet resources ("Related Websites").
Links to Linked Sites do not constitute any endorsement by us or any link by us with third party resources or their content.
Links do not imply that we are affiliated with or affiliated with any trademarks, trade names, logos, or copyright symbols contained in or accessed through links or that we may lawfully use marks on the Linked Sites trademarks, trade names, logos, or copyright symbols of Western Union.
Any doubts regarding Linked Websites should be directed by you to the administrator of such Linked Web site.
We make no representations or warranties of their accuracy or reliability, and expressly disclaim any advice, opinion, statement or other information contained on or disseminated through any Linked Website.
You acknowledge that you may rely on any opinion, advice or information contained in or otherwise made available on any Related Web site solely at your own risk.
11.
RIGHT TO CHANGE OR CANCEL A MONEY TRANSFER
11.
1.
You have the right to stop a money transfer via Western Union within 14 days.
The suspension of the transaction should be declared in writing and sent by e-mail or by traditional mail.
However, the right to suspend a transaction does not apply where the funds have been transferred to the Recipient before we receive notice of the suspension of the transaction.
If you exercise your right to suspend a transaction before paying the Recipient, we will refund you the amount of the money transfer free of charge.
11.
2.
Suspension of the transaction may be ordered in writing and sent by e-mail or by post if the funds have not been transferred to the Recipient before we receive the notification of the suspension of the transaction.
In this case, we will refund the amount of the money transfer at the Western Union exchange rate in effect at the time of the refund, at least the nominal value of the transaction, if the amount is not transferred to the Recipient within 45 days.
In this case, the transfer fees will not be refunded.
In the event of notification, if the transfer amount is not paid to the Recipient within three business days, we will refund the amount of the money transfer together with the transfer fees paid (based on statutory and regulatory provisions).
12.
ENTIRE AGREEMENT
These Terms, together with any other matters incorporated into these Terms by reference, constitute the entire agreement and understanding between you and us, and supersede and terminate any prior agreements or understandings between you and us.
13.
DIVISIBILITY
In the event that one or more provisions of these Terms and Conditions prove to be invalid, illegal or unenforceable for any reason, the remaining provisions will remain valid and enforceable.
14.
COMPLAINTS, APPLICABLE LAW AND COMPETENT COURT
14.
1 If you are not satisfied with our services described in these Terms, you may submit a complaint in writing using the contact details published on the website: https://www.westernunion.com/en/.
We will do our best to investigate your complaint at the earliest possible opportunity and will reply to you within 15 working days of receiving your complaint.
In exceptional cases, we will send you an initial reply within 15 working days, within which we will set a deadline for a final reply no later than 35 working days from the date your complaint is submitted.
In case you do not receive our final reply or you are dissatisfied with its content, you can contact the Joint Anti-Corruption Authority.
mediacji austriackiego sektora bankowego [Joint Arbitration Board of the Austrian Banking Industry], Wiedner Hauptstraße 63, 1045 Wiedeń.
You can also exercise your rights to bring an action before a competent common court.
You can also use the Online Dispute Resolution ("ODR") system.
ODR offers out-of-court transaction dispute resolution: http://ec.europa.eu/consumers/odr/.
14.
2 These Terms and Conditions are governed by Austrian law, excluding its conflict of law rules.
The place of performance is Vienna.
If you are a Polish resident, you can also use any of the applicable provisions of Polish consumer protection law.
14.
3 Contracts not concluded with consumers, as defined in section 1 of the Austrian Competition and Consumer Protection Act [KSchG], are subject to the jurisdiction of the courts of Vienna, Centrum.
If you are a consumer, you can take legal action with respect to claims and disputes (including non-contractual claims and disputes) arising out of or relating to these Terms, either in a court in your country of residence or in a court in Austria.
If you are a consumer, we may take legal action against you in the courts of your country of residence, residence or employment.