西联汇款交易可以在西联全球大多数代理网点发送与领取。请拨打下列电话号码，获取就近网点的地址与时间。部份网点24小时营业。

一般汇款通常在几分钟之内即可供收款人领取，视乎收汇网点的服务时间。如有需耍，隔天或两天的账户汇款可在指定的国家/地区提供。隔天或两天的汇款可在24或48小时内供收款人提取资金。账户汇款一般最多需时五个工作天，而电子钱包汇款一般仅需时数分钟。若汇款超出某些国家/地区的汇款限制、规管限制或其它限制，可能引致汇款延迟到达。西联并不是任何银行的代理人或代表，亦不代表银行接受任何存款。请拨打下列电话号码，获取详细信息。

汇款通常以现金支付，部份代理亦可能会以支票，现金加支票的方式支付汇款，甚至提供其他方式供收款人选择。收款人亦可选择其他的支付方式。部份汇款可以支付至银行账户。所有现金支付均受限于付款网点的可用资金、收款人能否出示身份证明文件和按西联要求提供有关汇款的详细信息，包括汇款人/收款人姓名，发汇国家/地区，大概金额、汇款监控号码及其他适用于网点的条件和要求等。汇款人已授权西联以收款人要求的收汇方式收取汇款，即使收款方式有别于汇款人要求的收款方式。代理通过检查身份证明文件验证收款人的身份后，会把现金汇款支付给其认为有权接收汇款的收款人。即使收款人填写的表单存在轻微错误，也可以进行现金支付。西联或其代理均不会对比“发汇单”与“收汇单”来验证收款人地址。在部份收汇国家/地区，收款人可能需要在现金收汇时提供身份证明文件、测试问题答案，或同时提供以上两项资料。测试问题并不具有附加安全特性, 某些特定国家/地区不允许使用测试问题，并不能作为支付或拖延支付交易的原因。

适用的法律禁止汇款机构与某些个人及国家/地区进行交易。为遵从这法律规定，西联需按其业务所在的国家与地区的政府机构所提供的名单审查所有汇款，这些机关包括美国财政部国外资产控制办公室（OFAC）与欧盟。如发现潜在性的吻合，西联必须调查该笔汇款，确定交易对象是否已被列入相关名单中。必要时，顾客需要提供额外的身份证明文件或信息，汇款可能因此受到延迟。这是法律对西联处理的所有汇款的要求（包括源自并止于美国以外的汇款）。

汇款费用 －有关汇款费用的信息将透过张贴于网点内的告示或柜员在发汇付款完成前向汇款人展示的书面信息告知汇款人。除非收汇国家/地区之适用法规另有要求，汇款人将支付所有汇款费用。在某些情况下，收款人在收取汇款时可能需要缴纳当地税项或服务费。

外汇兑换 －汇款通常以收汇国家/地区的货币支付（部份国家/地区只提供以美元或其它替代币种支付的汇款服务）。除了适用的汇款手续费外，如果汇款人交给西联的代理的币种不是收款人将要领取的币种，所有货币均按照西联当时的汇率兑换。货币将于汇款时兑换，收款人将收到表单所示的外币金额。部份国家/地区的法律要求在付款给收款人时才能进行货币兑换，在此情况下，表单上注明的汇率以及收汇金额可由于汇款时与收款时的汇率波动而不同。西联基于市场可获得的银行同业汇率加上差价来计算其汇率。大多数汇率均依据全球金融市场的相关收盘汇率进行每天数次的调整。西联所采用的汇率可能逊于银行或其它金融机构之间进行交易所使用的商业汇率牌价。除了汇率手续费以外，提供给顾客的外币汇率与我们得到的外币汇率之间的任何差价均由西联（或在某些情况下，由其代理）保留。有关某一特定国家/地区的汇率的详细信息，请拨打表单底部的电话号码或到访西联网站www.westernunion.com.

在提供多种货币兑付的国家/地区发汇和取款时，汇款人必须在汇款时选定付款币种。汇款手续费以及西联（或其代理、移动电话供应商或账户供应商）将在汇款金额被兑换为外币时所赚取的利润会因所选的付款币种而有所不同。在部份国家/地区，收款人可选择有別於汇款人所选的收汇币种。在此情况下，西联（或其代理、移动电话供应商或账户供应商）可能会在将汇款兑换为收款人选择的币种时赚取额外的利润。

特别服务

电话通知 - 西联在部分国家/地区提供附加收费的电话通知服务，告知收款人汇款金额已可以领取。

按址送款 － 部份国家/地区有支票或银行本票的送款上门服务，此项服务另行收费。

附言 － 在发汇至大部份国家/地区时，汇款人可以随汇款添加附言，此项服务另行收费。

短信服务 － 西联在部份国家/地区提供免费的短信通知服务，以告知汇款人收款人已经领取汇款，或告知收款人汇款金额已经可以领取。服务供应商收取的服务费全部由汇款人或收款人承担。西联不承担短信服务相关的任何费用。如果适用法律允许，短信将发送至表单中所提供的汇款人及/或收款人的手机号码。西联将把短信发送至第三方网关以作传送。西联对其专属系统之外未能送出的短信或技术故障不承担任何责任。

账户汇款 －在适用此服务的情况下，收汇人选择通过手机、银行或其他账户领取汇款，可能需要缴付额外的费用。汇款应汇入收款人当地货币或指定的非当地货币账户，否则收汇机构可根据其汇率来兑换或拒绝处理该笔汇款。收款人与其手机服务，手机钱包，银行或其他账户供应商之间的协议将规范其帐户，并决定其权利、责任、费用、可用的资金以及帐户的限制。如账户号码(包括移动帐户的移动电话号码) 不属于汇款人所提供的收款人，汇款将会存入汇款人提供的账户。西联可能从使用账户相关的费用中赚取利润。对于汇款人或任何账户持有人兑换非当地货币时所使用的汇率或产生的费用，送款目的地的金融服务供应商或中介金融服务供应商的行为或遗漏，西联一概不承担责任。

退款－假如汇款在45天内尚未支付予收款人或入账，西联可以应汇款人的书面请求退还汇款本金（按照本文所述，以退款当时所适用的汇率计算）。如收款人无法在其所选择的服务所指定的时间内领到汇款，汇款人可透过书面请求退还汇款手续费。退还汇款手续费受限于所选择支付的网点的办公时间及资金情况及其他情况（包括但不限于西联或其代理不可控制的情况，如恶劣天气或通信故障等），汇款人如要求停止汇款，汇款手续费将不予退还。某些汇款的支付可能会因美国适用的法律或其它适用的法律有所延误。在法律允许的情况下，西联可以从在发汇日起一年内未领取的汇款中扣除行政费。

责任－西联不保证以其汇款服务所支付的任何货物或服务的付运或适用性。汇款人应把其汇款交易信息保密，且不得与收款人之外的任何人共享。汇款人应避免向任何陌生人汇款。如果汇款人向收款人以外的任何人透露其汇款交易的信息，西联或其代理在任何情况下均不承担任何责任。对于汇款过程中的任何延误、拒付或支付不足所造成的损害、或因任何未能送达附言所造成的损害，无论是否因西联雇员或代理的疏忽或其他原因所造成，西联在任何情况下的损害赔偿责任均不超出等值500美元（除退还汇款本金与手续费以外）。

在任何情况下，西联或其代理均不对任何间接、特殊、偶然或后续损害负责。如果上述责任限制在某些司法管辖区内无效，上述免责声明并不限制西联或其代理对因西联或其代理的重大疏忽或故意不当行为所造成损害的责任。

如代理接受支票汇票、信用卡或借记卡或其它非现金支付方式，但该支付方式无法支付款项，西联与其代理均沒有任何处理或支付汇款的义务，亦不承担因无法取回款项而导致汇款拒付所造成任何损害的责任。西联保留不经预先通知而更改条款和条件、以及汇款服务的权利。西联及其代理可以拒绝向任何人提供汇款服务。

数据保护 — 您的个人信息根据适用的法律处理，并由西联控制。在您使用西联的产品和服务时，我们会使用您的个人信息及其他因为您和我们的客户关系所收集或产生的个人信息。这些信息包括来自其他服务的信息，例如汇款、账单支付，或会员计划的细节，以往使用我们服务的历史，以及市场营销选择的信息。此信息用于向您提供您所要求的服务，以及其他活动，例如行政管理、客户服务、反洗钱、合规及法律责任，验证您的详细信息，分析和研究我们拥有的信息以了解我们的客户、有助防止及协助识别欺诈，债务和盗窃，从而帮助我们改进我们的产品，服务和营运，并在您的同意的前提下，通过电子邮件，电话，邮寄，短信及其他相关渠道给您发送商业通信。

西联可以使用、收集并与其它与我们合作的单位共用您所注册的其它产品和服务、便利活动和/或奖赏计划中的信息。该信息可用于本节中所述的任何目的。为完成交易，我们将保存您所提供有关其他人士的信息，包括使用我们服务的收款人信息。在提供这些信息前，您有责任根据本节所述通知有关人士其信息会被使用并获得他的授权。提供这些信息是酌情的，但这些信息是完成交易并为您提供这些服务必要的，如果没有这些信息，西联将无法完成汇款服务、支付服务、便利活动或其它所要求的服务。

为用于本节中所述的任何目的，我们可以向所收集或产生信息的国家/地区以外的其它国家/地区的第三方（包括在美国的关联机构）提供我们拥有的信息。提供的信息类别包括个人身份信息，联系方式及有关的汇款信息、交易历史，以及您所提供的任何其它信息。如有合理需要，我们也可以向其他机构以及授权服务供应商，包括协助我们业务运作的机构，提供以上的信息以处理或协助办理汇款、未来的服务，或为任何本节所列出的其它原因或用途。我们可能会添加从其它业务所得到的信息到您所提供的信息中，包括为了验证你所提供的信息的准确性所需要的信息。西联以及在世界各地的关联机构在以下情况可能会透露您的个人信息（包括但不限于您的姓名，身份证号码，地址和银行账户信息）（i）若本国或外国的法律或法律程序要求我们这样做；（ii）为侦查，调查，起诉和预防犯罪，包括洗钱和相关犯罪活动，以及其它相关用途，而向执法机关或其他政府官员（包括在本国，美国或其他地方的机关或官员）披露以上个人信息，而收到这些信息的一方也可以出于以上目的或其它相关目的进一步披露这些信息。

您有权查看及索取这些信息的副本，我们可能就此收取小额费用。您可以改正、删除、或限制西联使用不完整、不准确或已经过时的信息。若处理这些信息不是为了提供服务，或者不是法律法规所要求，您可以在任何时候基于合理的原因拒绝让我们使用这些信息。如果您希望行使这些权利或不希望从西联收取商业通信，请在正常办公时间致电以下的电话号码。

客户关系－西联的服务合约是与汇款人签订的，西联对汇款人以外的任何人士（例如汇款人代为发汇的一方）均没有法律义务。如你对有关服务不满意，可拨打以下的电话号码，西联的客户代表会尽快调查你的疑问

西联汇款服务由美国西联金融服务有限责任公司（支持商业服务交易）和爱尔兰西联国际有限责任公司（支持汇款）通过全球西联授权的代理及代表网络提供。

客户服务电话：400-819-9377 或 021-68664610*

服务时间： 每天 08:00-23:00

版权所有 2012 – 2018

西联控股有限责任公司

2018年1月修订

I acknowledge that I have read, understood and accepted these terms and conditions of the Western Union^® Money Transfer^SM Service

WESTERN UNION^® MONEY TRANSFER^SM SERVICE IS PROVIDED ON THE FOLLOWING TERMS AND CONDITIONS

Western Union^® Money Transfer^SM transactions can be sent and picked up at most Western Union^® Agent locations worldwide. Customers may call the number listed below for the address and hours of nearby locations. Some locations are open 24 hours.

Regular money transfers are usually available within minutes for pick up by the receiver, subject to the opening hours of the receiving Western Union Agent (“Agent”) location. The Next Day/2 Day and account-based money transfer services are available upon request to limited countries. The money sent using the Next Day/2 Day money transfer service will be available for collection within 24 and 48 hours respectively. Account-based transfers generally take up to 5 business days, though transfers to mobile wallets are often available within minutes. Exceeding amount limitations, regulatory restrictions or other restrictions in certain countries/territories may delay the transaction. Western Union does not act as the agent or representative of any bank for any purpose and does not accept deposits on behalf of any bank. Call the number below for details.

Money transfers will normally be paid in cash, but some Agents may pay by cheque or a combination of cash and cheque or may offer or the receiver may choose other ways to receive funds and some money transfers may be paid to accounts. All cash payments are subject to availability, receivers showing documentary evidence of their identity and providing all details about the money transfer required by Western Union, including sender’s and receiver’s names, country/territory of origin, approximate sum, MTCN and any other conditions or requirements applicable at the Agent location. The sender authorizes Western Union to honor the receiver’s choice of method to receive funds even if it differs from the sender’s. Cash money transfers shall be paid to the person that Agents deem entitled to receive the transaction after verification of identity often through examination of identification documents. Such payment can be made even when the form filled out by the receiver contains minor errors. Neither Western Union nor its Agents carry out a comparison of the “To Send Money” form against the “To Receive Money” form to verify the address given for the receiver. In some destinations the receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are prohibited in certain countries/territories.

Applicable law prohibits money transmitters from doing business with certain individuals and countries/territories. Western Union is required to screen all transactions against lists of names provided by the governments of the countries/territories in which we do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, Western Union researches the transaction to determine if the name matched is the individual on the relevant list. On occasion, customers are required to provide additional identification or information, delaying transactions. This is a legal requirement for all transactions processed by Western Union (inclusive of transfers that originate and terminate outside of the US).

TRANSFER FEES Written information explaining how Western Union charges the sender for making a money transfer will either be displayed prominently at the Agent location or shown to the sender prior to completion of the payment order. Unless applicable law in the destination country/territory requires otherwise, the sender will bear all fees for the money transfer. In certain cases, payment of a money transfer may be subject to local taxes and service charges.

FOREIGN EXCHANGE -Money transfer payments will normally be made in the currency of the destination country/territory (in some countries/territories payment is available only in U.S. dollars or other alternate currency). In addition to the transfer fee applicable to each transfer and if the currency which the sender presents to an Agent is not the currency to be received by the receiver, all currency is converted at Western Union’s then current rate of exchange. The currency will be converted at the time of transfer and the receiver will receive the foreign currency amount shown on the transaction form. In a few countries/territories local regulations require the currency to be converted at the time the receiver is paid, in which case the exchange rate and any amounts shown on the transaction form may be subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds. Western Union calculates its rate of exchange 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 global financial markets. The exchange rate applied may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Western Union will be kept by Western Union (and, in some instances, its Agents) in addition to the transfer fees. Additional information about exchange rates for specific destination countries/territories can be obtained by calling the number below or on our website at www.westernunion.com.

Sending and receiving in countries/territories that provide payment in multiple currencies: Senders must select the currency of payment at the time the send money transaction is made. The transfer fee and the money Western Union (or its Agents, mobile phone or account provider) makes when it changes the funds into foreign currency may vary based upon the payment currency selected. In some countries/territories it is possible to decide to receive the funds in a currency different from the one that the sender selected. Western Union (or its Agents, mobile phone or account provider) may make additional money when your funds are converted into the currency selected by the receiver.

SPECIAL SERVICES

TELEPHONE NOTIFICATION to the receiver that the money transfer is available for pick up is offered in most countries/territories for an additional fee. MESSENGER DELIVERY of a cheque or a bank draft is available in some countries/territories to selected destinations for an additional fee. SUPPLEMENTAL MESSAGES may be included for an additional fee with money transfers sent to most countries/territories.

SMS – Where available, Western Union offers free SMS notification to indicate that the transaction has been collected by the receiver (for the sender) or that funds are available for collection (for the receiver). Charges applied by the service provider are the exclusive responsibility of the sender or receiver. If permitted by applicable law, the SMS will be sent to the sender’s and/or receiver’s mobile number they have provided. Western Union will send SMS messages to a third party gateway for delivery. Western Union is not responsible for undelivered SMS or technical malfunctions that occur outside of its proprietary systems.

ACCOUNT BASED TRANSFERS – Where available, the receiver may incur additional fees for receiving the sender’s funds through a mobile telephone or to a bank or other account. Transfers must be sent to a local or non-specified currency account, otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The receiver’s agreement with its mobile phone service, mWallet, bank or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event that the account number provided (including mobile phone numbers for mobile accounts) does not belong to named receiver, the transfer will be credited to the account number provided by the sender. Western Union may make money from fees associated with use of an account. Western Union accepts no responsibility to the sender nor to any account holder for any fees, exchange rates used for conversion to non-local currency, acts or omissions of the destination or intermediary financial service providers.

REFUND - Western Union will refund the principal amount of a money transfer (at the applicable exchange rate described herein in effect at the time the refund is made) upon the written request of the sender if payment to the receiver is not made or credited within 45 days. Transfer fee refunds are made upon sender’s written request if the money transfer is not available to the receiver within the time specified for the selected service, subject to the business hours of, and availability of funds at, the location selected for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its Agents, such as inclement weather or telecommunications failure. Transfer fees are not refunded if the transfer is stopped at the sender’s request. 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 may deduct an administrative charge from money transfers that are not picked up within one year of the send date.

LIABILITY- WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR SERVICES PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. THE SENDER’S TRANSACTION DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN HIS RECEIVER. THE SENDER IS CAUTIONED AGAINST SENDING MONEY TO ANY PERSON HE DOES NOT KNOW. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE IF THE SENDER COMMUNICATES TRANSACTIONAL DATA TO ANY PERSON OTHER THAN HIS RECEIVER. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS AGENTS BE LIABLE FOR DAMAGES FOR DELAY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR AGENTS OR OTHERWISE, BEYOND THE SUM EQUIVALENT TO US$500 (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT OF THE MONEY TRANSFER AND THE TRANSFER FEE).

IN NO EVENT WILL WESTERN UNION OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER SHALL NOT LIMIT WESTERN UNION’S OR AGENT’S LIABILITY FOR DAMAGES RESULTING FROM WESTERN UNION’S OR AGENT’S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS WHERE SUCH A LIMITATION OF LIABILITY IS VOID.

When an Agent accepts a cheque draft, credit or debit card or other non-cash form of payment, neither Western Union nor the Agent assumes any obligation to process or pay the money transfer if the form 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 reserves the right to change these terms and conditions or the offered service without notice. Western Union and its Agents may refuse to provide service to any person.

DATA PROTECTION – Your personal information is processed under applicable laws and is controlled by Western Union. We use personal information you provide to us when using our products and services, as well as other information that is collected or generated during our relationship with you. This includes information from other services like money transfers, bill payments, loyalty or membership program details, previous use of our services history, and marketing choices. This information is used to provide you with the services you have asked for and for activities such as administration, customer service, anti-money laundering, compliance and legal duties, to validate your details, to help us understand our consumers by doing analysis and research of the information we hold, to help prevent and detect fraud, debt and theft, to help us improve our products, services and operations, and, subject to your choices, send you commercial communications by email, telephone, post, SMS and by any other relevant channel.

Western Union may use, collect from and share with other businesses that work with us, information from other products and services and convenience and/or rewards programs, for which you have registered. This information may be used for any of the purposes in this section. We will hold and retain the information that you give us about another person including the details of the receiver of our services in order to execute the transaction. Prior to providing this information you are obliged to notify and secure authorization from the other person on the use of this information as set out in this section. The provision of this information is optional information, but needed to execute the transaction and provide these services to you. Without it, Western Union is unable to execute the money transfer or payment service, facilitate convenience activities or other requested services.

We may provide the information we hold to parties located in countries/territories other than the country/territory in which the information originally was collected or created, including to affiliates in the USA, for the purposes set out in this section. The categories of data transferred include personally identifiable information, contact details and information relating to the money transfer, transaction history, and any other information supplied by you. We may also provide the information to other organizations and authorized service providers, including those that help us run our business, if there is a reasonable need to do so, to carry out or aide the money transfer, future services, or for any of the reasons or uses set out in this section. We may add to information you provide with information from other businesses or individuals, including information to validate the accuracy of your information provided by you. Western Union and our affiliates worldwide may disclose your personal information, including without limitation your name, customer ID number, address and bank account information, (i) if we are required to do so by domestic or foreign law or legal process or (ii) to law enforcement authorities or other government officials (including those in this country/territory, the United States or elsewhere) for purposes such as detecting, investigating, prosecuting and preventing crimes, including money laundering and related criminal activity, and the recipients may further disclose the information for these and other related purposes.

You have a right to ask us to see and get a copy of your information, for which we may charge a small fee. You can also correct, erase or limit our use of the information which is incomplete, inaccurate or out-of-date. You may object at any time on legitimate reasons to the use of your information, where the processing is not required to complete the service, or required by law or regulation. If you wish to exercise these rights or no longer wish to receive commercial communications from Western Union, please call Western Union using the number below during regular business hours.

CONTRACT AND CUSTOMER RELATIONS – Our contract is with the sender. We have no obligations to any other party, such as a party the sender sends funds on behalf of. If you are not satisfied with the service you should telephone the number below. A representative will investigate your concerns fairly and speedily.

The Western Union Money Transfer Service is provided by Western Union Financial Services, Inc., an American company (for commercial services transactions) and Western Union International Limited, an Irish company (for money transfers), through a network of authorised Agents and representatives.

Customer Service Center Hotline: 400-819-9377 or 021-68664610* Opening Hours: 08:00-23:00 Daily

Copyright 2012 – 2018 WESTERN UNION HOLDINGS, INC.

All Rights Reserved.

Revised January 2018