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✏️ Editing: 1696084061.M183475P1785059.aristoteles.x5servers.net,S=165858,W=167622:2,RS

Envelope-to: RCRUZ@SAPASEQUIPMENT.COM
Delivery-date: Sat, 30 Sep 2023 10:27:41 -0400
From: "WesternUnion Service" <westernunionresponse@westernunion.com>
To: <RCRUZ@SAPASEQUIPMENT.COM>
Subject: Rick, your money transfer is ready for pickup
Date: Sat, 30 Sep 2023 08:26:45 -0600
MIME-Version: 1.0
Reply-To: "DCO Emails" <reply-fec315777d620679-31_HTML-303715908-514011332-594652@transactions.westernunion.com>
Message-ID: <3e358ceb-efe8-475e-835c-5c8e2757383d@atl1s11mta538.xt.local>
Content-Type: multipart/alternative;
	boundary="QdCjyHMCkvAH=_?:"

This is a multi-part message in MIME format.

--QdCjyHMCkvAH=_?:
Content-Type: text/plain;
	charset="utf-8"
Content-Transfer-Encoding: 8bit

Western Union
  
Please find your transaction details inside
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https://view.transactions.westernunion.com/?qs=9eadb27b563b180bd62733e81a99597bf81a13494fb466cc7315dd19b84730191202d5fc3ba246582ede45765e1f73304acd876c03213d695257b26c4837dd92f45d05169b85faca64c80eb9515feed3 
Open email in browser

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263a1864ec2bb3708b470ab0e1a7f6a4400ec3cb76add351f8fb927963475cbadda95c403614848fab256e1cc5f8da33a34da0518299efc10e4

Alfonso can now pick up the money

Hello Rick,

Your money transfer MTCN 7291634033 has been sent and will be available on Alfonso's debit cardby 09-30-2023.

Your money transfer with MTCN 7291634033 is successfully placed and will be available for home delivery to Alfonso by 09-30-2023.

Our delivery agent will call Alfonso before attempting the home delivery. At the time of the delivery please ask Alfonso to:

Show a valid government-issued ID

Have the MTCN 7291634033 handy, if available.

Your money transfer MTCN 7291634033 has been sent and will be available in Alfonso’s mobile walletby 09-30-2023.

Your money transfer MTCN 7291634033 has been sent and will be available in Alfonso’s bank account by 09-30-2023.

Your money transfer MTCN 7291634033 has been sent and is on its way to Alfonso’s bank account.

Your money transfer MTCN 7291634033 has been sent. To receive the money, please ask Alfonso to register with our agent, GraceKennedy, within 7 days.
Please share the below links with them:

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263173598cdb3a133c32f33bd5c9d71af58b87cde26e5044e58cdbac806de0ee2bd8b4ac29f390b3ec3dc22c3ccd73f8212507a6b43afdc18a7 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263111d74812a4b902e245a6d0eb2e6f10f390a90836ae07c00268fb268681d5aefb5c4bb983e30e1c761d3baaba01deb6093be2814930ea8c1

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263906d6f7295f1c0700e9f556c9ee2ecbb6e3596d9411e19ad5bb559acdc7224fb23172dbb71980f57e179617d9e9b88d3b9d0c80602f2a38b 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263543d6d97068e4adfd5186a56c35e78e3421644668e20629644c15e20e1c89c0dbe1f56a800c11389556cdb2696f4a89dcbc5333d31327299

https://wucare.westernunion.com/s/article/Additional-ID-requirements-for-receiver?language=en_US#jamaica 
Learn more  about the registration process.

Your money transfer MTCN 7291634033 has been sent and is available for Alfonso to pick up at an 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263345fee78e73c27c6c9bea559d04a70e01313f707d9fee6a5768d1fbb5cc527955714e16c651b733f38db4813fc88204bf18821d559e492c4 
agent location . Please ask Alfonso to bring the following:

Government-issued photo ID

The tracking number MTCN 7291634033

Your Final receiver’s full name on the ID must match the information provided by you.Did you know? Alfonso can also receive money directly in a bank account using this link: 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd26375f87d897e812a21bf9463ad022c72d3a3bdc21c11be34b89b748d9b026bcd35ab7e1868cce2e9af14af9839fb1fad81fa594cefbc4cefe5 
https://go.wu.com/sd-ra-mx?mtcn=7291634033&src=SD_RA&WUCountry=mx

Thank you for sending money with us.

Alfonso can now pick up the money

Hello Rick,

Your money transfer MTCN 7291634033 has been sent and will be available on Alfonso's debit cardby 09-30-2023.

Your money transfer MTCN 7291634033 has been sent and will be available in Alfonso’s mobile walletby 09-30-2023.

Your money transfer MTCN 7291634033 has been sent and will be available in Alfonso’s bank account by 09-30-2023.

Your money transfer MTCN 7291634033 has been sent and is on its way to Alfonso’s bank account.

Your money transfer MTCN 7291634033 has been sent. To receive the money, please ask Alfonso to register with our agent, GraceKennedy, within 7 days.
Please share the below links with them:

https://wucare.westernunion.com/s/article/Additional-ID-requirements-for-receiver?language=en_US#jamaica 
Learn more  about the registration process.

Government-issued photo ID

The tracking number MTCN 7291634033

Thank you for sending money with us.

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263551464b18053729d5c17c692f7fc4cce97463fe16a965dde7128d4b3395da2075376d14516bd9760782f0147af9940e02dacb40c8946781e 
Track your transfer  with your 10-digit MTCN number.

Your Receipt:

Tracking Number (MTCN)
7291634033

Date of Transactions
09-30-2023 10:26:32 ET

Sender Details

Name
Rick Cruz

Address
5602 VERONA RIDGE DR, FULSHEAR, TX, 77441, UNITED STATES

Phone Number
 7135023780

Final Receiver Details
Name
Alfonso Morales Cabrera

Address
, MEXICO CITY, MEX, 52977, MEXICO

Phone Number
525560679639

Expected Foreign Country Payout Location

MEXICO CITY, MEX, MEXICO

Payment Information

Paid with
Credit/Debit card
Visa ending in 2099

Payout Information
Date Available in Final Receiver&rsquo;s Country
09-30-2023

Delivery Method
At any agent location in Final receiver's expected foreign country payout location

Billing Summary
Transfer Amount
200.00 USD

Transfer Fees
+ 4.99 USD

Additional Fees
+ 0.00 USD

Transfer Taxes
+ 0.00 USD

Promo Discount
-  USD

Total
204.99 USD

Transfer Summary
Exchange Rate*
1 USD = 17.1780 MXN

Transfer Amount 
3,436.00 MXN
   
Other Fees
-  MXN

Total
204.99 USD

Total to Final Receiver
3,436.00 MXN

Your Receipt:
Tracking Number (MTCN)7291634033
Date of Transactions09-30-2023 10:26:32 ET

Date Available in Final Receiver&rsquo;s Country

Sender Details

NameRick Cruz

Paid with
Credit/Debit card
Visa ending in 2099

Final Receiver Details

NameAlfonso Morales Cabrera

Delivery Method
At any agent location in Final receiver's expected foreign country payout location

Transfer Summary

Transfer Amount200.00 USD
Transfer Fees+ 4.99 USD
Promo Discount-  USD
Total
204.99 USD
204.99 USD
Exchange Rate*1 USD = 17.1780 MXN
Total to Final Receiver3,436.00 MXN

For all transfers, Final Receiver may receive less due to foreign taxes. 
  You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Final Receiver at 
tel:+1-800-325-6000 
1-800-325-6000  or 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd26337858131a8983338e0d2493a54ac88addb3b8dad6d709639afbe9842f55844938cbe461515691eb753a061a77bb35099d99ac845cc9cdc9f 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263eb149b462986a2d4b3e410326c5c16439ec89219e7f19f17a5a68e0ff257c83bd9116eaedfe8c8e354fde25f767b172dc944780498feb190 . You can also contact us for a written explanation of your rights.

Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.

For inquiries or comments, please visit 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd26337858131a8983338e0d2493a54ac88addb3b8dad6d709639afbe9842f55844938cbe461515691eb753a061a77bb35099d99ac845cc9cdc9f 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263eb149b462986a2d4b3e410326c5c16439ec89219e7f19f17a5a68e0ff257c83bd9116eaedfe8c8e354fde25f767b172dc944780498feb190  or write to:

Western Union

P.O. Box 6036, Englewood, CO 80155

or call: 
tel:+1-800-325-6000 
1-800-325-6000

For questions or complaints about Western Union, contact:

Consumer Financial Protection Bureau

tel:+1-855-729-2372 
1-855-411-2372

tel:+1-855-729-2372 
1-855-729-2372  (TTY/TDD)

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263db10e5897ade9303209b1629dc4b354359bc1d7a5499538f48a8e44ba2e20c6eb3dbd40233fc42d8235ef113618125047b790e58b41bb6a3 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2637fb53ecab7f1895b611a7b945e02054696fa3d5a0a0cb2c51e968471da4c3b91700fc33f4318c408ff472ac425ca610e8ac60c9c7a5738dd

Texas Department of Banking

tel:+1-877-276-5554 
1-877-276-5554

tel:+1-512-475-1300 
1-512-475-1300

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263d43f89461916805f2b5a1b9e2df894570b212bd6ed75f3f16f4873a14f88686cf66db901f67fe2f6d0391e740c95708bbc2843b175480a0e 
http://www.dob.texas.gov

WUFSI issues this receipt when you pay WUFSI or its Agent and WUIS issues this receipt when WUFSI pays WUIS on your behalf.

*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.

Your card issuer may charge a cash advance fee and interest for using a credit card.

CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. Western Union does not guarantee delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider. Customer and Receiver agree not to use Services for escrow purposes.

THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263921d4c6dcca871260e963f3ea8e951f982dc1c9e008c55739ba4dd717002fd38d276724d74dd66af1cd99841ab878574fe734eac3bdc65f1 
TERMS AND CONDITIONS  AND APPLICABLE LAW.

1. WHEN YOU SEND MONEY WITHIN THE U.S. OR ITS TERRITORIES ("U.S."), WESTERN UNION(R), VIGO(R) AND ORLANDI VALUTASM ("OV") MONEY TRANSFER SERVICES (COLLECTIVELY, THE "SERVICE(S)") ARE PROVIDED BY WESTERN UNION FINANCIAL SERVICES, INC. ("WUFSI";NMLS:906983). WHEN YOU SEND MONEY OUTSIDE THE U.S., SERVICES ARE PROVIDED JOINTLY BY WUFSI AND WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS";NMLS:906985). THE U.S. PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A WESTERN UNION, VIGO, OR OV AGENT. WUIS PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS ("AGREEMENT") AND APPLICABLE LAW. Additional information regarding the Services may be obtained in this Agreement, at 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com , 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263781c865a8ccc5636c173a92876891507ee57ad699f8ee27678ffdcc2d7b8b17892e0debdc65505f2ad0d8a45b030bad0b188af88f7cea363 
vigousa.com  and 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263afd3dd79ff516e1e7d329b8bceaeb8a68ab5a7f21c74401e5e4e1cf1a3b3bf9816e6f9ef362f28f25bcb5e80c2a8b6f773072f5918494582 
orlandivaluta.com , depending on the Services you choose. As used in this Agreement, "WU" or "Western Union" refers to WUFSI for transactions sent within the U.S., and WUFSI and WUIS for transactions sent outside of the U.S., and "Agent(s)" refers to U.S. agents of WUFSI and/or international agents or representatives of WUIS, as applicable. Service and funds availability depend on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones. "Receiver(s)" or "Final Receiver(s)" means the recipient designated by the
 consumer ("You" or "Your") to receive funds sent by You in the Expected Payout Location ("EPL"). For transactions sent, EPL generally means any Agent location in the destination country You identify. The Services offered by Telecomunicaciones de Mexico ("Telecomm") are only available at Telecomm locations. Final Receiver will normally receive funds in cash, check, or a combination thereof; with some Services, funds may be credited to a bank account, prepaid, debit or credit card ("Card(s)"), mobile wallet ("MWallet(s)"), or similar account (collectively, "Account(s)"). Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize WU to honor Receiver&rsquo;s election of payout method. Receivers who choose to receive funds through a payout method other than cash or in a currency other than the one You selected may incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or
 tariff on Receiver's receipt of, or access to, transferred funds. Transactions may be reported to applicable authorities. Messaging
 and notification services may be included for additional fees. In some destinations 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. WU RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.

2. REFUNDS: Subject to applicable law: (i) transactions may be canceled for a refund of the transfer amount, unless the funds have been picked up or deposited at the time WU receives Your written request; (ii) for certain services, excluding WU's bill payment and prepaid products and services, WU may provide a transfer fee refund if funds are not available within the specified timeframe; and (iii) WU may charge You a fee to refund the transfer amount back to You in those instances where Receiver rejects Your funds. Qualifying refunds for transactions within the U.S. will be made within 45 days of receipt of Your valid written request. WU may issue Your refund through a Western Union money transfer or WU may issue the refund to the credit / debit card or bank account that was used to pay
 for the transaction. In lieu of receiving the refund by a Western Union money transfer, You may request WU to mail You a check in the amount of the refund. SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may be canceled for a full refund of the transfer amount and fees paid within 30 minutes of payment, unless the funds have been picked up or deposited. You may also receive a full refund in certain circumstances if You successfully assert an error or as otherwise provided under applicable law.

3. RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation ("NAM") under its Comprehensive Dispute Resolution Rules and Procedures, which are available at 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263da8d52d110470b17d662c3979e3a1a5604822a850db029e472021ada0123a4ba6cc5f16a9654298264ed1882b51dc97938a7d6e008ab7473 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263fcc98884235f8b6154f620b9216b9a4678f88cf4bbc1b0c5a303213b93ef6522c1e659a2e4ae7c33493601462091d5a4540b9c715c4816fd  or by writing to 990 Stewart Ave., 1st Fl., Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125 of the administration fees. WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation. Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration within 30 days after initiating a transaction by calling 
tel:+1-800-325-6000 
1-800-325-6000  (WU), 
tel:+1-866-519-0433 
1-866-519-0433  (Vigo) or 
tel:+1-800-515-5505 
1-800-515-5505  (OV). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.

4. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL WU BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transfer amount and transfer fee and except as provided in California Financial Code S 2102); and (2) IN NO EVENT SHALL WU OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.

5. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside the U.S., You are contracting with both WUFSI and WUIS, which are conducting two separate money transfer transactions in order to make the money available to Final Receiver. In the first transaction, You are engaging WUFSI and its Agents to collect Your money and make it available to WUIS.  In the second transaction, You are engaging WUIS to convert Your money into the correct currency and make the funds available to Final Receiver outside the U.S. WUFSI issues this receipt when you pay WUFSI or its Agent and WUIS issues this receipt when WUFSI pays WUIS on Your behalf.

In addition to the transfer fees, which are charged by WUIS, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by WU unless the laws of the EPL do not permit WU to set an exchange rate. Any difference between the rate given to You and the rate received by WU will be kept by WU (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures provided to You by WU. Payouts will generally be made in the national currency of the EPL ("Local Currency"). In some countries, You may designate a payout currency other than the Local Currency; however, the alternate currency You choose may
 not be available at all Agent locations. WU is not responsible for the currency exchange rate that will be applied if Final Receiver chooses to receive a currency other than the currency You selected.

6. PRIVACY: We may collect and disclose personal information to third parties as explained in our Privacy Statement. To get a copy, visit 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com  or email 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com . We collect personal information, for example, when You transact with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other means; use or visit our or other apps or online sites; enter a promotion; register for communications; or join a loyalty program.  We also collect information from many sources and may collect, track and combine information across devices, platforms and channels.  Information disclosed may include financial data (e.g., information on transactions with us and other financial matters), contact information, identification, computer, mobile device and social network information.  Recipients may include financial and non-financial companies, service providers, government agencies and direct
 marketers.  You may direct us to limit certain disclosures, and Your choice will apply until You change Your choice or we delete Your data. To limit disclosures (opt out), email 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com .

TEXAS CONSUMERS

Complaints concerning sale of checks or money transmission activities should be directed to: Western Union Financial Services, Inc., P.O. Box 6036, Englewood, Colorado 80155 or call 
tel:+1-800-325-6000 
1-800-325-6000 . After first contacting Western Union, if you still have an unresolved complaint regarding the company&rsquo;s sale of checks or money transmission activities, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705; Telephone Number: 
tel:+1-877-276-5554 
1-877-276-5554 , Fax Number: 
tel:+1-512-475-1313 
1-512-475-1313 , e-mail address: 
mailto:consumer.complaints@dob.texas.gov 
consumer.complaints@dob.texas.gov  ; Website Address: 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2634e9f7b783786ad426a476da498dbc66295828ed557c1041295b1dc214b08f946be27d456c5391d901f340b9ce91b6d700274512e430ad240 
www.dob.texas.gov .

ALERTA DE FRAUDE AL CONSUMIDOR: PROTEJASE A USTED MISMO. SEA CUIDADOSO CUANDO UN EXTRANO LE PIDA QUE LE ENVIE DINERO, EN ESPECIAL PARA SUBASTAS POR INTERNET U OFERTAS TELEFONICAS O POR EL DIARIO. Western Union no garantiza la entrega ni la idoneidad de los productos o servicios que se pagan con los Servicios. Western Union no es un proveedor de servicios de garantias. El cliente y el destinatario aceptan no usar los Servicios para fines de garantia.

LOS SERVICIOS, TAL COMO SE DEFINEN A CONTINUACION, SE LE SUMINISTRAN CON SUJECION A LOS 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263921d4c6dcca871260e963f3ea8e951f982dc1c9e008c55739ba4dd717002fd38d276724d74dd66af1cd99841ab878574fe734eac3bdc65f1 
TERMINOS Y CONDICIONES  Y A LA LEY APLICABLE.

1. CUANDO ENVIA DINERO DENTRO DE LOS EE. UU. O SUS TERRITORIOS (LOS "EE. UU."), LOS SERVICIOS DE TRANSFERENCIA DE DINERO DE WESTERN UNION(R), VIGO(R) Y ORLANDI VALUTA℠ ("OV") (COLECTIVAMENTE, LOS "SERVICIOS") SON SUMINISTRADOS POR WESTERN UNION FINANCIAL SERVICES, INC. ("WUFSI";NMLS:906983). CUANDO ENVIA DINERO FUERA DE LOS EE. UU., LOS SERVICIOS SON PROPORCIONADOS CONJUNTAMENTE POR WUFSI Y WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS";NMLS:906985). LA PARTE DE LOS SERVICIOS DENTRO DE LOS EE. UU. GENERALMENTE ES PROPORCIONADA POR UN AGENTE DE WESTERN UNION, VIGO U OV. WUIS PROPORCIONA LA PARTE DE LOS SERVICIOS FUERA DE LOS EE. UU. TODAS LAS PORCIONES DE LOS SERVICIOS (DENTRO DE LOS EE. UU. Y FUERA DE LOS EE. UU.) ESTAN SUJETAS A ESTOS TERMINOS Y CONDICIONES (EL "CONTRATO") Y LA LEY
 APLICABLE.. Puede obtenerse informacion adicional con respecto a los Servicios en este Contrato, en wu.com, vigousa.com y orlandivaluta.com, segun los Servicios que elija. Tal como se usa en este Contrato, "WU" o "Western Union" hacen referencia a WUFSI para las transacciones enviadas dentro de los EE. UU., y WUFSI y WUIS para las transacciones enviadas fuera de los EE. UU., y "Agente(s)" hace referencia a los agentes estadounidenses de WUFSI y/o agentes o representantes internacionales de WUIS, segun corresponda. La disponibilidad de servicios y fondos dependen de ciertos factores, incluido el Servicio seleccionado, la seleccion de las opciones de demora de entrega, los terminos especiales aplicables a cada Servicio, la cantidad enviada, el pais de destino, la disponibilidad de la
 moneda, las cuestiones de proteccion al consumidor o regulatorias, los requisitos de identificacion, las restricciones de entrega, el horario de la localizacion del agente y las diferencias de huso horario. "Destinatario(s)" o "Destinatario(s) Final(es)" hacen mencion al destinatario designado por el consumidor ("Usted" o "Su") para recibir los fondos enviados por Usted en la localizacion de pago prevista ("Expected Payout Location, EPL"). Para las transacciones enviadas, EPL en general hace mencion a la localizacion del Agente en el pais de destino que Usted identifico. Los Servicios ofrecidos por Telecomunicaciones de Mexico ("Telecomm") solo est&aacute;n disponibles en las localizaciones de Telecomm. Generalmente, el destinatario recibir&aacute; los fondos en efectivo, en cheque o en
 una combinacion de estos; con algunos Servicios, los fondos pueden acreditarse a una cuenta bancaria, a una tarjeta prepaga, de credito o de debito (las "Tarjeta(s)"), a una billetera movil ("MWallet(s)"), o a una cuenta similar (colectivamente, las "Cuenta(s)"). El destinatario puede elegir un metodo de pago que difiera del metodo de pago que Usted especifique; Usted autoriza a WU a cumplir con la eleccion del Destinatario en cuanto al metodo de pago. Los destinatarios que elijan recibir fondos a traves de un metodo de pago que no sea efectivo o en una moneda que no sea la que Usted eligio, pueden incurrir en cargos adicionales para acceder a los fondos. Algunos paises y/o jurisdicciones pueden imponer un impuesto, honorario y/o tarifa a la recepcion o al acceso de los fondos
 transferidos por parte del Destinatario. Las transacciones pueden informarse a las autoridades aplicables. Pueden incluirse servicios de mensajeria y notificacion por cargos adicionales. En algunos destinos, es posible que se le pida al Destinatario que proporcione identificacion, una respuesta a una pregunta de verificacion o ambos, para recibir los fondos en efectivo. Las preguntas de verificacion no son una medida de seguridad adicional y no pueden usarse para programar o demorar el pago de una transaccion y est&aacute;n prohibidas en ciertos paises. WU CONFIA EN LA INFORMACION QUE USTED NOS PROPORCIONA PARA ENVIAR DINERO. REVISE TODOS LOS DETALLES DE LA TRANSACCION PARA COMPROBAR SU EXACTITUD ANTES DE CONTINUAR CON LA TRANSACCION.

2. REEMBOLSOS: Sujeto a la ley aplicable: (i) las transacciones pueden cancelarse y puede reembolsarse el monto de la transferencia, a menos que los fondos hayan sido recogidos o depositados en el momento en el que WU recibe Su solicitud por escrito; (ii) para ciertos servicios, salvo el pago de la factura de WU y los productos y servicios prepagados, WU puede proporcionar el reembolso del cargo por la transferencia si los fondos no est&aacute;n disponibles en el marco de tiempo especificado; y (iii) WU puede cobrarle un cargo para reembolsarle el monto de la transferencia en los casos en los que el Destinatario rechace Sus fondos. Los reembolsos aptos para las transacciones dentro de los EE. UU. se har&aacute;n en el lapso de los 45 dias desde la recepcion de Su solicitud v&aacute;lida
 por escrito. WU puede emitir Su reembolso a traves de una transferencia de dinero de Western Union o WU puede emitir el reembolso a la tarjeta de credito/debito o a la cuenta bancaria que se uso para pagar la transaccion. En lugar de recibir el reembolso por una transferencia de dinero de Western Union, Usted puede solicitar que WU le envie por correo un cheque por el monto del reembolso. TERMINOS ESPECIALES PARA TRANSACCIONES INTERNACIONALES: Independientemente de lo anterior, y con sujecion a la ley aplicable, las transacciones internacionales pueden cancelarse por un reembolso pleno del monto de la transferencia y los cargos pagados en el lapso de los 30 minutos del pago, a menos que los fondos hayan sido recogidos o depositados. Puede, adem&aacute;s, recibir un reembolso pleno en
 ciertas circunstancias si logra hacer valer un error o de cualquier otro modo contemplado por la ley aplicable.

3. RESOLUCION DE CONFLICTOS: A menos que opte por no participar segun lo estipulado a continuacion, cualquier conflicto que surja de o con relacion a esta transaccion ser&aacute; resuelto mediante arbitraje final y vinculante. El &aacute;rbitro decidir&aacute; adem&aacute;s que est&aacute; sujeto a arbitraje. El arbitraje ser&aacute; administrado por Arbitraje y Mediacion Nacional ("NAM", por sus siglas en ingles) en virtud de sus Reglas y procedimientos completos sobre la resolucion de conflictos, que est&aacute;n disponibles en 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263da8d52d110470b17d662c3979e3a1a5604822a850db029e472021ada0123a4ba6cc5f16a9654298264ed1882b51dc97938a7d6e008ab7473 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263fcc98884235f8b6154f620b9216b9a4678f88cf4bbc1b0c5a303213b93ef6522c1e659a2e4ae7c33493601462091d5a4540b9c715c4816fd  o por escrito a 990 Stewart Ave., 1st Fl., Garden City, NY, 11530, y explican como iniciar un arbitraje. Ser&aacute; responsable de hasta USD 125 de los cargos de administracion. WU puede disminuir esta cantidad si Usted demuestra dificultades. Este Contrato est&aacute; regido por la Ley federal de arbitraje (Federal Arbitration Act) de los EE. UU. y toda concesion estar&aacute; sujeta a la confirmacion judicial. Todo arbitraje tendr&aacute; lugar de manera individual; no se permiten acciones ni arbitrajes colectivos. Si cualquier parte de este p&aacute;rrafo se considera no v&aacute;lida, no invalidar&aacute; a las dem&aacute;s partes. Si el NAM no est&aacute; disponible, las partes o un tribunal seleccionar&aacute; otro arbitraje. Puede
 optar por no participar en el arbitraje en el lapso de los 30 dias despues de haber iniciado una transaccion llamando al 
tel:+1-800-325-6000 
1-800-325-6000  (WU), 
tel:+1-866-519-0433 
1-866-519-0433  (Vigo) o 
tel:+1-800-515-5505 
1-800-515-5505  (OV). SI NO SE RETRACTA, RENUNCIARA AL JUICIO POR JURADO O JUEZ EN UN TRIBUNAL Y A CUALQUIER DERECHO DE PARTICIPAR EN UNA DEMANDA COLECTIVA.

4. LIMITACIONES DE RESPONSABILIDAD:  EN LA MAXIMA MEDIDA PERMITIDA POR LA LEY APLICABLE: (1) EN NINGUN CASO, WU SERA RESPONSABLE POR LOS DANOS Y PERJUICIOS YA SEAN A CAUSA DE UNA NEGLIGENCIA POR PARTE DE SUS EMPLEADOS, PROVEEDORES O AGENTES, O POR OTRA CAUSA, MAS ALLA DE LA SUMA DE USD 500 (adem&aacute;s del reembolso del monto de la transferencia y de los cargos por transferencia y, salvo segun lo estipulado por el Codigo Financiero de California S 2102); y (2) EN NINGUN CASO, NI WU NI SUS AGENTES SERAN RESPONSABLES POR CUALQUIER DANO INDIRECTO, ESPECIAL, INCIDENTAL, RESULTANTE, EJEMPLAR O PUNITIVO, O SIMILAR.

5. TRANSACCIONES INTERNACIONALES, CAMBIO DE DIVISAS: Cuando envia dinero fuera de los EE. UU., Usted celebra un contrato tanto con WUFSI como con WUIS, que realizar&aacute;n dos transacciones de transferencia de dinero por separado para que el dinero este disponible para el Destinatario Final. En la primera transaccion, contrata a WUFSI y a sus agentes para cobrar Su dinero y ponerlo a disposicion de WUIS. En la segunda transaccion, contrata a WUIS para convertir Su dinero en la divisa correspondiente y poner los fondos a disponibilidad del Destinatario Final fuera de los EE. UU. WUFSI emite este recibo cuando tu pagas a WUFSI o a su Agente y WUIS emite este recibo cuando WUFSI paga a WUIS a tu nombre.

Adem&aacute;s de los cargos por transferencia, que los cobra WUIS, se aplicar&aacute; una tasa por cambio de divisa. La divisa de los EE. UU. se convierte a moneda extranjera sujeto a una tasa de cambio de WU a menos que las leyes de ELP no permitan que WU defina una tasa de cambio. Cualquier diferencia entre la tasa que Usted recibe y la tasa recibida por WU ser&aacute; conservada por WU (y, en algunos casos, sus Agentes) adem&aacute;s de los cargos por transferencia. Sujeto a la ley aplicable, la tasa de cambio aplicable real o estimada aplicable a Su transaccion se le informar&aacute; por escrito en la declaracion de informacion que WU le proporciono. Los pagos en general se har&aacute;n en la moneda nacional de EPL (la "Moneda local"). En algunos paises, Usted puede designar una
 moneda de pago que no sea la Moneda local; sin embargo, la moneda alternativa que elija puede no estar disponible en todas las localizaciones del Agente. WU no es responsable de la tasa de cambio que se aplicar&aacute; si el Destinatario Final elige recibir una moneda distinta de la moneda que Usted selecciono.

6. PRIVACIDAD: Podemos recabar y divulgar informacion personal a terceros segun lo explicado en su Declaracion de privacidad. Para obtener una copia, visite 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com  o envie un mensaje por correo electronico a 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com . Recopilamos informacion personal, por ejemplo, cuando Usted hace una transaccion con nosotros (como al usar los Servicios) y otras companias; nos envia informacion en las solicitudes o en formularios y otros medios; usa o visita nuestras aplicaciones o sitios web, o sitios de terceros; introduce una promocion; se registra para la comunicacion o se une a un programa de fidelidad. Adem&aacute;s, obtenemos informacion de muchas fuentes y podemos recopilar, dar seguimiento y combinar informacion entre dispositivos, plataformas y canales. La informacion divulgada puede incluir datos financieros (por ej., informacion sobre transacciones con nosotros y sobre otros temas financieros), informacion de contacto, de identificacion, de una computadora, de un dispositivo
 movil y de una red social. Los destinatarios de esa informacion pueden incluir empresas financieras y no financieras, proveedores de servicios, agencias gubernamentales y agentes de comercializacion directa. Puede indicarnos que limitemos ciertas divulgaciones, y Su decision se aplicar&aacute; hasta que Usted cambie la decision o hasta que eliminemos Sus datos. Para limitar las divulgaciones (optar que no se haga), envie un correo electronico a 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com .

TEXAS CONSUMERS

Las reclamaciones relacionadas con las actividades de venta de cheques o transferencia de dinero deben dirigirse a: Western Union., P.O. Box 6036, Englewood, Colorado 80155 o llame al 
tel:+1-800-325-6000 
1-800-325-6000 . Si despues de comunicarse por primera vez con Western Union, su queja sobre las actividades de la compania relacionadas con la venta de cheques o el envio de dinero continua sin resolverse, dirija su queja a: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705; Numero de telefono: 
tel:+1-877-276-5554 
1-877-276-5554 , numero de fax: 
tel:+1-512-475-1313 
1-512-475-1313 , direccion de correo electronico: 
mailto:consumer.complaints@dob.texas.gov 
consumer.complaints@dob.texas.gov  ; Direccion del sitio web: 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2634e9f7b783786ad426a476da498dbc66295828ed557c1041295b1dc214b08f946be27d456c5391d901f340b9ce91b6d700274512e430ad240 
www.dob.texas.gov .

CẢNH BAO GIAN LẬN CHO NGƯỜI TIEU DUNG: BẢO VỆ CHINH BẠN. HAY CẨN THẬN KHI NGƯỜI LẠ YEU CẦU BẠN GỬI TIỀN, ĐẶC BIỆT LA CHO HOẠT ĐỘNG ĐẤU GIA TREN INTERNET, ƯU ĐAI TREN BAO HOẶC QUA ĐIỆN THOẠI. Western Union khong đảm bảo cung cấp hoặc tinh thich hợp của hang hoa hoặc dịch vụ được thanh to&aacute;n bằng Dịch vụ. Western Union khong phải la nha cung cấp dịch vụ cong chứng. Kh&aacute;ch hang va Người nhận đồng y khong sử dụng Dịch vụ cho c&aacute;c mục đich cong chứng.

DỊCH VỤ, NHƯ ĐƯỢC ĐỊNH NGHĨA DƯỚI ĐAY, ĐƯỢC CUNG CẤP CHO BẠN THEO 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263921d4c6dcca871260e963f3ea8e951f982dc1c9e008c55739ba4dd717002fd38d276724d74dd66af1cd99841ab878574fe734eac3bdc65f1 
ĐIỀU KHOẢN VA ĐIỀU KIỆN  ĐẦY ĐỦ VA LUẬT AP DỤNG.

1. KHI BẠN GỬI TIỀN TRONG PHẠM VI HOA KỲ HOẶC CAC KHU VỰC LANH THỔ HOA KỲ ("HOA KỲ"), CAC DỊCH VỤ CHUYỂN TIỀN WESTERN UNION(R), VIGO(R) VA ORLANDI VALUTASM ("OV") (GỌI CHUNG LA "(CAC) DỊCH VỤ") ĐƯỢC CUNG CẤP BỞI WESTERN UNION FINANCIAL SERVICES, INC. ("WUFSI";NMLS:906983). KHI BẠN GỬI TIỀN RA NGOAI HOA KỲ, CAC DỊCH VỤ ĐƯỢC CUNG CẤP BỞI WUFSI VA WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS";NMLS:906985). PHẦN DỊCH VỤ Ở HOA KỲ THƯỜNG ĐƯỢC CUNG CẤP THONG QUA WESTERN UNION, VIGO HOẶC ĐẠI LY OV. WUIS CUNG CẤP PHẦN DỊCH VỤ KHONG Ở HOA KỲ. TẤT CẢ CAC PHẦN DỊCH VỤ (HOA KỲ VA KHONG Ở HOA KỲ) TUAN THEO ĐIỀU KHOẢN VA ĐIỀU KIỆN ("THỎA THUẬN") VA LUẬT AP DỤNG.. Bạn co thể lấy thong tin bổ sung về Dịch vụ trong Thỏa thuận nay tại 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com , 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263781c865a8ccc5636c173a92876891507ee57ad699f8ee27678ffdcc2d7b8b17892e0debdc65505f2ad0d8a45b030bad0b188af88f7cea363 
vigousa.com  and 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263afd3dd79ff516e1e7d329b8bceaeb8a68ab5a7f21c74401e5e4e1cf1a3b3bf9816e6f9ef362f28f25bcb5e80c2a8b6f773072f5918494582 
orlandivaluta.com , tuy thuộc vao Dịch vụ ma bạn chọn. Như được sử dụng trong Thỏa thuận nay, "WU" hoặc "Western Union" la WUFSI đối với c&aacute;c giao dịch được gửi trong phạm vi Hoa Kỳ, va la WUFSI va WUIS đối với c&aacute;c giao dịch ben ngoai Hoa Kỳ va "(C&aacute;c) Đại ly" la c&aacute;c đại ly ở Hoa Kỳ của WUFSI va/hoặc đại ly hoặc đại diện quốc tế của WUIS, nếu &aacute;p dụng. Tinh khả dụng của dịch vụ va tinh trạng sẵn co của khoản tiền tuy vao c&aacute;c yếu tố nhất định bao gồm Dịch vụ đa chọn, c&aacute;c tuy chọn cung cấp bị tri hoan, điều khoản đặc biệt &aacute;p dụng cho từng Dịch vụ, số tiền được gửi, quốc gia đich, tinh trạng sẵn co tiền tệ, vấn đề về quy định va bảo vệ người tieu dung, yeu cầu x&aacute;c định danh tinh, giới hạn cung cấp, giờ lam việc của đại ly va
 kh&aacute;c biệt về mui giờ. "(Những) Người nhận" hoặc "(Những) Người nhận cuối" nghĩa la người nhận được người tieu dung chỉ định ("Bạn" hoặc "Của bạn") nhận tiền được gửi bởi Bạn tại Vị tri thanh to&aacute;n dự kiến ("EPL"). Đối với những giao dịch được gửi ra, EPL thường co nghĩa la bất kỳ địa điểm Đại ly nao ở quốc gia đich ma Bạn x&aacute;c định. Dịch vụ được cung cấp bởi Telecomunicaciones de Mexico ("Telecomm") chỉ co sẵn tại c&aacute;c địa điểm của Telecomm. Người nhận thường sẽ nhận được c&aacute;c khoản tiền dưới dạng tiền mặt, sec hoặc kết hợp của c&aacute;c loại nay; với một số Dịch vụ, c&aacute;c khoản tiền co thể được ghi co vao tai khoản ngan hang, trả trước, ghi nợ hoặc thẻ tin dụng ("Thẻ"), vi di động ("MWallet"), hoặc tai khoản tương tự (gọi chung la "Tai khoản"). Người
 nhận co thể chọn phương ph&aacute;p thanh to&aacute;n kh&aacute;c với phương ph&aacute;p thanh to&aacute;n Bạn quy định; Bạn ủy quyền cho WU ton trọng lựa chọn phương thức thanh to&aacute;n của Người nhận. Người nhận chọn nhận tiền thong qua phương thức thanh to&aacute;n kh&aacute;c với tiền mặt hoặc ở loại tiền tệ ngoai phương thức Bạn đa chọn co thể ph&aacute;t sinh them phi để truy cập vao quỹ. Một số quốc gia va/hoặc khu vực ph&aacute;p ly nhất định co thể &aacute;p đặt thuế, phi va/hoặc thuế xuất nhập khẩu cho bien nhận của, hoặc truy cập vao, khoản tiền được chuyển của Người nhận. Giao dịch co thể được b&aacute;o c&aacute;o cho cơ quan co thẩm quyền hiện hanh. C&aacute;c dịch vụ nhắn tin va thong b&aacute;o co thể được tinh phi bổ sung. Tại một số điểm đến, Người nhận co phải cung
 cấp giấy tờ tuy than, trả lời cau hỏi kiểm tra hoặc cả hai để nhận tiền mặt. Cau hỏi kiểm tra khong phải la một biện ph&aacute;p an ninh bổ sung, khong thể được sử dụng để keo dai hay tri hoan việc thanh to&aacute;n giao dịch va bị cấm sử dụng ở một số quốc gia. WU TRONG CẬY VAO THONG TIN BẠN CUNG CẤP CHO CHUNG TOI ĐỂ GỬI TIỀN. VUI LONG XEM LẠI TẤT CẢ THONG TIN GIAO DỊCH ĐỂ KIỂM TRA TINH CHINH XAC TRƯỚC KHI TIẾP TỤC GIAO DỊCH.

2. HOAN TIỀN: Theo luật &aacute;p dụng: (i) giao dịch co thể bị hủy để hoan lại sồ tiền chuyển, trừ khi số tiền đa được lấy hoặc gửi vao thời điểm WU nhận yeu cầu bằng văn bản của Bạn; (ii) đối với một số dịch vụ nhất định, ngoại trừ thanh to&aacute;n hoa đơn va c&aacute;c sản phẩm va dịch vụ trả trước của WU, WU co thể cung cấp hoan lại số tiền chuyển nếu khoản tiền khong co sẵn trong khung thời gian đa x&aacute;c định; va (iii) WU co thể tinh phi hoan lại số tiền chuyển cho Bạn trong những trường hợp Người nhận từ chối khoản tiền của Bạn. Những yeu cầu hoan tiền đủ điều kiện trong phạm vi Hoa Kỳ sẽ được thanh to&aacute;n trong vong 45 ngay kể từ khi nhận được yeu cầu bằng văn bản hợp lệ từ Bạn. WU co thể cấp khoản hoan tiền của Bạn thong qua dịch vụ chuyển tiền của Western Union hoặc WU
 co thể cấp khoản hoan tiền vao thẻ tin dụng / thẻ ghi nợ hoặc tai khoản ngan hang đa được dung để thanh to&aacute;n cho giao dịch. Thay vi nhận tiền hoan trả bằng dịch vụ chuyển tiền của Western Union, Bạn co thể yeu cầu WU gửi sec với khoản tiền cần hoan lại cho Bạn qua thư. ĐIỀU KHOẢN ĐẶC BIỆT ĐỐI VỚI GIAO DỊCH QUỐC TẾ: Bất kể điều đa noi ở tren va tuy thuộc vao luật &aacute;p dụng, c&aacute;c giao dịch quốc tế co thể bị hủy để được hoan trả đầy đủ số tiền chuyển va phi được trả trong vong 30 phut kể từ khi thanh to&aacute;n, trừ khi tiền đa được nhận hoặc gửi. Bạn cũng co thể nhận được một khoản hoan lại đầy đủ trong một số trường hợp nếu Bạn x&aacute;c nhận thanh cong lỗi hoặc được quy định theo luật hiện hanh.

3. GIẢI QUYẾT TRANH CHẤP: Trừ khi Bạn chọn khong tham gia như quy định ben dưới, mọi tranh chấp xảy ra do hoặc lien quan đến giao dịch nay sẽ được giải quyết bởi trọng tại phan xử cuối cung va rang buộc. Trọng tai cũng sẽ quyết định điều gi tuan theo phan xử. Việc phan xử sẽ được tổ chức bởi Trọng tai va Hoa giải Quốc gia ("NAM") theo Quy tắc va Quy trinh Giải quyết tranh chấp toan diện, co tại 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263da8d52d110470b17d662c3979e3a1a5604822a850db029e472021ada0123a4ba6cc5f16a9654298264ed1882b51dc97938a7d6e008ab7473 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263fcc98884235f8b6154f620b9216b9a4678f88cf4bbc1b0c5a303213b93ef6522c1e659a2e4ae7c33493601462091d5a4540b9c715c4816fd  hoặc bằng c&aacute;ch gửi thư đến vao 990 Stewart Ave., 1st Fl., Garden City, NY, 11530, va giải thich c&aacute;ch bắt đầu phan xử. Bạn sẽ chịu tr&aacute;ch nhiệm cho tối đa $125 phi quản trị. WU co thể giảm số tiền nay nếu Bạn chứng minh được sự kho khăn. Thỏa thuận nay được điều chỉnh bởi Đạo luật Phan xử Lien bang va mọi quyết định phải được ph&aacute;p luật x&aacute;c nhận. Bất kỳ phan xử nao cũng sẽ được thực hiện tren cơ sở rieng lẻ; khong được phep thực hiện vụ kiện hoặc phan xử tập th ể. Nếu bất kỳ phần nao của đoạn nay được coi la khong hợp lệ, thi no cũng khong lam mất hiệu lực của c&aacute;c phần kh&aacute;c. Nếu khong co NAM, thi c&aacute;c ben hoặc toa &aacute;n sẽ chọn một trọng tai kh&aacute;c. Bạn co thể chọn khong tham
 gia phan xử trong vong 30 ngay sau khi bắt đầu một giao dịch bằng c&aacute;ch gọi số 
tel:+1-800-325-6000 
1-800-325-6000  (WU), 
tel:+1-866-519-0433 
1-866-519-0433  (Vigo) hoặc 
tel:+1-800-515-5505 
1-800-515-5505  (OV). NẾU BẠN KHONG CHỌN KHONG THAM GIA, BẠN SẼ TỪ BỎ MỌI QUYỀN ĐỐI VỚI PHIEN XET XỬ BỞI BỒI THẨM ĐOAN HOẶC THẨM PHAN VA MỌI QUYỀN THAM GIA VAO VỤ KIỆN TẬP THỂ.

4. GIỚI HẠN TRACH NHIỆM: ĐẾN PHẠM VI CAO NHẤT ĐƯỢC LUẬT AP DỤNG CHO PHEP: (1) TRONG MỌI TRƯỜNG HỢP, WU SẼ KHONG CHỊU TRACH NHIỆM CHO BẤT KỲ THIỆT HẠI NAO DO SƠ SUẤT TỪ PHIA NHAN VIEN CỦA MINH, NHA CUNG CẤP HOẶC ĐẠI LY HAY VƯỢT TREN TỔNG SỐ $500 (ngoai việc hoan trả số tiền chuyển va phi chuyển tiền va ngoại trừ như được quy định trong Bộ luật Tai chinh California S 2102); va (2) TRONG MỌI TRƯỜNG HỢP, WU HOẶC ĐẠI LY CỦA CONG TY KHONG CHỊU TRACH NHIỆM CHO MỌI THIỆT HẠI GIAN TIẾP, ĐẶC BIỆT, BẤT NGỜ, LA HẬU QUẢ, ĐỂ CẢNH CAO HOẶC TRỪNG PHẠT, HOẶC TƯƠNG TỰ.

5. GIAO DỊCH QUỐC TẾ, TRAO ĐỔI TIỀN TỆ: Khi Bạn gửi tiền ben ngoai Hoa Kỳ, Bạn sẽ ky hợp đồng với cả WUFSI va WUIS, tiến hanh hai giao dịch chuyển tiền rieng biệt để chuyển tiền đến Người nhận cuối. Trong giao dịch đầu tien, Bạn lam việc với WUFSI va Đại ly của họ để thu tiền của Bạn va cung cấp cho WUIS.Trong giao dịch thứ hai, Bạn lam việc với WUIS để chuyển đổi số tiền của Bạn thanh loại tiền tệ chinh x&aacute;c va chuyển tiền đến Người nhận cuối ben ngoai Hoa Kỳ. WUFSI cấp bien nhận nay khi bạn thanh to&aacute;n cho WUFSI hoặc Đại ly của họ va WUIS cấp bien nhận nay khi WUFSI thay mặt bạn thanh to&aacute;n cho WUIS.

Ngoai phi chuyển tiền, được WUIS tinh, tỷ gi&aacute; hối đo&aacute;i cũng sẽ được &aacute;p dụng. Ngoại tệ Hoa Kỳ được chuyển đổi thanh ngoại tệ theo tỷ gi&aacute; hối đo&aacute;i do WU thiết lập trừ khi luật của EPL khong cho phep WU thiết lập tỷ gi&aacute; hối đo&aacute;i. Mọi kh&aacute;c biệt giữa tỷ gi&aacute; được cung cấp cho Bạn va tỷ gi&aacute; ma WU nhận được sẽ được WU lưu giữ (va, trong một số trường hợp, la Đại ly của cong ty) cung với phi chuyển. Theo luật ph&aacute;p hiện hanh, tỷ gi&aacute; hối đo&aacute;i thực tế hoặc ước tinh &aacute;p dụng cho giao dịch của Bạn sẽ được cung cấp dựa tren thong tin bằng văn bản ma WU cung cấp cho Bạn. C&aacute;c khoản thanh to&aacute;n thường sẽ được thực hiện ở loại tiền quốc gia của EPL ("Tiền tệ địa phương"). Tại một số quốc gia, Bạn co
 thể chỉ định loại tiền tệ thanh to&aacute;n kh&aacute;c với Tiền tệ địa phương; tuy nhien, tiền tệ nơi Bạn chọn co thể khong co sẵn tại tất cả c&aacute;c Đại ly. WU khong chịu tr&aacute;ch nhiệm về tỷ gi&aacute; hối đo&aacute;i tiền tệ sẽ được &aacute;p dụng nếu Người nhận cuối chọn nhận tiền tệ kh&aacute;c với tiền tệ Bạn đa chọn.

6. QUYỀN RIENG TƯ: Chung toi co thể thu thập va tiết lộ thong tin c&aacute; nhan cho c&aacute;c ben thứ ba như được giải thich trong Tuyen bố quyền rieng tư của chung toi. Để nhận một bản sao, hay truy cập 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com  hoặc gửi email đến 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com . Chung toi thu thập thong tin c&aacute; nhan, vi dụ, khi Bạn giao dịch với chung toi (vi dụ, sử dụng Dịch vụ) va c&aacute;c cong ty kh&aacute;c; gửi thong tin về ứng dụng, biểu mẫu va bằng c&aacute;c phương tiện kh&aacute;c; sử dụng hoặc truy cập ứng dụng hay c&aacute;c trang web trực tuyến kh&aacute;c; tham gia vao chương trinh khuyến mai; hoặc tham gia vao một chương trinh tich điểm.Chung toi cũng thu thập thong tin từ nhiều nguồn va co thể thu thập, theo doi va kết hợp thong tin tren c&aacute;c thiết bị, nền tảng va kenh.Thong tin đa tiết lộ co thể bao gồm dữ liệu tai chinh (vi dụ, thong tin về c&aacute;c giao dịch với chung toi va c&aacute;c vấn đề tai chinh kh&aacute;c), thong tin lien hệ, nhận dạng, m&aacute;y tinh, thiết bị di động va thong tin mạng xa
 hội.Người nhận co thể la c&aacute;c tổ chức tai chinh va phi tai chinh, c&aacute;c nha cung cấp dịch vụ, c&aacute;c cơ quan chinh phủ va những người tiếp thị trực tiếp.Bạn co thể chỉ thị chung toi giới hạn một số tiết lộ nhất định va lựa chọn của bạn sẽ được &aacute;p dụng cho đến khi Bạn thay đổi lựa chọn của bạn hoặc chung toi xoa dữ liệu của bạn. Để giới hạn việc tiết lộ (chọn khong tham gia), hay gửi email đến 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com .

NGƯỜI TIEU DUNG Ở TEXAS

Khiếu nại về việc b&aacute;n sec hoặc c&aacute;c hoạt động chuyển tiền nen được gửi đến địa chỉ: Western Union, P.O. Box 6036, Englewood, Colorado 80155 hoặc goi số 
tel:+1-800-325-6000 
1-800-325-6000 . Sau khi lien hệ với Western Union lần đầu, nếu khiếu nại của bạn về việc b&aacute;n sec hoặc c&aacute;c hoạt động chuyển tiền của cong ty vẫn chưa được giải quyết, vui long gửi khiếu nại của bạn đến địa chỉ: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705; Số điện thoại: 
tel:+1-877-276-5554 
1-877-276-5554 , Số fax: 
tel:+1-512-475-1313 
1-512-475-1313 , địa chỉ email: 
mailto:consumer.complaints@dob.texas.gov 
consumer.complaints@dob.texas.gov  ; Địa chỉ trang web: 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2634e9f7b783786ad426a476da498dbc66295828ed557c1041295b1dc214b08f946be27d456c5391d901f340b9ce91b6d700274512e430ad240 
www.dob.texas.gov .

消费者欺诈警示: 保护您自己。当陌生人要求您汇款时要保持小心谨慎，尤其是互联网拍卖、报纸或电话促销。西联汇款不保证交付因服务购买的商品或服务或其适用性。西联汇款不是委托付款服务提供商。客户和收款人同意不将服务用于委托付款目的。

以下定义的服务将根据 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263921d4c6dcca871260e963f3ea8e951f982dc1c9e008c55739ba4dd717002fd38d276724d74dd66af1cd99841ab878574fe734eac3bdc65f1 
完整的条款与条件 和适用法律向您提供。

1. 当您在美国或其领土（&ldquo;美国&rdquo;）境内汇款时，西联汇款、VIGO(R) 和 ORLANDI VALUTASM (OV) 转账服务（统称&ldquo;服务&rdquo;）由 WESTERN UNION FINANCIAL SERVICES, INC. (WUFSI;NMLS:906983) 提供。当您向美国境外汇款时，服务由 WUFSI 和 WESTERN UNION INTERNATIONAL SERVICES (WUIS;NMLS:906985) 共同提供。服务的美国部分一般通过西联汇款、VIGO 或 OV 代理提供。WUIS 提供非美国部分的服务。服务的所有部分（美国和非美国）均受这些条款与条件（&ldquo;协议&rdquo;）及适用法律约束。欲了解有关服务的其他信息，请参阅本协议、
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348 
wu.com , 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263781c865a8ccc5636c173a92876891507ee57ad699f8ee27678ffdcc2d7b8b17892e0debdc65505f2ad0d8a45b030bad0b188af88f7cea363 
vigousa.com  and 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd263afd3dd79ff516e1e7d329b8bceaeb8a68ab5a7f21c74401e5e4e1cf1a3b3bf9816e6f9ef362f28f25bcb5e80c2a8b6f773072f5918494582 
orlandivaluta.com , 具体取决于您选择的服务。本协议中使用的&ldquo;WU&rdquo;或&ldquo;西联汇款&rdquo;，就美国境内发起的交易而言是指 WUFSI，就美国境外发起的交易而言是指 WUFSI 和 WUIS，&ldquo;代理&rdquo;是指 WUFSI 的美国代理及／或 WUIS 的国际代理或代表（如适用）。服务和资金可用性取决于某些因素，包括所选服务、延期交付方式的选择、适用于每项服务的特殊条款、汇款金额、目标国家/地区、货币可用性、监管或消费者保护问题、身份证明要求、交付限制、代理网点营业时间以及时区差异。&ldquo;收款人&rdquo;或&ldquo;最终收款人&rdquo;指消费者（&ldquo;您&rdquo;或&ldquo;您的&rdquo;）指定的在指定付款点 (EPL) 接收您汇出的资金的收款人。对于在发起的交易，EPL 通常指您确定的目标国家/地区的任何代理网点。Telecomunicaciones de Mexico (Telecomm) 提供的服务仅在 Telecomm 所在地可用。收款人通常会以现金、支票或其组合方式收取资金；对于某些服务，资金可存入银行账户、预付卡、借记卡或信用卡（&ldquo;卡&rdquo;）、手机钱包（&ldquo;手机钱包&rdquo;）或类似账户（统称为&ldquo;账户&rdquo;）。收款人可选择与您指定的支付方式不同的支付方式；您授权 WU
 采用收款人选择的支付方式。如果收款人选择通过现金以外的支付方式或以您选择的货币以外的货币接收资金，则可能需要支付额外费用才能获得资金。某些国家／地区及／或司法管辖区可能对收款人接收或获得转账资金征收税费、费用及／或关税。可能向有关当局报告交易。消息和通知服务可能须支付额外费用。在某些目的地，收款人可能需要提供身份证明、回答测试问题（或两者皆有），才能以现金方式接收资金。测试问题不是额外的安全功能，不能用于计算或推迟交易时间，在某些国家/地区被禁止。WU 依赖您提供给我们的信息进行汇款。请在继续交易之前，检查所有交易详情是否准确。

2. 退款: 根据适用法律：(i) 交易可取消，并退还转账金额，除非在 WU 收到您的书面申请时资金已被提取或存入账户；(ii) 对于除 WU 的账单支付和预付产品及服务之外的某些服务，如果在规定时限内资金未到，WU 可退还转账手续费；及 (iii) 在收款人拒绝您的资金时，WU 可能向您收取退还转账金额的费用。美国境内交易符合条件的退款将在收到您的有效书面申请后 45 天内完成。WU 可通过西联转账向您退款，WU 亦可将退款发放至用于支付交易费用的信用卡／借记卡或银行账户。您可要求 WU 向您邮寄一张退款金额的支票，以代替通过西联转账接收退款。国际交易的特殊条款：尽管有上述规定，但根据适用法律，国际交易可取消，并在付款后 30 分钟内全额退还转账金额和所付手续费，除非资金已被提取或存入账户。如果您成功发现错误或适用法律另有规定，您可能还会在某些情况下获得全额退款。

3. 争议解决: 除非您按以下规定选择退出，否则由此交易引起或与之相关的任何争议应通过最终和具有约束力的仲裁解决。仲裁员还应决定仲裁主体。仲裁将由美国国家仲裁与调解委员会 (NAM) 根据其综合争议解决规则和程序进行，相关规则和程序可参见 
%%=RedirectTo(concat( 
https://westernunion.com/arbitrationinfo  或致函 990 Stewart Ave., 1st Fl., Garden City, NY, 11530 进行了解，其中解释了如何发起仲裁。您将承担最高 125 美元的手续费。如果您证明经济困难，WU 可降低该金额。本协议受《联邦仲裁法》管辖，任何裁决均应经司法确认。仲裁应逐个进行；不允许集体诉讼或仲裁。如果本段的任何部分被视为无效，其他部分并不会因此失效。如果无法通过 NAM 进行仲裁，双方或法院将选择另一仲裁机构。您可在发起交易后 30 天内拨打 
tel:+1-800-325-6000 
1-800-325-6000  (WU)、 
tel:+1-866-519-0433 
1-866-519-0433  (Vigo) 或 
tel:+1-800-515-5505 
1-800-515-5505  (OV). 选择退出仲裁。如果您未选择退出，您将放弃陪审团审判或法官审判的任何权利以及参加集体诉讼的任何权利。

4. 责任限制: 在适用法律允许的最大范围内：(1) 在任何情况下，无论损害是否因员工、供应商或代理的疏忽造成，WU 均不承担超过 500 美元（除退还转账金额和转账手续费以外，除非《加州金融法规》第 2102 条另有规定）的责任；(2) 在任何情况下，WU 或其代理均不承担任何间接的、特殊的、附带的、相因而生的、惩戒性或惩罚性的损害赔偿。

5. 国际交易、外汇兑换: 向美国境外汇款时，您即与 WUFSI 和 WUIS 签约，这两家公司将进行两次单独的转账交易，以便向最终收款人提供资金。在第一笔交易中，由 WUFSI 及其代理收取您的资金并将其提供给 WUIS。 在第二笔交易中，由 WUIS 将您的资金兑换为适当的货币，并将资金提供给美国境外的最终收款人。除 WUIS 收取的转账手续费外，还将适用货币汇率。当您支付 WUFSI 时，WUFSI 会签发此收据，或当 WUFSI 代表您支付 WUIS 时，其代理和 WUIS 会签发此收据。

美国货币按照 WU 设定的汇率兑换为外币，除非 EPL 的法律不允许 WU 设定汇率。除转账手续费之外，WU（以及在某些情况下，其代理）将保留向您提供的汇率与 WU 收到的汇率之间的任何差异。根据适用法律，适用于您的交易的实际或估计货币汇率将在 WU 向您提供的书面披露中注明。付款通常以 EPL 的本国货币（&ldquo;当地货币&rdquo;）进行。在某些国家，您可指定当地货币以外的付款货币；但是，您选择的替代货币可能无法在所有代理网点使用。如果最终收款人选择接收您所选货币以外的货币，则 WU 不对将适用的货币汇率负责。

6. 隐私: 如我们的《隐私声明》中所述，我们可能向第三方收集和披露个人信息。如需获取副本，请访问 
%%=RedirectTo(concat( 
wu.com  或发送电子邮件至 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com . 我们会收集个人信息，例如，当您与我们（例如，使用服务）及其他公司进行交易时；在申请书、表格上以及通过其他方式提交信息；使用或访问我们的或其他应用程序或在线网站；参与推广；注册接收通讯；或者加入忠诚度计划。 我们还从多个来源收集信息，并可能跨设备、平台和渠道收集、跟踪及组合信息。 所披露的信息可能包括财务数据（例如，有关与我们的交易及其他财务事项的信息）、联系信息、身份证明、计算机、移动设备和社交网络信息。 收款人可能包括金融和非金融公司、服务提供商、政府机构和直销人员。 您可指示我们限制某些披露，且您的选择将一直适用，直至您改变选择或我们删除您的数据。如需限制披露（选择退出），请发送电子邮件至 
mailto:wuprivacy@westernunion.com 
wuprivacy@westernunion.com .

德克萨斯消费者有关签发支票或汇款活动的投诉，请寄函至：Western Union., P.O. Box 6036, Englewood, Colorado 80155 或拨打 
tel:+1-800-325-6000 
1-800-325-6000 。首次联系西联汇款后，如果您仍有关于本公司签发支票或汇款活动的未解决投诉，请将这些投诉提交至：Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705；电话号码：
tel:+1-877-276-5554 
1-877-276-5554 ，传真号码：
tel:+1-512-475-1313 
1-512-475-1313 ，电子邮箱：请勿回复此电子邮件。如有疑问，请联系我们。这是；网址：
mailto:consumer.complaints@dob.texas.gov 
consumer.complaints@dob.texas.gov  ; Website Address: 
https://click.transactions.westernunion.com/?qs=3d1789f4420cd2634e9f7b783786ad426a476da498dbc66295828ed557c1041295b1dc214b08f946be27d456c5391d901f340b9ce91b6d700274512e430ad240 
www.dob.texas.gov .

https://click.transactions.westernunion.com/?qs=3d1789f4420cd2637b33464ed087bea5e81c9c9ea2b578456e8ff0560cab31174fd7d2bfb429e2e64672c2f3b1a523e065f2aef6b103b1d4b6246ac50ec5fabe 
Terms&nbsp;&&nbsp;Conditions   |

https://click.transactions.westernunion.com/?qs=3d1789f4420cd2633b1803fb477d7a02221ba2b7380edc3e69201fa015d875e69b713c7522ca07f8ef580157a48d1b8c473d416c9b327e6df60fa0b308dd1a29 
 Privacy   |

https://click.transactions.westernunion.com/?qs=3d1789f4420cd263ff620a81d1f9b317e67887c0231123f7b7ad4bc4d567b4f920a4a47169f2e53111027997418228203982936685caec8af88dfbb71b4e9ee1 
Contact   |

https://click.transactions.westernunion.com/?qs=3d1789f4420cd2632e32f2ba205dde5d0e7f4d183fe71ca99c143595e213d7d2384439d6753428318182b76acf6cccb295b3bf4d3f07bd331c06d02c9fdf8060 
Fraud&nbsp;awareness

This is a customer service email from Western Union.

Western Union Financial Services, Inc PO Box 6036 Englewood, CO 80155

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.

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<div class="dvPreheader litmus-builder-preview-text" style="display: none !important; mso-hide:all; visibility:hidden;">Please find your transaction details inside
&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;&zwnj;&nbsp;
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<table role="presentation" width="100%" style="min-width:100%;" border="0" cellspacing="0" cellpadding="0">
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        <td style="font-size:0px" class="nomob">&nbsp;</td>
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            <div style="line-height:15px;" class="lhfix">&nbsp;</div>
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                                <td align="left"><a  href="https://view.transactions.westernunion.com/?qs=9eadb27b563b180bd62733e81a99597bf81a13494fb466cc7315dd19b84730191202d5fc3ba246582ede45765e1f73304acd876c03213d695257b26c4837dd92beedc684e93a595bb6422672a40d4109" style="color: #777777; display: inline-block; font-family: Helvetica, Arial, sans-serif; font-size:12px; line-height: 14px; text-align: left; text-decoration: underline; -webkit-text-size-adjust: none;">Open email in browser
</a></td>
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            <div style="line-height:15px;" class="lhfix">&nbsp;</div>
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<table align="center" role="presentation" width="760" style="min-width:760px;" border="0" cellspacing="0" cellpadding="0" class="w100pc">
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    <td style="font-size:0px" class="nomob">&nbsp;</td>
    <td align="center" valign="top" width="760" style="width:760px;min-width:760px; background-image: url('https://image.transactions.westernunion.com/lib/fe3b11717164057c761772/m/1/6c3fc944-684c-45ed-b857-f439c22067d6.png');" class="w100pc" bgcolor="#000000" background="https://image.transactions.westernunion.com/lib/fe3b11717164057c761772/m/1/be76575e-c3b0-4be7-8c06-41c88fd6ddb8.png">
      
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            <table role="presentation" border="0" cellspacing="0" cellpadding="0" align="left" style="min-width: 100%;">
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                <td align="left" style="padding:16px 0px 16px 0px;">
                  <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263a1864ec2bb3708b470ab0e1a7f6a4400ec3cb76add351f8fb927963475cbadda95c403614848fab256e1cc5f8da33a34da0518299efc10e4" target="_blank">                    
                    <img style="display:block; height: 40px; width:155px;" border="0" src="https://image.transactions.westernunion.com/lib/fe3b11717164057c761772/m/1/ca12b9d0-c8b7-47e9-a5bd-884a3c94fa53.png" width="155" height="40" alt="Western&nbsp;Union.">
                  </a>
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    <td style="font-size:0px" class="nomob">&nbsp;</td>
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</table>

<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%;" width="100%">
 
  <tr>
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    <table border="0" cellpadding="0" cellspacing="0" class="w100pc" role="presentation" style="width: 760px;" width="760">
     
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        <table align="center" border="0" cellpadding="0" cellspacing="0" class="w100pc mobsidepad" role="presentation" style="width: 640px;" width="640">
         
          <tr>
           <td align="center" class="nopadmob darclaimer" style="font-size: 42px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 48px; color: #0A0005; text-align: left; padding: 30px 0px 20px;">
            <strong>Alfonso can now pick up the money</strong></td></tr><tr>
           <td align="center" class="nopadmob darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding-bottom: 30px;">
            Hello <strong>Rick,</strong></td></tr><tr>
           <td align="center" class="nopadmob darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding-bottom: 30px; padding-top: 0px !important;">
            Your money transfer <strong>MTCN&nbsp;7291634033</strong> has been sent and is available for Alfonso to pick up at an <a alias="click_agent_location" href="https://www.westernunion.com/us/en/find-locations.html?utm_source=email&utm_medium=e-email&utm_campaign=email_service_mtconfirm&cuid=645229866&caid=5711&can=email_service_mtconfirm&jid=178624" style="color: #0079D1; text-decoration: underline; font-weight: 400;" target="_blank">agent location</a>. Please ask Alfonso to bring the following: <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto; padding-top: 10px !important; padding: 0px; width:100%; max-width:640px; overflow:visible;" width="100%">
             
              <tr>
               <td style="text-align:left; font-size:0; width:15px;" valign="middle">
                <div style="width:100%; max-width:15px; overflow:visible; display:inline-block; vertical-align:middle;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="default" style="height:50px;">
                     <img alt="bulletpoint" height="15" src="https://image.e.westernunion.com/lib/fe3711717164057d711174/m/1/682942f7-51fe-425a-9c15-524ae50d2f69.png" style="vertical-align: middle;" width="15"></td><td align="left" class="gmail" style="display: none; height:58px; width:15px;">
                     <img alt="--TEXT--" height="58" src="https://image.e.westernunion.com/lib/fe3711717164057d711174/m/1/6785f915-6836-4257-b90d-b1c9e9e173f4.png" style="vertical-align: middle;" width="15"></td></tr></table></div></td><td width="15">
               </td><td style="text-align:left; font-size:0;" valign="top">
                <div style="width:100%; max-width:100%; overflow:visible; display:inline-block; vertical-align:top;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="darclaimer pt4px" style="height:50px; padding-left: 0px;                     font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 20px; color: #0A0005;">
                     Government-issued&nbsp;photo ID</td></tr></table></div></td></tr></table>  <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto; padding-bottom: 10px !important; padding: 0px; width:100%; max-width:640px; overflow:visible;" width="100%">
             
              <tr>
               <td style="text-align:left; font-size:0; width:15px;" valign="middle">
                <div style="width:100%; max-width:15px; overflow:visible; display:inline-block; vertical-align:middle;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="default" style="height:50px;">
                     <img alt="bulletpoint" height="15" src="https://image.e.westernunion.com/lib/fe3711717164057d711174/m/1/682942f7-51fe-425a-9c15-524ae50d2f69.png" style="vertical-align: middle;" width="15"></td><td align="left" class="gmail" style="display: none; height:58px; width:15px;">
                     <img alt="--TEXT--" height="58" src="https://image.e.westernunion.com/lib/fe3711717164057d711174/m/1/6785f915-6836-4257-b90d-b1c9e9e173f4.png" style="vertical-align: middle;" width="15"></td></tr></table></div></td><td width="15">
               </td><td style="text-align:left; font-size:0;" valign="top">
                <div style="width:100%; max-width:100%; overflow:visible; display:inline-block; vertical-align:top;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="darclaimer pt4px" style="height:50px; padding-left: 0px;                     font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 20px; color: #0A0005;">
                     The tracking number <strong>MTCN&nbsp;7291634033</strong></td></tr></table></div></td></tr></table>  Your Final receiver’s full name on the ID must match the information provided by you.<br><br><strong>Did you know?</strong> Alfonso can also receive money directly in a bank account using this link:&nbsp;<a class="break" href="https://go.wu.com/sd-ra-mx?mtcn=7291634033&src=SD_RA&WUCountry=mx?utm_source=email&utm_medium=e-email&utm_campaign=email_service_mtconfirm&cuid=645229866&caid=5711&can=email_service_mtconfirm&jid=178624" style="color: #0079D1; text-decoration: underline; font-weight: 400;" target="_blank">https://go.wu.com/sd-ra-mx?mtcn=7291634033&src=SD_RA&WUCountry=mx</a></td></tr><tr>
           <td align="center" class="nopadlrmob darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding-bottom: 10px; padding-top: 0px !important;">
            Thank you for sending money with us.</td></tr></table></td></tr></table></td></tr></table></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table> 
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner">
<table border="0" cellpadding="0" cellspacing="0" role="presentation" style="min-width:100%;" width="100%">
 
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    <table border="0" cellpadding="0" cellspacing="0" class="w100pc" role="presentation" style="width: 760px;" width="760">
     
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        <table align="center" border="0" cellpadding="0" cellspacing="0" class="w100pc mobsidepad" role="presentation" style="width: 640px;" width="640">
         
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           <td align="center" class="nopadlrmob darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding-bottom: 0px; padding-top: 0px !important;">
            <table align="center" border="0" cellpadding="0" cellspacing="0" style="margin:0 auto; padding-top: 0px !important; padding: 0px; width:100%; max-width:640px; overflow:visible;" width="100%">
             
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               <td style="text-align:left; font-size:0; width:25px;" valign="middle">
                <div style="width:100%; max-width:35px; overflow:visible; display:inline-block; vertical-align:middle;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="default" style="height:60px;">
                     <img alt="image_tat_v2" height="30" src="https://image.transactions.westernunion.com/lib/fe3b11717164057c761772/m/1/94515f30-0ee6-42d6-83da-ab1a6e403a0c.png" style="vertical-align: middle;"></td><td align="left" class="gmail" style="display: none; height:60px; width:30px;">
                     <img alt="image_tat_v2" height="58" src="https://image.transactions.westernunion.com/lib/fe3b11717164057c761772/m/1/779bea29-1f41-40a7-87ca-69613aef41a3.png" style="vertical-align: middle;"></td></tr></table></div></td><td width="12">
               </td><td style="text-align:left; font-size:0;" valign="top">
                <div style="width:100%; max-width:500px; overflow:visible; display:inline-block; vertical-align:top;">
                 <table border="0" cellpadding="0" cellspacing="0" width="100%">
                  
                   <tr>
                    <td align="left" class="darclaimer" style="height:60px; padding-left: 0px;                     font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 20px; color: #0A0005;">
                     <a alias="click_tat_v2" class="break" href="https://smart.link/t5753x3df088j?mtcn=7291634033&utm_source=email&utm_medium=e-email&utm_campaign=email_service_mtconfirm&cuid=645229866&caid=5711&can=email_service_mtconfirm&jid=178624&cp_0=5711&cp_9=178624&creative_id=email_service_mtconfirm&site_id=645229866" style="color: #0079D1; text-decoration: underline; font-weight: 400;" target="_blank">Track your transfer</a>&nbsp;with your 10-digit MTCN number.</td></tr></table></div></td></tr></table></td></tr></table></td></tr></table></td></tr></table>

</td></tr></table>  
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table></td></tr></table></div></td></tr></table></td></tr></table></td></tr></table></td></tr></table>    </td></tr></table>
</td></tr></table> 
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><div style="max-width: 640px; margin: 0 auto; padding-top:0px; padding-bottom: 0px;">
 <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="width: 100%; max-width: 100%;  border: 2px solid #f6f6f6;" width="640">
  
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         <span style="font-size: 24px;"><strong>Your Receipt:</strong></span></td></tr></table></td></tr><tr>
    <td class="darclaimer" style="padding: 0;">
     <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="padding: 0px;" width="100%">
      
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        <td align="center" style="font-size: 0;padding: 0;" valign="top">
         <div>
          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block;" width="295">
           
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             <td style="width:292px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
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                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
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                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      Tracking Number (MTCN)</td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>7291634033</strong></td></tr></table></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block; vertical-align: top;" width="292">
           
            <tr>
             <td align="right" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Date of Transactions</span></td></tr><tr>
                     <td align="right" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>09-30-2023 10:26:32 ET</strong></td></tr></table></td></tr></table></td></tr></table></div><div>
          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block;" width="295">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td style="width:292px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C; padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Sender Details</strong></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      Name</td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>Rick Cruz</strong></td></tr></table></td></tr><tr>
                 <td style="padding-top: 10px; padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      Address</td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>5602 VERONA RIDGE DR, FULSHEAR, TX, 77441, UNITED STATES</strong></td></tr></table></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      Phone Number</td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong> 7135023780</strong></td></tr></table></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block; vertical-align: top;" width="292">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="right" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td align="right" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C; padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Final Receiver Details</strong></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Name</span></td></tr><tr>
                     <td align="right" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>Alfonso Morales Cabrera</strong></td></tr></table></td></tr><tr>
                 <td style="padding-top: 10px; padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Address</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>MEXICO CITY, MEX, 52977, MEXICO</strong></td></tr></table></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      Phone Number</td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>52</strong> <strong>5560679639</strong></td></tr></table></td></tr><tr>
                 <td style="padding-top: 10px; padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><span>Expected Foreign Country Payout Location</span></td></tr></span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>MEXICO CITY, MEX, MEXICO</strong></td></tr></table></td></tr></table></td></tr></table></div><div>
          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block;" width="295">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td align="left" style="width:292px;">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C; padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Payment Information</strong></td></tr><tr>
                 <td align="right" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><span>Paid with</span></td></tr><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><strong>Credit/Debit card<br>Visa&nbsp;ending in 2099</strong></td></tr></table></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block; vertical-align: top;" width="292">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="right" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td align="right" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C; padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Payout Information</strong></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Date Available in Final Receiver&rsquo;s Country</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>09-30-2023</strong></td></tr></table></td></tr><tr>
                 <td style="padding-top: 10px; padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><span>Delivery Method</span></td></tr><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><strong>At any agent location in Final receiver's expected foreign country payout location</strong></td></tr></table></td></tr><tr>
                 <td style="padding-top: 10px; padding-bottom: 10px;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"></table></td></tr></table></td></tr></table></div><div>
          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block;" width="295">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="center" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td align="left" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C;  padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Billing Summary</strong></td></tr><tr>
                 <td align="right" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Transfer Amount</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>200.00 USD</strong></td></tr></table></td></tr><tr>
                 <td align="right" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Transfer Fees</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>+ 4.99 USD</strong></td></tr></table></td></tr><tr>
                 <td align="right" class="d-show-mob" style="display: none; padding-top: 10px; padding-bottom: 15px; text-align: right; border-top: 2px solid #ffdd00;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><span>Total</span></td></tr><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><strong>204.99 USD</strong></td></tr></table></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block; vertical-align: top;" width="292">
           
            <tr>
             <td colspan="2" style="padding: 0px 20px 0px;">
              <table align="right" border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td height="10" style="; height: 10px;">
                 </td></tr></table></td></tr><tr>
             <td align="right" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td class="darclaimer" style="border-bottom: 2px solid #4C4C4C; padding: 20px 0px; padding-bottom: 10px; padding-top: 10px; width: 100%;font-size: 24px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left;">
                  <strong>Transfer Summary</strong></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="right" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Exchange Rate*</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>1 USD = 17.1780 MXN</strong></td></tr></table></td></tr><tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"> <tr> 		<td align="right" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"> 			<span>Transfer Amount<sup>&nbsp;</sup> 			</span> 		</td> 	</tr> 	<tr> 		<td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"> 			<strong>3,436.00 MXN</strong> 		</td> 	</tr>  </table> </td></tr></table></td></tr></table></div>
<div>
          <table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block;" width="295">
           
            <tr>
             <td align="left" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td align="right" class="d-none-mob" style="padding-top: 10px; padding-bottom: 15px; text-align: right; border-top: 2px solid #ffdd00;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%"><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><span>Total</span></td></tr><tr><td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;"><strong>204.99 USD</strong></td></tr></table></td></tr></table></td></tr></table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" class="d-none-mob" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 7px; display: inline-block;" width="2">
          </table><table border="0" cellpadding="0" cellspacing="0" role="presentation" style="border-spacing: 0;vertical-align: middle;width: 100%;max-width: 292px;display: inline-block; vertical-align: top;" width="292">
           
            <tr>
             <td align="right" style="width:292px; ">
              <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
               
                <tr>
                 <td align="left" style="padding-top: 10px; padding-bottom: 10px; text-align: right; border-top: 2px solid #ffdd00;">
                  <table border="0" cellpadding="0" cellspacing="0" role="presentation" width="100%">
                   
                    <tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <span>Total to Final Receiver</span></td></tr><tr>
                     <td align="left" class="darclaimer" style="font-size: 16px; font-family: 'EuclidWU', Helvetica, Arial, sans-serif; line-height: 22px; color: #0A0005; text-align: left; padding: 0px 0px;">
                      <strong>3,436.00 MXN</strong></td></tr></table></td></tr></table></td></tr></table></div></td></tr></table></td></tr></table></div></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table>
<table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr><td class="stylingblock-content-wrapper camarker-inner"><table role="presentation" width="100%" style="min-width:100%;" border="0" cellspacing="0" cellpadding="0">
  <tr>
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           For all transfers, Final Receiver may receive less due to foreign taxes. 
         You have a right to dispute errors in your transactions. If you think there is an error, contact us within 180 days of the date we promised you that the funds would be made available to the Final Receiver at <a href="tel:+1-800-325-6000" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-800-325-6000</a> or <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd26337858131a8983338e0d2493a54ac88addb3b8dad6d709639afbe9842f55844938cbe461515691eb753a061a77bb35099d99ac845cc9cdc9f" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">https://care.westernunion.com/us/en/ask</a>. You can also contact us for a written explanation of your rights.  <br><br>Subject to applicable law, you may cancel for a full refund within 30 minutes of payment, unless the funds have been picked up or deposited.<br><br>
            For inquiries or comments, please visit <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd26337858131a8983338e0d2493a54ac88addb3b8dad6d709639afbe9842f55844938cbe461515691eb753a061a77bb35099d99ac845cc9cdc9f" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">https://care.westernunion.com/us/en/ask</a> or write to: <br>
            <br>
            Western Union<br>
            P.O. Box 6036, Englewood, CO 80155<br>
        or call: <a href="tel:+1-800-325-6000" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-800-325-6000</a><br>
            <br>
            For questions or complaints about Western Union, contact: <br>
            Consumer Financial Protection Bureau<br>    <a href="tel:+1-855-729-2372" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-855-411-2372</a> <br>
        <a href="tel:+1-855-729-2372" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-855-729-2372</a> (TTY/TDD)<br>
            <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263db10e5897ade9303209b1629dc4b354359bc1d7a5499538f48a8e44ba2e20c6eb3dbd40233fc42d8235ef113618125047b790e58b41bb6a3" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">https://www.consumerfinance.gov/</a><br>
            Texas Department of Banking<br>
         <a href="tel:+1-877-276-5554" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-877-276-5554</a><br>
         <a href="tel:+1-512-475-1300" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-512-475-1300</a><br>
             <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263d43f89461916805f2b5a1b9e2df894570b212bd6ed75f3f16f4873a14f88686cf66db901f67fe2f6d0391e740c95708bbc2843b175480a0e" style="color: #0079D1; text-decoration: underline; font-weight: 400;" target="_blank">http://www.dob.texas.gov</a><br>
            <br>
            WUFSI issues this receipt when you pay WUFSI or its Agent and WUIS issues this receipt when WUFSI pays WUIS on your behalf.<br>
            <br>
          *Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates subject to change without notice.<br>
            <br>
            Your card issuer may charge a cash advance fee and interest for using a credit card.<br>
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            <strong>CONSUMER FRAUD ALERT:</strong> PROTECT YOURSELF. BE CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET AUCTIONS, NEWSPAPER OR TELEPHONE OFFERS. Western Union does not guarantee delivery or suitability of goods or services paid for with Services. Western Union is not an escrow service provider. Customer and Receiver agree not to use Services for escrow purposes.<br>
            <br>
            THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO THE FULL <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263921d4c6dcca871260e963f3ea8e951f982dc1c9e008c55739ba4dd717002fd38d276724d74dd66af1cd99841ab878574fe734eac3bdc65f1" style="color: #0079D1; text-decoration: underline;" target="_blank">TERMS AND CONDITIONS</a> AND APPLICABLE LAW.<br>
            <br>
            <strong>1. WHEN YOU SEND MONEY WITHIN THE U.S. OR ITS TERRITORIES (&quot;U.S.&quot;), WESTERN UNION<sup style="font-size: 70%; line-height: 70%;">&reg;</sup>, VIGO<sup style="font-size: 70%; line-height: 70%;">&reg;</sup> AND ORLANDI VALUTA<sup style="font-size: 70%; line-height: 70%;">SM
</sup> (&quot;OV&quot;) MONEY TRANSFER SERVICES (COLLECTIVELY, THE &quot;SERVICE(S)&quot;) ARE PROVIDED BY WESTERN UNION FINANCIAL SERVICES, INC. (&quot;WUFSI&quot;;NMLS:906983). WHEN YOU SEND MONEY OUTSIDE THE U.S., SERVICES ARE PROVIDED JOINTLY BY WUFSI AND WESTERN UNION INTERNATIONAL SERVICES, LLC (&quot;WUIS&quot;;NMLS:906985). THE U.S. PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A WESTERN UNION, VIGO, OR OV AGENT. WUIS PROVIDES THE NON-U.S. PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. AND NON-U.S.) ARE SUBJECT TO THESE TERMS AND CONDITIONS (&quot;AGREEMENT&quot;) AND APPLICABLE LAW</strong>.&nbsp;Additional information regarding the Services may be obtained in this Agreement, at 
<a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">wu.com</a>, <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263781c865a8ccc5636c173a92876891507ee57ad699f8ee27678ffdcc2d7b8b17892e0debdc65505f2ad0d8a45b030bad0b188af88f7cea363" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">vigousa.com</a> and <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263afd3dd79ff516e1e7d329b8bceaeb8a68ab5a7f21c74401e5e4e1cf1a3b3bf9816e6f9ef362f28f25bcb5e80c2a8b6f773072f5918494582" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">orlandivaluta.com
</a>, depending on the Services you choose. As used in this Agreement, &quot;WU&quot; or &quot;Western Union&quot; refers to WUFSI for transactions sent within the U.S., and WUFSI and WUIS for transactions sent outside of the U.S., and &quot;Agent(s)&quot; refers to U.S. agents of WUFSI and/or international agents or representatives of WUIS, as applicable. Service and funds availability depend on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory or consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones. &quot;Receiver(s)&quot; or &quot;Final Receiver(s)&quot; means
 the recipient designated by the consumer (&quot;You&quot; or &quot;Your&quot;) to receive funds sent by You in the Expected Payout Location (&quot;EPL&quot;). For transactions sent, EPL generally means any Agent location in the destination country You identify. The Services offered by Telecomunicaciones de Mexico (&quot;Telecomm&quot;) are only available at Telecomm locations. Final Receiver will normally receive funds in cash, check, or a combination thereof; with some Services, funds may be credited to a bank account, prepaid, debit or credit card (&quot;Card(s)&quot;), mobile wallet (&quot;MWallet(s)&quot;), or similar account (collectively, &quot;Account(s)&quot;). Receiver may be able to elect a payout method that differs from the payout method You specify; You authorize WU to honor Receiver&rsquo;s election of payout method. Receivers who choose to receive funds through a payout method other than cash or in a currency other than the one You selected may
 incur additional fees to access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff on Receiver's receipt of, or access to, transferred funds. Transactions may be reported to
 applicable authorities. Messaging and notification services may be included for additional fees. In some destinations 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. WU RELIES ON THE INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR TRANSACTION.<br>
            <br>
            
<strong>2. REFUNDS: Subject to applicable law: (i) transactions may be canceled for a refund of the transfer amount, unless the funds have been picked up or deposited at the time WU receives Your written request; (ii) for certain services, excluding WU's bill payment and prepaid products and services, WU may provide a transfer fee refund if funds are not available within the specified timeframe; and (iii) WU may charge You a fee to refund the transfer amount back to You in those instances where Receiver rejects Your funds. Qualifying refunds for transactions within the U.S. will be made within 45 days of receipt of Your valid written request. WU may issue Your refund through a Western Union money transfer or WU may issue the refund to the credit / debit card or bank account that was used
 to pay for the transaction. In lieu of receiving the refund by a Western Union money transfer, You may request WU to mail You a check in the amount of the refund. SPECIAL TERMS FOR INTERNATIONAL TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law, international transactions may be canceled for a full refund of the transfer amount and fees paid within 30 minutes of payment, unless the funds have been picked up or deposited. You may also receive a full refund in certain circumstances if You successfully assert an error or as otherwise provided under applicable law. </strong><br>
            <br>
             <strong>3. RESOLUTION OF DISPUTES</strong>: Unless You opt out as set forth below, any dispute arising from or relating to this transaction shall be resolved by final and binding arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration will be administered by National Arbitration and Mediation (&quot;NAM&quot;) under its Comprehensive Dispute Resolution Rules and Procedures, which are available at&nbsp;<a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd263da8d52d110470b17d662c3979e3a1a5604822a850db029e472021ada0123a4ba6cc5f16a9654298264ed1882b51dc97938a7d6e008ab7473" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">https://westernunion.com/arbitrationinfo
</a>&nbsp;or by writing to 990 Stewart Ave., 1st Fl., Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible for up to $125 of the administration fees. WU may reduce this amount if You demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and any award shall be subject to judicial confirmation.&nbsp;<strong>Any arbitration shall take place on an individual basis; class actions or arbitrations are not permitted</strong>. If any part of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is unavailable, the parties or a court will select another arbitrator. You may opt out of arbitration within 30 days after initiating a transaction by calling 
<a href="tel:+1-800-325-6000" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-800-325-6000</a> (WU), <a href="tel:+1-866-519-0433" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-866-519-0433</a> (Vigo) or <a href="tel:+1-800-515-5505" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-800-515-5505</a> (OV). IF YOU DO NOT OPT OUT, YOU WILL WAIVE ANY RIGHT TO A TRIAL BY JURY OR JUDGE IN COURT AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION.<br>
            <br>
            <strong>4. LIMITATIONS OF LIABILITY</strong>:&nbsp;TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW: (1) IN NO EVENT SHALL WU BE LIABLE FOR DAMAGES WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES, SUPPLIERS OR AGENTS OR OTHERWISE, BEYOND THE SUM OF $500 (in addition to refunding the transfer amount and transfer fee and except as provided in California Financial Code &sect; 2102); and (2) IN NO EVENT SHALL WU OR ITS AGENTS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR THE LIKE.<br>
            <br>
            <strong>5. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send money outside the U.S., You are contracting with both WUFSI and WUIS, which are conducting two separate money transfer transactions in order to make the money available to Final Receiver. In the first transaction, You are engaging WUFSI and its Agents to collect Your money and make it available to WUIS. &nbsp;In the second transaction, You are engaging WUIS to convert Your money into the correct currency and make the funds available to Final Receiver outside the U.S. WUFSI issues this receipt when you pay WUFSI or its Agent and WUIS issues this receipt when WUFSI pays WUIS on Your behalf.</strong><br>
            <br>
            
<strong>In addition to the transfer fees, which are charged by WUIS, a currency exchange rate will be applied. U.S. currency is converted to foreign currency at an exchange rate set by WU unless the laws of the EPL do not permit WU to set an exchange rate. Any difference between the rate given to You and the rate received by WU will be kept by WU (and, in some cases, its Agents) in addition to the transfer fees. Subject to applicable law, the actual or estimated currency exchange rate applicable to Your transaction will be provided on the written disclosures provided to You by WU. Payouts will generally be made in the national currency of the EPL (&quot;Local Currency&quot;). In some countries, You may designate a payout currency other than the Local Currency; however, the alternate
 currency You choose may not be available at all Agent locations. WU is not responsible for the currency exchange rate that will be applied if Final Receiver chooses to receive a currency other than the currency You selected. </strong><br>
            <br>
            <strong>6. PRIVACY</strong>:&nbsp;We may collect and disclose personal information to third parties as explained in our Privacy Statement. To get a copy, visit <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd2635db8f6f754d5977f68df839126c569731457417914f0315ec16648f2b624614384b2481da611e6de72e97fdf3abfcbe8f79bfc2537641348" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">wu.com</a> or email <a href="mailto:wuprivacy@westernunion.com" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">wuprivacy@westernunion.com
</a>. We collect personal information, for example, when You transact with us (e.g., using the Services) and other companies; submit information on applications, forms, and by other means; use or visit our or other apps or online sites; enter a promotion; register for communications; or join a loyalty program. &nbsp;We also collect information from many sources and may collect, track and combine information across devices, platforms and channels. &nbsp;Information disclosed may include financial data (e.g., information on transactions with us and other financial matters), contact information, identification, computer, mobile device and social network information. &nbsp;Recipients may include financial and non-financial companies, service providers, government agencies and direct
 marketers. &nbsp;You may direct us to limit certain disclosures, and Your choice will apply until You change Your choice or we delete Your data. To limit disclosures (opt out), email <a href="mailto:wuprivacy@westernunion.com" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">wuprivacy@westernunion.com</a>.<br>
            <br>
            <strong>TEXAS CONSUMERS</strong><br>
            Complaints concerning sale of checks or money transmission activities should be directed to: Western Union Financial Services, Inc., P.O. Box 6036, Englewood, Colorado 80155 or call <a href="tel:+1-800-325-6000" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-800-325-6000</a>. After first contacting Western Union, if you still have an unresolved complaint regarding the company&rsquo;s sale of checks or money transmission activities, please direct your complaint to: Texas Department of Banking, 2601 North Lamar Boulevard, Austin, Texas 78705; Telephone Number: <a href="tel:+1-877-276-5554" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-877-276-5554</a>, Fax Number: 
<a href="tel:+1-512-475-1313" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">1-512-475-1313</a>, e-mail address: <a href="mailto:consumer.complaints@dob.texas.gov" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">consumer.complaints@dob.texas.gov</a> ; Website Address: <a href="https://click.transactions.westernunion.com/?qs=3d1789f4420cd2634e9f7b783786ad426a476da498dbc66295828ed557c1041295b1dc214b08f946be27d456c5391d901f340b9ce91b6d700274512e430ad240" style="display: inline-block; color: #0079D1; text-decoration: underline;" target="_blank">www.dob.texas.gov</a>.</td></tr></table></td></tr></table></td></tr></table></td></tr></table><table cellpadding="0" cellspacing="0" width="100%" role="presentation" style="min-width: 100%; " class="stylingblock-content-wrapper"><tr>
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            This is a customer service email from Western&nbsp;Union.<br> <br> Western&nbsp;Union Financial Services, Inc PO Box 6036 Englewood, CO 80155&nbsp;&nbsp;<br> <br> Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.<br> <br> &copy;2023 Western&nbsp;Union Holdings, Inc. All rights reserved.</td></tr></table></td></tr></table><table class="w100pc" role="presentation" style="width: 760px;" width="760" cellspacing="0" cellpadding="0" border="0">
     
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