It is important for you to read and understand our terms and conditions before you accept them. They contain limitations on the scope of our obligations to you, as well as limitations and exemptions from our liability to you for damage that you may suffer as the result of a Sharaf Exchange online service. The respective provisions are highlighted in bold. In using the western union online service, you agree to comply with These terms and conditions as well as any applicable laws.
- “Agent” refers to the entity in clause 1.1.
- “Bank Card” refers to a Visa® or MasterCard® credit card, or a debit card.
- “Card Issuer” refers to the issuer and the owner of a Bank Card.
- “Payment Method” refers to the options available to the Sender to fund a money transfer through the Western Union Online Service, which may vary from country to country and may include bank card, bank transfer and other payment methods to Us.
- “Prohibited Purpose” refers to any unlawful purpose; including but not limited to, making or receiving payments for gambling services, gambling chips or gambling credits; or sending a payment to yourself as the Receiver in order to evidence financial soundness (RISK OF FRAUD); or sending or receiving money on behalf of someone else.
- “Receiver” refers to the person named as the beneficiary of the money transfer.
- “Sender” refers to the person who initiated a money transfer through the Western Union Online Service.
- “Transaction” refers to every money transfer that You initiate through the Western Union Online Service.
- “Western Union”, “We”, “Our” or “Us” refers to Western Union Financial Services Inc. in regard to these Terms and Conditions and in references made to “Negligence or Fraud on Our behalf” also includes Western Union affiliates or agents insofar as these assume operations which otherwise would have to be performed by Western Union Financial Services Inc. in order to provide the Western Union Online Service.
- “Western Union Online Service” refers to money transfer services which We provide through the Western Union Website.
- “Western Union Website” or “Website” refers to the website which We operate in order to provide online money transfer services and to the Western Union mobile application; and
- “You”, “Yours” or “Your” refers to every and any person using the Western Union Website as a Sender
What information we collect about you
The personal information we collect about you may include:
- Name, Date Of Birth And Gender;
- Identification Document Details;
- Contact Details, Including Address, Telephone Number And Email Address;
- Identifiers Assigned To Your Computer Or Other Devices, Including Your Internet Protocol (IP) Address.
Furthermore, by using our website, Cookies may be stored on your devices. You can find further information on Cookies below, under the title ‘Cookies and Web Beacons’.
Sharaf Exchange does not intentionally collect any special categories of personal data (sensitive personal information) via our websites unless in a specific country we are legally required to do so, for example, for recruitment purposes. Sensitive personal information includes: information revealing racial or ethnic origin; political opinions; religious or philosophical beliefs; trade union membership; the processing of genetic or biometric data for the purpose of uniquely identifying a natural person; information concerning health; information concerning a natural person’s sex life or sexual orientation; and in some cases, social security numbers or financial information.
Sharaf Exchange works to protect the confidentiality and security of information it obtains in the course of its business. Access to such information is limited and policies and procedures are in place, designed to safeguard the information from loss, misuse and improper disclosure.
How we collect information about you
Most of the personal information we hold about you is collected directly from you. We do this for example, when you:
- Visit Our Website;
- Register To Receive Information From Us Or Sign Up To Our Newsletter;
- Register To Access Our Portal (E.G. Partner Portal Or Almanac);
- Download E-Books And Other Information From Our Website;
- Contact Us Directly, Either Via The Contact Form On Our Website, By Email Or On Social Media;
- Register With Us For Recruitment And Vacancy Updates;
- Apply For An Employment Vacancy On Our Site;
- Respond To Communications Or Surveys;
- Accept The Use Of Cookies.
We will also collect information about you if you get in touch through one of our external partners (for instance, if you apply for a job vacancy using a third party provider, such as a recruitment agency or Lever, our Applicant Tracking System.
In order to understand more about you and to verify your identity, we may supplement and combine the personal information that we collect from you with other categories of data obtained from other sources.
We may change or add to these from time to time and the changes will be updated on our Privacy Notice.
