You should read this Agreement and keep it for your records. By enrolling, using the Card or by otherwise participating in the Programme, you accept the terms of this Agreement. Your Card is required to perform any Programme transactions. Your Card remains the property of Western Union and must be returned to us immediately upon our request at any time in case of abuse, cancellation of the Agreement or ending of the Programme. To benefit from all its advantages your Card can only be used by you. Its use is subject to the terms of this Agreement. Your Card is personal to you and cannot be shared.

Convenience: The Programme allows you to request completion of a Western Union® Money Transfer transaction at Participating Agent locations ("Qualifying Transaction") more conveniently and speedily. The Programme allows you to provide information about yourself via this application form and each time you send or receive money via a Qualifying Transaction, which we will store electronically by means of a database, which will be managed by Western Union so that it will be available automatically at Participating Agent locations whenever you present your Card. The list of Participating Agent locations can be obtained by calling the Western Union Gold Card Programme Customer Service Centre or by writing to the Western Union Gold Card Programme, as set out in Section 7 below. All money transfers that you initiate using the Programme are subject to the terms and conditions set out in this Agreement, as well as the terms and conditions applicable to Qualifying Transactions initiated at Participating Agent locations where you send/receive the money transfer (these terms and conditions appear on the "To Send Money" and "To Receive Money" forms available from Participating Agent locations). In order to use the Card and participate in the Programme, you must fulfil all requirements pursuant to law to enable you to send/receive money transfers in a particular country.

The Programme is open to private individuals who are 18 years and older and have a main residence at a valid address in Great Britain. Only one application per person will be accepted. We may, in our discretion, refuse to accept your application if you do not satisfy our application criteria.

All benefits offered are subject to change and availability or cancellation without any prior notice from us, while local restrictions and alterations may apply.

By providing your telephone, email address and/or mobile telephone number as part of the application process, you expressly consent to Western Union contacting you from time to time by telephone, e-mail or SMS/MMS messaging with news, offers, services and promotions concerning Western Union Services. You understand and agree that any charges imposed by the provider of such services are your sole responsibility. You can withdraw your consent at any time by contacting us as set out in Section 7 below.

• A. By participating in the Programme, you agree that Western Union, Authorized Service Providers and its Participating Agent locations may store, retrieve, access, process, transmit and use all information provided in connection with the Programme. To the extent permitted by applicable law, you also agree that Western Union may contact you regarding our products and services which we believe may be of interest to you and that Western Union may disclose the information that you provide to Western Union to others who may contact you regarding products or services which relate to your participation in the Programme. If you do not wish to be contacted by parties other than Western Union and its affiliates and Participating Agent locations or if you do not wish to be contacted with details of our products and/or services, please contact Western Union in the manner set out in Section 7 below.
• B. We may also disclose the Information to third parties, where reasonably necessary, for the purposes of the prevention and detection of crime, and the apprehension or prosecution of offenders, for the purpose of safeguarding national security or otherwise when we are required to do so by law.
• C. The Information may be held by Western Union or Authorized Service Providers for these purposes, and to provide you with the service you have requested, in countries outside the EEA, including the U.S., that have less stringent Data Protection Laws.
• D. You confirm that you have notified any third party as to how the Third Party Information will be used and processed as set out above and that you have obtained the consent of the third party for these purposes.

You may contact Western Union: to withdraw from the Programme, to report a lost or stolen Card, to request a replacement Card, or to change or correct your personal choice or request a copy of the data that Western Union maintains about your participation in the Programme. To provide your personal choice or to change account information go to your Western Union Gold Card Member Centre. If you have questions about our privacy practices or Information we maintain about you contact us by clicking here . You may contact Western Union by logging onto www.westernuniongold.com or by calling us on 0808 234 31 93 (free call from land lines, tariffs for mobile calls are set by your operator), or write to us at: Western Union, C/O Teleperformance, Thisseos 330, Kallithea, Athens 17675, Greece.

If you do not use your Card for a period of one year, we may suspend your participation in the Programme without notice to you.

We may assign this Agreement without obtaining your consent. Notwithstanding any other provision in this Agreement, you may not assign or transfer your Card or allow others to use your Card. You will be responsible for any unauthorised use of your Card unless and until you report it lost or stolen to Western Union.

If any provision of this Agreement is held to be invalid or unenforceable, the remainder of this Agreement will not be affected.

We may, from time to time, amend the terms of this Agreement with prior written notice to you. The terms of this Agreement can be obtained anytime by logging onto www.westernuniongold.com or by contacting us as set forth above under Section 7. By continuing to use our services by initiating a Western Union Money Transfer® transaction or by receiving a money transfer using your Card after this Agreement is amended or changed, you will be agreeing to any such amendment or change.

We may cancel the Programme, this Agreement or your entitlement to participate in the Programme immediately without notice to you. You may cancel this Agreement at any time by notifying Western Union in writing. If you do this, your participation in the Programme will terminate within thirty (30) days after we receive your written request to cancel. Cancelling this Agreement will not affect your obligations under this Agreement to the extent that such obligations are capable of surviving the termination of this Agreement.

This Agreement and the relationship between the Parties shall be governed by, and interpreted in accordance with, English law. The parties to this Agreement hereby irrevocably submit to the jurisdiction of the English courts.

Western Union terms and conditions for sending money may vary from time to time. The updated terms and conditions for Western Union ® Money Transfers are on the money send forms, and for automated customer receipts, they are on the back of the receipt. They are also available at the points of sale (on request).