1.1 You may transfer funds from your Available Balance through International Remittances. You hereby acknowledge and agree that this Wallet Service is powered and serviced by Remittance Intermediaries and such International Remittances will be subject to special terms and conditions as described below, as well as Western Union Money Transfer Service Terms set out below (Section 2):
• Unless applicable law in the destination country you specify for a Receiver requires otherwise, you will bear all fees, charges, local taxes, exchange fees, and any other fees and charges of whatever nature for International Remittances.
• Where possible, charges for International Remittances will be shared with you on the App prior to the completion of the transfer order. You acknowledge that such charges cannot always be calculated in advance. On requesting a transaction order, we will promptly share with you the applicable charges relating to the transaction.
• In the event you cancel a transaction, or a transaction is declined or for any other reason reversed, transaction fee and charges in relation to any International Remittances are non-refundable and therefore will not be returned to your Wallet Account. You are therefore advised to ensure that your requests for International Remittances are carefully reviewed before submission via the App.
• Remittance Intermediaries may be prohibited from completing an International Remittance transaction by applicable law, including laws administered by the us Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union.
• International Remittances are normally paid out in the currency of the destination country. If the currency that you select is not the currency to be received by the Receiver, the amount of the International Remittance will be converted at the then current rate of the destination country and as Barq determines from time to time, in addition to the applicable transfer fee. Such currency conversion will be made at the time of making the transfer and the Receiver will receive the converted foreign currency amount. Where local regulations at the destination country require, the currency of the International Remittance must be converted at the time the International Remittance is paid out to your Receiver, in which case the exchange rate and any amounts related to your International Remittance may be subject to exchange rate fluctuations between the time of transfer and the time your Receiver collects the corresponding funds. In countries that provide payment in multiple currencies, you must select the currency of payment to the Receiver at the time of selecting this Wallet Service. The transfer fee that the Remittance Intermediaries make when changing the funds into foreign currency may vary based upon the payment currency you selected.
• With respect to International Remittances from your Wallet Account to another bank account, where available, you are liable for any additional fees applicable where the Receiver’s account is not in the local currency or if you choose to complete a transaction in currency other than the local currency, or where local regulations in the destination country require the currency to be converted at the time the Receiver is paid, the Receiver’s receiving institution may, at its discretion, convert the funds at its own exchange rate or reject the transaction. The exchange rate applied may be less favourable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions.
• Remittance Intermediaries will refund the principal amount of an International Remittance (at the applicable exchange rate in effect at the time the refund is made) upon your request via the App when possible or if payment to the Receiver is not made or credited within forty-five (45) days. Transfer fees and charges are not refundable. To the extent allowed by law, Barq and Remittance Intermediaries may deduct an administrative charge from International Remittances that are not picked up within one (1) year of the send date.
• We and the Remittance Intermediaries do not guarantee the delivery or suitability of any goods or services paid for by means of International Remittance. In no event shall Barq or any Remittance Intermediary be liable if you communicate transactional data to any person other than the Receiver or if your Receiver communicates such transactional data to any other person. Barq is not responsible for any delay in the completion of an International Remittance transaction resulting from any cause whatsoever, including (without limitation) from: (i) a transaction exceeding any amount limitations, and/or (ii) regulatory restrictions or other restrictions. In no event shall Barq or any Remittance Intermediary be liable for damages for delay, non-payment or underpayment of an International Remittance, or non-delivery of any supplemental message, whether caused by negligence on the part of their employees or representatives or otherwise, other than refunding the principal amount of the International Remittance.
• In no event shall Barq or Remittance Intermediaries be liable for: (i) any fees, exchange rates used for conversion to non-local currency, (ii) acts or omissions of the destination or intermediary financial service providers, (iii) any losses resulting from any charges or fees being applied to your International Remittance transaction, or (iv) any indirect, special, incidental, or consequential damages.
2. WESTERN UNION MONEY TRANSFER SERVICE TERMS
These special terms for International Remittance apply to you if you wish to transfer funds through Western Union using the App:
1. Western Union money transfer transactions can be sent through mobile wallet account to bank or wallet accounts or picked up in cash at most Western Union Representative locations worldwide. You may call the number listed on Barq’s App for the address and hours of nearby Western Union locations.
2. Regular money transfers are usually available within minutes for pick up by the Receiver, subject to the opening hours of the receiving Western Union Representative (“Representative”) location. The Next Day/2 Day and account-based money transfer services are available upon request to limited countries. The money sent using the Next Day/2 Day money transfer service will be available for collection after 24 and 48 hours respectively. Account-based transfers generally take 3 business days, though transfers to mobile wallets are often available within minutes. Exceeding amount limitations, regulatory restrictions or other restrictions in certain countries may delay the transaction. Western Union does not act as the agent or representative of any bank for any purpose and does not accept deposits on behalf of any bank.
3. Money transfers will normally be paid in cash, but some Representatives will pay by cheque or a combination of cash and cheque or may offer or the Receiver may choose other ways to receive funds, and some money transfers may be paid to accounts. All cash payments are subject to availability, Receivers showing documentary evidence of their identity and providing all details about the money transfer required by Western Union, including sender’s and receiver’s names, country of origin, approximate sum and any other conditions or requirements applicable at the Representative location, for example the money transfer control number, which is mandatory for payout in some countries. You authorize Western Union to honor the Receiver’s choice of method to receive funds even if it differs from your choice of method. Cash money transfers shall be paid to the person that Representatives deem entitled to receive the transaction after verification of identity often through examination of identification documents. Such payment can be made even when the form filled out by the Receiver contains errors. Neither Western Union nor its Representatives carry out a comparison of the “To Send Money” form against the “To Receive Money” form to verify the address given for the Receiver. In some destinations the Receiver may be required to provide identification, a test question answer or both to receive funds in cash. Test questions are not an additional security feature and cannot be used to time or delay the payment of a transaction and are prohibited in certain countries.
4. Applicable law prohibits money transmitters from doing business with certain individuals and countries. Western Union is required to screen all transactions against lists of names provided by the governments of the countries in which we do business, including the US Treasury Department’s Office of Foreign Assets Control (OFAC) and the European Union. If a potential match is identified, Western Union researches the transaction to determine if the name matched is the individual on the relevant list. On occasion, customers are required to provide additional identification or information, delaying transactions. This is a legal requirement for all transactions processed by Western Union (inclusive of transfers that originate and terminate outside of the US).
5. TRANSFER FEES – Western Union charges for making a money transfer will be shared with you through Barq’s App prior to completion of the payment order. Unless applicable law in the destination country requires otherwise, you will bear all fees for the money transfer. In certain cases, payment of a money transfer may be subject to local taxes and service charges. For money transfers sent to Lebanon and collected in USD at Representative locations, a 2% Cash Handling Fee will be deducted from the principal amount at the time of payout.
6. FOREIGN EXCHANGE – Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in U.S. dollars or other alternate currency). In addition to the transfer fee applicable to each transfer and if the currency which you present to a Representative is not the currency to be received by the Receiver, all currency is converted at Western Union’s then current rate of exchange. The currency will be converted at the time of transfer and the Receiver will receive the foreign currency amount shown on this form. In a few countries local regulations require the currency to be converted at the time the Receiver is paid, in which case the exchange rate and any amounts shown on this form may be subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds. Western Union calculates its rate of exchange based on commercially available interbank rates plus a margin. Most rates of exchange are adjusted several times daily in line with the relevant closing rate of global financial markets. The exchange rate applied may be less favorable than some publicly reported commercial exchange rates used in transactions between banks and other financial institutions. Any difference between the currency exchange rate offered to customers and the currency exchange rate received by Western Union will be kept by Western Union (and, in some instances, its Representatives) in addition to the transfer fees. Additional information about exchange rates for specific destination countries can be obtained by calling Barq or contacting Barq through their website.
7. Sending and receiving in countries that provide payment in multiple currencies: You must select the currency of payment at the time the send money transaction is made. The transfer fee and the money Western Union (or its Representatives, mobile phone or account provider) makes when it changes the funds into foreign currency may vary based upon the payment currency selected. In some countries it is possible to decide to receive the funds in a currency different from the one that you selected.
8. ACCOUNT BASED TRANSFERS – MOBILE MONEY TRANSFER – (MMT): Where available, the Receiver may incur additional fees for receiving your funds through a mobile telephone or to a bank or wallet account. Transfers should be sent to a local (receiver) currency account, otherwise the receiving institution may convert the funds at its own exchange rate or reject the transaction. The Receiver’s agreement with its mobile phone service, Wallet, bank or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event of an inconsistency between the account number (including mobile phone numbers for mobile accounts) and name of the Receiver, the transfer will be credited to the account number provided by you. Western Union may make money from fees associated with use of an account. Western Union accepts no responsibility to the sender nor to any account holder for any fees, exchange rates used for conversion to non-local currency, acts or omissions of the destination or intermediary financial service providers.
9. REFUND – Western Union will refund the principal amount of a money transfer (at the applicable exchange rate described herein in effect at the time the refund is made) upon your written request if payment to the Receiver is not made or credited within 45 days. Transfer fee refunds are made upon your written request if the money transfer is not available to the Receiver within the time specified for the selected service, subject to the business hours of, and availability of funds at, the location selected for payment and other conditions, including, without limitation, conditions beyond the control of Western Union or its Representatives, such as inclement weather or telecommunications failure. Transfer fees are not refunded if the transfer is stopped at your request. Payment of some money transfers may be delayed as a result of the application of United States or other applicable laws. To the extent allowed by law, Western Union may deduct an administrative charge from money transfers that are not picked up within one year of the send date.
10. LIABILITY – WESTERN UNION DOES NOT GUARANTEE THE DELIVERY OR SUITABILITY OF ANY GOODS OR SERVICES PAID FOR BY MEANS OF A WESTERN UNION MONEY TRANSFER. YOUR TRANSACTION DATA IS CONFIDENTIAL TO HIM AND SHOULD NOT BE SHARED WITH ANY OTHER PERSON OTHER THAN HIS RECEIVER. YOU ARE CAUTIONED AGAINST SENDING MONEY TO ANY PERSON HE DOES NOT KNOW. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS REPRESENTATIVES BE LIABLE IF YOU COMMUNICATE TRANSACTIONAL DATA TO ANY PERSON OTHER THAN YOUR RECEIVER. IN NO EVENT SHALL WESTERN UNION OR ANY OF ITS REPRESENTATIVES BE LIABLE FOR DAMAGES FOR DELAY, NONPAYMENT OR UNDERPAYMENT OF THIS MONEY TRANSFER, OR NON-DELIVERY OF ANY SUPPLEMENTAL MESSAGE, WHETHER CAUSED BY NEGLIGENCE ON THE PART OF THEIR EMPLOYEES OR REPRESENTATIVES OR OTHERWISE, BEYOND THE SUM EQUIVALENT TO US$500 (IN ADDITION TO REFUNDING THE PRINCIPAL AMOUNT OF THE MONEY TRANSFER AND THE TRANSFER FEE). IN NO EVENT WILL WESTERN UNION OR ITS REPRESENTATIVES BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. THE FOREGOING DISCLAIMER SHALL NOT LIMIT WESTERN UNION’S OR REPRESENTATIVE’S LIABILITY FOR DAMAGES RESULTING FROM WESTERN UNION’S OR REPRESENTATIVE’S GROSS NEGLIGENCE OR INTENTIONAL MISCONDUCT IN THOSE JURISDICTIONS WHERE SUCH A LIMITATION OF LIABILITY IS VOID.
11. When a Representative accepts a cheque draft, credit or debit card or other non-cash form of payment, neither Western Union nor the Representative assumes any obligation to process or pay the money transfer if the form of payment is uncollectible, nor do they assume any liability for damages resulting from nonpayment of the money transfer by reason of such uncollectibility. Western Union reserves the right to change these terms and conditions or the offered service without notice. Western Union and its Representatives may refuse to provide service to any person.
12. Your personal information is processed under applicable laws and controlled by Western Union International Limited. Western Union uses personal information you provide to us when using their products and services through the App, as well as other required information that is collected or generated during our relationship with you. This includes information from other services like money transfers, bill payments, loyalty or membership program details, previous use of our services history, and marketing choices.
13. Western Union may also use, collect from and share with other businesses that work with us, information from other products and services and convenience and/or rewards programs, for which you have registered. This information may be used for any of these purposes. We will hold and retain the information that you give us about another person including the details of the receiver of our services in order to execute the transaction. Prior to providing this information you are obliged to notify and secure authorization from the other person on our use of this information as set out in this section. The provision of this information is optional information but needed to execute the transaction and provide these services to you. Without it, Western Union is unable to provide the money transfer, facilitate convenience activities or other requested services.
14. Western Union may provide the information we hold to parties located outside the EEA, including the USA, for the purpose set out in this statement. The categories of data transferred are personally identifiable information, contact details and information relating to the money transfer, transaction history, and any other Information supplied by you. Western Union may also provide the information to other organizations, if there is a reasonable need to do so, to carry out or aide the money transfer, future services, or for any of the reasons or uses set out in this section. Western Union may add to information you provide with information from other businesses or individuals, including information to validate the accuracy of your information provided by you. Western Union may also give information to third parties, where there is a reasonable need, to help prevent and detect crime, to prosecute offenders, national security or other legal reasons.
15. The information we hold may be accessed by Western Union and its affiliates including but not limited to Western Union Payment Services Ireland Ltd, Western Union International Bank GmbH, Western Union International Limited and Western Union Financial Services, Inc. for any of the reasons set out in this section or for other purposes to which you have agreed. You have a right to ask us to see and get a copy of your information, for which we may charge a small fee. You can also correct, erase or limit our use of the information, which is incomplete, inaccurate or out-of-date. And you may object at any time on legitimate reasons to the use of your information, where the processing is not required to complete the service, or required by law or regulation.
16. The Western Union money transfer service is provided by Western Union Financial Services, Inc., an American company (for money transfers from the United States, Canada, and Mexico, and for commercial services transactions) and Western Union International Limited, an Irish company (for all other transactions), through a network of authorized Representatives.
3. FRAUD WARNING
Barq values the safety of money transactions. If any of the following situations apply, DO NOT SEND the money transfer. It might be a scam and someone could be trying to steal your money:
1. Never transfer money to a stranger. Know who you are dealing with.
2. Never send money in the following situations:
o To make a charity donation or to pay an internet merchant for supplies during a pandemic, natural disaster, or other crisis.
o To receive money (e.g., lottery winnings, prize, job offer, or loan).
o To pay a government taxing authority or the police.
o To buy a car, puppy, another unique or high-value item, or to make an apartment deposit.
3. Never send money without checking out the story. Reach out to that friend or family member you heard is in need first.
4. Never send money in light of any kind of message that sounds too good to be true, such as winning prizes or contests.
5. Never give your transaction reference number to anyone other than the intended recipient. Sellers and telemarketers cannot take money transfer payments from people for something they are selling through telemarketing.
If you send money notwithstanding the above, money can be paid out quickly and you may not be able to get a refund.
If you have lost money to a scam via Barq, call Barq at 8001000077 or visit barq.com to file a fraud report.
