Terms and conditions | Cash Express Service

Terms and conditions

Terms and conditions of the CASH EXPRESS CAMPAIGN Here

Terms and conditions applicable to the Western Union® Money Transfer5M Service (the "Service")

The Service is offered by Western Union Payment Services Ireland Limited ("WUPSIL" or "Western Union") through a network of authorised agents ("Agents') in the European Economic Area ("EEA"). WUPSIL outsources important operational functions to other entities belonging to the Western Union group and to selected third party vendors. WUPSIL, a subsidiary of the Western Union Company, is an Irish company with registered offices at Unit 9, Richview Business Park, Clonskeagh , Dublin 14, Ireland.

Western Union Payment Services Ireland Limited is regulated by the Central Bank of Ireland (the "Central Bank") and is registered as a payment institution in the Central Bank's register of payment service firms under number E0471360. Visit www.centralbank.ie for more information

Western Union offers the Service domestically and internationally. By initiating a send or receive transaction providing identification as required, and signing the transaction receipt, you agree to the execution of the money transfer. Before confirming the money transfer, you will be informed as to the maximum execution time, the commission charged and the exchange rate applied to the transaction, via the same channel as the one used to place the money transfer. You must inform your receiver about the money transfer, including name of sender, country of origin, approximate sum, the Money Transfer Control Number (the "MTCN') and any other conditions or requirements applicable at the location.

You must be at least 18 years old to use the Service. Applicable law prohibits money transmitters from doing business with certain individuals and countries and Western Union will not be able to provide the Service to those individuals and countries. Western Union is required to screen all transactions against lists of names provided by the governments of the countries and territories in which we do business, including, but not limited to, 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, consumers are required to provide additional identification and other information , delaying transactions. This is a legal requirement for all transactions processed by Western Union. For further information , please call 00800 111 4998'.

Conditions of payment and liability - Payment shall be made to the person that Western Union or its Agent deems entitled to receive it. Payment can be made even when the form filled out by the recipient contains minor errors, but in no case when the MTCN provided is incorrect. The payment can be made after examination of the recipients' government issued photo identification documents and only when the recipient has given the transaction details required by Western Union, in particular the sum of money transferred , the name of the sender, the correct MTCN, as well as the country from which the money was sent. Western Union will have fulfilled its obligation to you as soon as the transferred sum of money has been paid out to a person who has quoted the above-mentioned transaction details. Western Union shall examine the transaction details quoted by the recipient and the identification document produced with appropriate care and will refuse payment should there be justification to doubt the authenticity of said identification document.

You are obliged to ensure the correctness, completeness and legibility of the information you provide. You must take care to ensure that persons other than the recipient do not gain knowledge of data related to the transfer. Western Union recommends transferring sums of money only to persons you know. Western Union does not accept any guarantee for the supply or the properties of goods or services which were paid using the Service.

If you believe your transaction details have been stolen, lost or copied contact Western Union immediately by calling 00800 111 4998·. Prior to reporting such a loss, theft or improper use to Western Union you shall only be held liable if (i) you have forwarded transaction details to persons other than the recipient, which contributed to the improper use or (ii) did not immediately communicate the loss, theft or improper use or (iii) acted with intent to defraud, willfully or with gross negligence.

Western Union shall be held liable for damages resulting from the intentional misconduct or from the gross negligent conduct of its employees and Agents while processing your transaction pursuant to applicable law. Western Union's liability, the liability of its affiliated companies and of its foreign Agents is excluded in cases of minor negligence. The liability of Western Union is limited to the refund of the reasonably foreseeable damage of the contract up to the maximum amount of EUR 500 (in addition to the amount transferred and any charges) . In no event shall Western Union be liable if you have willfully or negligently disclosed data related to the transfer to persons other than the recipient. Western Union shall not be held liable for damage caused by Force Majeure (including the breakdown of telecommunication lines, civil unrest, war or other events which are outside Western Union's influence (e.g. strike, industrial lock-out or orders issued by government authorities)) .

Where a Western Union Agent accepts a cheque, credit or debit card or other non-cash forms of payment, neither Western Union nor its Agent is obliged to process the money transfer or pay it out, if the payment cannot be cashed. Furthermore, neither Western Union nor its Agents shall be liable for damage caused by a non-payment to a receiver due to the collection by Western Union or its Agents of non-cash form of payment or caused by the fact that the money transfer has been effected only when Western Union or its Agents have been able to cash the particular payment.

Western Union and its Agents may refuse to provide the Service to any person, without giving a reason, in particular to prevent fraud, money laundering or terrorist financing or to comply with any applicable law, order of a court or requirement of any regulatory or government authority .

Funds will be available for collection by the receiver at the latest by the end of the business day that follows the day on which the send amount and transaction fees were received by Western Union or its Agent ("Date of Receipt"), subject to statutory and regulatory requirements . For money transfers issued in paper form, this deadline is extended for one more business day. For (i) money transfers occurring outside of the EEA or (ii) for money transfers in which there is more than one currency conversion between the euro and the currency of one of the non-eurozone member states of the European Union or EEA occurs or (iii) for a possible cross border money transfer which does not occur in euro, funds will be available for collection by the receiver at the latest by the end of the fourth business day following the Date of Receipt.

Regular money transfers are usually available for pick up within minutes, unless any delayed service option is chosen, then funds will be available for collection by the receiver only at a later time, which may be up to 24 hours from the time the money is sent, depending on the delayed service option chosen. Funds may be delayed or Services unavailable based on certain transaction conditions , including amount sent, destination country , currency availability , regulatory issues, identification requirements, Agent location hours, differences in time zones , or selection of delayed service options. Additional restrictions may apply. For further information, please call 00800 111 4994•.

Details of the fees and charges which you will be required to pay to Western Union for the Service, as well as details of the exchange rate(s) which will be applied, are provided on the transfer receipt. Money transfer payments will normally be made in the currency of the destination country (in some countries payment is available only in an alternate currency). The actual exchange rate will be determined at the time the money transfer is confirmed in the system. All currency is converted at Western Union's then current rate of exchange. However, for some countries , due to local law requirements, the exchange rate may be an estimate only and the actual exchange rate may be determined only at the time of pay out. Western Union calculates its rate of exchange based on commercially available interbank rates plus a margin. Western Union and its Agents also make money from currency exchange. Most rates of exchange are adjusted several times daily in line with the prevailing rate of financial markets globally. 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 date of receipt. For further information , please call 00800 111 4998•.

The receiver may incur additional fees for receiving the sender's funds through a mobile telephone or to an account. The receiver's agreement with its mobile phone service , mWallet 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 or mobile number and name of the receiver, the transfer will be credited to the account number provided by the sender. 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. Western Union offers free SMS notification in some countries to indicate to the sender that the transaction has been collected by the receiver or to the receiver that funds are available for collection. Should sender or receiver request SMS notification to indicate availability or payout of the funds, Western Union is not responsible for any charges payable by the sender or receiver associated with SMS messages and charges applied by the service provider are the exclusive responsibility of the sender or receiver.

Conflicts of interest - WUPSIL performs the Service on behalf of its consumers. Money transfer does not tend to give rise to conflicts of interest entailing risk of damage to the interests of its consumers. If a conflict of interest does arise which cannot be reasonably avoided, WUPSIL shall: a) disclose the general nature and/or source of the conflicts of interest to the consumer; and b) ensure that the conflict does not result in damage to the interests of the consumer. For more information please contact 00800 111 4998•

Cancellation and Refunds - You may cancel the transaction at an Agent location or by calling 00800 111 4998• up to the time at which the receiver has picked up the money or, for account based transactions , until Western Union has submitted the funds to a bank partner. Once cancelled, Western Union will refund the principal amount, deducting the transfer fee applied for the Service. Refunds typically take up to 10 business days. If payment to the receiver is not made within 45 days, you may request a refund of the principal amount of a money transfer by writing to WUPSIL by letter or email. Western Union will refund the transfer fee upon your written request to WUPSIL by letter or email if the money transfer is not available to the receiver within the timelines specified above, subject to delay not being due to Force Majeure or due to conditions beyond the control of Western Union (or the Agents), including regulatory requirements, inclement weather or telecommunications failure Payment of some money transfers may be delayed as a result of the application of United States or other applicable laws.

In the event you have a complaint, believe an error has been made or have an enquiry in relation to the Service, please contact customer services call 0700 19 911• from Monday to Friday from 08:30 to 19:00, Saturday from 09:00 to 18 00, email us at office@cashexpress .bg, contact us via our website at www.cashexpress.bg or write to us at Unit 9, Richview Business Park, Clonskeagh, Dublin 14, Ireland. We will investigate your request and provide you with a response within 15 business days. If you are dissatisfied with the response, you have the right to refer your complaint to the Financial Services Ombudsman in Ireland by writing to 3rd Floor, Lincoln House, Lincoln Place, Dublin 2, Ireland, by calling +353 1 6620899 or via email enguiries@financialombudsman.ie or your local governmental office. Contact details of these offices are available at http//ec .europa.eu/consumers/solvinq consumer disputes/non-judicial redress/national-out-of-court-bodies/index en.htm

Western Union will use and process your personal information as described in its Privacy Statement and you explicitly consent thereto.

  • Free calls from landlines and public Standard network charges may apply for mobile calls. Lines are open Monday to Sunday from 7am - 1Opm. Copyright © 2018 WESTERN UNION HOLDINGS, INC. All Rights Reserved. Revised May 2018


These Terms and Conditions apply to and govern your participation in the Cash Express Campaign (“Campaign”).


1.1 Organizer of the Campaign is FH “Cash Express Service” Ltd., company registered at the Commercial Register of Registry Agency with UIC 130372185, with headquarters and registered address at 22 Venelin Str., City of Sofia (hereinafter referred to as the “Organizer”).

1.2 These General Terms and Conditions govern the relationship between the Organizer, on the one hand, and the persons participating in the campaign ("Clients"), on the other hand, as well as the conditions for participation in it. By participating in the campaign, the Clients agree to comply with these General Terms and Conditions.

1.3 These General Terms and Conditions for participation in the campaign are available on website www.cashexpress.bg, and also in https://www.facebook.com/CESWU/, throughout the campaign period in a way that allows their storage and reproduction.

The Organizer reserves the right to unilaterally supplement or change these General Terms and Conditions in accordance with the current Bulgarian legislation, and the changes will take effect within a period specified by the Organizer after their prior publication on the website e www.cashexpress.bg, and also in https://www.facebook.com/CESWU/

Additional information about the campaign can be obtained by phone: 0700 19 911 every day from 08:30 to 16:00.

1.4 Administrator and of personal data controller for data collected in connection with participation in this campaign is FХ Cash Express Service EOOD


2. The Campaign commences on 00:01 AM CET July 15th , 2022 and ends at 11:59 CET on August31st , 2022 (“Campaign Period”) and is subject to extension by the Organizer. Entries received after December 31st , 2022, 11:59 CET (or such later Campaign Period end date) will not be accepted and will be deemed invalid.


3. The Campaign is organized, conducted and is valid for locations of FH “Cash Express Services” Ltd. on the territory of Bulgaria.


4.1 Entry is open to every capable natural person residents of Bulgaria aged 18 years or above – who sends or receives international money transfers from Organizer’s locations during the Campaign Period.

Employees (and their immediate families) of the Organizer, and service providers/marketing agencies associated with this Campaign are ineligible to enter. Immediate family means any of the following: spouse, ex-spouse, de-facto spouse, child or step-child (whether natural or by adoption), parent, step-parent, grandparent, step-grandparent, uncle, aunt, niece, nephew, brother, sister, step-brother, step-sister or 1st cousin. The selected winner will be awarded only once. Tranactions that do not fully meet these conditions will be disqualified.

4.2 Campaign participants will find information on how to participate and the types of prizes in these Terms and Conditions. Each Client may participate in the campaign an unlimited number of times (as many times as the number of times sent / received money transfer through Western Union in an office of FH Cash Express Service EOOD within the duration of the campaign).

4.3 Participation in the campaign is entirely voluntary, is not binding and is not subject to the provision of a pledge by the Clients.


5.1.Participation is carried out through the following mechanism:
Every participant who sends or receives money transfers from the offices of FC Cash Express Service EOOD structure in Bulgaria during the campaign period receives a scratch card.
5.2. The Client participates in the campaign when he has used the service (ordered / received a money transfer) during the campaign from the office of FC "Cash Express Service" and meets these terms and conditions.

5.3 During the Campaign, there is no limit to the number of prizes that can be won by one participant. Using the Service more than once during the campaign increases the chance of winning.
5.4. The winning participants in the Campaign will be determined by a scratch card provided on the spot in the offices of the ORGANIZER structure.

5.5. When erasing the scratch card, each participant finds out on the spot if he / she wins a prize. Upon erasing, the participant may find an inscription with the winning prize or the inscription "TRY AGAIN".

5.6. The participant should receive the prize as it is written on the scratch card he has erased. The winners should receive their prizes in the same office where they made the transfer or in the central office of the Organizer in exchange for providing a winning scratch card.

5.7 In case the scratch card is profitable, the employee in the office will keep it in order to record the distributed Prizes and avoid abuse.

5.8 In case the Winner refuses to receive the Prize at the moment, the ORGANIZER is obliged to keep available the prize indicated in the scratch card for the duration of the campaign.

5.9 The Organizer is not responsible for network, computer, hardware or software damage of any kind that may limit or delay participation. Translations that do not follow the instructions or are incomplete, incorrect or invalid will not be counted.

5.10. All transactions must be valid and must not infringe the copyrights or other intellectual property rights of a third party. By entering the Campaign, participants agree to abide by these general terms and conditions and all legal provisions. The organizer has the right (but is not obliged) to use the data from any translation submitted in this campaign, in any form for all purposes and in all media and to adapt or use the data in any way in the future, in in accordance with Section VII of these General Terms and Conditions.


6.1 The ORGANIZER provides material prizes to 30 760 its clients,

who made a transfer during the Campaign:

Material prizes:

20 000 pens;

10 000 key-chain;

750 anti stress balls;

10 Bluetooth wireless headphones;

6.2 The winner can take their prizes directly from the main address of the organizer or from an office representative of the organizer on the territory of Bulgaria.

6.3 The Organizer reserves the right to replace the announced Prize with another, if this is necessary for reasons beyond its control, unless otherwise agreed in writing, the prize is non-refundable and it is impossible to transfer them to other persons.

6.4 In case the Winner refuses to receive the Prize, the Organizer will proceed in accordance with the rules established in these General Terms. The Organizer is not responsible for Prizes that are not received due to circumstances beyond his control.



7.1 The ORGANIZER is not responsible for any fees, taxes or fines that may arise in connection with winning a prize.

7.2 Clients who do not follow the rules and procedures lose their right to participate in the Campaign. Customers whose outgoing money transfer is cancelled also lose their right to participate in the current campaign.

7.3 The Organizer is not responsible in case of inability to participate in the campaign, receiving or using the Prize due to extraordinary circumstances, such as: cases of force majeure, accidental events, problems in the local network or the global Internet, connectivity services provided by third parties , as well as any other reasons beyond the control of the Organizer.

7.4 The Organizer does not guarantee that the opportunity to participate in the campaign will be continuous, timely, secure and free of errors, insofar as this is due to circumstances beyond its control. The organizer is not responsible for loss of stored information due to extraordinary and unpredictable system failures or technical problems related to participation in the campaign.

7.5 The Organizer and its affiliates exclude all their responsibilities arising from:

a) any postponement or change of the campaign to which these General Terms and Conditions apply;

b) any change to the Prize, its delivery or use;

(c) any act or non-performance by suppliers or other third parties,

which are beyond the reasonable control of the Organizer.

7.6 A client who has participated in the campaign may request his removal from the campaign and cancellation of his participation at any time. For this purpose, he must express his wish, using the contact details specified in these General Terms and Conditions (in person at the address of the Organizer, by e-mail, by phone), and will be fully assisted in removing him from the campaign and cancellation of his participation. This part of the Client's personal data related to the performed Service, which needs to be stored for financial and accounting purposes or fulfillment of other legal obligations, will be deleted or destroyed upon expiration of the statutory term.


8.1 By joining the Campaign, participants expressly agree that their personal data voluntarily provided in connection with their participation in the Campaign will be processed by the Organizer in accordance with the requirements of the Personal Data Protection Act and Regulation (EU) 2016/679 of the European Parliament. Parliament and the Council for the following purposes:

a / valid participation in the Campaign;

b / ensuring the normal receipt of the won prizes ;;

c / fulfillment of the requirements of the Personal Income Tax Act, specified in item 7.1.

d/ for future marketing purposes.

8.2 Each participant has the right to object to the processing of his personal data for the purposes of item 8.1, as well as the right of access, right to correct or exclude his personal data from the database of the Organizer by sending a written request to the address - town. Sofia, 22 Venelin Str., Office of FH Cash Express Service EOOD.

8.3 Refusal to provide or process the necessary personal data will result in inability to receive the prize won, as well as valid participation in this campaign.

8.4 The Organizer declares that it will store and process the data received in connection with this campaign in accordance with the regulatory requirements and its Privacy Policy.

8.5 The winning participants in the Campaign are personally responsible for the accuracy of the data provided. All data provided must be correct. Submitting incorrect data automatically deprives the participant of his right to receive a prize.

8.6 The Winner gives his explicit consent to the Organizer to store and process his personal data for the purposes of this campaign for a period of 1 (one) year after the end of the Campaign, except in cases where the data are required for proceedings before the Consumer Protection Commission. other state bodies. In the second hypothesis, the data are stored for a period of 1 year after the end of the proceedings


9.1. The organizer has the irrevocable right to terminate the Campaign in case there are circumstances beyond his control which prevent its further realization.

9.2. In case of Campaign termination there will be no prizes given or any other kind of compensation.


10.1. The organizer reserves his right to change or annex the present Campaign and these Terms and Conditions in his own judgment, as for that purpose the changes should be announced and made accessible to all users pursuant.

10.2. Disputes: any dispute arisen between the Organizer and the participants should be settled by mutual agreement.

10.3. The Organizer shall not be obliged to contact the participants who are not winners, including for notifying them of that fact.

10.4. The Organizer shall bear no responsibility for any damages/lost profits, caused to the Campaign participants, including but not only damages to the their software, hardware, telecommunication equipment or data loss, arising from materials or resources searched or used in any way through the Facebook profile of the Organizer.

10.5. By participating in the Campaign the participants agree to follow completely the present Terms and Conditions.

10.6 This campaign is entirely organized and conducted by FH Cash Express Service EOOD. Third parties, incl. Western Union is not the organizer or participant in the game and should not be responsible in connection with the campaign.

The present Terms and Conditions come into force during the Campaign Period, published at the corporate site of the Organizer: www.cashexpress.bg and/or on corporate Facebook page.

The promotion is valid while supplies last

The present Terms and Conditions are accepted and approved by the Organizer’s manager.