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
GENERAL TERMS AND CONDITIONS OF THE CAMPAIGN OF “CASH EXPRESS SERVICE” Ltd.
I. CAMPAIGN ORGANIZER
1.1 The organizer of the campaign is FC "Cash Express Service" Ltd., UIC 130372185, with registered office and address: 22 Venelin St., Sofia ("Organizer").
1.2 These general terms govern the relations between the Organizer and the participants ("Clients") in the campaign. By participating, clients accept these terms.
1.3 The terms and conditions are available at: www.cashexpress.bg and https://www.facebook.com/CESWU/. The Organizer reserves the right to amend them with prior notice.
1.4 Additional information can be obtained by calling 0700 19 911 (from 08:30 to 17:30).
II. CAMPAIGN DURATION
2.1 The campaign will run from 00:01 on 01.10.2025 to 23:59 on 30.06.2026 and will consist of three quarterly stages:
- Stage I: October – December 2025
- Stage II: January – March 2026
- Stage III: April – June 2026
2.2 At the end of each stage, 5 winners will be drawn. A total of 15 prizes will be awarded.
III. CAMPAIGN SCOPE
3.1 The campaign is valid for all offices within the structure of FC "Cash Express Service" Ltd. in Bulgaria.
IV. ELIGIBILITY TO PARTICIPATE
4.1 Every adult client who sends a money transfer via Western Union from an Organizer’s office during the campaign period is eligible to participate.
4.2 Employees of FC "Cash Express Service" Ltd. and their relatives (direct and collateral line) are not eligible to participate.
4.3 Participation is voluntary. Every valid transfer is automatically entered; no additional action is required by the client.
4.4 Participants may request to be excluded from the draw by sending a written notice to the Organizer.
V. PARTICIPATION MECHANISM AND PRIZES
5.1 Each international money transfer (minimum €100 or equivalent) from Bulgaria to the EU, the UK, or Turkey qualifies for participation. Transfers to other countries are not included.
5.2 Winners will be drawn at the Organizer’s head office using specialized software that will randomly select the required number of winners from all qualifying transfers.
5.3 A participant may win more than one prize if they have made multiple transfers.
5.4 Winners will be contacted by phone within 3 working days of the draw. This will be publicly announced on the Organizer’s social media. A photo will be published only with the winner’s consent. If the Organizer cannot contact a winner within 5 working days, a new winner may be selected.
5.5 The Organizer reserves the right to invite winners to a promotional photo session. If a winner refuses to participate in the session, the Organizer reserves the right to withhold the prize and select a new winner.
5.6 If a winner refuses the prize, the Organizer is obliged to draw a substitute.
VI. PRIZES
6.1 15 round-trip airline tickets (up to €400 per ticket) to Bulgaria from the country where the winning transfer was sent (EU, UK, or Turkey). The winner chooses the travel dates. Only hand luggage is included. The Organizer reserves the right to select the most cost-effective option.
6.2 The prize is awarded in person. It cannot be exchanged or transferred.
6.3 The Organizer is not liable for undelivered or unreceived tickets due to extraordinary circumstances.
VII. ADDITIONAL INFORMATION
7.1 The Organizer is not responsible for technical or communication issues beyond its control.
7.2 Canceled or non-qualifying transfers are excluded from the campaign.
7.3 All campaign-related actions must comply with the law and good practices.
VIII. PERSONAL DATA PROTECTION
8.1 The Organizer will process full name, address, email, and phone number. By entering the draw, participants agree to these rules and the purposes for which their data will be processed, as stated below.
8.2 The purpose of data processing is to identify the winners and deliver the prizes, as well as to announce the winners on the Organizer’s social media. Participants explicitly agree to be publicly announced if they win. The Organizer will not use personal data for any other purposes.
8.3 The Organizer undertakes not to share participants’ data with third parties, unless required by law.
8.4 Personal data will be processed until the prizes are delivered and the winners are announced. Data may be stored longer only if legally required or permitted.
8.5 As data subjects, participants have all legal rights under Article 13 of Regulation (EU) 2016/679 (GDPR).
IX. CAMPAIGN TERMINATION
9.1 The Organizer reserves the right to terminate the campaign early in case of abuse, violation of the terms, or force majeure, without owing compensation. In such cases, the termination will be announced on the Organizer's website, and participant entries will be voided.
X. FINAL PROVISIONS
10.1 By entering the draw, every participant is deemed informed and agrees to these Terms.
10.2 The campaign is organized solely by FC "Cash Express Service" Ltd. Western Union is not responsible.
10.3 Any challenge to the draw’s outcome or validity by participants shall have no effect on the Organizer.
10.4 These Terms are binding for all participants. The Organizer may unilaterally amend them by publishing changes on its website. No changes will be made during a winner draw. Participants must accept the new terms before joining a subsequent draw.