10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed

abdul hafeez Baig <hafeezbaig32@gmail.com>

Mohammed Abdul Hafeez, your money transfer is being processed

1 message

WesternUnion Service <noreply@txns.comms.westernunion.com> Wed, Oct 9, 2024 at 12:48 AM

To: hafeezbaig32@gmail.com

Open email in browser

We are processing
your money transfer
Hi Mohammed Abdul Hafeez,

We’re on it! Your money transfer MTCN 0684021987 is being

processed and will be available in Habiba's bank account by 10-
11-2024.

Thanks for choosing us.

Track your transfer with your 10-digit MTCN number.

Your Receipt:

https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 1/6
10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed

Tracking Number (MTCN) Date of Transactions

0684021987 10-09-2024 01:48:02 ET

Sender Details Final Receiver Details

Name Name
Mohammed Abdul Hafeez Baig Habiba Begum

Address Address
9001 NOLAN CT, PLANO, TX, 75025, NEW BOWENPALLY,
UNITED STATES SECUNDERABAD, TG, 500011,
INDIA
Phone Number
4013016801 Phone Number
91 9032461457

Expected Foreign Country Payout

Location
SECUNDERABAD, TG, INDIA

Payment Information Payout Information

Paid with Date Available in Final Receiver’s
CHASE BANK Country
Bank account ending in 1766 10-11-2024

Delivery Method
Final receiver's bank account

Bank Details
SBIN
Bank account ending in 2223

Billing Summary Transfer Summary

Transfer Amount Exchange Rate*
2,395.63 USD 1 USD = 83.4852 INR

Transfer Fees Transfer Amount

+ 1.99 USD 200,000.00 INR

https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 2/6
10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed

Total Total to Final Receiver

2,397.62 USD 200,000.00 INR

CONSUMER FRAUD ALERT: PROTECT YOURSELF. BE CAREFUL WHEN A

STRANGER ASKS YOU TO SEND MONEY, ESPECIALLY FOR INTERNET
AUCTIONS, NEWSPAPER or TELEPHONE OFFERS. Western Union does not
guarantee delivery or suitability of goods or services paid for with Services. Western
Union is not an escrow service provider. Customer and Receiver agree not to use
Services for escrow purposes.

THE SERVICES, AS DEFINED BELOW, ARE PROVIDED TO YOU SUBJECT TO

THE FULL TERMS and CONDITIONS and APPLICABLE LAW.

1. WHEN YOU SEND MONEY WITHIN THE U.S. or ITS TERRITORIES ("U.S."),
WESTERN UNION®, VIGO® and ORLANDI VALUTASM ("OV") MONEY TRANSFER
SERVICES (COLLECTIVELY, THE "SERVICE(S)") ARE PROVIDED BY WESTERN
UNION FINANCIAL SERVICES, INC. ("WUFSI";NMLS:906983). WHEN YOU SEND
MONEY OUTSIDE THE U.S., SERVICES ARE PROVIDED JOINTLY BY WUFSI and
WESTERN UNION INTERNATIONAL SERVICES, LLC ("WUIS";NMLS:906985).
THE U.S. PORTION OF THE SERVICES ARE TYPICALLY PROVIDED THROUGH A
WESTERN UNION, VIGO, or OV AGENT. WUIS PROVIDES THE NON-U.S.
PORTION OF THE SERVICES. ALL PORTIONS OF THE SERVICES (U.S. and
NON-U.S.) ARE SUBJECT TO THESE TERMS and CONDITIONS ("AGREEMENT")
and APPLICABLE LAW. Additional information regarding the Services may be
obtained in this Agreement, at wu.com, vigousa.com and orlandivaluta.com,
depending on the Services you choose. As used in this Agreement, "WU" or "Western
Union" refers to WUFSI for transactions sent within the U.S., and WUFSI and WUIS
for transactions sent outside of the U.S., and "Agent(s)" refers to U.S. agents of
WUFSI and/or international agents or representatives of WUIS, as applicable. Service
and funds availability depend on certain factors including the Service selected, the
selection of delayed delivery options, special terms applicable to each Service,
amount sent, destination country, currency availability, regulatory or consumer
protection issues, identification requirements, delivery restrictions, agent location
hours, and differences in time zones. "Receiver(s)" or "Final Receiver(s)" means the
recipient designated by the consumer ("You" or "Your") to receive funds sent by You in
the Expected Payout Location ("EPL"). For transactions sent, EPL generally means
any Agent location in the destination country You identify. The Services offered by
Telecomunicaciones de Mexico ("Telecomm") are only available at Telecomm
locations. Final Receiver will normally receive funds in cash, check, or a combination
thereof; with some Services, funds may be credited to a bank account, prepaid, debit
or credit card ("Card(s)"), mobile wallet ("MWallet(s)"), or similar account (collectively,
"Account(s)"). Receiver may be able to elect a payout method that differs from the
payout method You specify; You authorize WU to honor Receiver’s election of payout
method. Receivers who choose to receive funds through a payout method other than
cash or in a currency other than the one You selected may incur additional fees to
access funds. Certain countries and/or jurisdictions may impose a tax, fee and/or tariff
on Receiver's receipt of, or access to, transferred funds. Transactions may be reported
to applicable authorities. Messaging and notification services may be included for
additional fees. In some destinations 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
https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 3/6
10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed
of a transaction and are prohibited in certain countries. WU RELIES ON THE
INFORMATION YOU PROVIDE US TO SEND MONEY. PLEASE REVIEW ALL
TRANSACTION DETAILS FOR ACCURACY BEFORE CONTINUING YOUR
TRANSACTION.

2. REFUNDS: Subject to applicable law: (i) transactions may be canceled for a

refund of the transfer amount, unless the funds have been picked up or
deposited at the time WU receives Your written request; (ii) for certain services,
excluding WU's bill payment and prepaid products and services, WU may
provide a transfer fee refund if funds are not available within the specified
timeframe; and (iii) WU may charge You a fee to refund the transfer amount back
to You in those instances where Receiver rejects Your funds. Qualifying refunds
for transactions within the U.S. will be made within 45 days of receipt of Your
valid written request. WU may issue Your refund through a Western Union
money transfer or WU may issue the refund to the credit / debit card or bank
account that was used to pay for the transaction. In lieu of receiving the refund
by a Western Union money transfer, You may request WU to mail You a check in
the amount of the refund. SPECIAL TERMS FOR INTERNATIONAL
TRANSACTIONS: Notwithstanding the foregoing, and subject to applicable law,
international transactions may be canceled for a full refund of the transfer
amount and fees paid within 30 minutes of payment, unless the funds have been
picked up or deposited. You may also receive a full refund in certain
circumstances if You successfully assert an error or as otherwise provided
under applicable law.

3. RESOLUTION OF DISPUTES: Unless You opt out as set forth below, any dispute
arising from or relating to this transaction shall be resolved by final and binding
arbitration. The arbitrator shall also decide what is subject to arbitration. The arbitration
will be administered by National Arbitration and Mediation ("NAM") under its
Comprehensive Dispute Resolution Rules and Procedures, which are available at
https://westernunion.com/arbitrationinfo or by writing to 990 Stewart Ave., 1st Fl.,
Garden City, NY, 11530, and explain how to initiate arbitration. You will be responsible
for up to $125 of the administration fees. WU may reduce this amount if You
demonstrate hardship. This Agreement is governed by the Federal Arbitration Act, and
any award shall be subject to judicial confirmation. Any arbitration shall take place
on an individual basis; class actions or arbitrations are not permitted. If any part
of this paragraph is deemed invalid, it shall not invalidate the other parts. If NAM is
unavailable, the parties or a court will select another arbitrator. You may opt out of
arbitration within 30 days after initiating a transaction by calling 1-800-325-6000 (WU),
1-866-519-0433 (Vigo) or 1-800-515-5505 (OV). IF YOU DO NOT OPT OUT, YOU
WILL WAIVE ANY RIGHT TO A TRIAL BY JURY or JUDGE IN COURT and ANY
RIGHT TO PARTICIPATE IN A CLASS ACTION.

4. LIMITATIONS OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY

APPLICABLE LAW: (1) IN NO EVENT SHALL WU BE LIABLE FOR DAMAGES
WHETHER CAUSED BY NEGLIGENCE ON THE PART OF ITS EMPLOYEES,
SUPPLIERS or AGENTS or OTHERWISE, BEYOND THE SUM OF $500 (in addition
to refunding the transfer amount and transfer fee and except as provided in California
Financial Code § 2102); and (2) IN NO EVENT SHALL WU or ITS AGENTS BE
LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL,
EXEMPLARY or PUNITIVE DAMAGES, or THE LIKE.

5. INTERNATIONAL TRANSACTIONS, CURRENCY EXCHANGE: When You send

money outside the U.S., You are contracting with both WUFSI and WUIS, which
are conducting two separate money transfer transactions in order to make the
money available to Final Receiver. In the first transaction, You are engaging
WUFSI and its Agents to collect Your money and make it available to WUIS. In

https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 4/6
10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed
the second transaction, You are engaging WUIS to convert Your money into the
correct currency and make the funds available to Final Receiver outside the U.S.
WUFSI issues this receipt when you pay WUFSI or its Agent and WUIS issues
this receipt when WUFSI pays WUIS on Your behalf.

In addition to the transfer fees, which are charged by WUIS, a currency

exchange rate will be applied. U.S. currency is converted to foreign currency at
an exchange rate set by WU unless the laws of the EPL do not permit WU to set
an exchange rate. Any difference between the rate given to You and the rate
received by WU will be kept by WU (and, in some cases, its Agents) in addition
to the transfer fees. Subject to applicable law, the actual or estimated currency
exchange rate applicable to Your transaction will be provided on the written
disclosures provided to You by WU. Payouts will generally be made in the
national currency of the EPL ("Local Currency"). In some countries, You may
designate a payout currency other than the Local Currency; however, the
alternate currency You choose may not be available at all Agent locations. WU is
not responsible for the currency exchange rate that will be applied if Final
Receiver chooses to receive a currency other than the currency You selected.

6. PRIVACY: We may collect and disclose personal information to third parties as

explained in our Privacy Statement. To get a copy, visit wu.com or email
wuprivacy@westernunion.com. We collect personal information, for example, when
You transact with us (e.g., using the Services) and other companies; submit
information on applications, forms, and by other means; use or visit our or other apps
or online sites; enter a promotion; register for communications; or join a loyalty
program. We also collect information from many sources and may collect, track and
combine information across devices, platforms and channels. Information disclosed
may include financial data (e.g., information on transactions with us and other financial
matters), contact information, identification, computer, mobile device and social
network information. Recipients may include financial and non-financial companies,
service providers, government agencies and direct marketers. You may direct us to
limit certain disclosures, and Your choice will apply until You change Your choice or we
delete Your data. To limit disclosures (opt out), email wuprivacy@westernunion.com.

TEXAS CONSUMERS
Complaints concerning sale of checks or money transmission activities should be
directed to: Western Union Financial Services, Inc., P.O. Box 6036, Englewood,
Colorado 80155 or call 1-800-325-6000. After first contacting Western Union, if you
still have an unresolved complaint regarding the company’s sale of checks or money
transmission activities, please direct your complaint to: Texas Department of Banking,
2601 North Lamar Boulevard, Austin, Texas 78705; Telephone Number:
1-877-276-5554, Fax Number: 1-512-475-1313, e-mail address:
consumer.complaints@dob.texas.gov ; Website Address: www.dob.texas.gov.

https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 5/6
10/9/24, 1:45 AM Gmail - Mohammed Abdul Hafeez, your money transfer is being processed
This is a customer service email from Western Union.

Western Union Financial Services, Inc PO Box 6036 Englewood, CO 80155

Services may be provided by Western Union Financial Services, Inc. NMLS# 906983
and/or Western Union International Services, LLC NMLS# 906985, which are licensed
as Money Transmitters by the New York State Department of Financial Services. See
terms and conditions for details.

©2024 Western Union Holdings, Inc. All rights reserved.

Terms & Conditions | Privacy | Contact | Fraud awareness

mtinprogress_us_en

https://mail.google.com/mail/u/0/?ik=b2b22a97f5&view=pt&search=all&permthid=thread-f:1812414214508227241&simpl=msg-f:1812414214508227241 6/6