Heritage is required by law to verify the identity of account holders / authorised signatories that use the Money in Minutes transfer service, for further details of Identification requirements see: Identification Requirements Terms and Conditions
Funds may be delayed or services unavailable based on certain transaction conditions, including amount sent, destination country, currency availability, regulatory and foreign exchange issues, required receiver action(s), identification requirements, agent location hours, differences in time zones, or selection of delayed options. Additional restrictions may apply.
Western Union makes money from currency exchange. Subject to applicable taxes, if any.
Certain financial products (namely wires and telegraphic transfers) are provided by Western Union Business Solutions (Australia) Pty Ltd ABN 24 150 129 749 AFSL 404092, trading as Western Union Business Solutions (“WUBS”), to Heritage Bank pursuant to its agreement(s) with Heritage Bank. Other financial products (for example, drafts) are provided directly by WUBS to you or by Western Union Network (Ireland) Limited ("WUNI") (for example, Money in Minutes), pursuant to their agreement(s) with Heritage Bank. Please note that fees and charges and terms and conditions apply and may vary depending upon the financial product.
If you are seeking to acquire financial products directly from WUBS (for example drafts) or WUNI (for example Money in Minutes), it is important for you to consider the relevant Product Disclosure Statement (“PDS”) or any other relevant WUBS documents before you decide whether or not that financial product is right for you. A PDS is available for each financial product issued directly by WUBS to you, either from Heritage Bank or on the compliance section of the WUBS website (http://business.westernunion.com.au/). The customer relationship relating to certain financial products provided by WUBS (namely wires and telegraphic transfers) is solely between you and Heritage Bank. The relationship relating to certain other financial products (namely drafts and Money in Minutes) is solely between you and WUBS or you and WUNI.
Any advice provided is general in nature and does not take into account your personal objectives, financial situation or needs. WUBS or Heritage Bank do not give you any advice, general, personal or otherwise. This communication has been prepared solely for informational purposes and does not in any way create binding obligations. No representations, warranties or conditions of any kind, express or implied are made in this communication.
WUBS and WUNI are operating divisions of the Western Union Company. WUBS is the issuer of the financial products (unless otherwise specified) referred to in this communication.