Dallas cargo

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.