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"Services providers, based on your consent where applicable, including those that provide marketing services, advertising services, shopping services related to our loyalty programs, and customer satisfaction and market research services on our behalf. Such sharing may include sharing with third parties (such as social media companies) to facilitate more relevant and targeted advertising."

Western Union shares personal information with a wide range of third parties including advertising networks, social media companies, data analytics providers, and operating systems/platforms for targeted advertising purposes.

"Technical information, such as the host from which you access the internet, your IP address or device advertising ID, geolocation if enabled, information about your device (such as device properties, settings, applications, storage and usage information). Categories of Third Parties for Geolocation Data: Advertising and social networks; Data analytics providers; Operating systems and platforms."

Western Union collects geolocation data from devices and shares it with advertising networks, data analytics providers, and operating system platforms.

"Technical information, such as the host from which you access the internet, your IP address or device advertising ID, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, social profile and network information, the date and time you access our websites, and the address of the site from which you linked to our website when you visit us."

Western Union collects device advertising IDs, IP addresses, browser fingerprinting data, and social profile information, enabling cross-service tracking across websites and apps. They also explicitly do not respond to Do Not Track signals.

"Technical information, such as the host from which you access the internet, your IP address or device advertising ID, geolocation if enabled, information about your device (such as device properties, settings, applications, storage and usage information), mobile application, browser and operating system software, social profile and network information. Sensitive or special categories of information, such as biometric information used to uniquely identify you (for example, fingerprints or facial recognition)."

Western Union collects extensive device data including installed applications, device settings, storage and usage information, and biometric data like fingerprints and facial recognition, going well beyond what's needed for money transfers.

"Your personal information will be retained in accordance with statutory periods contained in regulations applicable to financial transactions and accounts including those in anti-money laundering, anti-terrorist financing and other laws applicable to us. Otherwise, we will retain your information only if necessary for the specific purposes for which it was collected, or to resolve any query you may raise."

Western Union provides no specific retention timelines, citing broad regulatory requirements that could justify retaining data indefinitely. The statement that data is kept to 'resolve any query' is open-ended.

"We may modify this Global Privacy Statement from time to time, and updated privacy statements will be posted on this Website when amendments occur. We encourage you to review this Global Privacy Statement when you visit to obtain the most current statement."

Western Union can change its privacy practices at any time by simply posting an update on its website, with no requirement to notify users or obtain consent for material changes.

"Upon receiving a request, Western Union will confirm receipt of the request within 10 days and will provide information on how we will verify your identity and process your request. We will then respond to the request within 45 days. CCPA Report Metrics: Deletion requests received: 53. Delete requests complied with in whole or in part: 49. Delete requests denied or closed: 4."

Deletion requests take up to 45 days to process, require identity verification, and their own metrics show some deletion requests are denied. There is no self-service deletion option — users must submit formal requests through a portal.