### Terms & Conditions for Online Payment by Customer through Oman Payment Gateway

Customers willing to pay any dues to Modern Exchange Company L.L.C. (hereinafter MEC) through online Oman-Net Payment Gateway are requested to read the following terms and conditions carefully before making an online payment:

1.  By using the online payments service, you accept to adhere to these terms and conditions. If you do not agree with the terms and conditions, please do not process further. These terms and conditions are in addition to and do not supersede other terms and conditions that may be applied by Oman-Net.
2.  Payment(s) through online Oman-Net Payment Gateway may only be made with a Oman-Net Card.
3.  MEC is only facilitating the payment by providing a link to the Payment Gateway Service provider or the Bank which will enable Customers to pay online. For your convenience, this page may contain certain hyperlinks to access other MEC pages. MEC is not responsible and shall not be liable for the functioning and/or any errors prompted by the link.
4.  If any Payment Gateway Service Provider or Bank imposes any taxes or charges, the same shall be borne by the Customer and cannot be claimed from MEC. MEC shall not be liable for any costs, expenses, taxes, penalties and/or charges of any type or nature.
5.  The Customer agrees to indemnify and hold MEC harmless against all direct and indirect claims, losses, damages and actions that the customers, payers, payee or any party may initiate in relation to the online payment gateway. Neither MEC nor any of its employees, agents, officers, management or representatives shall be liable for any loss or damage, costs, expenses, charges of any type that may be suffered by customers, payers, payee or any party as a result of such usage.
6.  All payments will be processed on the basis of the information that you provide. MEC does not accept any liability if you make any mistake in providing information or for any reason whatsoever.
7.  The service is provided using a Third Party payment gateway through a secure website. However, MEC does not give any assurance or guarantees, that the information provided online by a user is kept secured and/or a third party cannot read it or intercept it. MEC and/or its employees, agents, officers, management or representatives do not accept or assume any type of liability in the event of such unauthorized interception, hacking or other unauthorized access to information provided by a user of the online payment service.
8.  The Customer declares that he/she is the lawful owner of the money being remitted to the beneficiary and have the capacity and authority to execute this remittance. He / She also declares that he / she have full and complete knowledge of the beneficiary and that the money is being remitted for personal and lawful purposes.
9.  The Customer agrees, understands and confirms that his / her personal information including information relating to his/her Oman-Net Card transmitted over the Internet may be susceptible to misuse, hacking, theft and/ or fraud and MEC and/or its employees have no control over such matters. The Customer hereby undertake that, he / she alone shall be transacting through online and shall not share his / her user ID and password to any third party.
10.  The Customer agrees that the Oman-Net Card details provided by him/ her must be correct and accurate. The Customer shall not use a Oman-Net Card that is not lawfully owned by him/ her or the use of which is not authorized by the lawful owner thereof. The Customer shall not share these details to any third party and MEC shall not be held responsible in any manner.
11.  He / She understand that should this remittance be unpaid for whatsoever reasons by Modern Exchange Company L.L.C. (hence forth and interchangeably known as MEC), I can only claim the value thereof at the buying rate on the day the actual refund takes place. The refund will not take place unless MEC receives definite advice from their correspondents that the remittance remains unpaid and after the completion of necessary formalities to the satisfaction of MEC. Repayment/refund of the aforementioned claim/remittance will be done only to the account of the debit card used at the time of doing the transaction and is at the sole discretion of MEC. He / She hereby indemnify MEC and its employees against any liability whatsoever arising thereof.
12.  The information provided by the user on this website will be kept confidential and will not be shared with anyone unless required by law, by regulatory body or by court.
13.  Once the payment has been confirmed online, you will be given a Payment Receipt including a transaction number. Please note the transaction number and quote in any future queries about the payment. Payment Receipt so generated shall be the proof for successful payment.
14.  We retain the right to change the terms and conditions for Online Payments, without any prior notice.
15.  Customer obligation to pay the transaction dues remain unchanged in the event online transaction fails for whatsoever be the reason.
16.  Note : Kindly note that you will be contacted in case additional supporting financial documents or other information are required to process the transaction.
17. Modern Exchange Company L.L.C. shall not be liable for any incorrect information and / or documents provided by the Client and the Customer shall be solely responsible for verifying the accuracy of the information provided by him, including the beneficiary's information.
18.  The purchase and sale of currencies are subject to financial limits and financial exchange restrictions applied by the competent authorities and compliance with anti-money laundering rules. Customers should seriously note that any suspicious transactions will be reported to the relevant authorities in the relevant countries. 
Important Notice: The terms and conditions on which the service is provided are set out below. You are advised to read these terms and conditions, especially those restraining liability and data protection, before signing this form, in addition to the transfer fee, Western Union and it's agent also make money from the exchange of currencies. Please see further important information above regarding currency exchange and legal restrictions that may delay the transactions set out above of this form. PROTECT YOURSELF FROM CONSUMER FRAUD, CAREFUL WHEN A STRANGER ASKS YOU TO SEND MONEY. DO NOT DIVULGE THE DETAILS OF THIS TRANSFER TO THIRD PARTY. 
    
### SUMMARY OF THE WESTERN UNION ® MONEY TRANSFERSM SERVICE TERMS AND CONDITIONS (FORTHE FULL TERMS AND CONDITIONS, PLEASE ASK ANY WESTERN UNION AGENT OR VISIT WWW.WESTERNUNION.COM)

1.  Western Union ® Money TransferSM transactions can be sent and picked up at most Western Union ® Agent
    locations worldwide. Regular money transfers are usually available within minutes for pick up by the receiver, subject to the opening hours of the receiving Western Union Agent ( " Agent ") location. Exceeding amount limitations, regulatory restrictions or other restrictions in certain countries may delay the transaction. Western Union does not act as the agent or representative of any bank for any purpose and does not accept deposits on behalf of any bank.
2.  Money transfers will normally be paid in cash, but some Agents may pay by cheque or a combination of cash
    and cheque or may offer or the receiver may choose other ways to receive funds and some money transfers may be paid to accounts. All cash payments are subject to availability, receivers showing documentary evidence of their identity and providing all details about the money transfer required by Western Union, including sender ' s and receiver ' s names, country of origin, approximate sum, money transfer control number and any other conditions or requirements applicable at the Agent location.
3.  The sender authorizes Western Union to honor the receiver ' s choice of method to receive funds even if it
    differs from the sender's. Cash money transfers shall be paid to the person that Agents deem entitled to receive the transaction after verification of identity often through examination of identification documents. Such payment can be made even when the form filled out by the receiver contains errors. Neither Western Union nor its Agents carry out a comparison of the "To Send Money" form against the "To Receive Money" form to verify the address given for the receiver. In some destinations the 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 of a transaction and are prohibited in certain countries. Applicable law prohibits money transmitters from doing business with certain individuals and countries.
4.  Customers are sometimes required to provide additional identification or information, delaying
    transactions.
5.  TRANSFER FEES: Written information explaining how Western Union charges the sender for making a money
    transfer will either be displayed prominently at the Agent location or shown to the sender prior to completion of the payment order. In certain cases, payment of a money transfer may be subject to local taxes and service charges.
6.  FOREIGN EXCHANGE: Money transfer payments will normally be made in the currency of the destination country.
    In addition to the transfer fee applicable to each transfer and if the currency which the sender presents to an Agent is not the currency to be received by the receiver, all currency is converted at Western Union ' s then current rate of exchange. The currency will be converted at the time of transfer and the receiver will receive the foreign currency amount shown on this form. In a few countries local regulations require the currency to be converted at the time the receiver is paid, in which case the exchange rate and any amounts shown on this form may be subject to exchange rate fluctuations between the time of transfer and the time the receiver collects the funds.
7.  SPECIAL SERVICES: Where available, Western Union offers free SMS notification to indicate that the
    transaction has been collected by the receiver (for the sender) or that funds are available for collection (for the receiver). Western Union will send SMS messages to a third party gateway for delivery.
8.  ACCOUNT BASED TRANSFERS: Where available, the receiver may incur additional fees for receiving the sender's
    funds through a mobile telephone or to a bank or other account. Additional costs or delay may occur if transfers are not sent to a local (receiver) currency account. The receiver ' s agreement with its mobile phone service, mWallet, bank or other account provider governs the account and determines their rights, liability, fees, funds availability and account limitations. In the event that the account number provided (including mobile phone numbers for mobile accounts) does not belong to the named receiver, the transfer will be credited to the account number provided by the sender. Western Union may make money from fees associated with use of an account. REFUND - Western Union will refund the principal amount of a money transfer upon the sender ' s written request if payment has not made or credited. Transfer fees are not refunded if the transfer is stopped at the sender's request.
9. LIABILITY: Western Union disclaims all liability in respect of the sender's relationship with the receiver,
    without limitation, in respect of the delivery or suitability of any goods or services paid for by means of a Western Union money transfer. The sender's transaction data is confidential to him and should not be shared with any other person other than his receiver. The sender is cautioned against sending money to any person he does not know. In no event shall Western Union or any of its Agents be liable if the sender communicates transactional data to any person other than his receiver. To the extent permitted by law, in no event shall Western Union or any of its Agents be liable for damages for delay, nonpayment or underpayment of this money transfer, or non-delivery of any supplemental message, whether caused by negligence on the part of their employees or agents or otherwise, beyond the sum equivalent to US$500 (in addition to refunding the principal amount of the money transfer and the transfer fee). In no event will Western Union or its Agents be liable for any indirect, special, incidental, or consequential damages. The foregoing disclaimer shall not limit Western Union's or Agent ' s liability for damages resulting from Western Union 's or Agent ' s gross negligence or intentional misconduct in those jurisdictions where such a limitation of liability is void. The foregoing disclaimer shall not exclude Western's Union nor its Agent's liability for any condition or warranty that cannot be excluded by law including any implied warranty that it will render services with due care and skill, and Western Union ' s and its Agent ' s liability for breach of such condition or warranty shall be limited to the greater of the cost of providing the affected service again and the sum equivalent to US$500.
10. DATA PROTECTION: Your personal information is processed under applicable laws and is controlled by Western
    Union for the purposes of providing the requested services. Your information is used to provide you with the services you have asked for and may also be used in connection with other services, products, convenience and/or rewards programs, you signed up for with Western Union or its affiliates, and, subject to your choices, send you commercial communications. Providing your information and that of the receiver of our services is voluntary but necessary to execute the transaction. You consent to Western Union disclosing or transferring your information and Third Party Information to third parties to carry out transactions. Western Union may also disclose such information to third parties, where reasonably necessary, for the purposes of the prevention, detection, investigation and prosecution of crime, or when required by law, and the recipients may further disclose the information for these and other related purposes. If you wish to exercise your rights to access, request a copy, correct, erase or block your information or no longer wish to receive commercial communications from Western Union, please call 00965-22282345 during regular business hours. The Western Union Money Transfer Service is provided by Western Union Financial Services, Inc., an American company (for commercial services transactions) and Western Union International Limited, an Irish company (for money transfers), through a network of authorised Agents and representatives.
11. CUSTOMER RELATIONS - If you are not satisfied with the service you should call above number. A Western
    Union Representative will investigate your concerns fairly and will endeavor to do so speedily.
12. Protect Yourself From Fraud  Only use Western Union to send money to friends and family.  Never send money to someone you have not met in person. Do not transfer money to anyone for an emergency situation you haven’t confirmed, for an online purchase, for a credit card or loan fee, to claim lottery or prize winnings, for anti-virus protection, for a deposit or payment on a rental property, for a job opportunity, for a charity donation, to pay taxes, or to resolve an immigration matter. If you transfer money, the person you’re sending it to gets the money quickly. After the money is paid, Western Union may not be able to give you a refund, even if you are the victim of fraud, except under limited circumstances. If you believe you are the victim of fraud, call the Western Union Fraud Hotline at (00800100609)or visit https://www.westernunion.com/fraudawareness 
Fraud Awareness | Western Union 
Western Union Financial Services, Inc., #906983, is LICENSED BY THE GEORGIA DEPARTMENT OF BANKING AND FINANCE and Licensed as Money Transmitter by the New York State Department of Financial Services. www.westernunion.com 
13. Copyright 2017 WESTERN UNION HOLDINGS, INC. All Rights Reserved. Revised May 2017
    

## WESTERN UNION PRIVACY STATEMENT

The Western Union, our subsidiaries and affiliates ("Western Union" or "we" or “us”) care about your privacy and are committed to processing your personal information in accordance with fair information practices and applicable data protection laws to better serve you. For a list of local Western Union entities, please see here “WESTERN UNION LEGAL ENTITIES.”

Please be advised that Recipients in Lebanon are subject to an additional 2% cash handling fee collected by agents in Lebanon (on principal amount sent) which will be deducted from the principal amount at payout for transactions paid in US Dollar currency

To know more information Please visit  (https://www.westernunion.com/content/wucom/global/en/privacy-statement.html