The collection, transfer, disclosure, use and storage of personal information is required to provide our services.
These activities are subject to information security standards, data privacy, data breach and related laws and
regulations in the United States and other countries. In the United States, data privacy and data breach laws such as
the federal Gramm-Leach-Bliley Act and various state laws apply directly to a broad range of financial institutions
including money transmitters like Western Union, and indirectly to companies that provide services to those
institutions. Many state laws require us to provide notification to affected individuals, state officers and consumer
reporting agencies in the event of a security breach of computer databases or physical documents that contain
certain types of non-public personal information and present a risk for unauthorized use.