This site contains certain statements that are forward-looking within
the meaning of the Private Securities Litigation Reform Act of 1995. These
statements are not guarantees of future performance and involve certain risks,
uncertainties, and assumptions that are difficult to predict. Actual outcomes
and results may differ materially from those expressed in, or implied by, our
forward-looking statements. Words such as “expects,” “intends,” “targets,”
“anticipates,” “believes,” “estimates,” “guides,” “provides guidance,”
“provides outlook,” “projects,” “designed to,” and other similar expressions
or future or conditional verbs such as “may,” “will,” “should,” “would,”
“could,” and “might” are intended to identify such forward-looking statements.
Readers of this press release of The Western Union Company (the “Company,”
“Western Union,” “we,” “our,” or “us”) should not rely solely on the
forward-looking statements and should consider all uncertainties and risks
discussed in the Risk Factors section of our Annual Report on Form 10-K for
the year ended December 31, 2024 and in our subsequent filings with the
Securities and Exchange Commission. The statements are only as of the date
they are made, and the Company undertakes no obligation to update any
forward-looking statement.
Possible events or factors that could cause results or performance to differ
materially from those expressed in our forward-looking statements include the
following: changes in economic conditions, trade disruptions, or significantly
slower growth or declines in the money transfer, payment service, and other
markets in which we operate; interruptions in migration patterns or other
events, such as public health emergencies, any changes arising as a result of
policy changes in the United States and/or other key markets, civil unrest,
war, terrorism, natural disasters, or non-performance by our banks, lenders,
insurers, or other financial services providers; failure to compete
effectively in the money transfer and payment service industry, including
among other things, with respect to digital, mobile and internet-based
services, card associations, and card-based payment providers, and with
digital currencies, including cryptocurrencies; geopolitical tensions,
political conditions and related actions, including trade restrictions,
tariffs, and government sanctions; deterioration in customer confidence in our
business; failure to maintain our agent network and business relationships;
our ability to adopt new technology; the failure to realize anticipated
financial benefits from mergers, acquisitions and divestitures; decisions to
change our business mix; exposure to foreign exchange rates; changes in tax
laws, or their interpretation, and unfavorable resolution of tax
contingencies; cybersecurity incidents involving any of our systems or those
of our vendors or other third parties; cessation of or defects in various
services provided to us by third-party vendors; our ability to realize the
anticipated benefits from restructuring-related initiatives; our ability to
attract and retain qualified key employees; failure to manage credit and fraud
risks presented by our agents, clients, and consumers; adverse rating actions
by credit rating agencies; our ability to protect our intellectual property
rights, and to defend ourselves against potential intellectual property
infringement claims; material changes in the market value or liquidity of
securities that we hold; restrictions imposed by our debt obligations;
liabilities or loss of business resulting from a failure by us, our agents, or
their subagents to comply with laws and regulations and regulatory or judicial
interpretations thereof; increased costs or loss of business due to regulatory
initiatives and changes in laws, regulations, and industry practices and
standards; developments resulting from governmental investigations and consent
agreements with, or investigations or enforcement actions by, regulators and
other government authorities; liabilities resulting from litigation; failure
to comply with regulations and evolving industry standards regarding data
privacy; failure to comply with consumer protection laws; effects of unclaimed
property laws or their interpretation or the enforcement thereof; failure to
comply with working capital requirements; changes in accounting standards,
rules and interpretations; and other unanticipated events and management’s
ability to identify and manage these and other risks.