Cookie Policy

1. Introduction

GCC Exchange UK Limited ("we", "us", "our") uses cookies and similar technologies on its website and mobile application to improve functionality, security and performance.

GCC Remit is a trading name of GCC Exchange UK Limited.

This policy should be read together with our Privacy Policy.

By continuing to use our website or app, you agree to the use of cookies as described in this policy, unless you disable them through your browser or device settings.

2. What Are Cookies?

Cookies are small text files stored on your device when you visit a website or use an application.

They help us:

• Recognise your device;
• Maintain security;
• Improve functionality;
• Understand website usage;
• Remember preferences.

Cookies do not directly identify you, but they may be linked to personal data we hold about you.

3. Categories of Cookies

A. Strictly Necessary Cookies

Required for:

• Login sessions;
• Account authentication;
• Transaction processing;
• Security controls;
• Fraud prevention.

These cookies cannot be disabled through our cookie management tools.

B. Analytics Cookies

Help us understand:

• Website traffic;
• User behaviour;
• Service performance;
• Error reporting.

Analytics cookies are only used with appropriate consent where required.

C. Functional Cookies

Allow us to remember:

• Language preferences;
• User settings;
• Accessibility preferences;
• Saved preferences.

D. Security Cookies

These cookies are used to protect your account and transactions.

• Detect suspicious activity
• Prevent fraud
• Enable multi-factor authentication (2FA/OTP)
• Secure payment sessions

E. Marketing Cookies

Where enabled, marketing cookies help:

• Measure marketing effectiveness;
• Deliver relevant advertising;
• Improve campaign performance.

Marketing cookies are optional and can be disabled at any time.

4. Third-Party Cookies

We may permit trusted third parties to place cookies on our websites, including:

• Analytics providers;
• Identity verification providers;
• Security service providers;
• Payment service providers.

These parties are required to comply with applicable data protection laws.

We are not responsible for the cookie practices of third-party websites.

5. How We Use Cookies

• Ensure secure and smooth operation of our services
• Authenticate users and protect accounts
• Process money transfer transactions
• Improve system performance and reliability
• Understand user behaviour and improve services
• Comply with legal and regulatory obligations (including FCA and AML requirements)

6. Legal Basis for Cookies (GDPR)

• Legitimate interest- for essential service functionality and security
• Consent - for optional cookies such as marketing and analytics

You can withdraw consent at any time.

7. Managing Cookies

Users may:

• Accept cookies;
• Reject non-essential cookies;
• Withdraw consent at any time;
• Delete cookies through browser settings.

Please note that disabling essential cookies may affect service functionality.

8. Data Collected via Cookies

• IP address
• Device type and operating system
• Browser type
• Session information
• Pages visited and actions taken
• Login status

This information helps us maintain security and improve performance.

9. How Long Cookies Remain

Session Cookies

Deleted when the browser is closed.

Persistent Cookies

Remain until expiry or manual deletion.

Retention periods vary according to purpose.

10. Updates to This Policy

We may update this Cookie Policy from time to time to reflect changes in technology, law, or our services.

Any updates will be posted on our website and/or app with a revised effective date.