Home-Privacy Policy
United Exchange

1. Introduction
United Exchange Ltd (“United Exchange”, “we”, “us”, or “our”) uses cookies and similar technologies on our website to improve user experience, support security functions, and meet regulatory obligations.
This Cookies Policy explains:

  • what cookies are
  • how and why, we use them
  • how you can control them

This policy is written in accordance with UK GDPR and the Privacy and Electronic Communications Regulations (PECR) and is intended to provide transparency while also ensuring that United Exchange Ltd and its officers are not exposed to unnecessary legal risk.
Nothing in this policy imposes a higher standard on us than what is required by law.


2. What Are Cookies?
Cookies are small text files placed on your device (computer, phone, tablet) when you visit our website. They allow us to recognise your device, improve functionality, and enhance your browsing experience.
Cookies do not give us access to your computer or any personal information beyond what you choose to share.
Some cookies are essential to the operation of the website; without them, key functions may not work properly.


3. Types of Cookies We Use
We use the following categories of cookies. The exact cookies may vary over time as we improve our website or change service providers.
3.1 Strictly Necessary Cookies
These cookies are essential for:

  • basic website functions
  • security and fraud prevention
  • regulatory requirements (e.g., AML-related security checks)
  • session continuity

These cookies do not require your consent.
3.2 Performance & Analytics Cookies
Used to understand website usage such as:

  • pages visited
  • time spent on the website
  • technical performance

We may use tools such as Google Analytics or similar providers.
Where third-party cookies are used, we take reasonable steps to ensure compliance but cannot guarantee their internal practices, which remain under the control of the third party.
3.3 Functional Cookies
These remember:

  • your preferences
  • language settings
  • user experience improvements

These help the website function smoothly for returning visitors.
3.4 Targeting or Advertising Cookies
At present, United Exchange Ltd does not intentionally use advertising cookies, and we do not sell your data to marketing companies.
If this changes in the future, this policy will be updated, and appropriate consent will be required.


4. Third-Party Cookies
Some cookies may originate from third-party service providers involved in:

  • website hosting
  • analytics
  • security monitoring
  • form submissions
  • embedded maps or videos

We do not control these cookies directly; however, we take reasonable measures to ensure that our partners use them appropriately.
United Exchange Ltd cannot accept liability for independent changes made by third-party providers outside of our reasonable control.


5. How We Use Cookies
We use cookies to support:

  • security controls
  • website performance
  • regulatory requirements
  • fraud prevention
  • session management
  • analytics to improve customer experience

Cookies help ensure that the website operates effectively, especially for customers accessing information about remittance services.


6. Legal Basis for Using Cookies
Our use of cookies relies on:
6.1 Consent
For non-essential cookies (analytics, functional, advertising), we obtain consent via a cookie banner where required.
6.2 Legitimate Interests
Certain cookies are used to ensure:

  • security
  • fraud prevention
  • regulatory compliance
  • website functioning

These are applied only where proportionate and necessary.


7. Managing Cookies
You have control over cookies and may:

  • Accept or decline non-essential cookies
  • Adjust browser settings
  • Delete cookies at any time

Most browsers allow you to block cookies entirely, but doing so may affect site performance or prevent certain features from working.
Below are links to manage cookies in common browsers:

  • Chrome: Settings > Privacy > Cookies
  • Safari: Preferences > Privacy
  • Firefox: Preferences > Privacy & Security
  • Edge: Settings > Cookies & site permissions

8. Cookies Used by Payment and Security Providers
Because we are an FCA/HMRC-regulated MSB, some cookies may be used to:

  • detect suspicious activity
  • prevent fraud
  • enhance authentication
  • support session integrity

These cookies are necessary for legal compliance and may not be disabled.


9. Updates to This Cookies Policy
We may update this Cookies Policy from time to time to reflect:

  • legal changes
  • regulatory requirements
  • third-party service updates
  • website improvements

The updated version will always be available on our website.


10. Contact Us
If you have any questions about our Cookies Policy, please contact:
United Exchange Ltd – Compliance Department
149 Cheetham Hill Road, Manchester, M8 8LY
Email: info@unitedexchangeltd.co.uk
Tel: 0161 566 7083
Attention: MLRO – Abdul Musawer Zahedi