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Last Updated: June 11, 2024

1. Introduction

At SendMoney360.com ("we," "us," or "our"), we are committed to protecting your privacy and ensuring transparency in how we collect, use, and manage data on our global money transfer platform. This Cookie Policy explains how we use cookies and similar technologies on our website, sendmoney360.com, to enhance your user experience, provide essential services, and comply with applicable international privacy laws and frameworks, including but not limited to the General Data Protection Regulation (GDPR) in the European Union, the ePrivacy Directive, the California Consumer Privacy Act (CCPA), and Canada’s Personal Information Protection and Electronic Documents Act (PIPEDA).

Cookies are small text files placed on your device to enable functionality, improve performance, and deliver personalized services. This policy outlines what cookies are, how we use them, the types of cookies on our website, your choices regarding cookies, and how you can manage your preferences. By using our website, you acknowledge that cookies may be used as described in this policy, subject to your consent where required by law.

This Cookie Policy forms part of our broader Privacy Policy, which provides additional details about how we process personal data. We encourage you to read both documents to understand our data practices fully. If you have any questions, please contact us using the details provided in Section 12 below.


2. What Are Cookies?

Cookies are small data files stored on your device (e.g., computer, smartphone, or tablet) when you visit a website. They enable websites to "remember" your actions, preferences, or login information over time, improving functionality and user experience. Cookies may also collect information about your browsing behavior, such as pages visited or links clicked, to support analytics or targeted advertising.

Cookies can be categorized based on their source, duration, or purpose:

  • First-Party Cookies: Set directly by SendMoney360.com to enable core website functions, such as user authentication or saving your preferences.
  • Third-Party Cookies: Set by external services or partners (e.g., Google Analytics, Meta Pixel) for purposes like analytics or advertising.
  • Session Cookies: Temporary cookies that expire when you close your browser, used for tasks like maintaining your login session.
  • Persistent Cookies: Remain on your device for a set period (e.g., days, months, or years) to remember your preferences or track behavior across visits.
  • Secure Cookies: Transmitted over encrypted connections (HTTPS) to enhance security, often used for sensitive data like login credentials.
  • HttpOnly Cookies: Inaccessible to JavaScript, reducing the risk of cross-site scripting (XSS) attacks.

In addition to cookies, we may use similar technologies, such as:

  • Web Beacons: Small pixel tags embedded in webpages or emails to track user activity, such as page views or email opens.
  • Local Storage: Stores data in your browser for longer-term use, often for site preferences or performance optimization.
  • Tracking Pixels: Used by third-party services to monitor user interactions for advertising or analytics purposes.

These technologies operate similarly to cookies and are subject to the same privacy protections outlined in this policy.


3. How We Use Cookies

We use cookies to provide a secure, efficient, and personalized experience on SendMoney360.com. Our cookies serve the following purposes:

  • Essential Cookies: Enable core website functionality, such as user authentication, secure transactions, and navigation. These cookies are necessary for the website to operate and cannot be disabled.
  • Performance Cookies: Collect anonymized data about how users interact with our website (e.g., page load times, error rates) to optimize performance and improve user experience.
  • Analytics Cookies: Help us understand user behavior, such as which pages are most visited or how users arrive at our site, to enhance our services and content.
  • Advertising Cookies: Support personalized advertising by tracking user interests across websites, ensuring ads are relevant to your preferences.
  • Security Cookies: Protect against fraudulent activities, such as detecting unauthorized access or ensuring secure payment processing.
  • Preference Cookies: Remember your settings, such as language or currency preferences, to provide a tailored experience.

We ensure that all cookies are used in compliance with applicable laws and that non-essential cookies are only deployed with your consent where required.


4. Types of Cookies Used on SendMoney360.com

Below is a detailed list of the cookies used on SendMoney360.com, categorized by type and purpose:

Category Cookie Name Purpose Type Duration Source
Essential session_id Maintains user session for secure navigation and transaction processing. First-Party Session SendMoney360
Essential auth_token Verifies user identity for secure access to account features. First-Party 24 hours SendMoney360
Performance _cf_bm Monitors website performance and protects against bots (Cloudflare). Third-Party 30 minutes Cloudflare
Analytics _ga Tracks user interactions for Google Analytics (anonymized data). Third-Party 2 years Google Analytics
Analytics _gid Generates statistical data on website usage for Google Analytics. Third-Party 24 hours Google Analytics
Advertising fr Enables targeted advertising via Meta Pixel. Third-Party 3 months Meta
Preference lang_pref Stores user’s language preference for a customized experience. First-Party 1 year SendMoney360
Security csrf_token Prevents cross-site request forgery (CSRF) attacks during transactions. First-Party Session SendMoney360

We regularly review and update our cookie inventory to ensure accuracy and compliance with privacy regulations.


5. Third-Party Cookies

SendMoney360.com partners with trusted third-party services to enhance functionality, analyze performance, and deliver relevant advertising. These services may place third-party cookies on your device, subject to your consent where required. Below is a list of key third-party services we use:

  • Google Analytics: Provides anonymized data on website usage, such as visitor counts and traffic sources, to improve our services. Google’s privacy practices are available at policies.google.com/privacy.
  • Meta Pixel: Supports targeted advertising by tracking user interactions, enabling us to display relevant ads on Meta platforms (e.g., Facebook, Instagram). Learn more at facebook.com/privacy/policy.
  • Cloudflare: Enhances website security and performance, using cookies to detect bots and optimize content delivery. See Cloudflare’s privacy policy at cloudflare.com/privacypolicy.
  • Hotjar: Analyzes user behavior (e.g., heatmaps, session recordings) to improve website usability. Hotjar’s privacy details are at hotjar.com/legal/policies/privacy.

Third-party cookies are governed by the respective providers’ privacy policies. We ensure that all third-party partners comply with applicable privacy laws, including GDPR and CCPA, and provide mechanisms for you to manage or opt out of their cookies.


6. Your Cookie Choices and Controls

We respect your right to control how cookies are used on SendMoney360.com. You can manage your cookie preferences through the following options:

  • Consent Banner: Upon visiting our website, you will see a cookie consent banner that allows you to accept all cookies, reject non-essential cookies, or customize your preferences via our Cookie Preference Center.
  • Cookie Preference Center: Accessible via the “Manage Cookies” link in the website footer, this tool lets you enable or disable specific cookie categories (e.g., analytics, advertising) and save your choices.
  • Browser Settings: You can configure your browser to block or delete cookies (see Section 7 below for instructions). Note that disabling essential cookies may impact website functionality.
  • Opt-Out Tools: For third-party advertising cookies, you can opt out using industry-standard tools like the Network Advertising Initiative (NAI) at optout.networkadvertising.org or the Digital Advertising Alliance (DAA) at optout.aboutads.info.

Under GDPR, you have the right to withdraw consent for non-essential cookies at any time. Changes to your preferences will take effect immediately but may not apply to cookies already placed until they expire or are deleted.

For CCPA compliance, California residents may opt out of the “sale” or “sharing” of personal information (e.g., via advertising cookies) by selecting “Do Not Sell My Personal Information” in our Cookie Preference Center.


7. How to Disable or Delete Cookies

You can disable or delete cookies through your browser settings. Below are step-by-step instructions for popular browsers:

Google Chrome:

  1. Click the three-dot menu in the top-right corner.
  2. Select Settings > Privacy and security > Cookies and other site data.
  3. Choose Block third-party cookies or Block all cookies (note: blocking all cookies may affect website functionality).
  4. To delete existing cookies, click See all cookies and site data, search for “sendmoney360.com,” and select Remove.

Safari:

  1. On macOS, go to Safari > Preferences > Privacy.
  2. Select Block all cookies or uncheck Prevent cross-site tracking to manage third-party cookies.
  3. To delete cookies, click Manage Website Data, search for “sendmoney360.com,” and click Remove.
  4. On iOS, go to Settings > Safari > Block All Cookies or Clear History and Website Data.

Mozilla Firefox:

  1. Click the three-line menu** in the top-right corner.
  2. Select Settings > Privacy & Security.
  3. Under Cookies and Site Data, choose Block cookies and site data and select your preferred level (e.g., third-party cookies only).
  4. To delete cookies, click Manage Data, find “sendmoney360.com,” and click Remove Selected.

Microsoft Edge:

  1. Click the three-dot menu in the top-right corner.
  2. Select Settings > Cookies and site permissions > Cookies and data stored.
  3. Select Block third-party cookies or Manage and delete cookies and site data.
  4. To delete cookies, click See all cookies, cookies and site data, search for “sendmoney360.com,” and click Remove.

Please note that disabling cookies may limit access to certain features, such as secure transactions or personalized settings. You may need to adjust settings for each device and browser you use.


8. Legal Basis for Processing Cookies

Our use of cookies complies with applicable privacy laws. The legal basis for processing cookies depends on the cookie type and jurisdiction:

  • Essential Cookies: Processed based on our legitimate interest (GDPR Article 6(1)(f)) to ensure the website functionality and security, as they are necessary for providing our services.
  • Non-Essential Cookies (e.g., analytics, advertising): Processed based on your explicit consent (GDPR Article 6(1)(a)), obtained through our cookie consent banner or Cookie Preference Center. You can withdraw consent at any time.
  • CCPA Compliance: We provide California residents with the right to opt-out out of data sharing for advertising purposes, as described in Section 6.
  • PIPEDA Compliance: We ensure cookies are used transparently, with appropriate consent where required, and provide users with options to manage their data.

We retain cookie data only for as long as necessary to fulfill the purposes outlined in this policy, in line with applicable retention periods under relevant laws.


9. Children’s Privacy and Cookies

SendMoney360.com is not directed at individuals under the age of 18, and we do not knowingly collect personal data, including via cookies, from children. If we become aware that a child has provided personal information, we will delete it in accordance with applicable laws, such as the Children’s Online Privacy Protection Act (COPPA) in the U.S. Parents or guardians who believe their child may have interacted with our website are encouraged to contact us immediately (see Section 12).


10. Changes to This Cookie Policy

We may update this Cookie Policy periodically to reflect changes in our practices, technologies, or legal requirements. Any updates will be posted on this page with a revised “Last Updated” date. Significant changes will be communicated via email or a prominent notice on our website, where required by law.

Version History:

  • June 11, 2024: Initial publication of the Cookie Policy.
  • Future versions will be logged here with summaries of changes.

We encourage you to review this policy regularly to stay informed about our use of cookies.


11. Contact Information

If you have questions, concerns, or requests regarding this Cookie Policy or our use of cookies, please contact our Data Protection Officer:

  • Email: privacy@sendmoney360.com
  • Mailing Address: SendMoney360, 123 Global Street, Suite 456, London, UK, EC2N 1AR
  • Phone: +44 20 1234 5678

For GDPR-related inquiries, you may also have the right to lodge a complaint with your local data protection authority. In the EU, a list of supervisory authorities is available at edpb.europa.eu.


12. Consent Banner and Preference Center

To ensure transparency and compliance, we use a cookie consent banner and a Cookie Preference Center to manage user preferences:

  • Consent Banner: Displayed on your first visit or after clearing cookies, the banner provides options to accept all cookies, reject non-essential cookies, or customize settings. Consent is recorded and can be revisited at any time.
  • Cookie Preference Center: Accessible via the website footer, this tool provides detailed information about each cookie category and allows you to toggle non-essential cookies on or off. Changes are saved and applied across

We may use cookies or any other tracking technologies when you visit our website, including any other media form, mobile website, or mobile application related or connected to help customize the Site and improve your experience. learn more

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