• Customers must count their money and collect their transaction receipt before leaving the cashier's counter. GCC Exchange and its employees shall not be held liable for any claims, shortages, or disputes raised thereafter.

• By signing the transaction receipt or authorizing a transaction electronically, the customer confirms that all transaction details provided are correct, lawful, and in compliance with UAE and applicable international regulations. The customer bears full responsibility for any consequences, delays, or charges arising from incorrect, incomplete, or fraudulent information.

• By proceeding with a transaction, the customer expressly waives any applicable statutory cooling-off period and consents to the immediate and irreversible processing of their transaction.

• GCC Exchange reserves the right to request additional identification, documentation, or information at any time, in compliance with the Central Bank of the UAE regulations, international regulatory requirements, and/or the policies of beneficiary banks and financial institutions. Failure to provide requested documents may result in transaction delay, cancellation, or reporting to authorities.

• Transactions may be routed via intermediary, correspondent, or beneficiary banks/financial institutions. GCC Exchange holds no liability for delays, deductions, rejections, or cancellations arising from actions of these intermediaries or regulatory bodies in the UAE or destination country. Any applicable intermediary or beneficiary bank charges will be deducted from the principal transaction amount.

• For transactions processed through third-party service providers (e.g., Western Union, Ria, Instant Cash), the customer agrees to be bound by the terms and conditions of the respective provider, which are available on their official websites.

• The customer consents to receive promotional, transactional, and service-related messages via SMS, email, or other communication channels from GCC Exchange or its authorized service partners. Customers may opt out by contacting Customer Care at 600 522 049.

• Transaction amendments, cancellations, or refunds requested by the customer are processed on a best-effort basis and subject to applicable charges and prevailing exchange rates.
• Refunds will be made in UAE Dirhams () at either the original transaction rate or GCC Exchange's prevailing buying rate on the refund date, whichever is lower, after deducting applicable transaction charges, intermediary fees, and other expenses.
• Cancellation requests will only be entertained if the transaction has not been processed to the beneficiary and funds can be recalled from the intermediary/correspondent bank.
• For any cancellation or refund request, the customer must present the original receipt; if the receipt has been misplaced, the customer is required to provide a written acknowledgment to the Branch Manager confirming the loss of the receipt.
• In all cases, the original and valid identification document of the customer is mandatory for initiating cancellation.

• Currencies once exchanged may only be repurchased or refunded via a new transaction at GCC Exchange's prevailing buying/selling rate at the time of the repurchase.

• Customers may lodge any transaction-related complaint within 14 days from the date of the transaction. GCC Exchange will issue an acknowledgment within 2 business days and endeavour to resolve the issue within 10 business days.

GCC Exchange shall not be liable for delays, non-processing, cancellations, or rejections due to circumstances beyond its control, including but not limited to:

• Actions or omissions by correspondent/intermediary banks or service providers.
• Regulatory restrictions or compliance requirements.
• Political events, sanctions, or force majeure.
• Errors or omissions in the transaction information provided by the customer.

GCC Exchange's total liability in any event shall not exceed the amount received for the transaction, excluding fees.

• The customer agrees to indemnify and hold harmless GCC Exchange, its affiliates, and employees against any losses, liabilities, damages, costs, or claims arising out of the customer's breach of these Terms, provision of incorrect or unlawful transaction information, or involvement in illegal transactions including money laundering, terrorist financing, or dealings with sanctioned individuals/entities.

By using GCC Exchange's services, the customer consents to the collection, use, storage, and disclosure of their personal and transaction data:

• For processing transactions and regulatory compliance.
• For record-keeping and audit purposes as per UAE laws.
• To intermediary banks, correspondent institutions, regulatory bodies, and authorized third parties when required

All personal data will be handled in accordance with UAE Data Protection laws and GCC Exchange's Privacy Policy.

• Any unauthorized or suspicious transaction must be reported within 30 calendar days from the date of transaction awareness. Failure to report within this period releases GCC Exchange from any liability.

• These Terms & Conditions are governed by and construed in accordance with the laws of the United Arab Emirates and the regulations of the Central Bank of the UAE. Any disputes arising shall be subject to the exclusive jurisdiction of UAE courts.