Cookie Policy

1. General Information

This Cookie Policy explains how cookies and similar technologies may be used when visiting the website. The site provides informational content related to general concepts of personal finance in everyday life in Singapore. Cookies are used only for technical operation of the website and for maintaining normal page functionality.

Use of the website is possible without registration and without providing personal data. Cookies are not used to create user accounts, personalised profiles, or behavioural tracking. When cookies contain information that may be considered personal data, such processing is carried out in accordance with the Personal Data Protection Act 2012 of Singapore.

2. What Are Cookies

Cookies are small text files stored in the browser when a page is opened. They help the website remember technical settings such as language preferences, page display parameters, and session information. Cookies do not normally contain information that directly identifies a person.

Cookies may be stored for a limited time depending on their purpose. Some cookies are removed automatically after the browser is closed, while others may remain for a longer period to maintain consistent page behaviour.

3. Types of Cookies Used

The website may use the following types of cookies:

- Functional cookies — required for correct operation of pages and navigation
- Session cookies — used during a single visit and removed after closing the browser
- Analytical cookies — used to collect general statistics about page usage
- Preference cookies — used to remember basic display settings

These cookies are used only for technical and statistical purposes. They are not used for advertising profiling or personalised marketing.

4. Purpose of Using Cookies

Cookies are used only for the following purposes:

- maintaining stable operation of the website
- ensuring correct loading of pages
- remembering basic user settings
- collecting anonymous statistical information about visits

The collected data is used only in aggregated form. The website does not use cookies to identify individual visitors.

5. Cookies and Personal Data

In some cases, technical data collected through cookies may be considered personal data if it can be linked to a specific person. When this occurs, such data is handled in accordance with the Personal Data Protection Act 2012.

The website applies the principles of transparency, purpose limitation, and data minimisation. Cookies are used only when necessary for the operation of the site or for basic statistical analysis.

The site does not use cookies for automated decision-making, profiling, or personalised advertising.

6. Managing Cookies

Most web browsers allow cookies to be controlled through browser settings. A user may choose to block cookies, delete stored cookies, or limit their use.

Disabling cookies may affect the correct display of some pages because certain functions depend on technical cookies. The website does not require cookies for access to informational content, but some settings may not be saved when cookies are disabled.

Instructions for managing cookies are available in the help section of the browser used.

7. Third-Party Cookies

The website may use technical services provided by external hosting or analytics providers. These services may place limited cookies required for basic statistics or technical monitoring.

Such cookies are used only to maintain the operation of the website and to understand general usage patterns. They are not used for advertising, remarketing, or cross-site tracking.

External providers process data only to the extent necessary for technical operation of the website.

8. Storage Duration

Cookies are stored for different periods depending on their type. Session cookies are removed after the browser is closed. Other cookies may remain for a limited period to keep technical settings.

Stored information is not kept longer than necessary for the purpose for which the cookie was created.

9. Changes to This Policy

This Cookie Policy may be updated when the structure of the website changes or when legal requirements in Singapore are revised. The updated version is published on this page with the new date.

Continued use of the website means reading the current version of the policy.

For more information, please use the contact details provided above.