Cookie Policy

1. Introduction

This Cookie Policy explains how cookies and similar technologies may be used when this website is accessed. The website provides informational content about financial discipline in daily household life and may be used without registration or account creation. Cookies are small text files that may be stored on the user’s device when a page is opened in a browser. The use of cookies follows general data protection principles applied in Singapore, including the Personal Data Protection Act 2012 (PDPA), and is limited to purposes necessary for normal operation of the website. This policy describes what types of cookies may be used, why they are used, and how the user may control them.

2. What Cookies Are

Cookies are small files stored on a computer, tablet, or mobile device when a website is visited. These files may contain technical information related to the browsing session. Cookies allow the website to remember basic settings, maintain stable page display, and support normal technical functions. Cookies used on this website do not contain financial information and are not used to identify the user personally unless the user voluntarily provides data through the contact form.

3. Types of Cookies Used

The website may use a limited number of cookies required for basic operation.

Functional cookies may be used to maintain normal page display, remember language settings, or keep technical preferences during a browsing session.
Session cookies may be stored temporarily and are usually removed when the browser is closed.
Analytics cookies may be used to collect general statistical information about how pages are opened, such as number of visits or device type. This information is used only to understand general site usage and does not identify individual users.

The website does not use cookies for personalised advertising, profiling, or marketing activity.

4. Purpose of Cookie Use

Cookies are used only for technical and informational purposes necessary for the operation of the website. These purposes may include keeping pages stable, ensuring that navigation works correctly, preventing misuse of forms, and collecting general statistics about visits. Cookies help maintain consistent display of content without requiring the user to enter personal data. The website does not use cookies to create behavioural profiles and does not combine cookie data with personal data for advertising purposes.

5. Cookies and Personal Data

In most cases, cookies used on this website do not directly identify the user. When technical data collected through cookies can be linked to personal data provided in the contact form, such processing is limited to communication and technical administration. Handling of personal data follows the principles described in the Privacy Policy and is carried out in accordance with the Personal Data Protection Act 2012 (PDPA). Only the minimum amount of data necessary for normal website operation is used.

6. Storage Duration

Some cookies are temporary and remain on the device only during the browsing session. Other cookies may remain for a longer period when required for technical reasons, such as keeping basic settings or ensuring proper loading of pages. The duration of storage depends on the type of cookie and browser settings. Cookies are not stored longer than necessary for the purposes described in this policy.

7. Managing Cookies

Most web browsers allow the user to control cookie settings. Cookies may be accepted, limited, or removed through browser preferences. Disabling cookies may affect the way some pages are displayed, but the informational content of the website can still be viewed. Instructions for managing cookies can usually be found in the browser help section. The website does not require cookies that are not necessary for basic operation.

8. Third-Party Services

The website may use technical services such as hosting or basic analytics tools that place cookies required for normal operation of the pages. These services process information only for technical purposes related to the functioning of the site. Third-party providers are expected to keep information confidential and use it only for maintaining the service. No third-party cookies are used for advertising or personalised tracking.

9. Updates to This Policy

This Cookie Policy may be updated when changes are made to the structure of the website or when it is necessary to reflect legal requirements in Singapore. The current version will always be available on this page with the updated date. Continued use of the website means that the user has read the current version of the policy.

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