Cookie Policy

1. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners about user behavior and preferences.

1.1 Types of Cookies

• Session Cookies: Temporary cookies that are deleted when you close your browser
• Persistent Cookies: Cookies that remain on your device for a specified period or until manually deleted
• First-Party Cookies: Cookies set directly by our website
• Third-Party Cookies: Cookies set by external services we use (analytics, advertising, etc.)

2. How We Use Cookies

We use cookies for various purposes to enhance your experience on our website and to help us understand how our services are being used. Our cookie usage is designed to comply with Singapore's Personal Data Protection Act (PDPA) and international best practices.

3. Categories of Cookies We Use

3.1 Essential Cookies (Always Active)

Purpose:

• Maintaining your session while browsing
• Remembering your cookie preferences
• Ensuring website security
• Enabling basic website functionality
• Loading balancing and performance optimization

Examples of Essential Cookies:

• hentebromo_session - Maintains your session
• cookie_consent - Remembers your cookie preferences
• csrf_token - Security token for form submissions

3.2 Analytics Cookies (Requires Consent)

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously. We use this data to improve our website and educational content.

Purpose:

• Analyzing website traffic and user behavior
• Understanding which content is most popular
• Identifying technical issues and improving performance
• Measuring the effectiveness of our educational programs
• Optimizing user experience and navigation

Third-Party Analytics Services:

• Google Analytics: Website traffic analysis (anonymized IP addresses)
• Hotjar: User behavior analysis and heatmaps (when consent is given)

3.3 Marketing Cookies (Requires Consent)

These cookies are used to deliver relevant advertisements and track the effectiveness of our marketing campaigns. They help us show you content that is more relevant to your interests.

Purpose:

• Displaying relevant financial education content
• Measuring advertising campaign effectiveness
• Retargeting visitors with relevant course offerings
• Personalizing content based on interests

Third-Party Marketing Services:

• Facebook Pixel: Social media advertising and retargeting
• Google Ads: Search and display advertising
• LinkedIn Insight Tag: Professional platform advertising

4. Cookie Management and Your Choices

4.1 Cookie Consent Banner

When you first visit our website, you'll see a cookie consent banner offering three options:

• Accept All: Enables all cookies for the best user experience
• Necessary Only: Only essential cookies are enabled
• Custom Settings: Choose which categories of cookies to enable

4.2 Managing Cookie Preferences

You can change your cookie preferences at any time by:

• Clicking the cookie settings link in our website footer
• Using your browser's cookie management tools
• Contacting us directly at [email protected]

4.3 Browser Settings

Most web browsers allow you to control cookies through their settings. You can:

• Block all cookies
• Block third-party cookies only
• Delete cookies when you close your browser
• Set notifications when cookies are being sent

5. Specific Cookie Details

5.1 Essential Cookies

Cookie Name	Purpose	Duration
hentebromo_session	Maintains user session	Session
hentebromo_cookie_settings	Stores cookie preferences	1 year
csrf_token	Security protection	Session

5.2 Analytics Cookies (Third-Party)

Service	Cookie Examples	Duration
Google Analytics	_ga, _ga_*, _gid	2 years / 24 hours
Hotjar	_hjSessionUser_*, _hjSession_*	1 year / 30 minutes

6. Data Protection and Privacy

6.1 PDPA Compliance

Our use of cookies complies with Singapore's Personal Data Protection Act (PDPA). We ensure that:

• Consent is obtained before setting non-essential cookies
• Users can withdraw consent at any time
• Cookie data is processed lawfully and transparently
• Data is only used for stated purposes
• Appropriate security measures are in place

6.2 Data Security

We implement appropriate technical and organizational measures to protect cookie data:

• Secure transmission protocols (HTTPS)
• Regular security audits of third-party services
• Limited access to cookie data on a need-to-know basis
• Regular review and update of cookie practices

7. Third-Party Cookie Policies

We use several third-party services that may set their own cookies. We recommend reviewing their cookie policies:

• Google Analytics: Google Cookie Policy
• Facebook: Facebook Cookie Policy
• LinkedIn: LinkedIn Cookie Policy
• Hotjar: Hotjar Cookie Information

8. Updates to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in:

• Our cookie practices
• Legal requirements
• Third-party services we use
• User feedback and best practices

When we make significant changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify users via email or website banner
• Request renewed consent where required by law

9. Your Rights and Contact Information

9.1 Your Rights

Under Singapore's PDPA, you have the right to:

• Access information about our cookie usage
• Withdraw consent for non-essential cookies
• Request correction of inaccurate data
• Lodge a complaint with the PDPC if you believe we've mishandled your data

9.2 Contact Us

10. Cookie Settings Management

You can manage your cookie preferences at any time using the options below: