Cookie Policy

Last updated: December 15, 2024

1. Introduction

This Cookie Policy explains how TitulMogli Financial Planning ("we," "our," or "us") uses cookies and similar technologies when you visit our website titulmogli.com ("Website"). This policy should be read together with our Privacy Policy.

2. What Are Cookies?

Cookies are small text files that are stored on your device when you visit our Website. They help us provide you with a better browsing experience by remembering your preferences and understanding how you use our Website.

2.1 Types of Cookies

• Session Cookies: Temporary cookies that are deleted when you close your browser
• Persistent Cookies: Remain on your device for a specified period or until manually deleted
• First-Party Cookies: Set directly by our Website
• Third-Party Cookies: Set by external services we use

3. How We Use Cookies

3.1 Essential Cookies

These cookies are necessary for our Website to function properly and cannot be disabled.

3.2 Performance and Analytics Cookies

These cookies help us understand how visitors interact with our Website by collecting anonymous information.

3.3 Functional Cookies

These cookies enhance your experience by remembering your preferences and settings.

3.4 Marketing and Advertising Cookies

These cookies are used to deliver relevant advertisements and track marketing campaign effectiveness.

4. Third-Party Services

Our Website uses several third-party services that may set their own cookies:

4.1 Google Analytics

• Provides website traffic and user behavior analytics
• Helps us improve our Website performance
• Data is anonymized and aggregated
• Privacy Policy: Google Privacy Policy

4.2 Google Ads

• Tracks conversions from our advertising campaigns
• Enables remarketing to previous visitors
• Helps optimize our advertising effectiveness

4.3 Social Media Platforms

• Facebook Pixel for advertising and analytics
• LinkedIn Insight Tag for professional targeting
• Social media sharing buttons

5. Managing Your Cookie Preferences

5.1 Cookie Consent Banner

When you first visit our Website, you'll see a cookie consent banner with options to:

• Accept All: Allow all cookies including marketing
• Necessary Only: Accept only essential cookies
• Customize Settings: Choose specific cookie categories

5.2 Browser Settings

You can manage cookies through your browser settings:

• Chrome: Settings > Privacy and Security > Cookies
• Firefox: Options > Privacy & Security > Cookies
• Safari: Preferences > Privacy > Cookies
• Edge: Settings > Cookies and Site Permissions

5.3 Opt-Out Tools

You can opt out of specific tracking services:

• Google Analytics Opt-out
• Facebook Ad Preferences
• Digital Advertising Alliance Opt-out

6. Impact of Disabling Cookies

Disabling certain cookies may affect your experience on our Website:

6.1 Essential Cookies

• Website may not function properly
• Security features may be compromised
• Forms may not work correctly

6.2 Analytics Cookies

• We cannot improve Website performance
• Less personalized experience
• Unable to track user journey for optimization

6.3 Marketing Cookies

• Less relevant advertising
• May see more generic ads
• Cannot measure campaign effectiveness

7. Mobile App Cookies

If we develop mobile applications in the future, similar technologies may be used:

• Device identifiers
• Local storage
• Push notification tokens
• App usage analytics

8. Data Security

We implement appropriate security measures to protect cookie data:

• Secure transmission using HTTPS
• Encryption of sensitive information
• Regular security assessments
• Access controls and monitoring

9. Data Retention

Cookie data is retained for different periods:

• Session cookies: Deleted when browser is closed
• Analytics cookies: Up to 26 months
• Marketing cookies: Up to 13 months
• Functional cookies: Up to 12 months

10. International Data Transfers

Some cookies may transfer data internationally:

• We ensure appropriate safeguards are in place
• Data may be processed in countries with different privacy laws
• We comply with applicable data protection regulations

11. Children's Privacy

Our Website is not intended for children under 18:

• We do not knowingly collect data from children
• Parents should monitor their children's internet usage
• Contact us if you believe we have collected data from a child

12. Updates to This Policy

We may update this Cookie Policy to reflect:

• Changes in our cookie usage
• New legal requirements
• Technology updates
• Business changes

We will notify you of significant changes through:

• Website banner notifications
• Email communications
• Updated "last modified" date

13. Your Rights

Under Singapore's Personal Data Protection Act (PDPA), you have rights regarding your data:

• Right to access your personal data
• Right to correct inaccurate data
• Right to withdraw consent
• Right to data portability

14. Contact Information

If you have questions about our use of cookies, please contact us: