Cookie Policy and Data Processing
This policy explains how we use cookies and similar technologies to enhance your experience with our financial planning services.
Last Updated: August 2, 2025
Understanding Cookies
Cookies are small text files stored on your device that help us provide personalized financial planning tools and improve our service delivery.
These files contain information about your preferences and help us remember your settings during consultations and analytical reviews.
Our Cookie Usage
We use cookies for several important purposes related to our financial planning services
- Maintaining secure access to your consultation dashboard and subscription services
- Personalizing your financial planning experience based on your stated preferences
- Analyzing website performance to improve our consultation delivery methods
- Ensuring compliance with Malaysian data protection and financial services regulations
Cookie Categories
Essential Service Cookies
Required for basic website functionality, secure login access, and consultation service delivery. These cannot be disabled without affecting core services.
Functionality Enhancement Cookies
Enable personalized features like consultation preferences, dashboard customization, and analytical tool settings based on your individual requirements.
Performance Analytics Cookies
Help us understand how clients use our services to improve consultation processes, analytical tools, and overall service delivery effectiveness.
Communication Cookies
Enable targeted communication about relevant financial planning services and consultation opportunities based on your expressed interests and subscription preferences.
Third-Party Service Cookies
We may use cookies from trusted third-party services to enhance our analytical capabilities and consultation tools.
These services operate under their own privacy policies and cookie management systems.
Your Privacy Rights and Choices
We respect your privacy rights under applicable data protection regulations, including Malaysian Personal Data Protection Act and international standards.
European Data Protection Rights
If you are located in the European Union, you have additional rights regarding cookie usage and data processing.
- Access and review all cookies and data we have collected about you
- Request deletion of non-essential cookies and associated personal data
- Object to certain types of cookie-based processing for analytical or marketing purposes
California Privacy Rights
California residents have specific rights regarding cookie data under the California Consumer Privacy Act.
- Know what cookie information is collected and how it is used or shared
- Delete personal information collected through cookies, subject to certain exceptions
- Opt-out of the sale of personal information collected via cookies to third parties
Brazilian Data Protection Rights
Under Brazil's Lei Geral de Proteção de Dados, you have rights regarding cookie usage and data processing.
- Confirmation of cookie data processing and access to your information
- Correction of incomplete or inaccurate cookie-related data
- Deletion of unnecessary or excessive cookie data under applicable circumstances
Managing Your Cookie Preferences
You have several options for controlling cookie usage on our website
Browser-Based Controls
Most web browsers allow you to manage cookies through their settings, including blocking or deleting cookies from specific websites.
Our Preference Center
Use our cookie preference center to customize which types of cookies you allow while maintaining access to our core consultation services.
Third-Party Opt-Out Tools
Various industry tools allow you to opt-out of analytics and marketing cookies across multiple websites simultaneously.
Cookie Retention Periods
Different types of cookies have varying lifespans based on their function
- Session Cookies: Expire when you close your browser or end your consultation session
- Persistent Cookies: Remain active for up to 2 years or until manually deleted, helping maintain your preferences
Policy Updates
We may update this cookie policy periodically to reflect changes in our services, technology, or applicable regulations. Active subscribers will be notified of significant changes.
Cookie Policy Questions
For questions about our cookie usage or to exercise your privacy rights, please contact us using the information below.