Cookie Policy

1. What Are Cookies

Cookies are small text files that are placed on your computer or mobile device when you visit our website. They are widely used to make websites work more efficiently and to provide information to website owners.

This Cookie Policy explains how Preteimmac Financial Management Pte Ltd ("we", "our", or "us") uses cookies and similar technologies on our website at preteimmac.com.

2. Types of Cookies We Use

2.1 Necessary Cookies

These cookies are essential for the proper functioning of our website and cannot be disabled. They include:

• Session cookies: Maintain your session while browsing
• Security cookies: Protect against cross-site request forgery
• Load balancing cookies: Distribute website traffic efficiently
• Cookie consent cookies: Remember your cookie preferences

2.2 Analytics Cookies

These cookies help us understand how visitors interact with our website:

• Google Analytics: Track page views, user behavior, and website performance
• Heatmap tools: Understand user interaction patterns
• Performance monitoring: Identify and fix technical issues

2.3 Marketing Cookies

These cookies are used to deliver relevant advertisements and marketing content:

• Social media cookies: Enable social sharing functionality
• Advertising cookies: Track the effectiveness of our marketing campaigns
• Remarketing cookies: Show relevant ads to previous website visitors

2.4 Preference Cookies

These cookies remember your choices and preferences:

• Language preferences: Remember your preferred language
• Display settings: Remember your theme or layout preferences
• Form data: Remember information you've entered in forms

3. How We Use Cookies

We use cookies for the following purposes:

• Website functionality: Ensure our website works properly and securely
• User experience: Remember your preferences and provide personalized content
• Analytics: Understand website usage patterns and improve our services
• Security: Protect against fraudulent activity and unauthorized access
• Marketing: Deliver relevant content and measure campaign effectiveness

4. Third-Party Cookies

Some cookies on our website are set by third-party services:

4.1 Google Services

• Google Analytics: Web analytics and reporting
• Google Ads: Advertising and remarketing
• Google Maps: Interactive maps and location services

4.2 Social Media Platforms

• Facebook: Social sharing and advertising
• LinkedIn: Professional networking and content sharing
• Twitter: Social media integration

4.3 Other Third Parties

• Customer support tools: Live chat and helpdesk services
• Content delivery networks: Improve website loading speed
• Security services: Protection against malicious activity

5. Cookie Duration

Cookies are classified based on how long they remain on your device:

5.1 Session Cookies

These cookies are temporary and are deleted when you close your browser. They are used for essential website functionality.

5.2 Persistent Cookies

These cookies remain on your device for a specific period or until you delete them:

• Preference cookies: Up to 1 year
• Analytics cookies: Up to 2 years
• Marketing cookies: Varies (30 days to 2 years)

6. Managing Your Cookie Preferences

6.1 Cookie Consent Tool

When you first visit our website, you can choose which types of cookies to accept through our cookie consent banner. You can:

• Accept all cookies
• Accept only necessary cookies
• Customize your preferences for different cookie categories

6.2 Browser Settings

You can also manage cookies through your browser settings:

• Chrome: Settings > Privacy and security > Cookies and other site data
• Firefox: Options > Privacy & Security > Cookies and Site Data
• Safari: Preferences > Privacy > Cookies and website data
• Edge: Settings > Site permissions > Cookies and site data

6.3 Opting Out of Third-Party Cookies

You can opt out of specific third-party cookies:

• Google Analytics: Google Analytics Opt-out Browser Add-on
• Google Ads: Google Ads Settings
• Facebook: Facebook Ad Preferences

7. Impact of Disabling Cookies

If you choose to disable certain cookies, it may affect your experience on our website:

• Necessary cookies: Website may not function properly
• Analytics cookies: We cannot improve our services based on usage data
• Marketing cookies: You may see less relevant advertisements
• Preference cookies: Your settings will not be remembered

8. Local Storage and Similar Technologies

In addition to cookies, we may use other storage technologies:

• Local Storage: Store data locally in your browser
• Session Storage: Temporary storage for the current session
• Web Beacons: Small images used to track user behavior
• Pixels: Track conversions and user interactions

9. Data Protection and Privacy

Cookie data is handled in accordance with:

• Our Privacy Policy
• Personal Data Protection Act (PDPA) of Singapore
• Industry best practices for data security

We do not sell cookie data to third parties and only share data as described in our Privacy Policy.

10. Updates to This Policy

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

• Changes in cookie technology
• New features on our website
• Legal or regulatory requirements
• Industry best practices

We will notify you of significant changes through our website or by email.

11. Contact Information

If you have questions about our use of cookies or this Cookie Policy, please contact us:

12. Useful Links

For more information about cookies and online privacy:

• All About Cookies
• Your Online Choices
• Personal Data Protection Commission Singapore