Cookie Policy

Last updated: June 19, 2025

1. Introduction

This Cookie Policy explains how Telegferru Financial Management Pte. Ltd. ("we," "our," or "us") uses cookies and similar tracking technologies on our website (www.telegferru.com). This policy should be read together with our Privacy Policy.

By continuing to use our website, you consent to our use of cookies in accordance with this policy. You can manage your cookie preferences through your browser settings or our cookie preference center.

2. What Are Cookies

Cookies are small text files that are stored on your device (computer, tablet, or mobile) 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

Based on their lifespan, cookies can be:

  • Session Cookies: Temporary cookies that expire when you close your browser
  • Persistent Cookies: Remain on your device until they expire or you delete them

Based on who sets them, cookies can be:

  • First-party Cookies: Set directly by our website
  • Third-party Cookies: Set by external services we use (e.g., analytics providers)

3. How We Use Cookies

We use cookies for various purposes to enhance your experience on our website:

3.1 Essential Cookies (Always Active)

These cookies are necessary for our website to function properly and cannot be disabled:

  • Authentication: Remember your login status
  • Security: Protect against fraud and security threats
  • Navigation: Enable basic website functionality
  • Form Data: Remember information you've entered in forms
  • Load Balancing: Distribute website traffic efficiently

3.2 Analytics Cookies (Optional)

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

  • Usage Statistics: Track page views, time spent, and user journeys
  • Performance Monitoring: Identify and fix technical issues
  • Content Optimization: Understand which content is most valuable
  • User Behavior: Analyze how users navigate our website

3.3 Functional Cookies (Optional)

These cookies enhance website functionality and personalization:

  • Preferences: Remember your language and display settings
  • Chat Features: Enable customer support chat functionality
  • Forms: Pre-fill forms with previously entered information
  • Accessibility: Maintain accessibility settings you've chosen

3.4 Marketing Cookies (Optional)

These cookies are used for advertising and marketing purposes:

  • Personalized Ads: Show relevant advertisements based on your interests
  • Campaign Tracking: Measure the effectiveness of our marketing campaigns
  • Retargeting: Show you relevant ads on other websites
  • Social Media: Enable sharing content on social platforms

4. Specific Cookies We Use

4.1 Our Own Cookies

Cookie Name Purpose Duration Type
session_id Maintain user session Session Essential
cookie_consent Remember cookie preferences 1 year Essential
user_preferences Store user settings 6 months Functional
form_data Temporary form storage 24 hours Functional

4.2 Third-Party Cookies

We may use cookies from trusted third-party services:

Google Analytics

  • Purpose: Website analytics and performance monitoring
  • Cookies: _ga, _gid, _gat
  • Duration: Up to 2 years
  • Privacy Policy: Google Privacy Policy

Social Media Platforms

  • Purpose: Social sharing and embedded content
  • Platforms: Facebook, LinkedIn, Twitter
  • Duration: Varies by platform
  • Control: Managed by respective platforms

5. Cookie Consent and Management

5.1 Cookie Consent Banner

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

  • Accept All: Consent to all cookie categories
  • Necessary Only: Only allow essential cookies
  • Customize: Choose specific cookie categories

5.2 Cookie Preference Center

You can access our cookie preference center at any time to:

  • Review current cookie settings
  • Enable or disable specific cookie categories
  • Learn more about each cookie type
  • Update your preferences

5.3 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 > Manage Website Data
  • Edge: Settings > Cookies and site permissions > Cookies and site data

6. Impact of Disabling Cookies

6.1 Essential Cookies

Disabling essential cookies may result in:

  • Website functionality issues
  • Inability to submit forms
  • Login problems
  • Security vulnerabilities

6.2 Optional Cookies

Disabling optional cookies may affect:

  • Analytics: We won't be able to improve our website based on usage data
  • Functional: You may need to re-enter preferences each visit
  • Marketing: You may see less relevant advertisements

7. Data Retention and Storage

7.1 Retention Periods

Cookie data is retained for different periods depending on the cookie type:

  • Session Cookies: Deleted when you close your browser
  • Functional Cookies: Typically 6-12 months
  • Analytics Cookies: Up to 26 months
  • Marketing Cookies: Up to 2 years

7.2 Data Processing

Cookie data may be processed:

  • On our servers in Singapore
  • By third-party service providers
  • In accordance with data protection laws
  • Under appropriate security measures

8. International Transfers

Some of our third-party service providers may process cookie data outside Singapore. When this occurs, we ensure:

  • Adequate protection measures are in place
  • Data processing agreements include privacy safeguards
  • Compliance with applicable data protection laws
  • Your rights are protected regardless of location

9. Your Rights

You have the following rights regarding cookies and related data:

9.1 Consent Rights

  • Withdraw consent for non-essential cookies
  • Change your cookie preferences at any time
  • Opt-out of specific cookie categories

9.2 Information Rights

  • Request information about cookies we use
  • Understand how your data is processed
  • Access cookie-related personal data

9.3 Control Rights

  • Delete cookies from your device
  • Block cookies through browser settings
  • Use private/incognito browsing modes

10. Mobile Applications

While this policy primarily covers our website, similar technologies may be used in our mobile applications:

  • Device Identifiers: Unique identifiers for analytics and functionality
  • Local Storage: Data stored locally on your device
  • Push Notifications: Opt-in notifications for important updates
  • App Analytics: Usage statistics to improve app performance

11. Updates to This Policy

We may update this Cookie Policy to reflect:

  • Changes in our cookie usage
  • New third-party services
  • Legal or regulatory requirements
  • Technology improvements

We will notify you of significant changes through:

  • Updated consent banners
  • Email notifications (if subscribed)
  • Website announcements

12. Contact Information

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

Data Protection Officer

Telegferru Financial Management Pte. Ltd.

1 Raffles Place, #20-61
Singapore 048616

Email: [email protected]

Phone: +65 6221 8888

Office Hours: Monday - Friday: 9:00 AM - 6:00 PM

13. Useful Links

For more information about cookies and online privacy: