Cookie Policy
Effective Date: October 2023 | Last Updated: 2024
1. Legal Framework and Jurisdiction
Warmchalk operates within the jurisdiction of Singapore, specifically based in Bukit Batok. Accordingly, our use of cookies and the processing of data collected through them is governed by the Personal Data Protection Act 2012 (PDPA) of Singapore and the Advisory Guidelines on Key Concepts in the PDPA issued by the Personal Data Protection Commission (PDPC).
Under the PDPA, organizations are required to provide notification and obtain consent for the collection, use, and disclosure of personal data, unless an exception applies. While some technical cookies are essential for the site's operation, we respect your rights to privacy and provide transparency regarding all tracking mechanisms employed on this platform.
2. Understanding Cookies
Cookies are small text files stored on your device (computer, smartphone, or tablet) by your web browser when you visit a website. They serve various purposes, such as remembering your preferences, analyzing site performance, and ensuring that the financial comparisons for DBS, OCBC, and UOB accounts remain relevant to your navigation history.
We categorize cookies into "First-party cookies" (set by Warmchalk) and "Third-party cookies" (set by partners or service providers such as analytics engines or financial tool providers).
3. Categories of Cookies Used
A. Strictly Necessary Cookies
These are essential for the website to function and cannot be switched off in our systems. They are usually only set in response to actions made by you, such as setting your privacy preferences or filling in forms.
- Example: session-identifier, security-token
- Lifespan: Session to 1 year
- Necessity: Mandatory under PDPA for service delivery.
B. Analytical/Performance Cookies
These allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us know which pages (e.g., UOB One Account vs. OCBC 360 comparisons) are the most and least popular.
- Example: _ga, _gid (Google Analytics)
- Lifespan: 24 hours to 2 years
- Basis: Consent-based.
C. Marketing and Targeting Cookies
These cookies may be set through our site by our advertising partners. They may be used by those companies to build a profile of your interests and show you relevant adverts on other sites based on your interest in Singaporean savings products.
- Example: ads/ga-audiences, fbp
- Lifespan: Up to 90 days
- Basis: Explicit Consent.
4. Managing Your Preferences
Warmchalk provides you with full control over non-essential cookies. You can modify your choices at any time by clicking the button below:
Alternatively, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.
5. Third-Party Cookies and Links
Our content links to major Singaporean banks (DBS, OCBC, UOB). Please note that once you leave the Warmchalk domain, we have no control over the cookies used by these external financial institutions. We recommend reviewing the cookie policies of each respective bank to understand how they process your data.
6. Data Protection Officer (DPO)
In compliance with Singapore's PDPA, we have appointed a Data Protection Officer. If you have questions regarding this policy or our data practices in Bukit Batok, please contact us:
Warmchalk Administration
Address: 129 High Street, Bukit Batok
Email:
Phone: +65 9406 5650
7. Policy Updates
We may update this Cookie Policy from time to time in order to reflect, for example, changes to the cookies we use or for other operational, legal, or regulatory reasons. Please re-visit this Cookie Policy regularly to stay informed about our use of cookies and related technologies.