Cookie Policy

1. General Information

This Cookie Policy explains how cookies and similar technologies may be used when users access the informational website Loravexino. The website provides general information about personal budget planning for daily needs and may be used without registration or submission of personal data. Cookies are used only for technical operation, security, and basic analytics related to the functioning of the website.

Use of cookies is carried out in accordance with the Personal Data Protection Act 2012 of Singapore, as well as applicable provisions of the Spam Control Act 2007 and the Electronic Transactions Act 2010. Cookies are not used to create user profiles and are not used for personalised advertising. The website does not link cookie data with personal data unless the user voluntarily provides information through the contact form.

2. What Are Cookies

Cookies are small text files stored on the user’s device when visiting a website. These files help the website recognise the device and maintain correct operation of pages during navigation. Cookies may store technical information such as language settings, session identifiers, or display preferences.

Cookies used on this website do not contain financial data, identification numbers, or sensitive personal information. Most cookies used are necessary for the normal operation of the site.

3. Types of Cookies Used

The website may use different types of cookies depending on the technical needs of the pages.

Essential cookies are required for basic operation of the website and allow pages to load correctly.
Functional cookies may store user preferences such as language or display settings.
Analytics cookies may collect anonymous technical information about how pages are opened and viewed.

These cookies are used only to understand general usage of the website and do not identify individual users.

4. Purpose of Using Cookies

Cookies are used only for limited purposes related to the operation of the website. These purposes include maintaining page stability, remembering selected settings, and collecting anonymous statistics about page visits.

Cookies help ensure that the website can be displayed correctly on different devices and browsers. The website does not use cookies for advertising tracking, profiling, or automated decision-making. Information collected through cookies is used only for technical and administrative reasons.

5. Cookies and Personal Data

Most cookies used on this website do not contain personal data. In some cases, technical data collected through cookies may be considered personal data when it can be linked to an individual.

When this occurs, the data is handled in accordance with the Personal Data Protection Act 2012. The website does not intentionally combine cookie data with personal information submitted through the contact form.
Personal data is processed only when the user voluntarily provides it.

6. Cookie Storage Duration

Some cookies remain on the device only during the browsing session and are removed after the browser is closed. These are called session cookies. Other cookies may remain on the device for a longer period to remember settings for future visits. These are called persistent cookies.

The storage period depends on the type of cookie and its technical purpose. Cookies are not stored longer than necessary for website operation.

7. Managing Cookies

Users may control the use of cookies through their browser settings. Most browsers allow cookies to be blocked, deleted, or restricted. Disabling cookies may affect the way some pages are displayed, but the website can generally be used without changing cookie settings. Instructions for managing cookies can be found in the help section of the browser used by the user.

8. Third-Party Cookies

The website may use technical services provided by third-party hosting or analytics tools. These services may place cookies required for basic statistics or security functions. Such cookies are used only for technical purposes and are not used for advertising or marketing. Third-party providers are expected to handle data in a manner consistent with applicable law in Singapore.

9. Consent to Use Cookies

When cookies are used for purposes that require consent, the website may display a notice informing the user about the use of cookies. Continuing to use the website after seeing the notice means that the user understands that cookies may be stored for technical operation. Where required, users may change cookie settings through their browser at any time.

10. Data Protection and Security

Information collected through cookies is stored using reasonable technical safeguards. Access to such data is limited to persons responsible for maintaining the website. Cookie data is not sold, rented, or used for marketing purposes. The website applies appropriate measures to prevent unauthorised access or misuse.

11. International Data Processing

Cookies and related technical data may be processed on servers located outside Singapore when required for hosting or analytics. When such processing occurs, reasonable steps are taken to ensure that the level of protection is comparable to the protection required under the Personal Data Protection Act 2012. Data processing is limited to what is necessary for operation of the website.

12. Changes to This Cookie Policy

This Cookie Policy may be updated when necessary to reflect changes in the website, technology, or applicable law. The current version of the policy is indicated by the date shown at the beginning of this document. Users may review this page from time to time to stay informed about how cookies are used.

For more information, please use the contact details provided above.