Cookie Policy

1. Introduction

This Cookie Policy explains how Silent Aurora Financial Services Sdn Bhd ("we," "our," or "us") uses cookies and similar technologies when you visit our website silent-aurora.com ("the Website"). This policy explains what these technologies are, why we use them, and your rights to control our use of them.

This Cookie Policy should be read together with our Privacy Policy, which explains how we collect, use, and protect your personal information.

2. What Are Cookies?

Cookies are small text files that are placed on your device (computer, smartphone, or tablet) when you visit a website. They are widely used to make websites work more efficiently and to provide information to website owners.

2.1 Types of Cookies

Cookies can be categorized in several ways:

By Duration:

• Session Cookies: Temporary cookies that are deleted when you close your browser
• Persistent Cookies: Cookies that remain on your device for a set period or until you delete them

By Origin:

• First-Party Cookies: Set by the website you are visiting (silent-aurora.com)
• Third-Party Cookies: Set by domains other than the one you are visiting

2.2 Similar Technologies

We may also use similar technologies such as:

• Web Beacons/Pixels: Small graphic images used to track user behavior
• Local Storage: Browser storage for data that persists beyond sessions
• Session Storage: Temporary storage for data during a browser session

3. How We Use Cookies

We use cookies for various purposes to enhance your experience on our website and to provide our services effectively.

3.1 Essential Cookies

These cookies are strictly necessary for the operation of our website. They enable core functionality such as security, network management, and accessibility.

3.2 Performance and Analytics Cookies

These cookies help us understand how visitors interact with our website by collecting and reporting information anonymously.

3.3 Functional Cookies

These cookies enhance the functionality of our website and personalize your experience.

3.4 Marketing and Advertising Cookies

These cookies are used to deliver relevant advertisements and measure the effectiveness of advertising campaigns.

4. Specific Cookies We Use

Below is a detailed list of the cookies we use on our website:

4.1 First-Party Cookies

4.2 Third-Party Cookies

We may use third-party services that set their own cookies:

5. Your Cookie Choices and Controls

You have several options for managing cookies on our website:

5.1 Cookie Preference Center

When you first visit our website, you'll see a cookie banner that allows you to:

• Accept all cookies
• Accept only necessary cookies
• Customize your cookie preferences

You can change your preferences at any time by:

• Clicking the "Cookie Settings" link in our website footer
• Clearing your browser's stored data for our website
• Contacting us directly to update your preferences

5.2 Browser Controls

Most web browsers allow you to control cookies through their settings:

5.3 Third-Party Opt-Out Tools

You can opt out of certain third-party cookies using these industry tools:

• Network Advertising Initiative: optout.networkadvertising.org
• Digital Advertising Alliance: optout.aboutads.info
• European Digital Advertising Alliance: youronlinechoices.eu
• Google Ad Settings: adssettings.google.com

5.4 Mobile Device Controls

For mobile devices, you can control advertising identifiers:

• iOS: Settings → Privacy → Apple Advertising → Limit Ad Tracking
• Android: Settings → Google → Ads → Opt out of Ads Personalization

6. Impact of Disabling Cookies

Disabling certain types of cookies may affect your experience on our website:

6.1 Essential Cookies

If you disable essential cookies:

• You may not be able to use certain features of our website
• Your preferences and settings will not be saved
• Security features may not function properly
• Form submissions may not work correctly

6.2 Performance and Analytics Cookies

If you disable these cookies:

• We cannot measure website performance or identify issues
• We cannot understand how visitors use our website
• Website improvements may be slower to implement
• Your user experience may not be optimized

6.3 Functional Cookies

If you disable these cookies:

• Personalization features will not work
• You may need to re-enter preferences on each visit
• Some enhanced features may not be available
• Social media integration may not function

6.4 Marketing Cookies

If you disable these cookies:

• You may see less relevant advertisements
• You may see the same advertisements repeatedly
• We cannot measure advertising effectiveness
• Cross-device personalization will not work

7. Data Retention and Storage

7.1 Cookie Retention Periods

Different cookies have different retention periods:

• Session Cookies: Deleted when you close your browser
• Short-term Cookies: 24 hours to 30 days
• Medium-term Cookies: 1 to 12 months
• Long-term Cookies: 1 to 2 years maximum

7.2 Data Processing Location

Cookie data may be processed in:

• Malaysia (our primary data center)
• Singapore (backup and redundancy)
• Third-party service provider locations (with appropriate safeguards)

7.3 Data Security

We protect cookie data through:

• Encryption in transit and at rest
• Access controls and authentication
• Regular security audits and monitoring
• Compliance with data protection standards

8. Legal Basis and Compliance

8.1 Legal Basis for Cookie Use

We use cookies based on the following legal grounds:

• Essential Cookies: Legitimate interest in providing website functionality
• Performance Cookies: Legitimate interest in website optimization
• Functional Cookies: Your consent or legitimate interest
• Marketing Cookies: Your explicit consent

8.2 Regulatory Compliance

Our cookie practices comply with:

• Malaysia Personal Data Protection Act 2010 (PDPA)
• EU General Data Protection Regulation (GDPR) where applicable
• Communications and Multimedia Act 1998
• Industry best practices and guidelines

8.3 Consent Management

We ensure that:

• Consent is freely given, specific, informed, and unambiguous
• You can withdraw consent as easily as you gave it
• Consent records are maintained for compliance purposes
• Different purposes require separate consent

9. Changes to This Cookie Policy

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

• Changes in our cookie practices
• New technologies or services
• Legal or regulatory requirements
• Industry best practices

When we make significant changes, we will:

• Update the "Last Updated" date at the top of this policy
• Notify you through our website banner or email
• Request new consent where legally required
• Provide a summary of key changes

We encourage you to review this Cookie Policy periodically to stay informed about our cookie practices.

10. Contact Information

If you have any questions about this Cookie Policy or our cookie practices, please contact us: