Cookie Policy

1. What are cookies?

Cookies are small text files placed on your device when you visit a website. They help the site remember preferences, maintain security and — where you consent — understand how visitors use pages. Similar technologies include local storage entries and session identifiers. Cookies may be "first-party" (set by aifinancecircuit.life) or "third-party" (set by external services we embed or link to).

2. How we obtain consent

When you first visit our Website, a cookie banner presents three options: Accept all, Reject all, or Customise to select optional categories individually. Essential cookies operate regardless of choice because the site cannot function without them. Your selection is stored in a preference cookie for six months, after which we will ask again. You may change preferences at any time by clearing site cookies and revisiting, or by contacting [email protected].

3. Cookie categories

3.1 Essential cookies (always active)

These cookies are necessary for basic Website operation and cannot be disabled via our banner without breaking core functionality.

• afc_cookie_consent — Stores your banner choice (accept, reject or customised categories). Duration: 6 months. First-party.
• afc_session — Maintains session state for form security and navigation continuity. Duration: session (deleted when browser closes). First-party.
• afc_csrf — Supports cross-site request forgery protection on form submissions where implemented. Duration: session. First-party.

3.2 Analytics cookies (optional — requires consent)

When you accept analytics or customise preferences to include analytics, we may deploy tools that collect anonymised visit statistics — pages viewed, approximate geographic region (country/city level), device type, referral source and time on page. We use this aggregated data to improve curriculum page clarity, navigation and content relevance for Singapore learners. Analytics cookies do not access your financial account data or AI tool usage outside our Website.

• _afc_analytics_id — Anonymous visitor identifier for repeat visit recognition without naming individuals. Duration: 13 months. First-party.
• _ga / _gid (if enabled) — Google Analytics identifiers for traffic measurement. Duration: _ga 24 months, _gid 24 hours. Third-party vendor: Google LLC. Data may be processed in the United States under Google's terms.

3.3 Marketing cookies (optional — requires consent)

Marketing cookies attribute visits to campaign links so we understand which outreach efforts lead to prospectus requests — not to profile you for unrelated advertising networks. We do not run retargeting campaigns for financial products. If enabled:

• _afc_campaign — Stores UTM campaign parameters from inbound links. Duration: 90 days. First-party.
• _fbp (if enabled) — Meta pixel identifier for conversion attribution on optional social campaigns. Duration: 90 days. Third-party vendor: Meta Platforms, Inc.

4. Vendors and third-party processing

Third-party vendors that may process cookie-related data when optional categories are consented to include:

• Hosting provider — Server logs and essential session cookies for infrastructure operation in secure environments serving Singapore learners.
• Google LLC (optional analytics) — Privacy policy: google.com/policies/privacy. Opt-out browser add-on: tools.google.com/dlpage/gaoptout.
• Meta Platforms, Inc. (optional marketing attribution only) — Privacy policy: facebook.com/privacy/policy. Ad preferences: facebook.com/settings?tab=ads.

We select vendors with reasonable data protection commitments. Cross-border transfers may occur where vendor infrastructure is located outside Singapore; see our Privacy Policy for safeguards.

5. How to opt out and manage cookies

You have several options to control cookies:

• Cookie banner: Click Reject all to block optional analytics and marketing cookies, or Customise to toggle categories individually.
• Browser settings: Most browsers allow blocking or deleting cookies. Note that blocking essential cookies may prevent form submission or preference memory.
• Vendor opt-outs: Use Google Analytics opt-out add-on and platform ad preference centres linked above for third-party cookies already set.
• Contact us: Email [email protected] for assistance resetting stored preferences.

Rejecting optional cookies does not affect your ability to browse programme information, read legal policies or submit PDPA-consented contact enquiries. It may limit our ability to measure aggregate traffic patterns.

6. Relationship to PDPA

Under the PDPA, optional cookies that collect identifiable or persistent device data require consent. Our banner implements an opt-in model for non-essential categories. Essential cookies rely on legitimate interests in Website operation and security. Cookie data is not sold. Retention aligns with durations listed above unless you clear cookies earlier.

7. Updates

We may update this Cookie Policy when adding tools, changing vendors or responding to regulatory guidance. The "Last updated" date will reflect revisions. Material changes may trigger a fresh consent prompt where required.

8. Contact

Questions about cookies: [email protected]
AI Finance Circuit Pte. Ltd., 1 Wallich Street, #14-01 Guoco Tower, Singapore 078881