Cookie Policy

1. What Are Cookies

Cookies are small text files placed on your device — computer, tablet, or mobile — when you visit a website. They are widely used to help websites function correctly, to remember your preferences, and to provide information to the operators of the site about how visitors use it.

Similar technologies include local storage, session storage, and pixel tags (also called web beacons). Where this policy refers to cookies, the same principles apply to these related technologies unless otherwise stated.

2. Who Sets Cookies on This Website

Cookies on this website are set by two categories of party:

• First-party cookies — set directly by Pesara Counsel and used to operate the website and remember your preferences.
• Third-party cookies — set by external services we use to understand how visitors engage with the site and to measure the performance of our digital presence. These third parties operate under their own privacy and cookie policies.

3. Categories of Cookies We Use

We organise the cookies on this website into four categories based on their purpose.

Essential Cookies

These cookies are necessary for the website to function. They enable basic operations such as page navigation and access to secure areas. The website cannot function correctly without them. Your consent is not required for essential cookies, and they cannot be switched off through our cookie preference system.

Analytics Cookies

These cookies help us understand how visitors interact with our website — which pages are read, how long visitors spend on each section, and where visitors arrive from. The information collected is aggregated and does not identify individuals. We use this data to improve the clarity and usefulness of the site over time.

Marketing Cookies

These cookies record visits to our website so that we may measure the effectiveness of digital advertising. They may be used to show relevant information about our services on other websites you visit. We use these sparingly and only to reach individuals who may have an interest in pension legal matters.

Preference Cookies

These cookies remember choices you have made on the website — such as your cookie consent decision — so that you are not asked again on your next visit. Without them, the site would treat each visit as the first.

4. Specific Cookies in Use

The table below lists the principal cookies currently active on this website. This list may be updated as the site develops.

5. Your Choices

When you first visit this website, a notice at the bottom of the screen invites you to accept or decline non-essential cookies. Your choice is remembered for twelve months. You may change your preference at any time by clearing your browser's local storage or cookies for this domain.

If you decline non-essential cookies, analytics, marketing, and preference cookies will not be set. Essential cookies will still be placed as they are necessary for the site to operate.

You may also manage cookies through your browser settings. Most browsers allow you to view, block, or delete cookies. Guidance for common browsers is available from their publishers — your browser's Help section is the most direct place to start. Note that blocking all cookies may affect the functioning of many websites, not only ours.

For information on opting out of Google Analytics across all websites you visit, Google provides a browser add-on available at tools.google.com/dlpage/gaoptout.

6. Third-Party Services

Where third-party services set cookies through our website, those parties act as independent data controllers for the data collected through their cookies. Their practices are governed by their own policies, which we encourage you to review:

• Google — policies.google.com/privacy
• Meta (Facebook) — facebook.com/privacy/policy
• Microsoft — privacy.microsoft.com

We have no access to or control over cookies set by these third parties beyond enabling or disabling the relevant service on our site.

7. Cookies and Personal Data

Some cookies, particularly analytics and marketing cookies, may collect or process information that constitutes personal data under Singapore's Personal Data Protection Act 2012 (PDPA). Where this is the case, the collection is carried out on the basis of your consent, which you give or withhold through the cookie notice on this site.

Please refer to our Privacy Policy for a full explanation of how we collect, use, and safeguard personal data, and for details of your rights under the PDPA.

8. Changes to This Policy

We review this Cookie Policy periodically and may update it when our use of cookies changes or when regulatory requirements shift. Any revised version will be published on this page with an updated effective date. Where changes are material, we may notify you through a revised consent notice on the website.

We encourage you to check this page from time to time, particularly if you wish to stay informed about how cookies are used on this site.

9. Contact

If you have questions about how we use cookies, or wish to exercise any rights in relation to data collected through them, you are welcome to contact us:

• By post: 8 Marina Boulevard, #43-02 Marina Bay Financial Centre, Singapore 018981
• By telephone: +65 6738 4291
• By email: [email protected]

We will do our best to respond within five working days.