Cookie Policy

1. What are cookies?

Cookies are small text files stored on your device when you visit a website. They help websites remember preferences, maintain session state, and understand how visitors interact with pages. Similar technologies include local storage, session storage, and pixel tags. We use these tools to operate aimoneyflow.one effectively while respecting your privacy choices under the Personal Data Protection Act 2012 (PDPA).

2. Cookie categories we use

We classify cookies into three categories based on their purpose:

• Essential cookies: Required for basic website functionality including navigation, form submission security, and cookie consent memory. These cannot be disabled without impairing site operation.
• Analytics cookies: Help us understand aggregated visitor behaviour — pages viewed, session duration, and referral sources — to improve flow track content and website usability. Activated only with your consent.
• Marketing cookies: Used to measure effectiveness of outreach campaigns and deliver relevant information about upcoming flow cohorts. Activated only with your consent.

3. Specific cookies and storage items

The following first-party technologies are used on aimoneyflow.one:

• aimoneyflow_cookie_consent — Stored in browser local storage. Records your cookie preference choice (accept all, reject all, or customised settings). Duration: 6 months. Provider: AI Money Flow (first-party).
• Session identifiers — Temporary cookies maintaining form state and security tokens during active browsing sessions. Duration: session only. Provider: AI Money Flow (first-party).
• Analytics identifiers — If consented, anonymous visitor identifiers for aggregated traffic analysis. Duration: up to 13 months. Provider: analytics vendor (third-party, if enabled).

4. Third-party vendors

Where analytics or marketing cookies are enabled with your consent, data may be processed by the following categories of vendors:

• Web analytics providers: Deliver aggregated traffic reports without identifying individual visitors when properly configured.
• Email marketing platforms: Track email open rates and link clicks for subscribers who have opted in to marketing communications.
• Cloud hosting providers: May set essential infrastructure cookies for load balancing and security — these are necessary for site delivery.

We do not permit third-party advertising networks to set cookies on aimoneyflow.one without your marketing consent.

5. Cookie banner and consent choices

When you first visit aimoneyflow.one, a cookie banner offers three choices:

• Accept all: Enables essential, analytics, and marketing cookies.
• Reject all: Enables essential cookies only — analytics and marketing remain disabled.
• Customise: Opens a panel where you individually select analytics and marketing preferences while essential cookies remain active.

Your choice is stored for six months. To change preferences before expiry, clear your browser cookies and local storage for aimoneyflow.one and revisit the site — the banner will reappear.

6. Browser opt-out instructions

You may also manage cookies through your browser settings:

• Chrome: Settings → Privacy and security → Cookies and other site data.
• Firefox: Settings → Privacy & Security → Cookies and Site Data.
• Safari: Preferences → Privacy → Manage Website Data.
• Edge: Settings → Cookies and site permissions → Manage and delete cookies.

Blocking all cookies may prevent the cookie consent banner from remembering your choice and could affect form functionality. Essential cookies are the minimum required for secure operation.

7. Do Not Track signals

Some browsers transmit "Do Not Track" (DNT) signals. There is no universal standard for responding to DNT signals. We treat rejection of non-essential cookies through our banner as the primary mechanism for expressing tracking preferences on aimoneyflow.one.

8. Updates to this policy

We may update this Cookie Policy when we add new technologies or change vendor relationships. The "Last updated" date at the top indicates the most recent revision. Material changes will be reflected in an updated banner prompt where appropriate.

9. Contact

Questions about cookies: [email protected]
AI Money Flow Pte. Ltd., 137 Telok Ayer Street, #06-11, Singapore 068602