Last Updated: 15 Jan 2025

Introduction

Michael Koh (“we” or “us”) uses cookies and similar technologies on velabay.factsheet.com.sg (the “Website”) to improve user experience, analyze website traffic, and serve personalized content or advertising. By using the Website, you consent to the use of cookies. If you do not agree, please adjust your browser settings or stop using the Website.

What Are Cookies?

Cookies are small text files placed on your device when you visit a website. They help remember your preferences and activities, making future visits more efficient. Some cookies are essential for the Website to function properly, while others help us understand user behavior and deliver better services.

Types of Cookies We Use

1. Essential Cookies

   • Required for basic site functionality (e.g., session management).

   • Without these, certain parts of our Website may not work.

2. Analytics Cookies

   • Help us track usage patterns and improve the Website.

   • For example, we may use tools like Google Analytics.

3. Functionality Cookies

   • Store your preferences (like language or region).

   • Enhance your browsing experience.

4. Advertising/Targeting Cookies

   • Deliver relevant ads and measure ad performance.

   • May be placed by third-party partners such as ad networks.

How to Control Cookies

You have the right to accept or reject cookies. You can manage your cookie preferences by:

• Browser Settings: Most browsers let you view, delete, or block cookies. Check your browser’s “Help” menu for instructions

• Opt-Out Tools: Some ad networks (e.g., Google) offer opt-out features. Visit their respective privacy settings to learn more.

Please note that blocking or deleting cookies may affect certain Website features.

International & Legal Considerations

• Singapore PDPA: We handle your personal data with care, using reasonable security measures, and obtain your consent where required.

• EU GDPR & Other Jurisdictions: Where applicable, we seek consent for non-essential cookies and rely on legitimate interests for essential cookies.

• Data Transfers: Your information may be transferred outside your country (e.g., to servers in Singapore or other regions). We take steps to ensure appropriate data protection safeguards.

Updates to This Policy

We may modify this Cookie Policy from time to time to reflect changes in technology, law, or our data practices. When we do, we will update the “Last Updated” date above. Please review this policy regularly to stay informed.

Contact Us

If you have questions or concerns, please contact us at: