Published: February 16, 2026

COOKIE POLICY

Effective: February 16, 2026

1. INTRODUCTION

1.1 Purpose. This Cookie Policy explains how Permalogica Pte. Ltd., a company incorporated in Singapore with its registered address at 68 Circular Road, #02-01, 049422, Singapore ("Permalogica", "we", "us", or "our"), uses cookies and similar tracking technologies when you access or use our website located at www.permalogica.com (the "Website") and our application platform (the "Platform") (collectively, the "Services").

1.2 Related Policies. This Cookie Policy should be read in conjunction with our Privacy Policy, which provides additional information about how we collect, use, and protect your personal data.

1.3 Consent. By continuing to use the Services after being presented with our cookie banner or consent mechanism, you consent to our use of cookies as described in this Cookie Policy, where such consent is required by applicable law.

2. WHAT ARE COOKIES?

2.1 Definition. Cookies are small text files that are placed on your computer, smartphone, tablet, or other device (collectively, "device") when you visit a website. Cookies are widely used by website operators to make their websites function efficiently, improve user experience, and provide analytics and reporting information.

2.2 How Cookies Work. Cookies allow websites to:

(a) Remember your preferences and settings

(b) Recognize you when you return to the website

(d) Improve website functionality and performance

(e) Deliver personalized content and advertisements

2.3 Similar Technologies. In addition to cookies, we may also use similar tracking technologies, including:

(a) Pixels (also known as web beacons or clear GIFs): Small graphic images embedded in web pages or emails that track user behavior

(b) Local storage: Technology that allows websites to store data locally on your device

(d) Software Development Kits (SDKs): Code embedded in mobile applications to collect usage data

For simplicity, we refer to all of these technologies collectively as "cookies" in this Cookie Policy.

3. TYPES OF COOKIES WE USE

We use the following categories of cookies on our Services:

3.1 Essential Cookies (Strictly Necessary Cookies)

Purpose: These cookies are strictly necessary for the operation of the Services and cannot be disabled without severely affecting your ability to use the Platform.

Examples of Essential Cookies:

(a) Authentication cookies: Verify your identity and maintain your logged-in session

(b) Session management cookies: Remember your actions and preferences during a browsing session

(d) Load balancing cookies: Distribute network traffic across servers to ensure optimal performance

Legal Basis: These cookies are necessary for the performance of our contract with you (to provide the Services) and/or our legitimate interest in ensuring the security and proper functioning of the Services.

Consent: Because these cookies are essential, they do not require your consent and will be placed automatically when you access the Services.

Retention Period: Session cookies (deleted when you close your browser) or up to 30 days for persistent cookies.

3.2 Analytics and Performance Cookies

Purpose: These cookies help us understand how users interact with the Services by collecting information about pages visited, time spent on pages, error messages encountered, and other usage metrics. This information helps us improve the Services and user experience.

Information Collected:

(a) Pages visited and features used

(b) Time spent on each page

(d) Screen resolution and viewport size

(e) IP address (may be anonymized or truncated where supported)

(f) Referral source (how you arrived at our Services)

(g) Clickstream data and navigation patterns

Third-Party Providers:

(a) Google Analytics: We use Google Analytics to analyze website and platform usage. Google Analytics may collect information such as IP addresses, device identifiers, and browsing behavior. For more information, please see Google's Privacy Policy at https://policies.google.com/privacy

(b) PostHog or similar analytics providers: We may use additional analytics tools to collect usage data and perform product analytics.

Legal Basis: Where required by law (such as under GDPR or UK GDPR), we rely on your consent to place analytics cookies. In other jurisdictions, we may rely on our legitimate interest in understanding user behavior and improving our Services.

Consent: In jurisdictions requiring consent, analytics cookies will only be placed after you accept them via our cookie banner or preference center.

Retention Period: Typically 30 days to 24 months, depending on the specific cookie and provider.

3.3 Marketing and Advertising Cookies

Purpose: These cookies are used to deliver relevant advertisements, measure the effectiveness of marketing campaigns, track conversions, and prevent you from seeing the same advertisement repeatedly.

Functions:

(a) Track whether you clicked on an advertisement

(b) Measure conversion rates (e.g., whether you created an account after clicking an ad)

(d) Build a profile of your interests to show relevant ads across different websites

(e) Limit the number of times you see a particular advertisement

Third-Party Providers:

(a) Google Ads: We use Google Ads conversion tracking and remarketing to deliver targeted advertisements. For more information, see Google's Advertising Privacy Policy at https://policies.google.com/technologies/ads

(b) Meta (Facebook) Pixel: We may use the Meta Pixel to track user behavior and measure the effectiveness of Facebook and Instagram advertising campaigns. For more information, see Meta's Data Policy at https://www.facebook.com/privacy/policy

(c) Other advertising platforms: We may use additional advertising platforms or networks from time to time.

Legal Basis: Where required by law (such as under GDPR or UK GDPR), we rely on your consent to place marketing cookies.

Consent: In jurisdictions requiring consent, marketing cookies will only be placed after you accept them via our cookie banner or preference center.

Retention Period: Typically 30 days to 24 months, depending on the specific cookie and advertising platform.

4. COOKIE RETENTION PERIODS

The length of time a cookie remains on your device depends on its type:

4.1 Session Cookies. Session cookies are temporary cookies that are deleted automatically when you close your browser. They are used to maintain your session while you navigate through the Services.

4.2 Persistent Cookies. Persistent cookies remain on your device for a defined period or until you manually delete them. The retention period varies depending on the purpose of the cookie and the third-party provider:

(a) Essential cookies: Up to 30 days

(b) Analytics cookies: Typically 30 days to 24 months

4.3 Third-Party Cookie Retention. The retention periods for third-party cookies (such as those placed by Google Analytics, Google Ads, or Meta) are determined by the respective third-party provider's policies. Please refer to the privacy policies of these providers for specific retention information.

5. THIRD-PARTY COOKIES

5.1 Third-Party Providers. Some cookies placed on your device when you use the Services are set by third-party service providers, including analytics platforms, advertising networks, and content delivery networks.

5.2 Limited Control. We do not have direct control over third-party cookies. These cookies are governed by the privacy policies and terms of the respective third-party providers.

5.3 Third-Party Privacy Policies. We encourage you to review the privacy policies of our third-party providers to understand how they collect, use, and protect your data:

(a) Google Analytics: https://policies.google.com/privacy

(b) Google Ads: https://policies.google.com/technologies/ads

(d) Stripe (payment processing): https://stripe.com/privacy

5.4 Third-Party Opt-Out. You may opt out of certain third-party cookies by visiting the following industry opt-out pages:

(a) Network Advertising Initiative (NAI): https://optout.networkadvertising.org/

(b) Digital Advertising Alliance (DAA): https://optout.aboutads.info/

6. COOKIE CONSENT MECHANISM

6.1 Consent Requirement. Where required by applicable law (including under the EU General Data Protection Regulation (GDPR), UK GDPR, and the Singapore Personal Data Protection Act (PDPA)), we will obtain your explicit consent before placing non-essential cookies (analytics and marketing cookies) on your device.

6.2 Cookie Banner. When you first visit our Services, you will be presented with a cookie banner or consent mechanism that allows you to:

(a) Accept all cookies (essential, analytics, and marketing)

(b) Reject non-essential cookies (only essential cookies will be placed)

6.3 Granular Consent. Our cookie consent mechanism allows you to provide granular consent by cookie category (e.g., accept analytics cookies but reject marketing cookies).

6.4 Withdrawal of Consent. You may withdraw your consent at any time by:

(a) Adjusting your cookie preferences through the cookie settings or preference center on our Website or Platform

(b) Deleting cookies through your browser settings (see Section 7 below)

6.5 Essential Cookies. Please note that essential cookies (strictly necessary cookies) do not require your consent and will be placed automatically when you access the Services, as they are necessary for the Services to function properly.

6.6 Effect of Rejecting Cookies. If you reject non-essential cookies, certain features of the Services may be limited or unavailable, such as personalized content or targeted advertisements. However, core functionality of the Platform will remain available.

7. MANAGING AND DELETING COOKIES

7.1 Browser Settings. Most web browsers allow you to manage cookies through your browser settings. You can:

(a) View which cookies are stored on your device

(b) Delete existing cookies

(d) Set your browser to notify you when a website attempts to place a cookie

7.2 Browser-Specific Instructions. For instructions on how to manage cookies in specific browsers, please visit:

(a) Google Chrome: https://support.google.com/chrome/answer/95647

(b) Mozilla Firefox: https://support.mozilla.org/en-US/kb/enhanced-tracking-protection-firefox-desktop

(d) Safari (iOS): https://support.apple.com/en-us/HT201265

(e) Microsoft Edge: https://support.microsoft.com/en-us/microsoft-edge/delete-cookies-in-microsoft-edge-63947406-40ac-c3b8-57b9-2a946a29ae09

7.3 Cookie Preference Center. You may also manage your cookie preferences directly through our cookie preference center or settings page on the Website or Platform (if available).

7.4 Mobile Device Settings. For mobile devices, you can manage tracking and advertising settings through your device settings:

(a) iOS: Settings > Privacy > Tracking
(b) Android: Settings > Google > Ads

7.5 Impact of Blocking Cookies. Please be aware that blocking or deleting certain cookies may:

(a) Prevent you from accessing certain features or functionality of the Services

(b) Require you to log in again each time you visit

(d) Prevent us from remembering your preferences or settings

Essential cookies cannot be disabled without severely impairing the functionality of the Platform.

8. DO NOT TRACK SIGNALS

Some web browsers include a "Do Not Track" (DNT) feature that signals to websites that you do not want your online activity tracked. Currently, there is no universally accepted standard for how to respond to DNT signals. As a result, our Services do not currently respond to DNT browser signals. We will continue to monitor developments in DNT technology and may update our practices in the future.

9. UPDATES TO THIS COOKIE POLICY

9.1 Right to Modify. We may update this Cookie Policy from time to time to reflect changes in our practices, technologies, legal requirements, or for other operational reasons.

9.2 Notice of Changes. When we make material changes to this Cookie Policy, we will:

(a) Update the "Last Updated" date at the top of this Cookie Policy

(b) Post the updated Cookie Policy on our Website

9.3 Acceptance of Changes. Your continued use of the Services after the effective date of any changes constitutes your acceptance of the revised Cookie Policy.

9.4 Review Regularly. We encourage you to review this Cookie Policy periodically to stay informed about our use of cookies and tracking technologies.

10. CONTACT INFORMATION

If you have any questions, concerns, or complaints about this Cookie Policy or our use of cookies, please contact us at:

Permalogica Pte. Ltd.
Attention: Data Protection Officer
68 Circular Road, #02-01
049422, Singapore

Email: support@permalogica.com

For GDPR-related inquiries from the EEA or UK, please include "GDPR - Cookie Inquiry" in the subject line.

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BY CONTINUING TO USE THE SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO THE USE OF COOKIES AS DESCRIBED IN THIS COOKIE POLICY.