Cookies are small text files that websites store on your device when you visit them. At StreamNext Digital, we use cookies to remember your preferences, analyze how our website performs, and provide you with relevant content about our personal financial budget planning services.

Think of cookies as helpful notes that make your experience smoother. When you return to our site, these notes help us remember things like your preferred language settings or which pages you found most useful during previous visits.

We're committed to transparency about our data practices. This policy explains exactly what information we collect, how we use it, and how you can control your preferences.

Our cookies collect information about your browsing behavior, device characteristics, and preferences. This includes which pages you visit, how long you spend on each page, what devices you use, and your general location (city or region level only).

We use this information to improve our financial planning resources, develop new budgeting tools that better serve Malaysian families, and ensure our website works well across different devices and browsers.

For marketing purposes, we might track which blog posts about budgeting strategies interest you most, or whether you downloaded our financial planning guides. This helps us create more relevant content and show you information that's actually useful for your financial goals.

We never sell your personal information to third parties. Any data sharing is limited to essential service providers who help us operate our website and deliver our financial planning services.

Different types of cookies and data have different retention periods based on their purpose and legal requirements.

You can request deletion of your data at any time by contacting us. We'll process your request within 30 days and confirm when your information has been removed from our systems.

You have complete control over how cookies are used on our website. The simplest way is using the "Decline All Non-Essential Cookies" button at the top of this page, which will remove all tracking, analytics, and marketing cookies while keeping essential functionality intact.

You can also manage cookies through your browser settings. Most modern browsers allow you to block all cookies, delete existing cookies, or set preferences for specific websites. Keep in mind that blocking essential cookies might affect how our financial planning tools work.

For mobile users, both iOS and Android offer cookie management options in their respective browser settings. You can usually find these under Privacy or Security sections of your browser menu.

If you choose to disable cookies, you'll still be able to browse our website and read our financial planning content, but some interactive features like our budget calculators might not work properly.

We work with several trusted third-party services to provide you with the best possible experience. Google Analytics helps us understand website performance, while our email service provider manages newsletter subscriptions and appointment reminders.

These services have their own privacy policies and cookie practices. We carefully select partners who maintain high privacy standards and comply with international data protection regulations.

Some of our financial planning resources include embedded content from educational platforms or financial institutions. These may set their own cookies according to their privacy policies.

We regularly review our third-party relationships to ensure they align with our commitment to protecting your privacy and providing transparent information about data usage.