Cookie Policy

How We Use Cookies

This policy explains how Xylaverniqo uses cookies and similar technologies on our website to enhance your experience, analyze usage patterns, and provide personalized service. We believe in transparency about data collection and want you to understand exactly how we use cookies.

This cookie policy was last updated on: July 27, 2025

Understanding Cookies

Cookies are small text files stored on your device when you visit our website. They help us remember your preferences, understand how you use our site, and provide features like keeping you logged into your consultation portal. Most websites use cookies — they're a standard part of the modern web experience.

Think of cookies as helpful assistants that make your experience smoother by remembering things like your language preference or whether you've already seen our cookie consent banner.

Our Cookie Categories

We use different types of cookies for specific purposes. Here's what each category does and why we need them:

Essential Cookies

These cookies are required for our website to function properly. They enable core features like security, network management, and accessibility. You cannot opt out of these cookies.

Session management, security tokens, load balancing, and accessibility preferences

Functional Cookies

These cookies enhance your experience by remembering your choices and preferences. They're not essential but make using our site much more convenient.

Language preferences, consultation portal login status, and customized interface settings

Analytics Cookies

We use these cookies to understand how visitors interact with our website, which pages are most useful, and how we can improve your experience.

Page view tracking, session duration analysis, and user journey mapping

Marketing Cookies

These cookies help us show you relevant information about our financial planning services and measure the effectiveness of our outreach efforts.

Consultation request tracking, service interest analysis, and communication preference management

Third-Party Cookies

Some cookies are set by third-party services we use, such as analytics providers or consultation scheduling tools. These services have their own privacy policies explaining how they use cookies and personal data.

We work only with reputable third-party services that meet our privacy standards, but you should review their policies independently.

Your Privacy Rights

Depending on your location, you may have specific rights regarding cookie usage and data processing. Here are the key rights that may apply:

GDPR Rights (EU Residents)

If you're located in the European Union, you have comprehensive rights under GDPR:

  • • Right to access information about cookies and data processing
  • • Right to withdraw consent for non-essential cookies at any time
  • • Right to request deletion of data collected through cookies
  • • Right to data portability for information collected via our website

CCPA Rights (California Residents)

California residents have specific privacy rights under CCPA:

  • • Right to know what personal information is collected through cookies
  • • Right to delete personal information collected via tracking technologies
  • • Right to opt-out of sale of personal information (we do not sell personal data)

LGPD Rights (Brazil Residents)

Brazilian residents have privacy rights under LGPD:

  • • Right to confirmation of data processing through cookies
  • • Right to access and correct information collected via our website
  • • Right to request deletion of personal data collected through tracking

Managing Your Cookie Preferences

You have several options for controlling how cookies work on your device:

Browser Settings

All modern browsers allow you to control cookies through their settings. You can block all cookies, allow only first-party cookies, or delete existing cookies. However, blocking essential cookies may affect website functionality.

Our Preference Center

Use our cookie preference tool (available in the website footer) to customize which types of cookies you accept. Your choices will be remembered for future visits.

Third-Party Opt-Outs

For third-party cookies, you can opt out directly through the service provider's website or use industry opt-out tools like the Network Advertising Initiative's opt-out page.

Cookie Retention Periods

Different cookies stay on your device for different lengths of time:

  • • Session Cookies: These expire when you close your browser and are mainly used for essential functions like keeping you logged in during your visit.
  • • Persistent Cookies: These remain on your device for a set period (typically 30 days to 2 years) to remember your preferences between visits and analyze long-term usage patterns.

Policy Updates

We may update this cookie policy to reflect changes in our practices, new technologies, or legal requirements. When we make significant changes, we'll notify active users through email and display a notice on our website. Continued use of our site after changes constitutes acceptance of the updated policy.

Questions About Cookies

If you have questions about our cookie usage or need help managing your preferences, please contact us at info@xylaverniqo.com or +60 12 7268 6321.

Email Address: contact@xylaverniqo.com

Phone Number: +60 12 7268 6321

Registered Address: Menara Merdeka 118, Presint Merdeka 118, 50118 Kuala Lumpur, Malaysia

Remember, you can update your cookie preferences anytime using the preference center in our website footer.