Cookie Compliance Policy

Welcome to Paper Dwelling. We operate out of Ang Mo Kio, Singapore, providing strategic financial guidance on acquiring residential property for middle-income earners. Transparency is a cornerstone of our advisory service, and this extends to how we handle your digital data. This Policy explains how we use cookies and similar technologies to enhance your experience on our platform.

1. Legal Framework and Jurisdiction

As a business entity operating in Ang Mo Kio, Singapore, Paper Dwelling is governed by the Personal Data Protection Act 2012 (PDPA). The PDPA governs the collection, use, and disclosure of personal data by organisations. In line with the Advisory Guidelines on Key Concepts in the PDPA issued by the Personal Data Protection Commission (PDPC), we obtain your consent before collecting any personal data via cookies, except where an exception applies (such as for strictly necessary functions).

While our primary jurisdiction is Singapore, we acknowledge international standards such as the EU GDPR and the UK Data Protection Act 2018 for our international visitors, ensuring a high baseline of privacy protection.

2. What are Cookies?

Cookies are small text files stored on your device (computer, tablet, or smartphone) when you visit a website. They are widely used to make websites work more efficiently, as well as to provide information to the owners of the site. In the context of Paper Dwelling, cookies help us understand how you interact with our HDB eligibility tools and mortgage calculators.

3. Categories of Cookies We Use

We categorize our cookies based on their function and purpose. Below is a detailed breakdown:

4. Legal Basis for Processing

Under the Singapore PDPA and the EU ePrivacy Directive, we require your informed consent to use cookies, except for those that are "strictly necessary."

• Strictly Necessary: Processed based on our legitimate interest in providing a functional platform.
• All Other Cookies: Processed only after you have provided explicit consent via our cookie banner.

5. Third-Party Cookies

Please note that third parties (including, for example, advertising networks and providers of external services like web traffic analysis services) may also use cookies, over which we have no control. These cookies are likely to be analytical/performance cookies or targeting cookies. We use services like Google Analytics and Facebook Pixel to measure the effectiveness of our "Capital Accumulation Procedures" guides.

6. Managing Your Preferences

You have the right to decide whether to accept or reject cookies. You can exercise your cookie preferences by clicking on the settings button below:

Additionally, most web browsers allow some control of most cookies through the browser settings. To find out more about cookies, including how to see what cookies have been set, visit www.aboutcookies.org or www.allaboutcookies.org.

7. Data Subject Rights

As a resident of Singapore, you have rights under the PDPA to access and correct your personal data held by Paper Dwelling. If the data collected via cookies identifies you as an individual, these rights apply. Please refer to our Privacy Policy for detailed information on how to exercise these rights.

8. Contact Us

If you have any questions about our use of cookies or other technologies, please contact our Data Protection Officer at: