Cookie Policy

What Are Cookies

Cookies are small text files that a website places on your device (computer, tablet, or smartphone) when you visit it. They are widely used to make websites work more efficiently, remember your preferences, and provide information to website operators about how visitors use their sites.

Cookies are not programs and cannot execute code. They cannot carry viruses or install malware. A cookie can only be read by the server that originally placed it on your device.

Cookies may be "session cookies," which expire when you close your browser, or "persistent cookies," which remain on your device for a specified period or until you delete them. Some cookies are set directly by our website ("first-party cookies"), while others are set by third-party services we use.

How We Use Cookies

Silent Key uses cookies for three distinct purposes: to ensure the website functions correctly (essential), to understand how visitors interact with the site (analytics), and to support the display of relevant content (marketing). Each category is described in detail in the sections below.

We do not use cookies to collect sensitive personal information, to track you across unrelated websites without consent, or to build detailed personal profiles for advertising purposes beyond what is described in this Policy.

Your consent choices, made through the cookie banner displayed on your first visit, determine which non-essential cookie categories are active during your visit. You can change your preferences at any time by clearing your browser cookies and revisiting the site.

Essential Cookies

Essential cookies are necessary for the website to function. They cannot be disabled through our consent tool, as doing so would prevent core website features from working. You can disable them through your browser settings, but this may result in parts of the site not functioning correctly.

These cookies do not collect any information that could be used to identify you personally and are not used for marketing purposes.

Analytics Cookies

Analytics cookies help us understand how visitors interact with this website. The information collected is aggregated and does not identify individual users. It is used to improve the structure, content, and functionality of the site.

Analytics cookies are only placed on your device if you have accepted this category through our consent tool. You may withdraw consent at any time by clearing your browser cookies and selecting a different preference on your next visit.

Google Analytics data is processed by Google LLC in accordance with their Privacy Policy. Google Analytics data is not used by Silent Key to identify individuals.

Marketing Cookies

Marketing cookies may be used to deliver content relevant to your interests based on your browsing activity. If you have consented to this category, these cookies may be set by advertising or content delivery partners.

Silent Key does not engage in aggressive or targeted advertising. Marketing cookies, if active, are used only to understand general content interest and to support the display of informational content that may be relevant to visitors of an educational financial literacy website. No financial product advertising is served through this site.

Marketing cookies are inactive by default and are only placed on your device if you explicitly select "Accept All" or enable the marketing category in the cookie preference tool.

Consent Storage

Your cookie consent preference is stored in a cookie named sk_consent on your device. This is an essential cookie placed by Silent Key to remember your choice so that you are not asked to consent on every page visit. It stores a simple record of which categories you have accepted or rejected.

This cookie is set for a period of twelve months from the date of your most recent consent interaction. After this period, you will be asked to confirm your preferences again.

The consent cookie does not contain any personal information beyond your preference selection and the date it was recorded.

Managing Your Preferences

You can manage your cookie preferences in several ways.

Through our cookie tool: Click "Customize" in the cookie banner to access the preference panel. You can enable or disable analytics and marketing cookies independently.

Through your browser: Most browsers allow you to view, block, and delete cookies through their settings. The process varies by browser. Consult your browser's help documentation for instructions. Note that blocking all cookies will prevent some features of this site from functioning.

Opt-out links: For Google Analytics specifically, you may use the Google Analytics Opt-out Browser Add-on available at tools.google.com/dlpage/gaoptout.

Withdrawing consent for non-essential cookies will not affect the lawfulness of processing that occurred before withdrawal.

Third-Party Cookies

Some cookies on this site are set by third-party services. These services have their own privacy and cookie policies, which govern how they use information collected through their cookies. Silent Key does not control third-party cookies and is not responsible for the practices of third-party services.

Third-party services currently or potentially used on this site include Google Analytics (analytics) and Google Maps (embedded map on the contact page). The Google Maps embed on the contact page may set cookies when loaded. These are controlled by Google's cookie policy.

Legal Basis

The use of essential cookies is based on our legitimate interest in providing a functioning website. No consent is required for cookies that are strictly necessary for the website to operate.

The use of analytics and marketing cookies is based on your freely given, specific, informed, and unambiguous consent, provided through the cookie consent banner displayed on your first visit. This is consistent with the requirements of the Data Privacy Act of 2012 of the Philippines and, where applicable, international best practice standards for consent-based cookie use.

You may withdraw your consent at any time without any negative consequences, other than the loss of non-essential cookie functionality on this site.

Updates to This Policy

This Cookie Policy may be updated from time to time to reflect changes in the cookies we use, changes in applicable law, or changes in the services we employ. The "Last Updated" date at the top of this document indicates when it was most recently revised.

If we make significant changes to how we use cookies, we will display an updated consent notice on the website so that you have the opportunity to review the changes and update your preferences.

Questions

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

Silent Key
2nd Floor, PhilFirst Building
6764 Ayala Avenue, Makati City
1229 Metro Manila, Philippines
Email: info@silentkey.digital
Phone: +63 2 8802 7333