Cookie Policy – DH Wealth Management Pte Ltd (DHWM)

Website: https://dhwm.com.sg

Licensed by MAS under CMS License No. CMS101242 | Compliant with Singapore PDPA & International Financial Privacy Standards

Last Updated: July 2026

1. Introduction

This Cookie Policy governs the use of cookies, web beacons, pixels, local storage and other tracking technologies (collectively “Cookies”) on the official website of DH Wealth Management Pte Ltd (“DHWM”, “we”, “us”, “our”), a licensed Singapore asset management firm regulated by the Monetary Authority of Singapore (MAS).

This policy supplements our official Privacy Policy and aligns with the Personal Data Protection Act (PDPA) of Singapore, as well as global data privacy standards for accredited investor-focused financial services. By accessing and browsing https://dhwm.com.sg, you acknowledge and consent to our Cookie practices set out below, subject to your adjustable preferences via our cookie consent banner.

This website is exclusively intended for Accredited Investors and Institutional Investors as defined under Singapore’s Capital Markets Services (CMS) regime. We do not knowingly collect data from minors or retail non-accredited investors.

2. What Are Cookies?

Cookies are small text files downloaded to your computer, smartphone, tablet or other web-enabled device when you visit our website. They store non-sensitive browsing data to recognise your device on repeat visits, record page navigation, save site preferences, and improve website functionality.

Cookies do not access or extract private files stored locally on your device, and cannot read personal data stored outside of our website’s browsing session. We separate two core categories:

- First-party Cookies: Placed directly by DHWM’s web server

- Third-party Cookies: Placed by authorised analytics, hosting or media service providers integrated into our site

3. Categories of Cookies We Deploy

We classify all Cookies into four distinct groups, with granular consent controls available via our footer “Cookie Settings” panel:

3.1 Strictly Necessary Cookies (No Consent Required)

These Cookies are mandatory for core website operation and cannot be disabled without breaking critical site functions. They do not capture identifiable personal data and are exempt from PDPA opt-in consent rules.

- Session ID cookies: Maintain secure page navigation during your single site visit

- Security validation tokens: Prevent unauthorised access to news disclosures and investor content

- Consent preference storage: Save your cookie accept/reject choices long-term

- Load balancing cookies: Stabilise website performance for global visitors from Singapore, Hong Kong, China and other regions

3.2 Functional Cookies (Optional – Consent Required)

Functional Cookies remember your voluntary preferences to deliver a customised browsing experience, only activated if you grant consent:

- Language selection storage

- Saved page bookmark preferences for news & insights articles

- Form field auto-fill for investor inquiry submissions

- Region-specific content filters for Singapore/Hong Kong/Suzhou business updates

3.3 Analytics & Performance Cookies (Optional – Consent Required)

We use anonymised analytics tools to measure website traffic, page popularity and visitor behaviour to optimise our investor content, without cross-device individual profiling. All analytics data is aggregated and de-identified where possible.

- Track page view volumes for our News & Insights section (including strategic summit announcements, MAS compliance updates, investment project releases)

- Measure visitor geographic origin to tailor regional business content

- Record device/browser statistics to improve mobile website usability

- Monitor traffic to institutional service pages, fund overview and team introduction pages

Third-party analytics providers may include Google Analytics 4; all tracking parameters are configured to limit personal data capture in line with PDPC guidance.

3.4 Marketing & Targeting Cookies (Optional – Consent Required)

DHWM only enables marketing tracking with your explicit opt-in consent. These Cookies build anonymised browsing profiles to deliver relevant financial service content and event invitations for accredited investors:

- Retargeting pixels for industry summit, awards and investment briefing event promotions

- Embedded social media widgets (LinkedIn) for sharing corporate news releases

- Ad performance tracking for institutional investor outreach campaigns

We do not share your personal identifiable information with third-party advertisers for unrelated commercial use.

4. Third-Party Cookie Providers

Our website integrates limited trusted third-party service providers who may place Cookies on your device. We do not control the data handling policies of these vendors, and you may review their independent privacy & cookie policies via their official websites:

1. Google (Analytics, website hosting tools)

2. LinkedIn (corporate social media embeds)

3. Web hosting & CDN service providers for site uptime and security

All third-party partners are contractually required to comply with Singapore PDPA and cross-border data transfer rules for financial institutions regulated by MAS.

5. Your Rights & Cookie Control Options

Under Singapore’s PDPA, you hold full rights to modify, withdraw or adjust your Cookie consent at any time, with equal visibility for “Accept All” and “Reject All” options on our consent banner.

5.1 On-Site Preference Management

A permanent **Cookie Settings** link is located in the website footer at all times. Click this link to:

- Toggle individual cookie category consent (Necessary / Functional / Analytics / Marketing)

- Fully withdraw all non-essential cookie consent

- Reset saved preference history

5.2 Browser-Level Cookie Controls

You may configure your web browser to automatically block, delete or alert you to Cookies before storage. Common browser actions include:

- Clearing all stored Cookies and local storage after each browsing session

- Enabling “Do Not Track” signal transmission to opt out of behavioural analytics

- Blocking third-party tracking Cookies entirely

Important Note: Disabling Strictly Necessary Cookies will restrict access to secure investor disclosures, news content and contact forms on dhwm.com.sg.

5.3 Data Retention

- Session Cookies: Automatically deleted once you close your browser

- Persistent functional/analytics/marketing Cookies: Retained for a maximum of 24 months, aligned with PDPC audit record requirements

- Consent preference records: Stored for 24 months to demonstrate PDPA compliance during MAS or PDPC reviews

6. Data Protection & Cross-Border Transfers

Data collected via Cookies is processed and stored in compliance with MAS capital markets regulations and the PDPA. Anonymised analytics data may be transferred to secure servers located outside Singapore, subject to formal cross-border data transfer safeguards required for licensed CMS fund management firms.

We will never use Cookie-derived data to identify individual visitors without your separate, written consent, nor combine cookie tracking data with your client account information unless you formally register as an accredited investor via our official inquiry form.

7. Policy Updates

DHWM reserves the right to revise this Cookie Policy periodically to reflect changes in website tracking tools, MAS regulatory requirements, PDPA amendments, or our internal data governance practices. All updates will be published on this page with a revised “Last Updated” date, and material changes will be flagged via our website homepage banner.

We encourage you to review this policy regularly during your site visits. Your continued use of https://dhwm.com.sg following policy updates constitutes acceptance of revised Cookie terms.

8. Contact For Privacy & Cookie Queries

For all questions, requests or complaints regarding our Cookie handling, personal data processing or PDPA compliance, please contact our Group Compliance team:

DH Wealth Management Pte Ltd

Regulated by MAS (CMS License: CMS101242)

Email: info@dhwm.com.sg

Registered Address: Singapore