Cookie Policy

Last updated: March 9, 2026

This Cookie Policy explains how DebtWise Malaysia uses cookies on our website. We use cookies to improve your browsing experience, analyze site usage, and provide personalized content. We are committed to transparency in how we collect and use information through cookies and similar technologies.

What Are Cookies

Cookies are small text files that are stored on your device when you visit our website. They are widely used to remember information about your visit, such as your preferences and login status. Cookies help us understand how you interact with our content and enable us to deliver a better user experience. Each time you return to our site, cookies allow us to recognize you and tailor our services accordingly. We use both session cookies, which expire when you close your browser, and persistent cookies, which remain on your device for a longer period. Understanding cookies helps you make informed decisions about your privacy online.

Types of Cookies We Use

We use several categories of cookies to enhance your experience on our platform. Essential cookies are necessary for basic website functionality, such as security features and page navigation. These cookies cannot be disabled without affecting site performance. Performance cookies collect information about how you use our site, including which pages you visit and how long you spend on them. This data helps us optimize our content and improve page load times. Functionality cookies remember your preferences and choices, such as your language selection and previous searches related to debt management topics. Analytical cookies help us understand user behavior and identify trends in how visitors interact with our educational resources on debt-to-income ratios and AKPK programs. These cookies generate statistical data that guides our content improvements and helps us serve you better.

How We Use Cookies

We use cookies to deliver and improve our educational services regarding debt management, credit card interest rates, and CCRIS credit report interpretation. Cookies enable us to remember your login information, saving you time on repeat visits. We analyze cookie data to understand which sections on AKPK Debt Management Programme information receive the most engagement, helping us focus on content that matters most to our users. Cookies also allow us to personalize your experience by remembering topics you’ve previously viewed, such as resources about calculating debt-to-income ratios. We use performance data to identify technical issues and optimize website speed. Additionally, we may use cookies to display relevant educational content based on your browsing history within our platform. This helps ensure you receive information most applicable to your financial situation and learning needs.

Managing Your Cookie Preferences

You have control over how cookies are used on your device. Most web browsers allow you to manage cookie settings through their preferences or settings menu. You can choose to accept all cookies, reject cookies, or receive a notification each time a cookie is offered. If you disable certain cookies, some features of our website may not function properly, and you may have a reduced browsing experience. Please note that blocking essential cookies could prevent you from accessing important functionality. If you wish to remove cookies already stored on your device, you can do so through your browser’s history or cache settings. Different browsers have different processes for managing cookies, so we recommend consulting your browser’s help documentation. We respect your privacy choices and will honor your preferences regarding cookie usage on our platform.

We continuously review and update our cookie practices to ensure compliance with privacy regulations and best practices. Our use of cookies is designed to provide you with the most relevant and useful experience while respecting your privacy. If you have questions about our cookie practices or how we protect your information, please reach out through our main website contact channels. Your trust is important to us, and we remain committed to transparent communication about how we collect and use data through cookies and other technologies on our platform.