Last updated: May 13, 2026
Welcome to Finance Mojito (the “Website”). This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you visit our website.
We are committed to protecting your privacy. This policy applies to all users of Finance Mojito, regardless of whether you are located in Singapore, Malaysia, the United States, or elsewhere.
For the purposes of applicable data protection laws, Siljack Wong (the creator of Finance Mojito) is the “data controller” of your personal information.
1. What Information Do We Collect?
We collect limited information from and about users of our website.
Information You Provide to Us Voluntarily
| Information Type | When Collected |
|---|---|
| Name and email address | When you subscribe to our newsletter, leave a comment, or contact us via email |
| Comment content | When you leave a comment on a blog post |
| Any information you include in a message | When you contact us through the contact form or directly via email |
Information Collected Automatically
When you visit Finance Mojito, certain information is automatically collected by our hosting provider (A2 Hosting) and analytics tools:
| Information Type | Purpose |
|---|---|
| IP address | To detect approximate location and prevent spam/abuse |
| Browser type and version | To ensure our website displays correctly |
| Device type | To optimize mobile experience |
| Pages visited and time spent | To understand which content is most helpful |
| Referring website | To understand how you found us |
| Date and time of visit | For analytics and security purposes |
Cookies and Similar Technologies
We use cookies (small text files stored on your device) to:
- Remember your preferences (e.g., comment form details)
- Understand how visitors use our website (via Google Analytics)
- Serve relevant advertisements (via Google AdSense, after approval)
You can disable cookies through your browser settings. However, some features of the website may not function properly.
2. How Do We Use Your Information?
We use the information we collect for the following purposes:
| Purpose | Legal Basis (where required) |
|---|---|
| To operate and maintain the Website | Legitimate interest |
| To send you newsletters (if you subscribed) | Your consent |
| To respond to your comments or inquiries | Legitimate interest |
| To analyze and improve our content | Legitimate interest |
| To display personalized or contextual advertisements | Your consent (for personalized ads) |
| To detect and prevent spam, fraud, or abuse | Legitimate interest / legal obligation |
We do not sell your personal information to third parties.
3. Comments and Public Information
When you leave a comment on Finance Mojito:
- Your comment and name you provide are visible to the public
- Your email address is not displayed publicly
- Your IP address is collected (used for spam detection only)
Please do not share sensitive personal information in comments. Comments are moderated, and we reserve the right to remove any comment that contains personal data, offensive content, or spam.
4. Newsletter and Email Communications
If you choose to subscribe to our newsletter:
- We collect only your name and email address
- You will receive periodic emails about new blog posts, finance tips, and occasional offers
- You can unsubscribe at any time by clicking the “unsubscribe” link at the bottom of any newsletter email
- We use a third-party email service provider (e.g., ConvertKit or MailerLite) to manage our newsletter. They process your data only on our behalf and are contractually obligated to protect it.
We will never sell or share your email address with unrelated third parties.
5. Affiliate Links and Third-Party Services
Finance Mojito participates in affiliate marketing programs. This means:
- Some links on our website are affiliate links
- If you click on an affiliate link and make a purchase or sign up for a service, we may earn a commission – at no additional cost to you
- The affiliate partner may place a cookie on your browser to track the referral
Important: We do not share your personal information directly with affiliate partners. However, when you click an affiliate link, you are subject to that third party’s privacy policy. We encourage you to review their policies.
Our current affiliate partners may include:
- Brokerage platforms (e.g., moomoo, Tiger Brokers, Rakuten Trade)
- Budgeting apps (e.g., YNAB)
- Other finance-related tools and services (to be updated as we grow)
We only recommend products and services we genuinely believe provide value to our readers.
6. Advertising (Google AdSense)
Finance Mojito displays advertisements through Google AdSense (once approved).
Google AdSense may use cookies to serve ads based on your prior visits to our website or other websites.
Google’s use of advertising cookies enables it and its partners to serve ads based on your visit to our site and/or other sites on the Internet.
You may opt out of personalized advertising by visiting Google Ads Settings.
For more information, please review Google’s privacy policy: Google Privacy & Terms.
7. How Long Do We Keep Your Data?
| Type of Data | Retention Period |
|---|---|
| Newsletter subscriber data | Until you unsubscribe |
| Comments | Indefinitely (unless you request deletion) |
| Contact form inquiries | 12 months |
| Analytics data (aggregated, anonymized) | 26 months (Google Analytics default) |
If you wish to have your personal data deleted, please contact us using the information in Section 12.
8. How Do We Protect Your Information?
We take reasonable measures to protect your personal information from unauthorized access, alteration, disclosure, or destruction.
These measures include:
- Using SSL encryption (your connection to our website is secure – look for the padlock icon in your browser)
- Limiting access to personal data to only those who need it
- Using reputable third-party service providers with strong security practices
- Regularly updating our website’s software and plugins
Important note: No method of transmission over the Internet is 100% secure. While we strive to protect your personal information, we cannot guarantee its absolute security.
9. Do We Transfer Data Outside Your Country?
As a global blog, we may transfer your personal information to countries outside your home country, including:
- Singapore (where our creator is based and where A2 Hosting’s servers may be located)
- United States (where some of our service providers – e.g., Google, ConvertKit, AdSense – are headquartered)
- Malaysia (as a target audience region)
When we transfer personal data out of Singapore or Malaysia, we ensure that:
- The receiving party provides a level of protection comparable to Singapore’s PDPA or Malaysia’s PDPA (as applicable), or
- We have obtained your consent, or
- The transfer is necessary for the performance of a contract with you (e.g., sending you a newsletter you requested)
For users in the European Union (if any), we rely on Standard Contractual Clauses approved by the European Commission for transfers of personal data to countries not deemed adequate.
10. Your Rights (Singapore, Malaysia, and Global)
Depending on where you are located, you may have certain rights regarding your personal information.
For users in Singapore (under the PDPA):
| Right | Description |
|---|---|
| Access | Request a copy of your personal data we hold |
| Correction | Request correction of inaccurate personal data |
| Withdrawal | Withdraw your consent for processing (where consent is the legal basis) |
| Complaint | Lodge a complaint with the Personal Data Protection Commission (PDPC) |
For users in Malaysia (under the PDPA):
| Right | Description |
|---|---|
| Access | Request access to your personal data |
| Correction | Request correction of inaccurate or outdated personal data |
| Withdrawal | Withdraw your consent for processing |
| Complaint | Lodge a complaint with the Department of Personal Data Protection (JPDP) |
For users in California, USA (under the CCPA):
You have the right to:
- Know what personal information we collect about you
- Request deletion of your personal information
- Opt out of the “sale” of your personal information (we do not sell personal data)
- Not be discriminated against for exercising your rights
For users in the European Union (under GDPR):
You have the right to:
- Access, correct, or delete your personal data
- Restrict or object to processing
- Data portability
- Lodge a complaint with your local supervisory authority
How to Exercise Your Rights
To exercise any of these rights, please contact us using the information in Section 12. We will respond within 30 days (or as required by applicable law).
We may need to verify your identity before processing your request.
11. Children’s Privacy
Finance Mojito is not intended for children under the age of 16. We do not knowingly collect personal information from children under 16.
If you believe a child under 16 has provided us with personal information, please contact us immediately, and we will delete that information.
12. Contact Information
If you have any questions about this Privacy Policy, or if you wish to exercise any of your rights regarding your personal data, please contact us via the contact form on our website.
We aim to respond to all legitimate requests within 30 days. If your request is complex or you have made multiple requests, we may take longer (up to 60 days) and will notify you.
13. Changes to This Privacy Policy
We may update this Privacy Policy from time to time to reflect changes in our practices, legal requirements, or for other operational reasons.
When we make changes, we will:
- Update the “Last updated” date at the top of this page
- Notify subscribers via email (if the change is significant)
- Encourage you to review this page periodically
Your continued use of Finance Mojito after any changes indicates your acceptance of the updated Privacy Policy.
14. Legal Disclaimers
We may disclose your personal information if required to do so by law (e.g., to comply with a court order, subpoena, or government investigation) or if we believe in good faith that such disclosure is necessary to:
- Protect our legal rights
- Protect the safety of our users or the public
- Investigate fraud or security issues
Finance Mojito is a personal blog operated privately. We are not a licensed financial institution, and this Privacy Policy applies solely to our website and interactions directly with us.
