Cookie Policy

You have the right to control which cookies are placed on your device when you visit elmoria.site, and to withdraw or change your consent at any time. You can do this within 30 seconds using the cookie preference banner or settings link available on every page of the site, or by adjusting your browser settings to block or delete cookies. Where cookies are used for analytics or marketing purposes, we will not activate them until you have given consent, and you may withdraw that consent at any time with immediate effect for future sessions.

1. How to Exercise Your Rights and Contact Us

If you have questions about this Cookie Policy, wish to withdraw consent, or want confirmation of which cookies have been set on your device, contact us using the details below. We will respond to any cookie-related query within 5 business days.

2. What Cookies Are and Why We Use Them

Cookies are small text files placed on your device when you visit our website. Elmoria uses cookies and similar technologies (such as local storage) to operate the site reliably, to understand how visitors use our financial consulting services pages, and, where you consent, to support marketing efforts. We process cookie data in accordance with the Protection of Personal Information Act (POPIA) and treat any personal information gathered through cookies (such as an IP address or device identifier) with the same care as other personal information described in our Privacy Policy.

3. Categories of Cookies We Use

3.1 Necessary Cookies

These cookies are essential for the website to function and cannot be switched off in our systems. They are typically set only in response to actions you take, such as submitting our contact form or setting your cookie preferences. Necessary cookies do not require your consent under POPIA because they are required to provide the service you have requested. They include:

• A session cookie that remembers your cookie consent choices for 12 months, after which we will ask you again;
• A security cookie that helps protect the contact form against spam and abuse, retained for the duration of your browsing session;
• A load-balancing cookie set by our hosting provider, retained for the duration of your browsing session.

3.2 Analytics Cookies

With your consent, we use analytics cookies to understand how visitors interact with our pages describing Elmoria's financial consulting services — for example, which service pages are viewed before a visitor submits the contact form or subscribes to our email updates. These cookies collect information such as pages visited, time spent on the site, and general location (city/region level, derived from IP address). Analytics cookies are retained for a maximum of 14 months from the date of your last visit, after which the data is automatically deleted or irreversibly anonymised. You may withdraw consent to analytics cookies at any time via the cookie settings link, with effect from your next page load.

3.3 Marketing Cookies

With your consent, we use marketing cookies to measure the effectiveness of our outreach and, where applicable, to show you relevant information about our consulting services on third-party platforms. These cookies may be set by third-party advertising or social media partners and can track your browsing across other websites. Marketing cookies are retained for up to 6 months from the date they are set. If you subscribed to our email list, we may also use marketing pixels embedded in emails to measure open rates; you can opt out of this tracking at any time by clicking "unsubscribe" in any email, which we will action within 48 hours.

4. Cookies Linked to the Contact Form and Email Subscription

When you complete the contact form on our site, a necessary cookie is used to prevent duplicate submissions and to protect against automated abuse; this cookie expires when you close your browser. When you subscribe to our email updates, we do not set a tracking cookie at the point of subscription itself, but if you consented to marketing cookies, subsequent email opens and link clicks may be tracked as described in section 3.3. You can subscribe without accepting marketing cookies — the two are independent choices.

5. Third-Party Cookies

Some cookies on our site are placed by third-party service providers, including hosting infrastructure providers, analytics providers, and, where applicable, email delivery platforms used for our subscription service. These providers act as operators processing data on our behalf or, in some cases, as independent responsible parties under their own privacy policies. We select providers that offer appropriate safeguards and, where personal information is transferred outside South Africa, we ensure protections consistent with POPIA section 72 are in place.

6. Managing or Withdrawing Consent

You can manage your cookie preferences at any time by:

• Using the cookie settings link available in the site footer, which opens a preference panel where you can toggle analytics and marketing cookies on or off, effective immediately;
• Adjusting your browser settings to block, delete, or be notified of cookies — instructions vary by browser and are usually found under "Privacy" or "Security" settings;
• Contacting us directly at [email protected] to request confirmation of, or removal of, cookie data we hold linked to you; we will respond within 5 business days and complete any deletion request within 30 days.

Please note that disabling necessary cookies may prevent parts of the site, including the contact form, from functioning correctly.

7. Changes to This Policy

We review this Cookie Policy at least once a year and whenever we change the cookies or tracking technologies we use. The current version is always available at elmoria.site/cookies.html, with the effective date noted below. Material changes affecting analytics or marketing cookies will trigger a renewed consent prompt on your next visit.

Effective date: 1 January 2026