1. Introduction
This Cookie Policy explains how Zonivas ("we," "us," or "our"), operating as a financial education service at 14/6 Soi Ari 1, Phahonyothin Road, Samsen Nai, Phaya Thai, Bangkok 10400, Thailand, uses cookies and similar tracking technologies when you visit our website at {{DOMAIN}}.
Please read this policy alongside our Privacy Policy and Terms & Conditions. By continuing to use our website after being informed of our cookie practices, you acknowledge having read and understood this policy.
2. What Are Cookies?
Cookies are small text files placed on your device (computer, smartphone, or tablet) when you visit a website. They help websites function correctly, remember your preferences, and provide website owners with information about how their site is used.
Cookies are not programs and cannot carry viruses or install software. They are widely used across the internet and serve important purposes for usability, security, and performance measurement.
Related Technologies
In addition to cookies, we may use similar technologies including:
- Local Storage — browser-based storage used to remember your cookie consent preference across sessions.
- Pixel Tags / Web Beacons — small transparent images embedded in pages or emails that signal when content is loaded, used for conversion tracking by third-party advertising platforms.
- Scripts — JavaScript code provided by analytics and advertising platforms that may set or read cookies on their own domains.
3. Types of Cookies We Use
We group cookies into four functional categories. The table below describes each type and our use of them.
| Category | Purpose | Examples | Consent Required? |
|---|---|---|---|
| STRICTLY NECESSARY | Essential for the website to function. Cannot be disabled without affecting core functionality. | Session state, form security tokens, cookie consent record | No — always active |
| FUNCTIONAL | Remember your preferences and choices to improve your experience on repeat visits. | Language settings, region preferences | Yes |
| ANALYTICS | Help us understand how visitors interact with our website so we can improve content and navigation. | Google Analytics 4 (_ga, _ga_*, _gid) | Yes |
| ADVERTISING | Track visits and conversions from advertising campaigns we may run; allow platforms to measure ad performance. | Meta Pixel (fbp, fbc), Microsoft Clarity/Bing UET | Yes |
4. Specific Cookies in Use
4.1 Strictly Necessary Cookies
| Name | Provider | Purpose | Duration |
|---|---|---|---|
Zonivas_consent | Zonivas (first-party) | Records your cookie consent choice so the banner does not reappear on every visit. | 12 months |
PHPSESSID | Zonivas (first-party) | Standard PHP session identifier required for secure form submission processing. | Session (expires when browser closes) |
4.2 Analytics Cookies
| Name | Provider | Purpose | Duration |
|---|---|---|---|
_ga | Google Analytics 4 | Distinguishes unique users by assigning a randomly generated client ID. | 2 years |
_ga_* | Google Analytics 4 | Maintains session state for the GA4 property. | 2 years |
_gid | Google Analytics 4 | Distinguishes users, refreshed each session. | 24 hours |
_gat | Google Analytics 4 | Used to throttle request rate to Google Analytics. | 1 minute |
Google Analytics data is processed under a Data Processing Agreement with Google LLC. IP addresses are anonymised before storage. For more information, see Google's Privacy Policy.
4.3 Advertising Cookies
| Name | Provider | Purpose | Duration |
|---|---|---|---|
_fbp | Meta Platforms, Inc. | Used by Meta to deliver and measure advertising across Meta's products. | 3 months |
_fbc | Meta Platforms, Inc. | Stores the last click attribution for Facebook ads. | 3 months |
MUID | Microsoft / Bing | Used by Microsoft Advertising to identify unique users and personalise advertising. | 13 months |
_uetsid | Microsoft / Bing UET | Session cookie used for conversion tracking via Microsoft Advertising Universal Event Tracking. | 1 day |
_uetvid | Microsoft / Bing UET | Persistent cookie used for conversion tracking and retargeting across sessions. | 13 months |
Meta cookies are governed by Meta's Privacy Policy. Microsoft cookies are governed by Microsoft's Privacy Statement.
5. Your Cookie Choices
5.1 Our Cookie Consent Banner
When you first visit our website, a cookie consent notice will appear. You may:
- Accept all cookies, including analytics and advertising categories.
- Decline optional cookies, allowing only strictly necessary cookies to be set.
Your choice is stored in a first-party cookie named Zonivas_consent for 12 months. To revisit or change your preference, please clear your browser cookies or contact us directly.
5.2 Browser-Level Controls
All major browsers allow you to view, manage, and delete cookies. Please note that blocking all cookies may affect how our website functions. Instructions for common browsers:
5.3 Opt-Out Tools
You may also opt out of specific third-party tracking using the following tools:
- Google Analytics — Google Analytics Opt-out Browser Add-on
- Meta (Facebook) Ads — Facebook Ad Preferences
- Microsoft Advertising — Microsoft Privacy Ad Settings
- Network Advertising Initiative — NAI Opt-out Tool
- Digital Advertising Alliance — DAA WebChoices Tool
6. Cookies and Personal Data
Some cookies — particularly analytics and advertising cookies — may process data that is considered personal data under Thai law (the Personal Data Protection Act B.E. 2562, "PDPA") and where applicable, under the European Union's General Data Protection Regulation (GDPR).
Where cookies process personal data, our legal basis is your consent (PDPA Section 19; GDPR Article 6(1)(a)). You may withdraw consent at any time by using the opt-out mechanisms described above. Withdrawal of consent does not affect the lawfulness of processing before that withdrawal.
For full details about how we handle personal data, please review our Privacy Policy.
7. Cross-Border Data Transfers
Third-party analytics and advertising cookies may result in data being transferred to and processed in countries outside Thailand, including the United States (Google, Meta, Microsoft). These companies maintain data transfer safeguards through Standard Contractual Clauses, adequacy decisions, or equivalent frameworks. Links to their respective privacy policies and transfer mechanisms are provided in Section 4 above.
8. Do Not Track
Some browsers offer a "Do Not Track" (DNT) signal that, when enabled, sends a request to websites asking them not to track your activity. There is currently no universally accepted technical standard for responding to DNT signals. Our website does not currently alter its behaviour in response to a DNT signal, though you remain free to use the opt-out tools listed in Section 5.
9. Children
Our website is intended for adults. We do not knowingly use cookies to track or collect data from individuals under the age of 20 (the age of majority in Thailand). If you believe a minor has submitted personal data through our website, please contact us and we will take steps to remove that data.
10. Changes to This Policy
We may update this Cookie Policy from time to time to reflect changes in technology, legislation, our operations, or for other legitimate reasons. The "Last updated" date at the top of this page indicates when the most recent revision was made. We encourage you to review this policy periodically.
Where changes are material, we will make reasonable efforts to notify you, such as by displaying a notice on our website.
11. Contact Us
If you have any questions about our use of cookies or wish to exercise any rights in relation to cookie-related data, please contact us:
Zonivas Financial Education
14/6 Soi Ari 1, Phahonyothin Road
Samsen Nai, Phaya Thai
Bangkok 10400, Thailand
Tel: +66 2 619 3247
Email: privacy@{{DOMAIN}}