Cookie Policy

Last Updated: January 1, 2025

Understanding Cookies and Similar Technologies

This Cookie Policy explains how RetireMap Japan ("we," "us," or "our") uses cookies and similar tracking technologies on our website and services. This policy should be read in conjunction with our Privacy Policy, which provides additional details about how we collect, use, and protect your personal information.

By continuing to use our website and services, you consent to our use of cookies as described in this policy. You can manage your cookie preferences at any time through our cookie banner or your browser settings.

What Are Cookies

Cookies are small text files that are stored on your device (computer, tablet, or mobile phone) when you visit a website. Cookies allow websites to recognize your device and remember information about your visit, such as your preferences, login status, and browsing activity.

Cookies can be "session cookies" (which are deleted when you close your browser) or "persistent cookies" (which remain on your device for a set period or until you delete them). They can also be "first-party cookies" (set by us) or "third-party cookies" (set by other organizations whose services we use).

How We Use Cookies

We use cookies for several important purposes:

Essential Functionality: Some cookies are necessary for our website to function properly. These cookies enable core features like user authentication, account access, security measures, and the ability to use our pension calculators and planning tools. Without these cookies, certain features of our services cannot be provided.

Performance and Analytics: We use cookies to understand how visitors use our website, including which pages are most popular, how long users spend on different sections, and where users experience difficulties. This information helps us improve our services and user experience.

Personalization: Cookies help us remember your preferences and settings, such as language selection, display settings, and previously entered data in our calculators. This allows us to provide a more personalized and convenient experience.

Security: We use cookies to enhance the security of our services, including detecting and preventing fraudulent activity, protecting against unauthorized access, and verifying user identity.

Types of Cookies We Use

We categorize our cookies into the following types:

Strictly Necessary Cookies: These cookies are essential for our website to operate. They include authentication tokens that keep you logged in, session identifiers that maintain your connection to our servers, and security cookies that protect against cross-site request forgery attacks. These cookies do not store any personally identifiable information and cannot be disabled.

Performance Cookies: These cookies collect information about how you use our website, such as which pages you visit and any errors you encounter. The data is aggregated and anonymized. We use this information to improve how our website works and to identify areas where users may need additional support or features.

Functional Cookies: These cookies allow our website to remember choices you make (such as your user name, language preference, or the region you are in) and provide enhanced, more personalized features. They may also be used to provide services you have requested, such as saving your retirement planning scenarios.

Analytics Cookies: We use analytics cookies to understand user behavior patterns, measure the effectiveness of our content, and identify trends in how our retirement planning tools are used. This helps us optimize our services and develop new features that meet user needs.

Third-Party Cookies

In addition to our own cookies, we may use third-party cookies from trusted service providers:

Web Analytics Services: We may use analytics services to track and analyze website usage. These services use cookies to collect information such as page views, session duration, bounce rates, and user demographics (in aggregated form).

Payment Processors: When you make a payment for our subscription services, our payment processors may set cookies to facilitate secure transactions and prevent fraud.

Customer Support Tools: We use third-party tools to provide customer support, including chat widgets and ticketing systems, which may use cookies to maintain conversation history and improve support quality.

These third-party providers are carefully selected and contractually required to protect your data and use it only for the purposes we specify. However, we do not control their cookies, and you should refer to their privacy policies for more information.

Cookie Duration and Persistence

Different cookies have different lifespans:

Session Cookies: These are temporary cookies that expire when you close your browser. They are primarily used for essential functions like maintaining your login session and security.

Persistent Cookies: These cookies remain on your device for a specified period, which can range from a few days to several years. We use persistent cookies to remember your preferences, keep you logged in across sessions (if you choose), and analyze long-term usage patterns.

We regularly review our cookie usage and delete or expire cookies that are no longer necessary. You can also manually delete cookies through your browser settings at any time.

Managing Your Cookie Preferences

You have several options for managing cookies:

Cookie Banner: When you first visit our website, you will see a cookie banner that allows you to accept all cookies, reject non-essential cookies, or customize your preferences. You can change your preferences at any time by clicking the cookie settings link in our website footer.

Browser Settings: Most web browsers allow you to control cookies through their settings. You can typically set your browser to refuse all cookies, accept only certain cookies, or notify you when a cookie is being set. Please note that if you disable essential cookies, some features of our website may not function properly.

Browser-specific instructions: For information on managing cookies in specific browsers, please visit: Chrome (chrome://settings/cookies), Firefox (about:preferences#privacy), Safari (Preferences > Privacy), Edge (edge://settings/privacy).

Mobile Devices: If you access our website through a mobile device, refer to your device's settings to manage cookies and tracking preferences.

Web Beacons and Pixel Tags

In addition to cookies, we may use web beacons (also known as pixel tags or clear GIFs) on our website and in our emails. Web beacons are tiny graphics with a unique identifier that track when emails are opened or when specific pages are viewed.

We use web beacons to measure the effectiveness of our email communications, understand which content is most engaging, and improve our services. Web beacons are typically used in conjunction with cookies; if you disable cookies, the web beacons may still load but will not track your activity.

Local Storage and Similar Technologies

We may also use other browser storage technologies, such as local storage and session storage, which allow us to store data locally on your device. These technologies are similar to cookies but can store larger amounts of data.

We use local storage to save your retirement planning scenarios, calculator inputs, and user preferences. This allows you to resume your work without re-entering data each time you visit our website. Local storage does not expire automatically but can be cleared through your browser settings.

Do Not Track Signals

Some web browsers have a "Do Not Track" (DNT) feature that signals to websites that you do not want to be tracked. Currently, there is no industry standard for how to respond to DNT signals. At this time, our website does not respond to DNT signals, but you can use the cookie management options described above to control tracking.

We respect your privacy choices and will update our practices if a clear DNT standard emerges in the future.

Cookies and Personal Information

Most cookies we use do not directly contain personal information. However, when combined with other data, cookies may be used to identify you. For example, if you are logged into your account, cookies may be linked to your account information.

We treat cookie data that can be linked to personal information in accordance with our Privacy Policy. This means we apply the same security measures, retention policies, and privacy rights to cookie-related data as we do to other personal information.

Cookies and Japan's Privacy Laws

Our use of cookies complies with Japan's Act on the Protection of Personal Information and related regulations. We obtain your consent before setting non-essential cookies, provide clear information about our cookie practices, and give you control over your cookie preferences.

If you have questions about how our cookie practices comply with Japanese law, please contact our Data Protection Officer at dpo@delmarwyn.com.

Changes to This Cookie Policy

We may update this Cookie Policy from time to time to reflect changes in technology, legal requirements, or our cookie practices. We will notify you of material changes by posting a prominent notice on our website or by email.

The "Last Updated" date at the top of this policy indicates when it was most recently revised. Your continued use of our website after changes to this policy constitutes your acceptance of the updated policy.

Impact of Rejecting Cookies

If you choose to reject or disable cookies, you may still use our website, but some features may not function properly. You may need to log in each time you visit our website, your preferences may not be remembered, and some interactive features may not work as intended.

Questions and Contact Information

If you have questions about our use of cookies or this Cookie Policy, please contact us:

Email: privacy@delmarwyn.com
Phone: +81 3-5450-5311
Mailing Address: 5 Chome-20-16 Kyodo, Setagaya City, Tokyo 156-0052, Japan