Cookie Policy

Last Updated: September 11, 2026

Welcome to Oke Serbanesia (“we,” “us,” “our,” or “this website”), accessible at https://oke.serbanesia.id/.

This Cookie Policy explains how cookies and similar technologies are used when you visit or use our website.

Oke Serbanesia is a finance information website that provides content related to loans, personal finance, financial products, interest rates, borrowing, credit, banking, and other financial topics.

By continuing to use our website, you acknowledge that cookies and similar technologies may be used as described in this Cookie Policy. Where required by applicable law, we will request your consent before using non-essential cookies or similar technologies.

1. What Are Cookies?

Cookies are small text files that are stored on your computer, smartphone, tablet, or other device when you visit a website.

Cookies allow websites to remember information about your visit, such as your preferences, browsing activity, or other settings.

Cookies may be:

First-party cookies — cookies placed by the website you are visiting.
Third-party cookies — cookies placed by third-party services used by the website, such as advertising, analytics, or other technology providers.

Cookies may be session cookies, which expire when you close your browser, or persistent cookies, which remain on your device for a specified period or until you delete them.

2. How We Use Cookies

Oke Serbanesia may use cookies and similar technologies for several purposes, including:

A. Essential Website Functions

Some cookies may be necessary for the website to function properly.

These technologies may help with:

Website security
Page functionality
User preferences
Website performance
Preventing abuse or fraudulent activity
Maintaining basic website operations

These technologies may be used even when advertising cookies are not enabled, where permitted by applicable law.

B. Website Analytics

We may use analytics services to understand how visitors use our website.

Analytics information may include:

Pages visited
Approximate geographic location
Browser and device information
Operating system
Referring website
Time spent on pages
General interaction with the website
Technical information relating to website usage

Analytics information helps us understand website traffic and improve our content and user experience.

3. Google AdSense and Advertising Cookies

Oke Serbanesia may display advertisements through Google AdSense and other advertising technologies.

Google and its advertising partners may use cookies, web beacons, IP addresses, or similar technologies to:

Deliver advertisements
Measure advertising performance
Limit the number of times an advertisement is shown
Detect and prevent invalid traffic and abuse
Provide contextual advertising
Provide personalized advertising where permitted and where the required consent or other legal basis exists

Google explains that AdSense may use cookies when a visitor views a page containing Google advertisements or when Google ad tags are present on a page.

Third-party vendors, including Google, may use cookies to serve advertisements based on a user’s previous visits to this website or other websites.

Google’s advertising cookies may enable Google and its partners to serve advertisements based on a user’s visit to this website and/or other websites.

4. Personalized Advertising

Depending on applicable laws, user choices, and advertising settings, advertisements displayed on Oke Serbanesia may be personalized based on information such as a user’s interests or previous interactions with websites.

Personalized advertising may involve the use of cookies or similar technologies.

Users may control Google’s personalized advertising settings through Google’s advertising settings.

If a user does not consent to personalized advertising where consent is required, advertisements may still be displayed using contextual or other permitted advertising methods.

Google states that users can opt out of personalized advertising through Google’s Ads Settings.

5. Non-Personalized Advertising

Where applicable, Oke Serbanesia may display non-personalized advertisements.

Non-personalized advertising may use contextual information, such as:

The content of the webpage
The topic of the page
General geographic information
Technical information necessary to deliver the advertisement

Non-personalized advertising does not rely on a user’s browsing activity across websites in the same way as personalized advertising.

6. Third-Party Advertising Providers

Oke Serbanesia may work with third-party advertising providers.

These providers may use cookies, web beacons, pixels, IP addresses, or similar technologies to provide, measure, and improve advertisements.

Third-party advertising providers may include Google and other advertising technology providers that may participate in the advertising ecosystem.

Because third-party providers operate independently, their use of cookies and personal information may be governed by their own privacy policies.

We encourage users to review the privacy policies and cookie practices of relevant third-party providers.

7. Google AdSense

Google AdSense is an advertising service provided by Google LLC.

Google may use cookies and similar technologies to serve and measure advertisements displayed on websites participating in Google advertising programs.

Google requires publishers using its advertising products to provide appropriate disclosures regarding cookies and other technologies used in advertising.

For more information about how Google uses information from websites and applications that use its services, users may visit:

How Google uses information from sites or apps that use our services

Users may also review Google’s advertising and privacy controls through Google’s official privacy and advertising settings.

8. Consent Management

Where required by applicable law, Oke Serbanesia may display a cookie or consent notice asking users to choose whether they agree to certain categories of cookies or data processing.

Users may be provided with options such as:

Consent
Do Not Consent
Manage Options
Change Preferences

Your choices may affect whether certain advertising or analytics technologies are used.

For users located in the European Economic Area (EEA), United Kingdom, or Switzerland, Google requires publishers using personalized advertising to follow applicable consent requirements and, where applicable, use a Google-certified Consent Management Platform (CMP) integrated with the IAB Transparency and Consent Framework.

9. Managing Your Cookie Preferences

You can manage or delete cookies through your web browser.

Most modern browsers allow you to:

View stored cookies
Delete cookies
Block cookies
Allow cookies from selected websites
Block third-party cookies
Receive notifications before cookies are stored

Please note that disabling certain cookies may affect the functionality or performance of parts of our website.

You can also manage Google’s advertising personalization settings through Google’s advertising controls.

10. Cookies and Financial Content

Oke Serbanesia provides information about financial topics, including loans, credit, banking, personal finance, interest rates, and related subjects.

Cookies do not mean that Oke Serbanesia automatically knows or stores sensitive financial information about visitors.

We do not intentionally request visitors to provide sensitive financial information merely for the purpose of browsing our informational content.

If you voluntarily submit information through a form, email, comment, or other feature, that information may be handled according to our Privacy Policy.

11. Information We Do Not Intentionally Collect Through Cookies

We do not intentionally use cookies to collect information such as:

Bank account passwords
Credit card passwords
Internet banking passwords
ATM PINs
Financial account login credentials
Other authentication credentials

Visitors should never submit passwords, PINs, or other confidential financial credentials through our website unless a specific service clearly requires such information and provides appropriate security safeguards.

12. IP Addresses and Similar Technologies

Our website and third-party services may process technical information such as IP addresses, browser type, operating system, device information, referring URLs, and other technical identifiers.

This information may be used for purposes including:

Website security
Fraud and abuse prevention
Analytics
Advertising measurement
Website functionality
General geographic targeting
Improving website performance

An IP address may be considered personal information under certain privacy laws.

13. Web Beacons, Pixels, and Similar Technologies

In addition to cookies, Oke Serbanesia or third-party service providers may use technologies such as:

Web beacons
Tracking pixels
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