buzzbeatro logoGet a Quote

Cookies Policy

Last updated: 25 September 2026

What Cookies and Similar Technologies Are

Cookies are small text files stored on your device when you visit a website. They allow the site to remember actions and preferences over time. Similar technologies include web beacons, pixels and local storage objects. These tools can store or access information such as device identifiers, browsing history, IP addresses and interaction data. In the context of an insurance programming platform, they help maintain secure sessions and deliver personalised policy recommendations without storing sensitive financial details directly in the cookie itself.

Why the Site Uses Cookies

buzzbeatro uses cookies to operate its commercial website effectively. They enable core functions such as user authentication for insurance programming tools, remembering form inputs during quote calculations and measuring site performance. Without these technologies, many interactive features would not function correctly. The site also uses them to comply with Singapore’s Personal Data Protection Act by obtaining consent where personal data is involved.

Categories of Cookies and Similar Technologies

Strictly Necessary Cookies

These are required for the site to function. They handle login sessions, security tokens and basic navigation for insurance programming interfaces. They cannot be disabled without breaking essential services.

Functional Cookies

Functional cookies remember user preferences such as language settings or saved insurance product filters. They improve usability but are not essential for core operation.

Analytics or Performance Cookies

These collect aggregated information on how visitors interact with the blog and programming tools. Data helps identify popular content and improve site speed.

Advertising or Targeting Cookies

Advertising cookies track browsing behaviour to deliver relevant insurance-related promotions. They are used only when consent is given.

Social-Media Cookies

Social-media cookies may be placed by third-party platforms when content is shared. They enable features such as liking blog posts but require explicit consent.

First-Party Versus Third-Party Cookies

First-party cookies are set directly by buzzbeatro and remain under its control. Third-party cookies come from external providers such as analytics services or content delivery networks. Both types are used on this site, with third-party cookies always subject to the same consent rules as first-party ones.

Session Versus Persistent Cookies

Session cookies exist only while the browser is open and are deleted when the session ends. Persistent cookies remain on the device for a defined period, typically between 30 days and 24 months depending on purpose. Retention periods are chosen to balance user convenience with data minimisation principles under Singapore law.

Data Handled and Purpose of Each Category

Strictly necessary cookies process session identifiers and security tokens to keep users logged in during insurance calculations. Functional cookies store preference strings such as selected coverage types. Analytics cookies record page views and click paths without identifying individuals. Advertising cookies may capture interest signals for targeted insurance offers. All categories are limited to what is necessary for the stated purpose.

Consent or Exemption Basis Under Singapore Law

Under the Personal Data Protection Act, strictly necessary cookies are exempt from consent because they are required to provide the requested service. All other categories require prior consent through the site-wide cookie banner. Consent can be withdrawn at any time. The site does not rely on legitimate interests for cookies that collect personal data.

Cookie Provider Table

  • Name: session_id – Purpose: Maintain login – Provider: buzzbeatro – Category: Strictly necessary – Duration: Session
  • Name: pref_lang – Purpose: Remember language – Provider: buzzbeatro – Category: Functional – Duration: 12 months
  • Name: _ga – Purpose: Analytics – Provider: Google Analytics – Category: Analytics – Duration: 24 months
  • Name: ad_tracker – Purpose: Targeted offers – Provider: Third-party ad network – Category: Advertising – Duration: 6 months

How the Consent Manager Works

The cookie banner appears on first visit and allows granular choices for each category except strictly necessary. Users can accept all, reject non-essential cookies or customise selections. Choices are stored for 12 months. To change preferences later, visitors can reopen the banner via the footer link or clear browser data. Withdrawing consent immediately stops further collection by the affected cookies.

Browser-Level Controls

Most browsers allow users to block or delete cookies through settings. Disabling necessary cookies will prevent login and use of insurance programming tools. Blocking analytics cookies may reduce the site’s ability to improve performance. The site provides clear instructions on its Contacts page for users who need assistance adjusting these settings.

International Transfers

Some third-party cookies may transfer data outside Singapore. buzzbeatro ensures appropriate safeguards are in place, consistent with the Personal Data Protection Act. For full details on data transfers please refer to the Privacy Policy available on this site.

Policy Changes and Contact

This Cookies Policy may be updated to reflect changes in technology or law. The current version date appears at the top of the page. For questions about cookies or to exercise data rights, please use the contact form on the Contacts page or email [email protected]. Telephone enquiries can be made on +65 6827 7602 and written correspondence sent to 4 Shenton Way, #21-01 SGX Centre 2, Singapore 068807.