Cookies Policy

Last updated: 22 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 that can track usage or store information without a traditional file. These tools can record details such as your IP address, browser type, pages visited and time spent on the site. In the context of an insurance health website operating in Singapore, they help manage secure sessions for policy applications and claims submissions.

Why the site uses them

buzzstreamix uses cookies to operate its commercial insurance health platform effectively. They enable users to navigate quote tools, complete application forms and access account dashboards without repeated logins. Without them, core functions like saving progress on a health insurance application would fail, leading to a poorer user experience. Analytics cookies further help refine services based on how visitors interact with health plan comparisons and educational blog content.

Strictly necessary, functional, analytics, advertising and social-media categories

Strictly necessary cookies support login security and form submission for insurance quotes. Functional cookies remember language settings or preferred health coverage filters. Analytics cookies measure visit duration and popular pages such as blog posts on wellness topics. Advertising cookies may track interest in specific policies to show relevant promotions. Social-media cookies could appear if sharing features are used, though customer reviews are disabled on this site. Each category serves distinct purposes tied to delivering reliable health insurance services under Singapore regulations.

First-party versus third-party cookies

First-party cookies are set directly by buzzstreamix and remain within our domain for functions like maintaining your session during a multi-step health insurance application. Third-party cookies come from external providers such as analytics platforms or payment processors. These may be used to verify transactions or gather aggregated performance data. Both types are employed transparently to support the commercial operations of our Singapore-based insurance health business while respecting local data protection expectations.

Session versus persistent cookies and retention periods

Session cookies exist only while your browser is open and are deleted when you close it, commonly used for temporary form data during quote requests. Persistent cookies remain on your device for a defined period, such as 30 days for preference settings or up to 13 months for analytics identifiers. Retention is limited to what is necessary; for example, security cookies may persist for one year to prevent fraud in policy renewals. Expiry dates are chosen to balance convenience with privacy for users engaging with health insurance products.

The data handled and purpose of each used category

Necessary cookies handle authentication tokens and cart-like data for active applications. Functional cookies store display preferences such as font size for accessibility. Analytics cookies process page view counts and referral sources to improve blog articles on health topics. Advertising cookies capture click data to personalise offers for supplementary health riders. All data processed supports the core aim of providing efficient, compliant insurance health services in Singapore without unnecessary collection of personal identifiers beyond what is required for contract performance.

The consent or exemption basis for each category under Singapore law

Under the Personal Data Protection Act and related e-commerce guidelines in Singapore, strictly necessary cookies operate under a legitimate interests exemption because they are essential for site functionality. Other categories require consent, which is obtained via the site-wide cookie banner before non-essential cookies load. Users can grant or withhold agreement for analytics, advertising and social categories. This approach aligns with Singapore’s emphasis on clear notice and choice for commercial websites handling sensitive health-related insurance information.

Cookie or provider table

session_id – purpose: maintain login during applications; provider: buzzstreamix; category: strictly necessary; duration: session
pref_lang – purpose: remember language choice; provider: buzzstreamix; category: functional; duration: 6 months
_ga – purpose: track visit statistics; provider: Google Analytics; category: analytics; duration: 13 months
ad_tracker – purpose: measure campaign effectiveness; provider: advertising partner; category: advertising; duration: 90 days

How the consent manager works and how users can reject, change or withdraw choices

The cookie banner appears on first visit and allows selection of categories via checkboxes. Rejecting non-essential options prevents those cookies from activating. Users may reopen the banner through a footer link at any time to adjust preferences. Withdrawal of consent takes immediate effect for future visits, though previously stored data follows the retention rules outlined above. This manager ensures ongoing control consistent with Singapore consumer protection standards.

Browser-level controls and the functional consequences of disabling cookies

Most browsers offer settings to block or delete cookies entirely. Disabling necessary cookies will prevent login and form completion on our insurance health platform, resulting in an inability to submit applications or view personalised quotes. Blocking analytics cookies simply stops usage data collection but does not affect core access. Users should note that full functionality of a commercial insurance site requires acceptance of essential cookies.

International transfers and cross-reference to the Privacy Policy

Some third-party cookies may transfer data outside Singapore to servers in other countries. Appropriate safeguards such as contractual clauses are applied. For full details on data handling and rights, please refer to our separate Privacy Policy available on the site.

Policy changes, contact route and last-updated date

We may update this Cookies Policy to reflect changes in technology or regulations. The current version is dated 22 September 2026. For questions, please use the contact form on our Contacts page or reach buzzstreamix at [email protected], 75 Bras Basah Road, Income Centre, Singapore 189557 or 6788 1777. Continued use of the site after updates constitutes acceptance of the revised terms.