Cookies Policy
Last updated: 22 September 2026.
What Cookies and Similar Technologies Are
Cookies are small text files placed 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 store or access information on your device. These tools can record data such as your IP address, browser type, pages visited, time spent on pages and interactions with forms or buttons. In the context of an Insurance Programming platform, they help maintain secure sessions during policy calculations and quote generation.
Why the Site Uses Cookies
journaflixzo uses cookies to operate the Insurance Programming service reliably. Without them, essential functions such as logging into your account, saving insurance quote progress or preventing fraud during premium calculations would fail. Cookies also support performance monitoring so that the site remains fast when users compare multiple insurance products. They enable the commercial website to function as intended while complying with Singapore’s Personal Data Protection Act.
Categories of Cookies and Their Purposes
Strictly Necessary Cookies
These cookies are required for core site operations. They enable secure login, maintain shopping-cart style quote baskets and protect against cross-site request forgery during insurance form submissions. No consent is sought because these cookies are essential for the service you request.
Functional Cookies
Functional cookies remember your language preference, selected currency for premiums and previous insurance product filters. They improve usability but are not strictly necessary; you may disable them though some convenience features will be lost.
Analytics or Performance Cookies
These cookies collect aggregated information on how visitors navigate the Insurance Programming tools. They measure page load times for quote engines and identify which features are used most often. Data helps journaflixzo improve the platform without identifying individual users.
Advertising or Targeting Cookies
Advertising cookies may be used to limit the number of times you see promotional banners about new insurance programming modules. They do not create detailed profiles for third-party advertising networks on this site.
Social-Media Cookies
If you interact with any embedded social sharing buttons, social-media cookies may be set by the respective platforms. These are outside the direct control of journaflixzo and are governed by the social platform’s own policies.
First-Party versus Third-Party Cookies
First-party cookies are set directly by journaflixzo and relate only to the Insurance Programming domain. Third-party cookies come from external providers such as analytics services or content delivery networks that support secure delivery of policy documents. Both types are listed in the categories above.
Session versus Persistent Cookies
Session cookies exist only while your browser is open and are deleted when you close it. Persistent cookies remain on your device for a defined period or until you delete them. Retention periods for persistent cookies used here range from 30 days for functional preferences to 13 months for certain analytics identifiers, after which they automatically expire or are purged.
Data Handled and Purpose of Each Category
Strictly necessary cookies handle session identifiers and security tokens. Functional cookies store non-sensitive settings such as preferred insurance product categories. Analytics cookies record page views and click paths in aggregated form. Advertising cookies store a random identifier to cap ad frequency. No category collects health or financial details beyond what is necessary for the Insurance Programming service itself.
Consent or Exemption Basis under Singapore Law
Under the Personal Data Protection Act, consent is required before cookies that collect personal data are placed, unless an exemption applies. Strictly necessary cookies rely on the contractual necessity exemption because they enable the service you request. All other categories require your affirmative consent through the site-wide cookie banner. You may withdraw consent at any time without affecting the lawfulness of processing before withdrawal.
Cookie Providers and Durations
- Session identifier – journaflixzo – strictly necessary – expires at end of session
- Quote basket – journaflixzo – strictly necessary – 24 hours
- Language preference – journaflixzo – functional – 365 days
- Analytics identifier – third-party analytics provider – analytics – 13 months
- Ad frequency cap – third-party advertising provider – advertising – 90 days
How the Consent Manager Works
The site-wide cookie banner appears on first visit. You can accept all categories, reject non-essential categories or customise selections. Choices are stored for 12 months. To change preferences later, revisit the banner via the footer link on any page. Withdrawing consent immediately stops the setting of new non-essential cookies.
Browser-Level Controls
Most browsers allow you to block or delete cookies through settings menus. Disabling strictly necessary cookies will prevent login and quote saving on the Insurance Programming platform. Disabling analytics cookies will not stop the site from functioning but will reduce our ability to improve performance. Instructions for popular browsers are available on their official support sites.
International Transfers
Some analytics and advertising providers may process data outside Singapore. journaflixzo ensures appropriate safeguards are in place. Please refer to the Privacy Policy for further details on cross-border transfers.
Policy Changes
journaflixzo may update this Cookies Policy to reflect changes in technology or regulation. The date at the top of the page indicates the latest revision. Continued use of the site after changes constitutes acceptance of the updated policy.
Contact Us
If you have questions about this Cookies Policy or wish to exercise your rights, please contact journaflixzo using the form on the Contacts page or email [email protected]. Our address is 113A Upper Paya Lebar Road, Singapore 534832 and our telephone number is +65 6291 4568.