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 and pixels that track user interactions without storing files directly on the device. On an insurance programming platform these files can record details such as login status, selected policy parameters, and navigation paths through complex quotation tools.

Why the site uses cookies and similar technologies

Pagefyvo operates a commercial website focused on insurance programming services in Singapore. Cookies enable core functions such as maintaining secure sessions for users exploring policy calculators, remembering language preferences, and measuring how visitors interact with educational blog content. Without these technologies many features would not function correctly and the site could not deliver personalised yet compliant insurance-related experiences.

Strictly necessary cookies

These cookies are essential for the website to operate. They handle authentication, security tokens, and basic navigation. On this insurance programming site they keep users logged in while they configure coverage options and prevent cross-site request forgery during form submissions. No consent is required under Singapore’s Personal Data Protection Act because these cookies are strictly necessary for service delivery.

Functional cookies

Functional cookies remember choices such as preferred currency for premium estimates or previously viewed insurance product pages. They improve usability without tracking across unrelated sites. These cookies are first-party and persist only as long as needed to provide the remembered settings, typically up to twelve months.

Analytics or performance cookies

Analytics cookies collect aggregated information about how visitors reach and use the site. They help Pagefyvo understand which blog articles on insurance programming attract the most interest and where users encounter difficulties in the quotation flow. Performance data supports improvements to the platform while remaining compliant with Singapore data protection expectations.

Advertising or targeting cookies

These cookies may be used to deliver relevant information about insurance solutions based on prior interactions. They are deployed only after obtaining consent through the site-wide cookie banner. Third-party providers may set such cookies to limit the frequency of promotional messages shown to users interested in risk management tools.

Social-media cookies

If the site integrates limited social sharing features for blog posts, social-media cookies may record sharing activity. These are third-party cookies subject to the privacy practices of the respective platforms. Consent is collected before they are activated.

First-party versus third-party cookies

First-party cookies are set directly by Pagefyvo and relate to core insurance programming functions. Third-party cookies originate from external providers that supply analytics or content delivery services. Both types are listed in the categories above and users can manage preferences for each group through the consent banner.

Session versus persistent cookies and retention

Session cookies expire when the browser closes and are used for temporary tasks such as maintaining a quotation session. Persistent cookies remain on the device for a defined period, often between thirty days and twenty-four months, depending on their purpose. Retention periods are reviewed regularly to ensure they remain proportionate to the insurance service requirements.

Data handled and purpose of each category

Necessary cookies process identifiers needed for security and session continuity. Functional cookies store user-selected settings. Analytics cookies record page views and click paths in aggregated form. Advertising cookies may capture interest signals for compliant marketing. All processing respects the principles of the Singapore Personal Data Protection Act.

Consent or exemption basis under Singapore law

Strictly necessary cookies rely on the exemption for service delivery. All other categories require prior consent collected via the cookie banner. Users may withdraw consent at any time without affecting the lawfulness of processing already carried out. Withdrawal is effected through the same banner mechanism located on every page.

Cookie providers and durations

The following non-exhaustive list summarises typical providers and durations: authentication tokens issued by Pagefyvo last for the duration of the session; analytics identifiers from approved measurement tools persist for up to twenty-four months; functional preference cookies expire after twelve months; any consented advertising identifiers are refreshed every ninety days. Exact names and current durations appear in the consent manager interface.

How the consent manager works

The site-wide cookie banner appears on first visit and allows granular selection of cookie categories. Users can accept all, reject non-essential cookies, or customise choices. Preferences are stored for twelve months and can be revisited via a link in the footer. Changes take effect immediately and previously set cookies are removed where technically feasible.

Browser-level controls and consequences of disabling cookies

Most browsers allow users to block or delete cookies through settings menus. Disabling necessary cookies will prevent login and use of quotation tools. Blocking analytics cookies limits the site’s ability to improve services but does not affect core functionality. Users remain responsible for managing their browser settings in line with their preferences.

International transfers

Some third-party providers may process data outside Singapore. Appropriate safeguards such as contractual clauses are applied. A full explanation of data handling appears in the separate Privacy Policy accessible from the footer.

Policy changes and contact

Pagefyvo may update this Cookies Policy to reflect changes in technology or regulation. The current version always displays the last-updated date at the top. For questions please use the contact form on the Contacts page or reach [email protected], +65 6299 0988, or 138 Market Street, #11-01, CapitaGreen, Singapore 048946. This policy forms part of the broader privacy framework governing insurance programming services in Singapore.