Cookies Policy

Last updated: 29 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 objects that can store or access information on your browser or device. These tools can record details such as your IP address, browser type, pages visited and the time spent on those pages. In the context of an informational website focused on insurance programming topics, they help maintain basic functionality without requiring repeated manual input.

Why the Site Uses Cookies and Similar Technologies

This site uses cookies to ensure reliable operation, to understand how visitors interact with articles about insurance programming, and to improve the overall reading experience. Because the site operates as a non-commercial informational resource, cookies are limited to what is necessary for delivering content and gathering anonymous usage statistics. They do not enable personalised advertising or the sale of visitor data.

Strictly Necessary, Functional, Analytics, Advertising and Social-Media Categories

Strictly necessary cookies enable core functions such as page loading and navigation. Functional cookies remember preferences like language selection. Analytics or performance cookies collect aggregated information on how content is accessed, helping identify which insurance programming topics attract more readers. Advertising or targeting cookies are not used on this site. Social-media cookies are also absent because the site does not embed third-party sharing widgets that would transmit data to external platforms.

First-Party Versus Third-Party Cookies

First-party cookies are set directly by studynixra and remain under its control. They handle essential tasks such as session continuity during a single visit. Third-party cookies originate from external service providers that support analytics or content delivery. Any third-party cookies employed here are restricted to those required for performance measurement and are governed by the providers’ own policies, which must comply with Malaysian 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. Persistent cookies remain on your device for a defined period or until you delete them manually. On this site, session cookies typically last for the duration of your visit, while persistent analytics cookies may remain for up to twenty-four months to allow year-over-year comparison of content performance. Exact durations appear in the table below.

Data Handled and Purpose of Each Category

Strictly necessary cookies process minimal technical data such as session identifiers to keep the site responsive. Functional cookies store non-personal choices such as display settings. Analytics cookies handle aggregated metrics including page views and referral sources, always stripped of direct identifiers. No category collects names, contact details or insurance policy information because the site does not process such data.

Consent or Exemption Basis Under Malaysian Law

Malaysia’s Personal Data Protection Act 2010 requires consent for the collection and processing of personal data. Strictly necessary cookies are exempt from prior consent because they are essential for the site to function. All other cookies rely on the consent obtained through the site-wide cookie banner. Visitors may withdraw consent at any time without affecting their ability to access core content. The site does not transfer personal data outside Malaysia without appropriate safeguards.

Cookie and Provider Table

The following table lists the cookies currently in use. Because the site is informational and non-commercial, the list remains short.

Name: _session – Purpose: Maintains active session – Provider: studynixra – Category: Strictly necessary – Duration: Session only
Name: _pref – Purpose: Stores language and display preferences – Provider: studynixra – Category: Functional – Duration: 12 months
Name: _ga – Purpose: Measures anonymous usage statistics – Provider: Google Analytics – Category: Analytics – Duration: 24 months
Name: _gid – Purpose: Distinguishes unique visitors for analytics – Provider: Google Analytics – Category: Analytics – Duration: 24 hours

How the Consent Manager Works and How Users Can Change Choices

The site-wide cookie banner appears on first visit and allows selection of cookie categories. Once choices are saved, a link in the footer re-opens the banner so preferences can be reviewed or altered. Withdrawing consent immediately stops the affected cookies from being set on future visits, although previously stored data may remain until its natural expiry.

Browser-Level Controls and Consequences of Disabling Cookies

Most browsers permit users to block or delete cookies through settings menus. Disabling strictly necessary cookies may prevent pages from loading correctly. Blocking analytics cookies will stop usage data from being collected but will not limit access to articles on insurance programming. Instructions for common browsers are available on their respective support sites.

International Transfers and Reference to the Privacy Policy

Analytics providers may process data on servers located outside Malaysia. Any such transfer occurs under contractual clauses that meet the standards of the Personal Data Protection Act. For further details on data handling practices, please refer to the separate Privacy Policy available on this site.

Policy Changes, Contact Route and Last-Updated Date

This Cookies Policy may be revised when new technologies or legal requirements arise. The date of the most recent update appears at the top of the page. Questions about the policy or requests to exercise data-protection rights can be submitted through the contact form on the Contacts page or by writing to [email protected], Level 28, GTower, 199 Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia or +6011-5457 5705. © 2026 studynixra