Cookies Policy
Last updated: 23/09/2026
What Cookies and Similar Technologies Are
Cookies are small text files placed on your device when you visit a website. They store information such as preferences, login details and browsing behaviour. Similar technologies include web beacons, pixels and local storage that can access or store data on your device. In the context of an insurance finance website operating in Malaysia these tools help deliver secure services while respecting the Personal Data Protection Act 2010.
Why the Site Uses Cookies and Similar Technologies
variabzo uses these technologies to operate essential functions, remember user choices, analyse performance and support legitimate business interests in insurance and finance services. They enable secure logins, personalised policy recommendations and compliance with Malaysian regulatory requirements without storing unnecessary personal data.
Categories of Cookies and Similar Technologies
We categorise cookies as strictly necessary, functional, analytics or performance, advertising or targeting, and social media. Strictly necessary cookies enable core features such as account access and transaction security. Functional cookies remember preferences like language or region. Analytics cookies measure site usage to improve services. Advertising cookies support relevant offers while social media cookies allow content sharing where applicable.
First-Party Versus Third-Party Cookies
First-party cookies are set directly by variabzo and remain under our control. Third-party cookies come from trusted providers such as analytics platforms or payment processors. Both types are used only for stated purposes and subject to the same consent standards under Malaysian law.
Session Versus Persistent Cookies and Retention Periods
Session cookies expire when you close the browser and do not retain data beyond the visit. Persistent cookies remain on your device for a defined period, typically between thirty days and two years depending on purpose. Retention details for each category appear in the table below and are reviewed regularly to ensure compliance.
Data Handled and Purpose of Each Category
Strictly necessary cookies handle session identifiers and security tokens to prevent fraud in insurance transactions. Functional cookies store display preferences and form data. Analytics cookies collect aggregated usage statistics such as page views and click paths. Advertising cookies may process interest categories derived from browsing to present suitable financial products. No category stores sensitive financial details beyond what is required for service delivery.
Consent or Exemption Basis Under Malaysian Law
Strictly necessary cookies operate under the exemption for essential website functions as permitted by the Personal Data Protection Act. All other categories require prior consent collected through the site-wide cookie banner. Consent can be withdrawn at any time via the same banner or browser settings, in line with PDPA principles of notice and choice.
Cookie and Provider Table
- Strictly Necessary – Session ID, Provider: variabzo, Duration: Session
- Functional – Preference Store, Provider: variabzo, Duration: 1 year
- Analytics – Usage Metrics, Provider: Google Analytics, Duration: 2 years
- Advertising – Interest Tags, Provider: Meta Pixel, Duration: 90 days
How the Consent Manager Works and How to Change Choices
The cookie banner appears on first visit and allows selection of categories. Choices are stored for twelve months. To reject, change or withdraw consent return to the banner footer link or clear site data in browser settings. Refusing non-essential cookies may limit personalised insurance quotes and certain interactive features.
Browser-Level Controls and Consequences of Disabling Cookies
Most browsers allow blocking or deleting cookies through privacy settings. Disabling strictly necessary cookies prevents login and policy management. Disabling analytics or advertising cookies reduces site customisation but does not affect core security. Instructions for common browsers are available on their official support pages.
International Transfers
Some third-party providers may process data outside Malaysia. In such cases variabzo ensures appropriate safeguards consistent with PDPA requirements. Details appear in the separate Privacy Policy accessible from the footer.
Policy Changes, Contact Route and Last-Updated Date
We review this policy periodically. Material changes will be notified via the website or email. For questions contact [email protected], 1-300-22-5542 or visit the Contacts page. The current version is dated 23/09/2026.