Cookies Policy

Last updated: 23 September 2026

This Cookies Policy explains how fundrixly uses cookies and similar technologies on our website. As an informational resource focused on Insurance Programming in Malaysia, we are committed to transparency under the Personal Data Protection Act 2010 (PDPA) and related consumer protection frameworks. This document details the types of cookies employed, their purposes, retention periods, and the choices available to visitors. It applies to all users accessing our site from Malaysia or elsewhere.

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, session identifiers, and browsing patterns. Similar technologies include web beacons, pixels, and local storage objects that can access or store data on your browser or device. These tools enable websites to recognise returning visitors, maintain functionality, and gather aggregated insights without identifying individuals directly in most cases. In the context of Insurance Programming content, they help deliver relevant educational materials while respecting Malaysian data protection standards.

Why the Site Uses Cookies

We employ cookies to ensure the website operates reliably, to analyse usage patterns for service improvement, and to support non-commercial informational goals. Without these technologies, core features like page navigation and content personalisation based on general interests would not function. Our use aligns with PDPA principles by limiting data collection to what is necessary for the stated purposes and avoiding any commercial exploitation of visitor information.

Categories of Cookies: Strictly Necessary, Functional, Analytics, Advertising, and Social Media

Strictly necessary cookies enable basic site operations such as loading pages and maintaining security. Functional cookies remember user selections like language preferences to enhance usability. Analytics or performance cookies track aggregate visitor behaviour to refine content on Insurance Programming topics. Advertising or targeting cookies are not used on this non-commercial site. Social-media cookies may appear if embedded sharing tools are present, but they are limited and require separate consent where applicable under Malaysian guidelines.

First-Party Versus Third-Party Cookies

First-party cookies originate directly from fundrixly and are used for essential functions like session management. Third-party cookies come from external providers such as analytics services and are employed only for performance measurement. All third-party interactions are vetted to comply with PDPA requirements for data handling and do not involve sharing personal identifiers without safeguards.

Session Versus Persistent Cookies and Retention Information

Session cookies exist only during a single browsing session and are deleted when the browser closes. Persistent cookies remain on the device for a defined period, typically up to 24 months, to remember preferences across visits. Specific retention details appear in the cookie table below. These periods are reviewed regularly to ensure they remain proportionate to the purpose under PDPA.

Data Handled and Purpose of Each Category

Strictly necessary cookies handle device identifiers and security tokens to prevent fraud. Functional cookies store preference settings such as font size or navigation history. Analytics cookies process anonymised IP addresses and page views to understand engagement with Insurance Programming articles. No category collects sensitive personal data such as health or financial details. Purposes are limited to site functionality, content optimisation, and compliance reporting.

Consent or Exemption Basis for Each Category Under Malaysian Law

Under the PDPA, strictly necessary cookies operate under a legitimate interests basis as they are essential for service delivery. Functional and analytics cookies rely on implied consent through continued use after notice via the site-wide cookie banner, with an option to withdraw at any time. Since this is a non-commercial informational site, advertising cookies are exempt from deployment. Visitors may object to analytics processing by adjusting settings, and we honour such requests promptly in line with PDPA access and correction rights.

Cookie or Provider Table

Name: _sessionid - Purpose: Maintains active user session - Provider: fundrixly - Category: Strictly necessary - Duration: Session
Name: pref_lang - Purpose: Stores language preference - Provider: fundrixly - Category: Functional - Duration: 12 months
Name: _ga - Purpose: Distinguishes unique visitors for analytics - Provider: Google Analytics - Category: Analytics - Duration: 24 months
Name: _gid - Purpose: Tracks visitor behaviour within sessions - Provider: Google Analytics - Category: Analytics - Duration: 24 hours

How the Consent Manager Works and User Choices

The site-wide cookie banner allows visitors to accept all non-essential cookies, reject them, or customise preferences by category. Choices are stored via a first-party cookie for 12 months. Users can revisit the banner at any time through the footer link to update or withdraw consent. Withdrawal does not affect previously processed data but prevents future collection in rejected categories.

Browser-Level Controls and Consequences of Disabling Cookies

Most browsers permit blocking or deleting cookies through settings menus. Disabling strictly necessary cookies may prevent site access or core functions such as form submission on the Contacts page. Blocking analytics cookies limits our ability to improve Insurance Programming content but does not impact basic browsing. Instructions for common browsers are available on their respective support sites; however, outcomes vary by device and configuration.

International Transfers and Cross-Reference to Privacy Policy

Some analytics providers may process data outside Malaysia. Transfers occur only with appropriate protections consistent with PDPA Section 129. For full details on data handling practices, please refer to our separate Privacy Policy available on the website.

Policy Changes, Contact Route, and Last-Updated Date

We may update this policy to reflect legal or operational changes. The current version date appears at the top. Significant revisions will be highlighted via the cookie banner or site notices. For questions or to exercise PDPA rights, contact us using the form on the Contacts page or reach [email protected], +603-2935 9948, or Unit 2-1, The Podium, Tower 3, UOA Business Park, No. 1, Jalan Pengaturcara U1/51A, Seksyen U1, Shah Alam 40150 Selangor, Malaysia. This policy was last revised on 23 September 2026.