Cookies Policy

Last updated on 17 September 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 your preferences, login status, and browsing behaviour. Similar technologies include web beacons, pixels, and local storage that can access or store data on your device. On a health insurance site these files help deliver secure services while allowing the operator to understand how visitors interact with policy comparison tools and claim submission pages.

Why the Site Uses Cookies

curtainryze uses cookies to operate its commercial health insurance platform effectively. They enable secure login, remember selected coverage options, measure site performance, and support targeted information about health plans. Without these technologies many core functions would fail and users would need to re-enter details on every visit.

Categories of Cookies Used

The site classifies cookies into strictly necessary, functional, analytics or performance, advertising or targeting, and social-media categories. Strictly necessary cookies allow basic navigation and security features. Functional cookies remember user choices such as language or preferred plan filters. Analytics cookies collect aggregated usage statistics. Advertising cookies may personalise health-plan recommendations. Social-media cookies appear only if sharing features are activated.

First-Party versus Third-Party Cookies

First-party cookies are set directly by curtainryze and relate only to this domain. Third-party cookies come from service providers such as analytics platforms or content-delivery networks. Both types may be present, but third-party cookies are limited to partners that have contractually agreed to Singapore data-protection standards.

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, such as thirty days for preference settings or up to thirteen months for analytics identifiers. Retention periods are chosen to balance user convenience with data-minimisation principles required under Singapore law.

Data Handled and Purpose of Each Category

Strictly necessary cookies handle session identifiers and security tokens to prevent fraud during insurance applications. Functional cookies store form progress and filter selections so users do not lose data mid-process. Analytics cookies record page views and click patterns to improve site navigation. Advertising cookies may capture interest in specific health products to show relevant plan summaries. No category collects medical records directly; any health-related data originates from explicit user input on forms.

Consent or Exemption Basis under Singapore Law

Singapore’s Personal Data Protection Act requires consent for collection of personal data. Strictly necessary cookies are exempt because they are essential for service delivery. All other categories rely on prior consent obtained through the site-wide cookie banner. Users may withdraw consent at any time without affecting the lawfulness of processing already carried out.

Cookie Providers and Durations

Strictly necessary: Session identifier set by curtainryze, duration session only, purpose authentication.
Functional: Preference storage set by curtainryze, duration thirty days, purpose form retention.
Analytics: Usage statistics from a contracted provider, duration thirteen months, purpose performance measurement.
Advertising: Interest signals from an advertising partner, duration ninety days, purpose plan recommendation.

How the Consent Manager Works

The cookie banner appears on first visit and allows granular selection or rejection of non-essential categories. Choices are stored for twelve months. Users can reopen the banner via a link in the footer to change or withdraw consent instantly. No further action is required after updating preferences.

Browser-Level Controls and Consequences

Most browsers let users block or delete cookies through settings menus. Disabling strictly necessary cookies will prevent login and application submission. Blocking analytics or advertising cookies may reduce personalised content but will not stop core insurance services. Instructions for popular browsers are available on their official support pages.

International Transfers

Some service providers may process data outside Singapore. In such cases curtainryze ensures appropriate safeguards consistent with the Personal Data Protection Act. Full details appear in the separate Privacy Policy.

Policy Changes and Contact Route

curtainryze may update this Cookies Policy to reflect legal or operational changes. The current version always appears on this page. For questions please use the contact form on the Contacts page or write to [email protected], telephone +65 6788 1777, or visit 75 Bras Basah Road, Income Centre, Singapore 189557. The footer also contains the full operator details Company Registration Number: T10FC0145E | Licensed by the Monetary Authority of Singapore under the Insurance Act 1966.