1. Introduction

This Cookie Policy explains how BIZZER INSURANCE BROKERS ("we", "our", or "us") uses cookies and similar technologies when you visit our website.

By continuing to browse or use our website, you consent to our use of cookies in accordance with this Cookie Policy. You may manage or withdraw your cookie preferences at any time through your browser settings or our cookie consent banner (where available).

2. What Are Cookies?

Cookies are small text files that are stored on your computer, smartphone, tablet or other device when you visit a website.

Cookies help websites to:

• Remember your preferences.
• Improve website functionality.
• Enhance user experience.
• Analyse website performance.
• Improve security.
• Provide personalised content.

Cookies do not normally contain information that directly identifies you, but they may be linked with other information that we hold about you.

3. Why We Use Cookies

BIZZER INSURANCE BROKERS uses cookies to:

• Ensure the website functions correctly.
• Improve website performance.
• Remember your preferences.
• Keep you signed in (where applicable).
• Process online quotations and applications.
• Improve customer experience.
• Measure website traffic.
• Analyse visitor behaviour.
• Detect fraudulent activity.
• Improve website security.

4. Types of Cookies We Use

4.1 Essential Cookies

These cookies are necessary for the operation of our website and cannot be disabled.

Examples include:

• Login authentication.
• Website security.
• Form submission.
• Session management.
• Load balancing.

Without these cookies, certain parts of the website may not function correctly.

4.2 Performance & Analytics Cookies

These cookies help us understand how visitors use our website so that we can improve our services.

They may collect information such as:

• Number of visitors.
• Pages visited.
• Time spent on pages.
• Device type.
• Browser type.
• Referral source.

This information is generally collected in an aggregated or anonymised form.

4.3 Functional Cookies

These cookies remember your preferences and improve your browsing experience.

Examples include:

• Preferred language.
• Region.
• Saved preferences.
• Recently viewed pages.

4.4 Marketing Cookies

With your consent, we may use marketing cookies to:

• Display relevant advertisements.
• Measure advertising effectiveness.
• Limit repetitive advertisements.
• Personalise marketing content.

Marketing cookies will only be used where permitted and with your consent where required.

5. Third-Party Cookies

Our website may use third-party services that place cookies on your device.

Examples may include:

• Google Analytics
• Google Maps
• YouTube
• Facebook
• LinkedIn
• WhatsApp
• Other trusted technology providers

These third parties have their own privacy and cookie policies, and we encourage you to review them.

6. Managing Cookies

Most web browsers allow you to:

• View stored cookies.
• Delete cookies.
• Block cookies.
• Receive notifications before cookies are stored.
• Restrict third-party cookies.

You can manage your browser settings at any time. Please note that disabling certain cookies may affect the functionality and performance of the website.

7. POPIA Compliance

Where cookies collect or process personal information, BIZZER INSURANCE BROKERS will process that information in accordance with the Protection of Personal Information Act, 2013 (POPIA).

Personal information collected through cookies will only be used for legitimate business purposes and handled in accordance with our Privacy Policy.

8. Information We May Collect Through Cookies

Depending on your interaction with our website, cookies may collect:

• IP Address
• Browser Type
• Device Type
• Operating System
• Screen Resolution
• Pages Visited
• Time Spent on Pages
• Click Activity
• Website Navigation
• Referring Website
• General Geographic Location (where available)
• Session Information

This information helps us improve website performance and user experience.

9. Cookie Retention

Session Cookies

These cookies are deleted automatically when you close your browser.

Persistent Cookies

These cookies remain on your device until they expire or are manually deleted.

10. Changes to this Cookie Policy

BIZZER INSURANCE BROKERS reserves the right to amend this Cookie Policy at any time.

Any updates will be published on this page together with the revised effective date.

We encourage users to review this Policy periodically.

11. Contact Us

12. Related Policies

For further information, please also refer to our:

• Privacy Policy
• Terms & Conditions
• PAIA Manual

These documents explain how we collect, process, store and protect your personal information.