Cookie Policy
Last updated: September 2026
Introduction
This Cookie Policy explains how InsurTool ("Company," "we," "us," or "our") uses cookies and similar technologies on our website. This policy applies to all visitors to our website at insurtool.com.
Analytics and advertising cookies are set only after you choose to allow them in our consent notice. Before you make a choice, the site stores nothing beyond the preference items listed below. You can change or withdraw your choice at any time using the “Cookie settings” link in our footer.
What Are Cookies?
Cookies are small text files stored on your browser or device that record information about your visit to a website. Cookies serve various purposes, including remembering your preferences, analyzing website traffic, and personalizing your experience.
Similar technologies include:
- Web beacons: Small graphic files that track interactions on web pages
- Pixel tags: Small code snippets that enable third parties to track user activity
- Local storage: Browser-based storage that persists data on your device
- Session storage: Temporary storage that is deleted when you close your browser
Types of Cookies We Use
Essential Cookies
These cookies are necessary for our website to function properly. They enable core functionality such as page navigation, form submissions, and security features. These cookies cannot be disabled through our consent tool.
| Cookie Name | Purpose | Duration |
|---|---|---|
| insurtool-consent-v2 (local storage) | Stores your cookie/analytics/advertising choice so we do not ask again | Until cleared |
| color-theme (local storage) | Remembers whether you chose light or dark mode | Until cleared |
These are the only storage items set before you make a choice. There are no login sessions, because this site has no accounts.
Analytics Cookies
These cookies help us understand how visitors interact with our website by collecting information anonymously. We use this information to improve our website and user experience.
| Cookie Name | Purpose | Duration |
|---|---|---|
| _ga | Google Analytics: Distinguishes users | 2 years |
| _ga_* | Google Analytics: Preserves session state | 2 years |
| _gid | Google Analytics: Distinguishes users (daily) | 24 hours |
| _gat | Google Analytics: Throttles request rate | 1 minute |
Functional Cookies
These cookies enable enhanced functionality and personalization on our website. They may be set by us or by third-party service providers whose services we have added to our pages.
| Cookie Name | Purpose | Duration |
|---|---|---|
| color-theme | Stores your preferred color scheme (light/dark) | 1 year |
| calculator_state | Remembers your calculator inputs during a session | Session |
Advertising Cookies
This site is supported by advertising served through Google AdSense. Google and the vendors in its advertising ecosystem may set cookies on your browser to serve ads, cap how often you see the same ad, and measure performance. Where personalised advertising is used, they also use cookies to make ads more relevant to you based on your visits to this and other sites.
| Cookie Name | Purpose | Duration |
|---|---|---|
| __gads / __gpi | Google: ad serving, frequency capping and measurement | Up to 13 months |
| IDE / test_cookie | Google DoubleClick: checks whether the browser accepts cookies and records ad interactions | Up to 13 months |
| _gcl_au | Google Ads: measures conversion attribution | 90 days |
| Partner cookies | Set by third-party vendors and ad networks serving through this site; governed by each vendor's own policy | Varies |
These cookies are set only after you accept advertising cookies in our consent notice. If you reject them, ads are still shown, but they are served without advertising cookies. You can also opt out of personalised advertising at any time through Google's Ads Settings, aboutads.info/choices or, in the EU, youronlinechoices.eu.
How to Control Cookies
Cookie Consent Tool
When you first visit our website, you will see a cookie consent banner. You can:
- Accept All: Allow all cookies, including analytics and functional cookies
- Reject Non-Essential: Only allow essential cookies needed for website functionality
- Customize: Select which categories of cookies you wish to allow
You can change your preferences at any time using the link in our footer.
Browser Controls
You can also control cookies through your browser settings. Most browsers allow you to:
- View and delete individual cookies
- Block third-party cookies
- Set rules for specific websites
- Clear all cookies when you close your browser
Please note that disabling cookies may affect the functionality of our website, including features that require remembering your preferences or maintaining your session.
Do Not Track and Global Privacy Control
We honour the Global Privacy Control (GPC) signal. If your browser or extension sends GPC, we treat it as a standing opt-out: analytics and advertising scripts are not loaded, and the consent notice is not shown again. We also support the “Do Not Sell or Share My Personal Information” right in the notice for California residents. Classic “Do Not Track” (DNT) headers are not interpreted, because no common standard exists for them; if your browser offers GPC, prefer that.
Third-Party Cookies
We use services from third-party providers that may set their own cookies on our website. These third parties have their own privacy policies and cookie practices, which we encourage you to review:
- Google Analytics — Google Privacy Policy. Configured with IP anonymisation and loaded only with your consent.
- Google AdSense and its advertising partners — how Google uses data from sites that use its services.
- Web3Forms — processes contact-form submissions so we can reply to you. See web3forms.com/privacy.
We do not sell personal information. Where advertising cookies could amount to “sharing” for cross-context behavioural advertising under the CPRA, you can opt out through the notice or via GPC.
Cookie Retention
The retention period for cookies varies depending on the type of cookie:
- Session cookies: Deleted when you close your browser
- Persistent cookies: Remain on your device for the specified duration (up to 2 years)
Changes to This Policy
We may update this Cookie Policy from time to time. We will notify you of any material changes by posting the updated policy on our website and updating the "Last updated" date. We encourage you to review this policy periodically.
Contact Us
If you have any questions about this Cookie Policy or our use of cookies, please contact us at:
Email: team@insurtool.com