Last Updated: April 10, 2026
Cookie Policy
This Cookie Policy explains how Mufson Band Insurance Brokerage (“Mufson Band Insurance,” “we,” “us,” or “our”) uses cookies, tracking technologies, and consent-management tools on our website https://mufsonbandinsurance.com. It also describes your rights and choices under GDPR (for EU/EEA/UK visitors), U.S. federal standards, and New Jersey privacy regulations.
This Policy should be read alongside our:
- Privacy Policy
- Opt-Out Preferences Policy
- Terms & Conditions
- Disclaimer
- Imprint
1. What Are Cookies?
Cookies are small text files stored on your device when you visit a website.
They help websites operate efficiently, enhance user experience, and provide analytics to improve performance.
Cookies may be:
- Session cookies — deleted when you close your browser
- Persistent cookies — stored until manually deleted or expired
- First-party cookies — set directly by our site
- Third-party cookies — set by external service providers
Tracking technologies may also include:
- Web beacons
- Pixels
- Tags
- Local storage
- Script-based trackers
2. Why We Use Cookies
We use cookies to support the following purposes:
A. Strictly Necessary Cookies
These cookies are essential for:
- Website security
- Accessing secure features
- Form functionality
- Navigation
- Basic site operation
These cannot be disabled because they are required for the site to function.
B. Performance & Analytics Cookies
Used to understand:
- How users navigate the site
- Which pages are visited
- Time spent on pages
- Website errors
- Device/browser performance metrics
These help us improve:
- Content relevance
- Navigation
- Site reliability
Examples include:
- Google Analytics (if enabled)
- Traffic-assessment tools
- Session measurement trackers
- TrustArc consent-state analytics
These are non-essential and require consent under GDPR.
C. Functional Cookies
These cookies allow us to:
- Remember preferences
- Retain form fields temporarily
- Customize user experience
- Improve accessibility
These may be declined without breaking core functionality but may reduce convenience.
D. Marketing & Advertising Cookies (If Enabled)
We currently do not use behavioral advertising cookies.
If marketing cookies are added in the future, we will:
- Update this Policy
- Require opt-in where required
- Provide clear opt-out tools
3. TrustArc Cookie Consent Management Platform
We use TrustArc to:
- Provide the cookie banner
- Collect and maintain user consent
- Display cookie categories
- Allow granular cookie choices
- Honor opt-out preferences
- Log consent states for GDPR compliance
- Enable users to withdraw or modify consent at any time
TrustArc Enables:
- “Accept All”
- “Decline All” (where legally allowed)
- “Customize Preferences”
- Complete opt-in only for EU/EEA/UK users (GDPR)
- Full documented audit trail of consent states
TrustArc also ensures that:
- Non-essential cookies are not activated until consent is given
- Consent is captured in compliance with global privacy laws
- Users can reopen the preferences panel at any time to edit choices
Your consent choices are stored via a TrustArc cookie or similar tool.
4. Types of Cookies We May Use
The specific cookies in use may change over time.
Typical examples include:
A. Strictly Necessary
- TrustArc core functional cookies
- Session and routing identifiers
- Form-submission support cookies
- Security/authentication related cookies
B. Analytics
- Google Analytics identifiers
- TrustArc consent analytics
- Session measurement cookies
C. Functionality
- Preference cookies
- User settings cookies
- Language/location preference cookies
A complete cookie inventory may be available within the TrustArc dashboard embedded on our site.
5. Third-Party Cookies
Third parties may place cookies on your device for:
- Analytics
- Load balancing
- Performance monitoring
- Consent logging (TrustArc)
We do not control third-party cookies directly. However:
- They cannot activate unless allowed through TrustArc
- You may disable them with TrustArc settings
- You may restrict them through your browser
Examples include (if enabled):
- Hosting providers
- Email marketing platforms
- Embedded content providers
6. Cookie Duration
Each cookie has a defined lifespan:
- Session cookies: removed automatically when the session ends
- Persistent cookies: may last from a few days to several months or years
Durations are visible through TrustArc’s cookie list, where available.
7. How to Manage Cookies
A. Through TrustArc
You can:
- Accept or reject categories of cookies
- Withdraw consent at any time
- Adjust individual preferences
- Access the consent manager anytime via the banner or footer
TrustArc ensures non-essential cookies remain inactive without explicit consent (for GDPR users).
B. Via Browser Controls
Most browsers allow you to:
- Block cookies
- Delete cookies
- Enable “Do Not Track”
- Disable tracking scripts
- Set site-level cookie rules
Instructions vary by browser (Chrome, Safari, Firefox, Edge, etc.).
C. Global Privacy Control (GPC)
Where supported, the website will honor GPC signals for opting out of certain processing categories.
D. Device-Level Settings
Mobile devices may provide additional privacy controls.
8. Cookies & GDPR Compliance
For EU/EEA/UK visitors:
- Non-essential cookies require explicit opt-in
- Consent must be freely given, granular, and revocable
- TrustArc maintains consent logs and provides configuration enforcement
- Consent banners are required to appear until action is taken
- Users may withdraw consent at any time
We do not rely on implied consent for GDPR users.
9. Children’s Data & Cookies
Our website is not intended for children under the age of 16.
We do not knowingly:
- Place cookies for behavioral profiling of children
- Collect data from minors
- Market insurance products to children
If you believe a child’s data has been collected, notify us immediately.
10. International Transfers
If cookies or analytics tools transfer data outside your region (e.g., to the United States):
- GDPR transfer safeguards (SCCs) may apply
- External processors must follow data protection agreements
- Data is handled according to the Privacy Policy
11. Updates to This Cookie Policy
We may update this Policy to reflect:
- Legal changes
- Industry standards
- Changes to analytics tools
- Adoption of new technologies
- Modifications to TrustArc configuration
A new “Last Updated” date will be posted accordingly.
Continued use of the website indicates acceptance of updated terms.
12. Contact Information
For questions about cookies, tracking, or consent preferences, or to exercise your privacy rights, contact:
Mufson Band Insurance Brokerage
49 Oak Street, Suite 2B
Norwood, NJ 07648
United States
Phone: (201) 746-6076
Email: info@mufsonbandinsurance.com