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It plays several roles in a formula:

Typical use levels for this ingredient sit around 1-10% and the Cosmetic Ingredient Review Expert Panel has affirmed safety at concentrations up to 25% in leave-on products.

Multiple assessments have found it to be non-irritating and non-sensitizing to most people.

However, there have been some cases of allergic contact dermatitis in patients with chronically compromised skin barriers.

Cetearyl alcohol has a comedogenic rating of 2 and irritancy rating of 1. Both of these numbers come from the 1989 study that used rabbit ears; a "2" means mildly comedogenic and a "1" means low irritancy.

Here's the catch: rabbit skin is more sensitive than human skin and throws a lot of false positives. A 1996 reappraisal found that ingredients rated 1-2 in the rabbit ear tests are generally safe for humans.

Remember comedogenic ratings are unable to assess the entire formula of a product or how it will react on your skin. Just be sure to patch test if you are unsure about certain ingredients.

This ingredient is not fungal acne safe. Cetearyl alcohol is a fatty alcohol with chain lengths that fall within the range that Malassezia can metabolize.

Safety-wise, the CIR Expert Panel has concluded it to be safe in cosmetics when formulated to be non-irritating and non-sensitizing.

Free stearic acid is a C18 fatty acid that the Malassezia yeast can substrate, so this ingredient may not be fungal acne safe.

Titanium dioxide provides broad-spectrum protection mostly in the UVB and UVAII range, with some protection in the UVAI range.

While its UVA protection isn’t as strong as zinc oxide’s, the difference is minor.

A common myth is that mineral UV filters reflect UV light. However, modern research shows titanium dioxide absorbs UV radiation like chemical filters (~95% absorption & 5% reflection).

Thanks to its non-irritating nature, titanium dioxide is suitable for sensitive, acne-prone, or redness-prone skin. It is unlikely to cause "eye sting" like other sunscreen ingredients.

A major drawback of this ingredient is its white cast and thick texture. This is why mineral sunscreens often leave a white cast and are less cosmetically elegant than chemical/hybrid sunscreens.

To improve white cast and spreadability, micronized or nano-sized titanium dioxide is often used.

There are ongoing concerns surrounding nano-titanium oxide's impact on marine ecosystems.

There is no conclusive evidence that any form of titanium oxide (or any other sunscreen ingredients) will cause harm to marine ecosystems or coral reefs. The science is still developing but many consumers are keeping a close eye on this issue.

Please note, many destinations have reef-safety sunscreen rules. For instance, the U.S. Virgin Islands advises all visitors to use non-nano mineral sunscreens.

Nano mineral sunscreens once raised safety concerns about absorption into skin.

Extensive research has shown that they do not penetrate healthy or damaged skin; they remain safely on the surface and the top layer of dead skin (stratum corneum).

You'll likely find titanium dioxide bundled with alumina, silica, or dimethicone. These ingredients help make titanium dioxide highly photostable; this prevents it from interacting with other formula components under UV light.