Umbrella Urban Protect Ultra Light Emulsion SPF 50

In formulas, it's always paired with a separate UVA filter because octinoxate solely protects skin from UVB.

Because it's an oil-soluble liquid, it's easy to blend into the oil phase of lotions/creams and gives a cosmetically elegant feel.

The one quirk about formulating this ingredient is photostability; the molecule slowly changes shape into a less effective version when sunlight hits it. So the longer you're in the sun, the weaker its protection gets. The drop can be more than 30% in some formulas.

It also doesn't play nice with Avobenzone (the common UVA filter) since avobenzone destabilizes octinoxate and the two degrade each other. But don't worry: brands have solved this issue by adding photostabilizers like Tinosorb S to prevent degradation and keep SPF stable under heavy UV exposure.

The maximum allowed level is 10% in the EU and Australia, 7.5% in the US and Canada, and 20% in Japan.

The Cosmetic Ingredient Review Panel has concluded this ingredient to be safe in cosmetics up to 10%.

One last thing worth knowing for context:

Octinoxate has been the subject of ongoing review in Europe where the Scientific Committee on Consumer Safety's (SCCS) 2025 final opinion is that this ingredient is an endocrine-active substance.

Lab and animal studies suggest it can act a bit like a hormone in the body (mildly mimicking estrogen and slightly blocking male hormones). It's important to know this hasn't really been shown to happen in everyday human use.

This ingredient is also banned in Hawaii over coral reef concerns.

This ingredient is commonly used to enhance both UVB and UVA protection due to its unique property in stabilizing avobenzone. It also pulls double duty by boosting water resistance and giving formulas a smooth, spreadable feel.

The EU's Scientific Committee on Consumer Safety (SCCS) has deemed octocrylene to be safe as a UV-filter at concentrations up to 10% (capped at 9% in propellant sprays). The US also permits it up to 10%.

Two things worth knowing:

You'll usually see this ingredient used in concentrations between 2-10% (higher amounts when used as a stabilizer for avobenzone).

Though this ingredient works well with most skin types, some people with sensitive skin may experience a reaction such as allergic rashes, closed comedones, or itchiness.

Because they mirror the lipids naturally found in the deeper layers of your skin, topical phospholipids help reinforce the lipid matrix, reduce transepidermal water loss, and leave skin feeling conditioned.

They're also used to form liposomes, or tiny self-assembling vesible used to stabilize actives like vitamin c or retinol. This helps these ingredients integrate into the upper layers of skin more easily.

Phospholipids are compatible with everything and the CIR Expert Panel has concluded them to be safe at current use levels.

Some types of phospholipids include:

The EU and UK have banned this ingredient in cosmetics since 2020. A separate EU REACH (Registration, Evaluation, Authorisation, and Restriction of Chemicals) rule caps D4 as a trace impurity at under 0.1% in any cosmetic.

In September of 2025, the US EPA's draft TSCA risk evaluation that came out in September 2025 preliminarily found D4 poses "unreasonable risk to human health and the environment". This could lead to restrictions in the next year or so.

The safety profile of this ingredient is reassuring; the US CIR Expert Panel concluded D5 is safe as used in cosmetics and Health Canada concluded that D5 is not harmful to human health or the environment as currently used in cosmetics

There's a study that people mention about D5 in a rat study showing tumors. This study is related to long-term inhalation of high D5 levels.

Regulatory bodies have judged this study to be not applicable in topical skincare since skin absorption of D5 is very low and we're not really inhaling huge amounts of D5.

The only restriction for this ingredient is environmental. The European Chemicals Agency (ECHA) restricted D5 in wash-off cosmetics at or above 0.1% due to their persistence in water.

It is mostly effective at protecting in the UV-A 2 (315-340 nm) range but has a boosting effect in the UV-A 1 (340 - 400 nm) range.

This ingredient is currently available in the EU and Asia, but is awaiting approval in the US and Canada.

Because it has a neutral charge, it is compatible with a wide range of ingredients and stays stable across a broad pH range/water hardiness conditions.

Patch testing has shown it to have the lowest irritation potential among common cleansing surfactants (like SLS).

Typical use levels range from 5-20% in rinse-off cleansers.

One thing worth knowing: The American Contact Dermatitis Society named the parent family, alkyl glucosides, "Allergen of the Year" in 2017. The prevalence of allergy is pretty low but be sure to patch test if you've reacted to "gentle" or sulfate-free cleansers before.

This ingredient is fungal acne safe because the fatty alcohol portion of this ingredient is not within the C11-24 chain length that Malassezia can metabolize.

Xanthan gum is a pretty common and great ingredient. It is a natural, non-toxic, non-irritating ingredient that is also commonly used in food products.

Hydrogenated Polyisobutene is often used as a mineral oil replacement.

The 23 refers to the number of repeating ethylene oxides in the molecule.

As a surfactant, isopentyldiol is a hydrotrope. Hydrotropes help surfactants (cleansing agents) dissolve into water.

According to the manufacturer, using this ingredient with sorbitol boosts skin hydration and helps close cuticles of damaged hair.

This ingredient is water-soluble.

PMMA is also able to enhance the texture of products by add a smooth feel.

The Cosmetic Review Expert Panel has concluded the alkyl benzoate group to be safe as used in cosmetics; it wasn't found to be a skin irritant and unlikely to be absorbed due to its low water solubility.

This report recorded almost 1000 reported uses with concentrations up to 59% in leave-on products but your cosmetics will typically use 0.5-15% depending on the product.

It's often called a "SPF booster": this is because it keeps UV filters properly dissolved and evenly distributed to support a sunscreen's performance. It doesn't actually raise SPF on its own.

Overall, this ingredient is well tolerated.

This ingredient is fungal acne safe because it is an ester of benzoic acid.

Think of this ingredient as two parts stuck together: an oily part and an acid part. Malassezia only gets a meal when it can snip off a fatty acid to eat. With C12-15 Alkyl Benzoate, the acid part is benzoic acid, which isn't a fatty acid and which the yeast can't use as food.

Benzoic acid is actually used as a preservative to stop yeast from growing.

The oily part is a blend of C12-15 fatty alcohols but fatty alcohols in this size range can support only a little Malassezia growth (mostly for one species of Malassezia as well).

In the ingredient, those alcohols stay locked inside the molecule. The yeast can only reach them by snipping the benzoate bond, and that type of bond is harder for it to cut than a normal fatty bond.

So not much gets released. And whatever does get snipped comes packaged with benzoic acid, which discourages yeast growth.

This ingredient has been found to be safe as used in cosmetics, wasn't a skin or eye irritant in clinical patch testing, and wasn't phototoxic.

In a clinical comedogenicity test, this ingredient tested negative so it isn't likely to clog pores.

Typical use levels are about 5-8% for sunscreens + nail products, but can range from 0.005%-8% depending on the product.

Dimethicone comes in different viscosities:

Depending on the viscosity, dimethicone has different properties.

Ingredients lists don't always show which type is used, so we recommend reaching out to the brand if you have questions about the viscosity.

This ingredient is unlikely to cause irritation because it does not get absorbed into skin. However, people with silicone allergies should be careful about using this ingredient.

Note: Dimethicone may contribute to pilling. This is because it is not oil or water soluble, so pilling may occur when layered with products. When mixed with heavy oils in a formula, the outcome is also quite greasy.

This ingredient is volatile which means it will mostly evaporate (but it evaporates slower than older cyclomethicones, like Cyclotetrasiloxane).

Typical concentration ranges from 1-30% depending on if it's being used to tweak the feel of a product or acting as the main emollient.

Polymethylsilsesquioxane has not been shown to clog pores. It has been deemed safe to use up to 55%, but most cosmetics use much less.

If you have concerns about using this ingredient, we recommend speaking with a professional.

Tinosorb M covers a range of 280-400 nm and is photostable. This ingredient is neither oil or water soluble.

Tinosorb M is not available in the US. However, it is available in the EU and Asia.

It's sister, Tinosorb S, is set to be approved in the US by late 2025 (fingers crossed!).

The CIR Expert Panel has confirmed this ingredient to be nontoxic and clinical studies show no sensitization at cosmetic use concentrations.

True allergic reactions are quite rare: a 15-year retrospective study of 6,751 patients found only 0.31% had a positive reaction (and less than half were considered clinically relevant).

It seemed that when sensitization does occur, it's most commonly linked to topical medication (like corticosteroids) and not cosmetics. Allergic contact dermatitis also appears largely limited to individuals with underlying skin conditions.

Overall, propylene glycol is a well-studied ingredient that most people can tolerate without issue.

Another pro?

It's exceptionally photostable, barely degrades in sunlight, and acts as a "bodyguard" for less stable filters.

That's why you'll see it paired with avobenzone or octinoxate; this team up ensures they keep working through sun exposure.

Safety reviews have been reassuring across the board. This ingredient shows low absorption through the skin, rarely irritates, and lab studies found it doesn't act like a hormone in the body (a concern that's been raised about some older sunscreen filters).

On maximum concentrations:

In 2026, the US F.D.A finally added it as an OTC sunscreen ingredient at concentrations up to 6% for adults / children 6 months and older

Sodium Laureth Sulfate is a type of sulfate. It can be drying. We recommend speaking with a professional about using this ingredient if you have concerns.

Human patch tests with a facial lotion containing 1% of this ingredient found no sensitization.

This ingredient is biodegradable and commonly available in natural/COSMOS-certified grades.

This ingredient is not irritating or sensitizing. Recent research also suggests it may have skin-brightening effects through tyrosinase inhibition.

Because it is not a free-fatty acid, this ingredient is fungal acne safe (there's nothing for Malassezia to feed on).

Emollients help hydrate the skin by creating a thin barrier. This thin barrier prevents moisture from escaping.

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.

This ingredient is often coated with metal oxides like titanium dioxide. Trace amounts of heavy metals may be found in mica, but these metals are not harmful in our personal products.

Mica has been used since prehistoric times throughout the world. Ancient Egyptian, Indian, Greek, Roman, Aztec, and Chinese civilizations have used mica.

As a cleansing agent, Potassium Cetyl Phosphate helps gather oils, dirts, and pollutants from your skin. This makes it easier to rinse them away with water.

On top of that, this ingredient can counteract the effects of hard water by binding to the minerals in it.

One thing worth knowing is that Disodium EDTA has been shown to be a mild penetration enhancer. It can help other ingredients absorb into skin more effectively which can be a double-edged sword (great for actives, but can also make the active too strong if you have sensitive skin).

Clinical patch testing showed no significant skin irritation at typical use concentrations and minimal dermal absorption.

You'll most likely see this ingredient near the end of an ingredient list. It's typically found in concentrations less than 1%.