Effective Date: April 8, 2026

1. Overview
LowerMyDues.com uses cookies, pixels, scripts, and similar technologies (collectively, “cookies”) to recognize your device, understand how the Platform is used, and improve functionality, performance, and user experience.

These technologies support both macro-level insights (overall platform usage, trends, and system performance) and micro-level interactions (specific user activity, session behavior, and feature engagement).

By accessing or using the Platform, you acknowledge and agree to the use of these technologies as described in this Notice.
2. How We Use Cookies
We use cookies to:
– Recognize your device and maintain session continuity
– Remember preferences and previously submitted information
– Support form submissions and platform functionality
– Analyze traffic, usage patterns, and performance at both macro and micro levels
– Improve system reliability and user experience
– Prevent fraud, abuse, and unauthorized access
– Support analytics, marketing, and performance measurement
3. Analytics and Advertising Technologies
We may use third-party technologies, including:
– Google Analytics or similar analytics platforms
– Meta (Facebook) tracking technologies
– Advertising, remarketing, and audience measurement tools

These technologies may:
– Track interactions across sessions, devices, and environments
– Analyze macro-level trends and micro-level behavior
– Measure campaign effectiveness
– Deliver content or advertising based on user activity

Data collected through these technologies may be combined with other information.
4. What Cookies Do
Cookies help:
– Identify returning users
– Maintain consistency across sessions
– Improve responsiveness and usability
– Enable performance tracking at both macro and micro levels

Cookies may be session cookies (expire when your browser closes) or persistent cookies (remain for a defined period).

Cookies may be set by LowerMyDues.com or third parties.
5. Third-Party Cookies
Approved third parties may place cookies when you interact with the Platform.

These parties may collect and analyze data at both macro and micro levels in accordance with their own policies.

LowerMyDues.com does not control and is not responsible for third-party data practices.
6. Data Combination
Information collected through cookies may be combined with information you provide, usage data, and third-party data sources.

This supports both macro-level analysis and micro-level interaction insights.
7. Consent to Cookies
Where required, the Platform may present a cookie consent banner.

By continuing to use the Platform, you consent to the use of cookies as described in this Notice.
8. Impact of Disabling Cookies
If cookies are disabled:
– Certain features may not function properly
– Preferences may not be retained
– Platform performance may be reduced
– Some functionality may be unavailable
9. Managing Cookies
You can manage cookies through browser settings, including blocking or deleting cookies.

Disabling cookies may limit your experience.
10. Do Not Track
The Platform may not respond to Do Not Track signals due to lack of standardization.
11. Security
We implement reasonable safeguards but cannot guarantee absolute security.
12. Updates
This Notice may be updated at any time. Continued use constitutes acceptance.
13. Governing Law
This Notice is governed by the laws of the State of Michigan.
14. Contact
All inquiries must be submitted through the official contact form on LowerMyDues.com.