Effective Date: December 03, 2025
1. Introduction
This Cookie Policy explains how PayDues ("we", "us", "our") uses cookies and similar tracking technologies on our website at https://www.paydues.ng, our web application at https://paydues.ng, our dashboard at https://dashboard.paydues.ng, and other online services (collectively, the "Service").
This Policy should be read together with our Privacy Policy, which explains how we collect, use, and protect your personal data. By using our Service, you agree that we can use cookies in accordance with this Policy. If you do not agree, you should adjust your browser settings or refrain from using the Service.
2. What Are Cookies?
Cookies are small text files that are placed on your device (such as a computer, tablet, or smartphone) when you visit a website or use an online service. Cookies help websites recognize your device and store information about your preferences or past actions.
In addition to standard cookies, we may use similar technologies such as pixels, tags, local storage, and scripts (collectively referred to as "cookies" in this Policy) for similar purposes.
3. Types of Cookies We Use
We use several categories of cookies on the Service. Some cookies are set by us ("first-party cookies"), while others are set by third parties ("third-party cookies"). The main types of cookies we use are:
- Essential (Strictly Necessary) Cookies: These cookies are required for the Service to function properly and cannot be switched off in our systems. They are usually set in response to actions made by you, such as logging in, setting your privacy preferences, or completing forms.
- Analytics and Performance Cookies: These cookies help us understand how visitors use the Service by collecting information such as pages visited, time spent on the platform, and error messages encountered. This data is typically aggregated and used to improve performance and user experience.
- Functionality Cookies: These cookies allow the Service to remember choices you make (such as language, organization, or region) and provide enhanced, more personalized features.
- Marketing and Advertising Cookies: These cookies are used to deliver relevant advertising to you on our platform or on third-party sites, and to measure the effectiveness of our marketing campaigns. They may be set by us or by our advertising and analytics partners.
4. How We Use Cookies
We use cookies on the Service to:
- Authenticate users, maintain sessions, and keep you logged in as you navigate between pages.
- Enable secure payment processing, prevent fraud, and protect user accounts from unauthorized access.
- Remember your preferences (such as language, layout, or previously selected options) to provide a smoother experience.
- Analyze traffic patterns, diagnose technical issues, and measure how users engage with features and content.
- Deliver relevant content and marketing messages, and measure the performance of campaigns.
Where required by law, we will ask for your consent before setting non-essential cookies (such as marketing or certain analytics cookies). You can withdraw or change your consent at any time using your browser settings or applicable in-product controls.
5. Third-Party Cookies
We may allow third-party partners to set cookies on your device when you use the Service. These third parties may include:
- Analytics Providers (for example, tools similar to Google Analytics) that help us understand how users interact with the platform.
- Advertising and Marketing Partners that assist us in delivering and measuring our campaigns across different channels.
- Payment Processors and Security Providers (for example, our payment partners and fraud-prevention services) that support secure payments and risk management.
These third parties may use their cookies to collect information about your online activities over time and across different websites, in accordance with their own privacy and cookie policies. We encourage you to review those policies for more information.
6. Managing Cookies and Your Choices
You have several options for controlling or limiting how cookies are used on your device:
- Browser Settings: Most web browsers allow you to view, delete, or block cookies, and to configure settings for when cookies can be placed. Please refer to your browser's help documentation for specific instructions.
- Private/Incognito Mode: Using a private browsing mode can limit the amount of data stored on your device after you close your session.
- Opt-Out Tools: Some third-party analytics and advertising providers offer their own opt-out mechanisms. Where applicable, we will provide links or references in our Privacy Policy.
Please note that blocking or deleting cookies may affect the functionality of the Service. Essential cookies are required for core features (such as login, security, and payments) and cannot be fully disabled without impacting your experience.
7. Changes to This Cookie Policy
We may update this Cookie Policy from time to time to reflect changes in the cookies we use, our business practices, or applicable laws and regulations. When we make material changes, we will update the "Effective Date" at the top of this page and, where appropriate, provide additional notice (for example, via the Service or by email).
Your continued use of the Service after any changes take effect signifies your acceptance of the updated Cookie Policy.