This Cookie Policy explains how ABCLower.com (“ABCLower,” “we,” “our,” or “us”) uses cookies and similar tracking technologies on our Website. This policy should be read in conjunction with our Privacy Policy.

1. What Are Cookies?

Cookies are small text files that are placed on your device when you visit a website. They help the site function properly, remember your preferences, improve performance, and provide analytics.

Cookies may be:

• Session cookies – deleted when you close your browser

• Persistent cookies – remain stored for a set period

• First-party cookies – placed by ABCLower

• Third-party cookies – placed by external services like analytics or advertising partners

2. Types of Cookies We Use

ABCLower.com uses the following categories of cookies:

A. Strictly Necessary Cookies

These cookies are essential to operate the Website and enable core features such as:

• Secure browsing

• Page navigation

• Form submissions

• Session management

These cookies cannot be disabled through our Website, but you may disable them in your browser settings (may impact functionality).

B. Performance & Analytics Cookies

Used to understand how visitors use our Website and improve user experience.

We may use:

• Google Analytics

• Website behavior tracking tools

These cookies collect data such as:

• Page views

• Click paths

• Browser and device information

• Time spent on pages

All analytics data is aggregated and does not identify specific users.

C. Functional Cookies

These cookies help remember user preferences, such as:

• Saved form data (when applicable)

• Language preferences

• Display settings

D. Marketing & Advertising Cookies

ABCLower.com does not sell personal information, but may use limited advertising or remarketing tools such as:

• Google Ads

• Meta (Facebook/Instagram) tracking pixels

• Email remarketing tags

These cookies may track:

• Pages visited

• User interests

• Interactions with ads

• Conversion tracking for our internal marketing purposes

These tools help us deliver more relevant content and measure campaign performance.

3. Third-Party Cookies We Use

We may allow trusted third-party partners to set cookies, including:

• Google (Analytics, Ads, Tag Manager)

• Meta/Facebook

• CRM or marketing automation systems

• Website performance tools (security, uptime monitoring)

These third parties may collect data as described in their own privacy policies.

4. Your Cookie Choices

You have several options for managing cookies:

A. Browser Settings

Most browsers allow you to:

• Block all cookies

• Block third-party cookies

• Delete stored cookies

• Receive alerts before cookies are stored

Check your browser’s documentation for details.

B. Do Not Track (DNT)

Your browser may send a Do Not Track signal.
Our Website does not currently respond to DNT signals due to lack of universal standards, but we honor legally required opt-out rights (e.g., under California law).

C. Analytics Opt-Out Tools

You may opt out of analytics tools such as Google Analytics at:

https://tools.google.com/dlpage/gaoptout

D. Email & Marketing Opt-Out

You may opt out of marketing emails by clicking the “unsubscribe” link or emailing us at:

📧 info@abclower.com

5. Cookies and Personal Information

Cookies may collect personal information as defined under:

• CCPA/CPRA (California)

• Federal lending and privacy regulations

• Other applicable laws

ABCLower.com does not use cookies to collect sensitive personal information such as SSNs or financial account numbers.

Such information is only collected through secure, user-initiated form submissions when applicable to mortgage inquiries.

6. Third-Party Tracking and Do Not Sell/Share Disclosure

ABCLower.com does not sell personal information.
We may use limited cookie-based tracking for internal marketing and analytics, which may be considered “sharing” under certain state privacy laws.

California consumers can review additional rights in our California Privacy Notice.

7. Changes to This Cookie Policy

We may update this Cookie Policy periodically. Changes become effective when posted on this page.

8. Contact Us

If you have questions about this Cookie Policy or our data practices, contact us:

ABCLower.com / ABC GRAND INC
📧 Email: info@abclower.com
📞 Phone: 800-240-0270

Last Updated: Nov 25, 2025