In accordance with the provisions of Article 6 of French Law No. 2004-575 of 21 June 2004 on Confidence in the Digital Economy (LCEN), this notice informs internet users of the identity of the various parties involved in the creation, publication and maintenance of the portal https://creditpoursenior.com.
1. Publisher of the Portal
The website creditpoursenior.com is the exclusive property of:
- Publishing company: VP Limited
- Registered office: 64 Notting Hill Gate, London W11 3HT, United Kingdom
- Registration: Registered with the Registrar of Companies for England and Wales (UK Company Register)
- Telephone: +44 77777 83305
- Contact address: info@creditpoursenior.com
Editorial Management
- Director of Publication and Editor-in-Chief: Mr Nabil Frik
- Correspondence address: c/o VP Limited, 64 Notting Hill Gate, London W11 3HT, United Kingdom
2. Hosting Provider
The technical infrastructure and hosting of the website are provided by IONOS UK:
- Company name: IONOS by 1&1 Limited
- Postal address: Discovery House, 154 Southgate Street, Gloucester, GL1 2EX, United Kingdom
- Telephone support: +44 01452 541285
- Official website: https://www.ionos.co.uk
3. Regulatory Status and Nature of the Content
creditpoursenior.com is an independent information, financial education and analysis platform specialising in financing for people over 50, pre-retirees and seniors.
- Financial independence: The website carries out no banking activity and is not a credit institution, an insurance undertaking or a financing company.
- No brokerage (IOBSP): The website does not act in any capacity as a broker, agent or intermediary in banking transactions and payment services. It holds no registration with the ORIAS register and is not under the direct supervision of either the ACPR (Autorité de Contrôle Prudentiel et de Résolution, the French prudential supervision and resolution authority) or the AMF (Autorité des Marchés Financiers, the French financial markets authority).
- Scope of activity: creditpoursenior.com grants no loans, carries out no solicitation, collects no banking files and performs no credit-granting assessments.
4. Intellectual Property Rights
The entire architecture of the website creditpoursenior.com (texts, analyses, indicative simulators, graphic charters, logos, images and iconography) is protected by international and French laws on copyright and intellectual property (Articles L.111-1 et seq. of the French Intellectual Property Code).
Any reproduction, distribution, modification or exploitation, in part or in full, of the content published on this website is strictly prohibited without the prior written consent of VP Limited. Any unauthorised use constitutes an infringement punishable by the penalties provided for in Articles L.335-2 et seq. of the same Code.
5. Protection of Personal Data (GDPR)
In compliance with the General Data Protection Regulation (GDPR – Regulation (EU) 2016/679) and the amended French “Informatique et Libertés” Act of 6 January 1978:
- Data minimisation principle: Any information collected (when an email is sent to the editorial team) is used exclusively to respond to users’ requests for information.
- Absolute confidentiality: No personal data is sold, rented or passed on to third parties or to credit institutions.
- Your rights: Every user has the right of access, rectification, erasure, restriction and objection with regard to their personal data.
- Exercising your rights: These requests may be made directly by email to info@creditpoursenior.com or by letter sent to the publisher’s registered office.
- Complaint to the CNIL: If you consider that your rights have not been respected, you may lodge a complaint with the CNIL (Commission Nationale de l’Informatique et des Libertés, the French data protection authority – www.cnil.fr).
6. Cookie and Tracker Policy
The website creditpoursenior.com may place trackers (cookies) on your terminal equipment in order to ensure navigation, measure the site’s audience or display tailored advertising spaces.
As soon as you arrive on the website, a consent management panel allows you to accept, refuse or configure the placement of non-essential cookies. You can review your preferences at any time via the “Cookie management” link available at the bottom of every page.
7. Disclaimer of Liability
The guides, comparisons and information published on creditpoursenior.com are prepared in good faith for purely documentary and educational purposes. Although the editorial team takes meticulous care in checking legislative texts and market conditions, the publisher cannot guarantee that the information provided is exhaustive or fully up to date.
Financial, mortgage, notarial or tax decisions taken by internet users cannot engage the liability of the website. Before taking out any credit or making any major change to their assets, seniors are invited to consult qualified professionals (notaries, licensed bank advisers, wealth managers, budget advice centres).