Last updated: 23 July 2026
The website https://creditpoursenior.com (hereinafter “the Site”) is published by the company VP Limited.
We attach fundamental importance to respecting the privacy and protecting the personal data of our visitors. The purpose of this Privacy Policy is to inform you clearly about how your personal data is collected, processed and protected when you browse our Site, in particular in connection with the use of trackers and the Google AdSense advertising network.
1. Legal and Regulatory Framework
The processing of your personal data is subject to the regulations in force:
- The General Data Protection Regulation (GDPR – Regulation (EU) 2016/679);
- The amended French “Informatique et Libertés” Act No. 78-17 of 6 January 1978;
- The decisions and guidelines of the CNIL (Commission Nationale de l’Informatique et des Libertés) on cookies and other trackers;
- The EU User Consent Policy established by Google.
2. Data Collected and Purposes of Processing
We apply the principle of data minimisation and collect only the data strictly necessary for the proper functioning of the Site.
A. Data collected automatically (cookies and browsing)
While you browse, certain technical information is collected:
- Connection information: IP address (anonymised), type and version of web browser, operating system used, browser language, screen resolution.
- Browsing information: pages viewed, time spent viewing, path through the site, links clicked, site of origin (referrer).
B. Data provided voluntarily
When you contact the editorial team via our email address (info@creditpoursenior.com), we process:
- Your name or pseudonym;
- Your email address;
- The content of your message.
Important information about personal data:
The Site offers information guides on financing for seniors and retirees. The Site will never ask you for confidential banking information, social security numbers or medical data. Please do not send sensitive personal documents in your communications.
3. Google AdSense Advertising and Third-Party Partners
To keep our content free and to fund the writing of our articles, the Site displays advertisements through the Google AdSense service.
A. Role of Google’s advertising cookies
- Third parties, including Google, use cookies to serve tailored ads based on your previous visits to the Site or to other websites.
- The use of advertising cookies enables Google and its partners to show you ads based on your browsing history.
B. Personalised vs non-personalised advertising
- Consent given: If you accept advertising cookies via our consent banner, Google and its partners will display personalised ads related to your interests.
- Consent refused: If you refuse advertising cookies, you will still see ads, but they will be non-personalised (they will depend solely on the contextual content of the page viewed and not on your individual preferences).
C. IAB TCF v2.2 standard and certified CMP
In accordance with European directives and Google’s requirements, the Site incorporates a certified Consent Management Platform (Consent Management Platform – CMP) aligned with the IAB Europe TCF v2.2 framework. This tool allows you to give, customise or withdraw your consent for each partner and each processing purpose.
4. Management of Cookies and Trackers (CNIL Compliance)
A cookie is a text file placed on your device (computer, tablet, smartphone) when you consult an online service.
A. Types of cookies present on the Site
- Strictly necessary cookies (exempt from consent):
- Essential for the technical operation of the Site (security, responsive display, recording of your choice regarding the placement of cookies).
- Audience measurement cookies (statistical analysis):
- Used to measure visitor numbers, traffic and use of the content in order to optimise usability.
- Targeted advertising cookies (Google AdSense and partners):
- Enable the selection, delivery and measurement of advertisements. They are placed only with your prior and explicit consent.
B. How to configure or refuse cookies
- Via our consent management tool (CMP): On your first visit, a banner appears. It allows you to Accept all, Refuse all or Customise your choices. You can change your decision at any time by clicking on the permanent “Cookie management” link located at the bottom of every page of the Site.
- Via your web browser settings:
- Google Chrome: Settings > Privacy and security > Cookies and other site data
- Mozilla Firefox: Options > Privacy & Security > Cookies and Site Data
- Safari: Preferences > Privacy > Block all cookies
- Microsoft Edge: Settings > Privacy, search and services > Cookies
- Via general opt-out tools:
- For managing Google ads: Google My Ad Center (myadcenter.google.com)
- For all participating advertising networks in Europe: Your Online Choices France (www.youronlinechoices.com/fr/controler-ses-cookies/)
5. Data Retention Periods
- Cookie choices: Your decision (acceptance or refusal) is stored for a period of 6 months. Once this period has elapsed, the consent banner will be displayed again.
- Lifetime of advertising and statistics cookies: In accordance with CNIL recommendations, cookies have a maximum lifetime of 13 months after being placed.
- Contact data: Messages sent to info@creditpoursenior.com are kept for a maximum of 3 years from your last contact.
6. Recipients and International Data Transfers
Your personal data is never sold, rented or commercially transferred to third parties.
It is accessible only to:
- The Site’s administration team: the publishing company VP Limited.
- Our technical service providers: our hosting provider IONOS UK (located in the United Kingdom, a country covered by a GDPR adequacy decision of the European Commission).
- Google Ireland Limited / Google LLC: in connection with the operation of the AdSense advertising network (subject to your prior consent).
Where data is transferred outside the European Economic Area (EEA), the transfer is subject to appropriate legal safeguards, such as the European Commission’s Standard Contractual Clauses.
7. Your Rights and How to Exercise Them (GDPR & CNIL)
In accordance with European and French regulations, you have the following rights over your personal data:
- Right of access (Art. 15 GDPR): obtain confirmation that your data is being processed and request a copy;
- Right to rectification (Art. 16 GDPR): request the updating or correction of inaccurate data;
- Right to erasure / right to be forgotten (Art. 17 GDPR): request the deletion of your personal data;
- Right to restriction of processing (Art. 18 GDPR): request the temporary suspension of the processing of your data;
- Right to withdraw consent: withdraw your consent to advertising cookies at any time via the CMP;
- Right to data portability (Art. 20 GDPR): obtain your data in a structured and readable format.
Exercising your rights
For any request relating to your personal data, you can contact our Data Controller:
- By email: info@creditpoursenior.com
- By post: VP Limited, 64 Notting Hill Gate, London W11 3HT, United Kingdom
If, after contacting us, you consider that your rights have not been respected, you retain the right to lodge a complaint with the French supervisory authority:
CNIL (Commission Nationale de l’Informatique et des Libertés)
3 Place de Fontenoy - TSA 80715 - 75334 PARIS CEDEX 07
Website: https://www.cnil.fr
8. Protection of Minors
Our platform offers financial information content intended for adults and seniors. The Site is not intended to collect data relating to minors under the age of 15. If a parent or legal guardian becomes aware that data concerning a minor has been submitted, they may contact us at info@creditpoursenior.com so that it can be deleted immediately.