Legal notice

In accordance with French law no. 2004-575 of June 21, 2004 on confidence in the digital economy (LCEN), the following legal information is provided to users of EpargneMalin.fr.

Last updated: June 2026

1. Site publisher

The website EpargneMalin.fr is published by:
Mottalib Radif
Financial information website
Email: contact@epargnemalin.fr
Publication director: Mottalib Radif

The publisher assumes editorial responsibility for all content published on the website, with the exception of results generated by the financial simulators, which depend on data entered by the user and on financial parameters in effect at the date of consultation.

2. Hosting provider

The site is hosted by:
Vercel Inc.
440 N Barranca Ave #4133
Covina, CA 91723, United States
Website: vercel.com

Vercel is a cloud platform for static and serverless deployment. The infrastructure relies on a global edge network that serves pages from the server closest to each visitor. HTTPS is used to encrypt all data in transit. As a technical hosting provider, Vercel does not exercise editorial control over the website's content.

3. Intellectual property

All content on EpargneMalin.fr (texts, simulators, charts, images, source code, calculation algorithms, and design elements) is protected by copyright and intellectual property law. Any reproduction, representation, modification, publication, transmission or distortion, whether total or partial, of the site or its content, by any means whatsoever, is prohibited without the prior written consent of the publisher, except as allowed by applicable fair use provisions.

Users are authorized to browse the website for personal, non-commercial use. Brief quotations for informational purposes are permitted provided the source is credited.

4. Privacy and data protection

EpargneMalin.fr is committed to protecting your privacy. Data entered into our simulators (amounts, rates, durations) is processed exclusively client-side (in your browser). No personal financial data is sent to our servers or stored.The technical architecture is designed according to the principle of "privacy by design."

For complete details on how we handle your data, including analytics, cookies, and your GDPR rights, please see our Privacy Policy.

5. Cookies and local storage

The site may use cookies for analytics purposes (Google Analytics) and for displaying contextual advertising (Google AdSense). A cookie consent banner is displayed on your first visit, allowing you to choose which cookies to accept. Analytics and advertising cookies are only loaded after you give explicit consent.

User preferences (such as dark/light mode and cookie consent choices) may be stored in your browser's localStorage, which is not a cookie and is never transmitted to our servers. You can manage or disable cookies through your browser settings at any time.

6. GDPR rights (EU users)

In accordance with the General Data Protection Regulation (GDPR) and the French Data Protection Act (“Informatique et Libertés”), you have the following rights regarding your personal data:

• Right of access (Art. 15) — obtain confirmation of whether personal data is being processed and access to that data.
• Right to rectification (Art. 16) — obtain correction of inaccurate or incomplete data.
• Right to erasure (Art. 17) — obtain deletion of personal data.
• Right to restriction (Art. 18) — restrict processing in certain cases.
• Right to data portability (Art. 20) — receive data in a structured, commonly used, and machine-readable format.
• Right to object (Art. 21) — object to processing on grounds relating to your particular situation.
• Right to withdraw consent (Art. 7) — withdraw consent at any time where processing is based on consent.

To exercise these rights, contact us at: contact@epargnemalin.fr. You also have the right to lodge a complaint with the CNIL (French data protection authority) at cnil.fr. We undertake to respond within 30 days.

7. Data processors

The following third-party processors may handle data on our behalf:

• Vercel Inc. — Website hosting (United States, EU standard contractual clauses)
• Google LLC — Analytics and advertising (United States, EU standard contractual clauses)

These processors are bound by contractual obligations to protect your data in accordance with GDPR requirements.

8. Limitation of liability

The information and simulators available on EpargneMalin.fr are provided for informational purposes only and do not constitute investment advice. The publisher cannot be held responsible for decisions made on the basis of information provided on this site.

The simulators use simplifying assumptions and projections based on constant rates. Actual results may differ significantly from estimates. The publisher strives to keep information up to date but does not guarantee its accuracy at all times. Tax laws, interest rates, and financial regulations are subject to frequent change.

9. Detailed liability limitation for financial simulators

The simulators available on EpargneMalin.fr are decision-support tools provided for purely informational and educational purposes. They do not constitute financial investment advice within the meaning of Article L321-1 of the French Monetary and Financial Code, nor wealth management advisory services within the meaning of Article L541-1 of the same code. The publisher is not registered with ORIAS as a financial investment advisor (CIF).

The results provided by the simulators are based on clearly identified simplifying assumptions: constant rate of return, absence of financial market fluctuations, stability of tax legislation, fixed management fees. Past performance does not predict future performance. Financial markets carry a risk of capital loss, and euro fund returns are not guaranteed from one year to the next.

The publisher shall not be held liable for any financial loss, lost profits or direct or indirect damage resulting from the use of the simulators or the application of information published on the site. The user acknowledges that simulator results are estimates and not contractual commitments. For any investment decision, the user is invited to consult a registered wealth management advisor (CGP) or financial investment advisor (CIF).

10. Hyperlinks

The site may contain links to other websites. The publisher has no control over the content of these third-party sites and disclaims all responsibility for their content, privacy practices, or availability.

11. Terms of use

Access to EpargneMalin.fr is free and open to any user with internet access. Use of the site implies full and complete acceptance of these legal notices. The user agrees to use the site in accordance with its purpose (educational financial information) and applicable regulations. Users shall not use the site for any unlawful purpose, scrape or systematically access the site without permission, or misrepresent simulator results as professional financial advice.

The publisher reserves the right to modify, suspend or discontinue all or part of the site at any time, without notice and without compensation. The publisher endeavors to ensure the availability of the site but does not guarantee uninterrupted access.

12. Applicable law

These legal notices are governed by French law. In the event of a dispute, the French courts shall have sole jurisdiction, after any attempt at amicable resolution. The potential invalidity of any clause shall not affect the remaining provisions.

13. Contact

For any question regarding these legal notices, you may contact us at: contact@epargnemalin.fr