Privacy policy

This privacy policy describes how EpargneMalin.fr collects, uses and protects the personal data of its users, in compliance with the General Data Protection Regulation (GDPR) and the French Data Protection Act.

Last updated: May 2026

1. Data controller

The data controller is the publisher of EpargneMalin.fr.
Contact: contact@epargnemalin.fr

2. Data collected

2.1 Browsing data

When you visit the site, we may automatically collect:

• IP address (anonymized)
• Browser type and operating system
• Pages visited and visit duration
• Traffic source (search engine, direct link, etc.)

2.2 Simulator data

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.

2.3 Cookies

The site uses the following types of cookies:

• Strictly necessary cookies : Required for site functionality (session, preferences). They cannot be disabled.
• Analytics cookies (Google Analytics) : Allow us to understand site usage (number of visitors, most consulted pages, browsing paths). IP addresses are anonymized. You can refuse them.
• Advertising cookies (Google AdSense) : Used to display contextual ads. These cookies may collect browsing information to personalize ads. You can refuse them.

3. Purpose of processing

The data collected is used for:

• Improving the site (browsing analysis, most-consulted content)
• Displaying relevant ads (site funding)
• Responding to your requests (contact by email)

4. Legal basis

Data processing is based on your consent (cookies) and the legitimate interest of the publisher (browsing analysis to improve the site), in accordance with Article 6 of the GDPR.

5. Data retention period

• Analytics cookies: 13 months maximum
• Server logs: 12 months
• Contact emails: 3 years from last contact

6. Your rights

In accordance with the GDPR, you have the following rights regarding your personal data:

• Right of access : Obtain a copy of your data
• Right of rectification : Correct inaccurate data
• Right of erasure : Request deletion of your data
• Right to object : Object to data processing
• Right to data portability : Receive your data in a portable format

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.

7. Processors

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

8. Data security

We implement appropriate technical and organizational measures to protect your data: HTTPS encryption, access restriction, regular security updates. However, no method of electronic transmission or storage is 100% secure.

9. Changes to this policy

We may update this privacy policy to reflect changes in our practices or applicable regulations. The date of last update is indicated at the top of this page. We invite you to consult this page regularly.