Privacy and Data Protection Policy
Version 2.0 – Revision Date: April 8, 2026
Article 1: Identification of the Data Controller and DPO
The company Rente Richançe (hereinafter referred to as “the Platform”), with its registered office at Tour First, 1 Place des Saisons, 92400 Courbevoie, Paris La Défense, France, acts as Data Controller within the meaning of Regulation (EU) 2016/679 (GDPR). For any questions regarding the management of your personal data, a Data Protection Officer (DPO) can be reached at: [email protected].
Article 2: Categories of Data Collected
To ensure the optimal functioning of its analysis and management services, Rente Richançe collects the following categories of data:
- Identity Data: Name, first names, date and place of birth, nationality, and certified copy of official identity documents (as part of KYC obligations).
- Contact Data: Authenticated email address, active mobile phone number, residential address, and proof of address less than three months old.
- Technical Data and Telemetry: IP addresses, device identifiers, browsing data, connection logs, and metadata of interaction with our interfaces.
- Financial Compliance Data: Information on the origin of funds, investor profiles, and data necessary for compliance with anti-money laundering (AML-CFT) directives.
Article 3: Legal Basis and Purposes of Processing
The processing of your data is carried out on the legal bases provided for by Art. 6 of the GDPR:
- Contract Performance: Account infrastructure management, access to Platform tools, and customer support.
- Compliance with Legal Obligations: Compliance with French financial regulations and the directives of the AMF and Tracfin.
- Legitimate Interest: Platform security against cyberattacks, fraud detection, and technical improvement of analytical tools.
- Consent: For sending newsletters, personalized offers, and the use of non-essential cookies.
Article 4: Data Security and Encryption
Rente Richançe implements institutional-grade security protocols to protect your information against unauthorized access:
- AES-256 Encryption: For the storage of all sensitive data at rest.
- TLS 1.3 Transport: Systematic encryption of data flows between the User and our servers.
- Storage Architecture: Hosting on highly secured servers located exclusively within the European Economic Area (EEA).
Article 5: Retention Period and Archiving
Rente Richançe retains your data only for the period necessary for the described purposes:
- Active Data: For the entire duration of the contractual relationship.
- Regulatory Archives: Retained for a period of five (5) years after account closure, in accordance with legal limitation period obligations and the requirements of the Monetary and Financial Code.
- Trackers (Cookies): Maximum lifespan of 13 months in accordance with CNIL directives.
Article 6: Exercise of Your Rights
In accordance with the GDPR, you have the rights of access, rectification, erasure, restriction, data portability, and objection. These rights can be exercised by contacting our DPO at [email protected]. If you believe your rights are not being respected, you can lodge a complaint with the CNIL (www.cnil.fr).
General Terms of Use (GTU)
GTU | Rente Richançe – Terms of Service and Legal Framework 2026
Access the comprehensive GTU of Rente Richançe. Financial disclaimer clauses, intellectual property, force majeure, and jurisdiction of Paris La Défense.
Version 2.0 – Revision date: April 8, 2026
Article 1: Scope of Application and Binding Force
These General Terms of Use (hereinafter "GTU") exclusively govern the access and use of the website https://rente-richance-platform.com. The use of Rente Richançe's services is strictly conditional on the User's express and prior acceptance of these terms. The Platform reserves the right to modify the GTU at any time to adapt to legal changes.
Article 2: Nature of Services (Execution Only)
Rente Richançe provides an advanced technological interface for market data analysis and annuity simulation.2.1. Absence of Financial Advice: Rente Richançe acts as a provider of technologies and information. It does not provide any financial investment advice (FIA), nor legal or tax advice.2.2. User Autonomy: All data and simulations provided are purely indicative. The User acknowledges acting with total autonomy and assumes full responsibility for their financial decisions.
Article 3: Legal Warning on Major Risks
The User declares to understand and accept the following risks:
Volatility
Financial markets are subject to unpredictable variations.
Loss of Capital
The risk of partial or total loss of invested capital is real and permanent.
No Warranty
Past performance or algorithmic simulations do not guarantee future results.
Article 4: Intellectual Property and Prohibited Uses
The entire Platform, including proprietary algorithms, source codes, logos, and UI/UX interfaces, is the exclusive property of Rente Richançe. The following are formally prohibited:
- Reverse engineering of simulation tools.
- Data extraction (scraping) by unauthorized automated systems.
- Use of the platform for money laundering or fraud purposes.
Article 5: Limitation of Liability and Force Majeure
Rente Richançe's liability cannot be held in case of:
- Service interruption for technical maintenance or third-party network latencies.
- Indirect damages or loss of profits related to the use of Site data.
- Force majeure events as defined by Art. 1218 of the Civil Code (global cyberattacks, network failures, governmental decisions).
Article 6: Indemnification Clause
The User undertakes to guarantee and indemnify Rente Richançe against any legal action or claim resulting from a manifest violation of these Terms of Use or an illicit use of the service.
Article 7: Applicable Law and Exclusive Jurisdiction
These Terms of Use are subject to French Law. Any dispute relating to their validity, interpretation, or execution shall fall under the exclusive jurisdiction of the courts within the jurisdiction of the Paris Court of Appeal, France.