Traceability & Privacy · RGPD

Cookie Policy

We use cookies to enhance your experience, secure your sessions, and analyze our performance. You have full control over your preferences.

sections

RGPD

compliant

2024

in effect

Our Commitment to Your Privacy

As a digital finance provider, protecting your digital sovereignty is our absolute priority. The trust you place in us is built on total transparency.

We recognize that managing your financial data and browsing behavior is a critical responsibility. Our goal is to translate technical complexity into absolute transparency.

As part of the continuous optimization of our online infrastructure, we utilize tracking technologies. These tools are strategic components that ensure the speed of your simulations and the security of your personal data.

Legal Framework

Our policy strictly complies with the General Data Protection Regulation (GDPR — EU 2016/679) and the ePrivacy Directive.

In accordance with CJEU case law, no non-essential cookies are placed on your device without your explicit and active consent (opt-in).

Technical Definitions

To ensure a clear understanding of this policy, here are the definitions of the tracking technologies used on our platform:

Cookies (HTTP)

Alphanumeric text files placed on your terminal. They remember your credit session so you do not have to re-enter your information at each step of the simulator.

Tracking Pixels

Invisible code elements that measure the effectiveness of our financing offers on partner networks and allow us to adapt our terms to market demand.

Local Storage

Data stored in your browser (localStorage / sessionStorage) to remember your display preferences and consent choices.

Tags & Scripts

Third-party scripts loaded by our platform (analytics, security, CDN performance) that may place their own trackers subject to your consent preferences.

Inventory of Cookies Used

Below is the full and transparent list of cookies used on our platform, their origin, lifespan, and purpose:

Provider	Type	Term	Purpose
VIVIERA FINANCE	Essential	Session	Maintenance of the session and the ongoing credit application.
Cloudflare Inc.	CDN	30 days	Malicious traffic filtering and DDoS protection.
Google Analytics	Analytical	13 months	Analysis of the conversion funnel and user journey improvement.
Hotjar	Analytical	12 months	Heatmapping and navigation behavior analysis.

Managing Your Preferences

You have the right to modify your cookie preferences at any time. Several options are available to you:

Via our consent manager

During your first visit, a consent banner allows you to choose which categories of cookies you accept. You can change these preferences at any time via the link at the bottom of the page.

Via your browser settings

You can set your browser to refuse all or some cookies. Note: disabling essential cookies may affect the functionality of certain platform features.

Via partner opt-out tools

For third-party cookies (Google Analytics, Hotjar), you can use the deactivation tools provided directly by these partners on their respective sites.

Essential Cookies: Non-deactivatable

Cookies strictly necessary for the platform's operation (session security, anti-fraud, application data retention) cannot be disabled as they are indispensable to the service.

Data Protection Officer

Protecting your metadata and information assets is the foundation of our digital ethics. In accordance with GDPR, you have inalienable fundamental rights.

Our Data Protection Officer (DPO) oversees all algorithmic processes. Each request to exercise your rights will be processed within a maximum of 30 calendar days.

Right of access to your data

Right to rectification

Right to erasure (right to be forgotten)

Right to data portability

Right to object to processing

Right to restriction of processing

To exercise any of these rights, please send your request by email to our DPO: info@viviera-finance.com. You may also lodge a complaint with the Information Commissioner's Office (ICO) if you believe your rights are not being respected.