Are Retinol Serums Effective on Upper Eyelids to Improve Loose Skin and Wrinkles?

Most products with retinol in them say to avoid the eye area yet that is the area I most want to address, particularly my upper lids. Is this just a precaution since the eye area is more sensitive? Or does it cause more wrinkles due to the skin being thinner around the eyes? If I choose to use it sparingly and mixed with moisturizer, can it improve loose skin on the upper eyelids? Thank you for your time.

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