Last Updated: January 6, 2026
By accessing or using Patrimoine Nationale AI ("the Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not access or use the Service.
Patrimoine Nationale AI is a cryptocurrency transaction routing service ("crypto funnel") that facilitates the transfer and management of digital assets. The Service does not provide investment advice, financial planning, or portfolio management services.
To use the Service, you must:
The Service is not available to residents or citizens of countries subject to comprehensive sanctions, including but not limited to North Korea, Iran, Syria, Cuba, and Crimea. We reserve the right to restrict access from additional jurisdictions at our discretion.
5.1 You agree to provide accurate, current, and complete information during registration.
5.2 You are responsible for maintaining the confidentiality of your account credentials, including private keys, passwords, and authentication methods.
5.3 You are solely responsible for all activities that occur under your account.
5.4 You must immediately notify us of any unauthorized access or security breach.
5.5 We are not liable for any loss or damage arising from your failure to maintain adequate security.
6.1 Volatility: Cryptocurrency values are highly volatile and can result in significant financial loss.
6.2 Irreversibility: Cryptocurrency transactions are generally irreversible. Once executed, transactions cannot be undone.
6.3 Technical Risks: Blockchain technology is subject to technical failures, network congestion, protocol changes, and other technical issues beyond our control.
6.4 Regulatory Risk: Cryptocurrency regulations are evolving and may affect the availability or legality of the Service in your jurisdiction.
6.5 No Insurance: Unlike traditional bank accounts, cryptocurrency holdings are not insured by any government agency or deposit insurance scheme.
You agree to:
You may not:
9.1 All applicable fees will be clearly displayed before you confirm any transaction.
9.2 Fees are subject to change with reasonable notice posted on the Service.
9.3 You are responsible for all network fees (gas fees, miner fees) associated with blockchain transactions.
9.4 All fees are non-refundable unless otherwise specified.
10.1 We may impose transaction limits for security or regulatory compliance purposes.
10.2 Transaction processing times depend on blockchain network conditions and are not guaranteed.
10.3 We reserve the right to delay or cancel transactions if we suspect fraudulent activity or Terms violations.
You are solely responsible for determining what taxes, if any, apply to your transactions. We are not responsible for determining, collecting, reporting, or remitting taxes arising from your use of the Service.
Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We collect and process personal data in accordance with applicable data protection laws.
All content, features, and functionality of the Service, including but not limited to text, graphics, logos, and software, are the exclusive property of Patrimoine Nationale AI and are protected by copyright, trademark, and other intellectual property laws.
14.1 No Warranty: THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
14.2 No Financial Advice: We do not provide investment, financial, legal, or tax advice. Any information provided through the Service is for informational purposes only.
14.3 Third-Party Services: We are not responsible for the performance, availability, or security of third-party blockchain networks, wallets, or services.
15.1 TO THE MAXIMUM EXTENT PERMITTED BY LAW, PATRIMOINE NATIONALE AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR CRYPTOCURRENCY.
15.2 OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT OF FEES YOU PAID TO US IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY.
15.3 Some jurisdictions do not allow the limitation or exclusion of liability, so these limitations may not apply to you.
You agree to indemnify, defend, and hold harmless Patrimoine Nationale AI, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
17.1 We comply with applicable anti-money laundering (AML) and counter-terrorist financing (CTF) regulations.
17.2 We reserve the right to request additional information to verify your identity and the source of funds.
17.3 We may report suspicious activities to relevant authorities as required by law.
17.4 We may suspend or terminate accounts that fail to provide requested compliance information.
18.1 We reserve the right to suspend or terminate your account at any time for:
18.2 You may terminate your account at any time by contacting customer support.
18.3 Upon termination, you must withdraw all funds within 30 days, subject to applicable laws and pending investigations.
19.1 Governing Law: These Terms shall be governed by and construed in accordance with the laws of [JURISDICTION TO BE SPECIFIED], without regard to conflict of law principles.
19.2 Arbitration: Any dispute arising from these Terms shall be resolved through binding arbitration in accordance with [ARBITRATION RULES TO BE SPECIFIED], except where prohibited by law.
19.3 Class Action Waiver: You agree to resolve disputes on an individual basis and waive the right to participate in class actions or collective proceedings.
We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to acts of God, war, terrorism, cyber attacks, government actions, blockchain network failures, or technical infrastructure failures.
21.1 We reserve the right to modify these Terms at any time.
21.2 We will provide notice of material changes by posting the updated Terms on the Service and updating the "Last Updated" date.
21.3 Your continued use of the Service after changes constitutes acceptance of the modified Terms.
21.4 If you do not agree to the modified Terms, you must stop using the Service.
If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Patrimoine Nationale AI regarding the Service and supersede all prior agreements and understandings.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
For questions about these Terms, please contact us at:
Email: legal@patrimoinenationaleai.com]
BY USING THE SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS AND CONDITIONS.
IMPORTANT NOTICE: Cryptocurrency transactions carry significant risk. You should carefully consider whether using this Service is suitable for you in light of your financial circumstances. Never invest more than you can afford to lose.
Effective Date: January 6, 2026
Version: 1.0
This Anti-Money Laundering (AML) Policy establishes the framework and procedures for Patrimoine Nationale AI ("the Company," "we," "us," or "our") to prevent, detect, and report money laundering and terrorist financing activities in compliance with applicable laws and regulations.
This Policy applies to all employees, contractors, officers, directors, and any third parties acting on behalf of the Company.
Patrimoine Nationale AI is committed to:
We have zero tolerance for money laundering, terrorist financing, and other financial crimes.
This Policy is designed to ensure compliance with applicable laws and regulations, including but not limited to:
The Company designates an AML Compliance Officer responsible for:
AML Compliance Officer:
Email: compliance@patrimoinenatioanle.com]
Senior management is responsible for:
We employ a risk-based approach to AML compliance, considering factors including:
Low Risk:
Medium Risk:
High Risk:
For Individual Customers:
For Business Customers:
We verify customer identity through:
For high-risk customers, we conduct Enhanced Due Diligence including:
We conduct ongoing monitoring of customer relationships:
PEPs include individuals who hold or have held prominent public positions:
For PEPs, we:
We screen all customers and transactions against:
We screen all customers and transactions against:
We conduct sanctions screening:
We do not provide services to customers located in or conducting transactions involving:
We employ automated transaction monitoring systems to detect:
We investigate transactions exhibiting potential red flags, including:
When red flags are identified:
We file Suspicious Activity Reports (SARs) when:
Upon detecting suspicious activity:
For transactions exceeding regulatory thresholds:
We maintain comprehensive records including:
Customer Records (minimum 5 years after account closure):
Transaction Records (minimum 5 years):
All records are securely stored with appropriate access controls and are readily available for regulatory inspection.
All employees receive AML training:
Training covers:
We maintain records of:
Before engaging third parties (payment processors, liquidity providers, technology vendors):
Third-party relationships are reviewed:
An independent audit of the AML program is conducted:
Audits assess:
Audit results are:
We maintain open communication with regulators:
Violations of this Policy may result in:
This Policy is reviewed:
Updates are:
For AML-related questions or to report suspicious activity:
All employees must acknowledge receipt and understanding of this Policy annually. Failure to comply with this Policy may result in disciplinary action up to and including termination.
CONFIDENTIAL: This document contains proprietary information and is for internal use only. Unauthorized disclosure is prohibited.
Document Owner: AML Compliance Officer
Review Frequency: Annual
Next Review Date: January 6, 2027
Last Updated: January 6, 2026
Effective Date: January 6, 2026
Patrimoine Nationale AI ("we," "us," "our," or "Company") is committed to protecting your privacy and ensuring the security of your personal information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our cryptocurrency transaction routing service (the "Service").
By using the Service, you consent to the practices described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not access or use the Service.
We collect personal information that you voluntarily provide when you:
This information may include:
We automatically collect information about your transactions, including:
We automatically collect technical information when you access the Service:
We may receive information from:
We may collect publicly available information about you from:
We use your information to:
With your consent, we may use your information to:
You can opt out of marketing communications at any time by clicking "unsubscribe" in our emails or adjusting your account settings.
For users in the European Economic Area (EEA), we process your personal data based on:
We share information with trusted third-party service providers who assist us:
These providers are contractually obligated to protect your information and use it only for specified purposes.
We may disclose your information to:
We disclose information when:
If we are involved in a merger, acquisition, sale of assets, bankruptcy, or other business transaction, your information may be transferred as part of that transaction. You will be notified of any such change in ownership or control of your personal information.
When you conduct cryptocurrency transactions, certain information is recorded on public blockchain networks and becomes permanently accessible to anyone. This includes:
We cannot control or delete information recorded on blockchain networks.
We may share your information with other parties when you provide explicit consent or direct us to do so.
We may share aggregated or anonymized data that cannot identify you personally for:
We retain your personal information for as long as necessary to:
After retention periods expire, we securely delete or anonymize your information unless:
We implement robust security measures to protect your information:
For cryptocurrency-related operations:
You are responsible for:
Important: No security system is completely impenetrable. While we implement industry-standard security measures, we cannot guarantee absolute security of your information. You use the Service at your own risk.
You have the right to:
To exercise these rights, contact us at privacy@patrimoinenationaleai.com.
You may request deletion of your personal information, subject to:
Note: We cannot delete information recorded on blockchain networks.
You may:
You can opt out of marketing communications by:
You can control cookies through:
Note: Disabling certain cookies may limit Service functionality.
Our Service does not currently respond to "Do Not Track" browser signals, as there is no industry standard for compliance.
Your information may be transferred to and processed in countries other than your country of residence, including:
These countries may have different data protection laws than your jurisdiction.
For transfers from the EEA, we implement appropriate safeguards:
Where required by local law, we may store data within specific jurisdictions or implement data localization measures.
The Service is not intended for individuals under 18 years of age. We do not knowingly collect personal information from minors. If we discover we have collected information from a minor, we will promptly delete it.
If you believe we have collected information from a minor, contact us immediately at privacy@patrimoinenationaleai.com.
We use third-party services that may collect information:
These services have their own privacy policies governing data collection and use.
Most browsers allow you to:
Refer to your browser's help documentation for instructions.
California residents have additional rights under the California Consumer Privacy Act (CCPA):
We do not "sell" personal information as traditionally defined. However, certain data sharing practices may constitute "sale" or "sharing" under CCPA:
To opt out: Email privacy@patrimoinenationaleai.com with "CCPA Opt-Out" in the subject line.
To exercise your California privacy rights:
We will respond within 45 days (with possible 45-day extension).
You may designate an authorized agent to submit requests on your behalf by providing written authorization.
We process your data based on:
For GDPR inquiries, contact our Data Protection Officer:
You have the right to lodge a complaint with your local data protection authority if you believe we have violated your privacy rights.
We may use automated systems to:
You have the right to:
We may update this Privacy Policy to reflect:
We will notify you of material changes by:
Your continued use of the Service after changes constitutes acceptance of the updated Privacy Policy. If you do not agree with changes, you must stop using the Service.
The Service may contain links to third-party websites, services, or applications. We are not responsible for the privacy practices of these third parties. We encourage you to review their privacy policies before providing any information.
For privacy-related questions, requests, or concerns:
Data Protection Officer (GDPR)
California Privacy Requests (CCPA)
Response Time: We aim to respond to all privacy inquiries within 30 days.
Data handling practices may vary by jurisdiction to comply with local laws. Contact us for jurisdiction-specific information.
In the event of a data breach that poses a risk to your rights and freedoms:
Last Updated: January 6, 2026
Effective Date: January 6, 2026
Version: 1.0
By using Patrimoine Nationale AI, you acknowledge that you have read and understood this Privacy Policy and agree to its terms.
Effective Date: January 6, 2026
PLEASE READ THIS RISK DISCLAIMER CAREFULLY BEFORE USING PATRIMOINE NATIONALE AI'S SERVICES. BY ACCESSING OR USING OUR SERVICES, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED ALL THE RISKS OUTLINED BELOW.
Cryptocurrency transactions and digital asset management involve substantial risks. You should carefully consider whether using Patrimoine Nationale AI's services is suitable for you in light of your financial circumstances, investment objectives, and risk tolerance.
YOU SHOULD NEVER INVEST MORE THAN YOU CAN AFFORD TO LOSE.
Cryptocurrencies are considered high-risk investments:
Cryptocurrency investments may not be suitable for all investors, particularly:
Cryptocurrency prices are extremely volatile:
Cryptocurrency markets are susceptible to:
Despite our security measures, risks include:
The regulatory environment for cryptocurrencies is:
Government authorities may:
Patrimoine Nationale AI is subject to:
We rely on third parties who may:
Cryptocurrency markets attract fraudulent activities:
We may experience:
Your account may be suspended or terminated:
We are not liable for failures or delays caused by:
By using Patrimoine Nationale AI, you acknowledge and agree that:
While we cannot eliminate risks, we recommend:
To better understand cryptocurrency risks, we recommend:
This Risk Disclaimer may be updated periodically to reflect:
The "Effective Date" at the top indicates when this version became active. Continued use of our services after updates constitutes acceptance of the revised Risk Disclaimer.
This Risk Disclaimer does not waive any legal rights you may have under applicable consumer protection laws. Nothing in this disclaimer excludes liability that cannot be excluded under applicable law.
If you have questions about the risks associated with our services:
CRYPTOCURRENCY INVESTMENTS ARE HIGHLY SPECULATIVE AND INVOLVE SUBSTANTIAL RISK OF LOSS. ONLY INVEST WHAT YOU CAN AFFORD TO LOSE ENTIRELY.
YOU SHOULD CAREFULLY CONSIDER WHETHER CRYPTOCURRENCY TRANSACTIONS ARE SUITABLE FOR YOU IN LIGHT OF YOUR FINANCIAL CIRCUMSTANCES AND RISK TOLERANCE.
PAST PERFORMANCE IS NOT INDICATIVE OF FUTURE RESULTS. NO GUARANTEE OF PROFIT CAN BE MADE.
BY PROCEEDING TO USE PATRIMOINE NATIONALE AI, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND ACCEPTED ALL RISKS OUTLINED IN THIS DISCLAIMER.
Patrimoine Nationale AI
Effective Date: January 6, 2026
Version: 1.0
Last Updated: January 6, 2026
Effective Date: January 6, 2026
This Cookie Policy explains how Patrimoine Nationale AI ("we," "us," "our," or the "Company") uses cookies and similar tracking technologies on our website, mobile applications, and services (collectively, the "Platform").
This Cookie Policy should be read in conjunction with our Privacy Policy, which provides additional information about how we collect, use, and protect your personal data.
By using our Platform, you consent to the use of cookies as described in this Policy, subject to your cookie preferences and applicable law.
Cookies are small text files that are placed on your device (computer, smartphone, tablet) when you visit a website or use an application. Cookies contain information that is transferred to your device's hard drive and allow websites to recognize your device and remember certain information about your visit.
When you visit our Platform:
Purpose: Essential for the Platform to function properly. Without these cookies, services you have requested cannot be provided.
Examples:
Duration: Session or up to 1 year
Can you disable them? No – these cookies are essential for the Platform to work. Disabling them will prevent you from using our services.
Legal Basis: Strictly necessary for service delivery (legitimate interest)
Purpose: Help us understand how visitors interact with our Platform by collecting and reporting information anonymously. This helps us improve the Platform's performance and user experience.
Information Collected:
Third-Party Services We Use:
Duration: Session to 2 years
Can you disable them? Yes – disabling these cookies will not affect Platform functionality but will prevent us from improving our services based on usage data.
Legal Basis: Consent (in EU/UK) or legitimate interest (where applicable)
Purpose: Remember your preferences and choices to provide enhanced, personalized features.
Examples:
Cookies Used:
Duration: Up to 2 years
Can you disable them? Yes – disabling these cookies means the Platform won't remember your preferences, and you'll need to reset them each visit.
Legal Basis: Consent or legitimate interest
Purpose: Deliver relevant advertisements and measure advertising campaign effectiveness. These cookies track your browsing activity across websites to build a profile of your interests.
What They Do:
Third-Party Advertising Services:
Duration: Up to 2 years
Can you disable them? Yes – disabling these cookies means you'll see less relevant advertising, but the total amount of advertising will not decrease.
Legal Basis: Consent (required in most jurisdictions)
Purpose: Enable social media features and track social media activity related to our Platform.
What They Do:
Social Media Platforms:
Duration: Session to 2 years
Can you disable them? Yes – disabling these cookies will prevent social media integration features from working.
Legal Basis: Consent
Small transparent image files embedded in web pages or emails that:
Browser storage that allows us to store data locally on your device:
Technique that collects device and browser configuration information to create a unique identifier:
Purpose: Fraud detection, security, and analytics
On mobile applications, we may use:
Important: Third-party cookies may track you across multiple websites, not just our Platform. We do not control third-party cookies and recommend reviewing their privacy policies.
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| session_id | Maintains user session | Session | First-party |
| csrf_token | Prevents cross-site request forgery | Session | First-party |
| auth_token | Authentication and login | 30 days | First-party |
| secure_session | Security verification | Session | First-party |
| load_balancer | Distributes server load | Session | First-party |
| cookie_consent | Stores your cookie preferences | 1 year | First-party |
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| _ga | Google Analytics user ID | 2 years | Third-party |
| _gid | Google Analytics session ID | 24 hours | Third-party |
| _gat | Google Analytics throttling | 1 minute | Third-party |
| mp_* | Mixpanel analytics | 1 year | Third-party |
| _hjid | Hotjar user ID | 1 year | Third-party |
| _hjSession* | Hotjar session ID | 30 minutes | Third-party |
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| lang_preference | Language setting | 1 year | First-party |
| currency_pref | Currency setting | 1 year | First-party |
| theme_mode | Dark/light mode preference | 1 year | First-party |
| user_preferences | General preferences | 1 year | First-party |
| Cookie Name | Purpose | Duration | Type |
|---|---|---|---|
| IDE | Google DoubleClick advertising | 2 years | Third-party |
| _fbp | Facebook Pixel | 3 months | Third-party |
| fr | Facebook advertising | 3 months | Third-party |
| personalization_id | Twitter advertising | 2 years | Third-party |
| li_sugr | LinkedIn advertising | 90 days | Third-party |
When you first visit our Platform, we display a cookie consent banner allowing you to:
Your choices are stored and respected throughout your use of the Platform.
You can manage your cookie preferences at any time by:
Most browsers allow you to:
Browser-Specific Instructions:
General Opt-Out:
Platform-Specific Opt-Out:
Some browsers offer a "Do Not Track" (DNT) signal. Currently, there is no industry consensus on how to respond to DNT signals. Our Platform does not respond to DNT signals at this time, but we respect your cookie choices made through our Cookie Preference Center.
We do not recommend disabling these cookies.
Impact on you: Minimal direct impact
Impact on you: Less convenient experience
Impact on you: Less relevant advertising
Cookies may result in data transfers to countries outside your jurisdiction, including:
We ensure appropriate safeguards are in place for international transfers, including:
Our Platform is not directed to children under 18 (or the age of majority in your jurisdiction). We do not knowingly collect information from children through cookies. If we discover we have collected information from a child, we will delete it promptly.
We implement appropriate security measures to protect cookie data:
Despite these measures, no system is 100% secure. You should protect your device and browser from unauthorized access.
Our Platform may contain links to third-party websites. This Cookie Policy does not apply to third-party websites. We are not responsible for the cookie practices of third parties and recommend reviewing their cookie policies before visiting their sites.
We may update this Cookie Policy to reflect:
We will notify you of material changes by:
We recommend reviewing this Cookie Policy periodically to stay informed about our cookie practices.
This Cookie Policy complies with:
Depending on your jurisdiction, you have rights regarding cookies and personal data collected through cookies:
For information about exercising these rights, see our Privacy Policy or contact us at privacy@patrimoinenationaleai.com.
For questions about our use of cookies:
For EU/UK privacy matters:
We aim to respond to cookie-related inquiries within 30 days.
By continuing to use our Platform after accepting cookies, you consent to our use of cookies as described in this Cookie Policy. Your consent includes:
Last Updated: January 6, 2026
Version: 1.0
Effective Date: January 6, 2026
Patrimoine Nationale AI is committed to transparency and respecting your privacy choices. If you have any questions about our use of cookies, please don't hesitate to contact us.