feat: redirect to AI consent settings when consent is missing

- requestAiConsent now redirects to /settings/general?highlight=aiConsent
  instead of opening the modal when called outside the settings page
- Settings page highlights the consent section and scrolls to it
- Adds consent.ai.settingsBanner i18n key (fr/en)
- Keeps inline modal on /settings/general so the grant button still works

memento-note/components/dashboard-view.tsx

@@ -6,6 +6,7 @@ import { useReducedMotion } from 'motion/react'
 import { Inbox, Send, Bell, Mail } from 'lucide-react'
 import { useLanguage } from '@/lib/i18n'
 import { useAiConsent } from '@/components/legal/ai-consent-provider'
+import { redirectToAiConsentSettings } from '@/lib/consent/ai-consent-redirect'
 import { createNote } from '@/app/actions/notes'
 import { emitNoteChange } from '@/lib/note-change-sync'
 import { toast } from 'sonner'
@@ -519,7 +520,10 @@ export function DashboardView({ onNoteSelect }: DashboardViewProps) {
     try {
       const res = await fetch('/api/ai/echo')
       const json = await res.json()
-      if (res.status === 403 && json.code === 'ai_consent_required') { await requestAiConsent(); return }
+      if (res.status === 403 && json.code === 'ai_consent_required') {
+        redirectToAiConsentSettings(router)
+        return
+      }
       if (!res.ok) throw new Error(json.error)
       if (json.insight) {
         await reloadBriefingAndPaths()
@@ -533,7 +537,7 @@ export function DashboardView({ onNoteSelect }: DashboardViewProps) {
     } finally {
       setEchoRefreshing(false)
     }
-  }, [requestAiConsent, reloadBriefingAndPaths, t])
+  }, [requestAiConsent, reloadBriefingAndPaths, t, router])
 
   const handleEnableAi = useCallback(async () => {
     await requestAiConsent()

memento-note/components/legal/ai-consent-provider.tsx

@@ -2,7 +2,9 @@
 
 import { createContext, useContext, useState, useEffect, useRef, useCallback } from 'react'
 import { useSession } from 'next-auth/react'
+import { useRouter } from 'next/navigation'
 import { getLocalStorageAiConsent, setLocalStorageAiConsent, removeLocalStorageAiConsent } from '@/lib/consent/ai-consent-client'
+import { redirectToAiConsentSettings } from '@/lib/consent/ai-consent-redirect'
 import { updateAISettings } from '@/app/actions/ai-settings'
 import { AiConsentModal } from './ai-consent-modal'
 import { toast } from 'sonner'
@@ -24,6 +26,7 @@ interface AiConsentProviderProps {
 export function AiConsentProvider({ children, initialPersistentConsent = false }: AiConsentProviderProps) {
   const { data: session, update: updateSession } = useSession()
   const { t } = useLanguage()
+  const router = useRouter()
 
   const [persistentConsent, setPersistentConsent] = useState(false)
   const [sessionConsent, setSessionConsent] = useState(false)
@@ -60,11 +63,22 @@ export function AiConsentProvider({ children, initialPersistentConsent = false }
       return Promise.resolve(true)
     }
 
-    setModalOpen(true)
+    // On settings page we keep the inline modal; elsewhere redirect to settings
+    // so the user sees exactly where to grant consent.
+    if (typeof window !== 'undefined' && window.location.pathname.startsWith('/settings/general')) {
+      setModalOpen(true)
+      return new Promise<boolean>((resolve) => {
+        pendingResolveRef.current = resolve
+      })
+    }
+
+    redirectToAiConsentSettings(router, { replace: false })
     return new Promise<boolean>((resolve) => {
       pendingResolveRef.current = resolve
+      pendingResolveRef.current(false)
+      pendingResolveRef.current = null
     })
-  }, [hasAiConsent])
+  }, [hasAiConsent, router])
 
   const handleConfirm = async (remember: boolean) => {
     setModalOpen(false)