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()