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Legal Documentation

Legal information and terms of use for Patrice

Important

Patrice is an information and wealth-organisation tool and does not provide any investment advice. Consult a qualified professional before making any financial decision.

IMPORTANT: Please read this disclaimer carefully

1. Nature of the Service

Patrice is an information and wealth-organisation tool. It aggregates and formats the data you enter to give you a clear overview. Patrice does not provide investment advice and does not constitute an advisory service relating to specific financial instruments.

2. What Patrice Does

Aggregates and visualizes the wealth data you enter
Calculates allocation and performance indicators
Compares your allocation to theoretical allocations based on your risk profile
Provides generic information about asset classes (equities, bonds, real estate, cash)
Estimates real estate market value using public data (DVF, Land Registry)
Generates automated analyses via artificial intelligence based on your data

3. What Patrice Does NOT Do

Does NOT recommend ANY specific financial instrument (stocks, funds, ETFs, REITs, specific life insurance policies, etc.)
Does NOT provide ANY personalized investment advice in the regulatory sense
Does NOT execute ANY transactions on your behalf
Does NOT guarantee ANY return or performance
Does NOT substitute for a professional financial advisor

4. How to interpret the analyses

The analyses, diagnostics and orientations produced by Patrice — including those generated by artificial intelligence — are based solely on the data you enter. They are an observation of your wealth at a given point in time and do not take into account your external environment, your full tax, family or legal situation, or any data you have not entered.

5. Investment Risks

All investments carry risks, including the risk of capital loss. Past performance is not indicative of future results. The value of investments may fluctuate both upward and downward.

6. Consulting a professional

Any investment decision is best prepared with a qualified professional able to take your full situation into account. Depending on your needs, you may in particular consult a financial adviser registered with the relevant national register, a wealth management adviser, or any other qualified professional (notary, tax lawyer, chartered accountant).

7. Publisher status

The publisher of Patrice is not a regulated financial intermediary and does not provide an investment advisory service. Patrice is an information and wealth-organisation tool: it delivers no personalised recommendation relating to specific financial instruments and executes no transaction on your behalf.

8. User Responsibility

The user is solely responsible for:

  • The accuracy of the data they enter
  • The decisions they make based on the information displayed
  • Verifying information against official sources
  • 9. Limitation of Liability

    Under no circumstances shall Patrice, its directors, employees, or partners be held liable for any direct, indirect, incidental, special, or consequential damages arising from the use of the application or the analyses generated.

    Useful Links

  • AMF (French Financial Markets Authority): www.amf-france.org
  • ORIAS (Intermediaries Register): www.orias.fr
  • ACPR (Prudential Supervision Authority): acpr.banque-france.fr
  • By using Patrice, you acknowledge that you have read and understood this disclaimer.

    Patrice

    Your wealth, finally clear. A wealth dashboard for French-speaking savers — without bank connection.

    Patrice is an information and wealth-organisation tool. The analyses, diagnostics and orientations it produces are based solely on the data you enter: they are an observation of your wealth at a given point in time, not investment advice or a recommendation to buy or sell any financial instrument. Patrice does not know your external environment, your full tax, family or legal situation, or any data you have not entered. It carries out no transactions. Before any decision, consult a qualified professional.

    © 2026 Patrice. All rights reserved.