Legal notice and personal data
Who edits this site, under what regulatory status and supervision, who hosts it, what happens to the personal data you send, and how to complain. This page covers the English and French versions alike.
This page carries the information a regulated professional publisher is required to disclose: who edits the site, under what regulatory status and supervision, who hosts it, how personal data is handled, and how a complaint may be brought. It covers both language versions of this site. The registration numbers shown below can be checked by anyone against the public registers named alongside them.
Publisher
This site is published by ÉTHIQUE ET PATRIMOINE, a French simplified joint-stock company (SAS), registered office at 41 rue Saint-Ferdinand, 75017 Paris, France, Paris Trade Register no. 803 414 796, VAT no. FR 40 803 414 796 (with share capital of €62,500), registered with ORIAS under number no. 24001817 (www.orias.fr) — Financial investment adviser (CIF) no. 18002418, member of ANACOFI-CIF, a professional association approved by the Autorité des marchés financiers, and Anacofi-Courtage for its brokerage activity. Publication director: Stéphane Molère, President. Contact: contact@valley-international.com — +33 6 79 98 77 22.
Host: Vercel Inc., 340 S Lemon Ave #4133, Walnut, CA 91789, United States — vercel.com.
Regulatory status and supervision
Investment advice is a regulated activity in France. Financial investment advice is supervised by the Autorité des marchés financiers (AMF), 17 place de la Bourse, 75082 Paris Cedex 02, France; insurance and banking intermediation is supervised by the Autorité de contrôle prudentiel et de résolution (ACPR), 4 place de Budapest, CS 92459, 75436 Paris Cedex 09, France. The French single register of intermediaries (ORIAS, orias.fr) lets you verify the publisher’s registration and the categories of activity it covers. Professional indemnity insurance: MMA IARD Assurances Mutuelles and MMA IARD, 160 rue Henri Champion, 72030 Le Mans Cedex 9, France — policy no. 150055878, placed through BdJ SAS (Groupe Diot-Siaci), ORIAS no. 07 001 494. Cover applies worldwide, excluding activities carried out from a permanent establishment outside France and claims brought before the courts of the United States, Canada, Australia and New Zealand.
Complaints and mediation
Any complaint may be sent in writing to contact@valley-international.com. It is acknowledged within ten working days and answered within two months. If no satisfactory solution is found, you may refer the matter free of charge to the the AMF Ombudsman, 17 place de la Bourse, 75082 Paris Cedex 02, France — amf-france.org, for disputes concerning financial investment advice.
For consumer disputes arising from insurance and banking brokerage, the competent mediator is ANM Consommation, 25 allée Rose Dieng-Kuntz, 75019 Paris, France — anmconso.com, contact@anmconso.com, +33 (0)1 46 81 20 95, appointed on 18 August 2026 for three years under the agreement between ANM Consommation and Anacofi-Courtage. Mediation is free of charge for consumers and does not affect your right to bring proceedings before the courts.
Disclaimer
The content provides general information rather than a recommendation for your circumstances. Investments involve risks, including capital loss and limited liquidity. Past performance does not predict future results. The editorial review date is separate from the reference date for the rules cited. Your circumstances, residence and applicable treaties may change the treatment.
The information on this site is not intended for persons resident in any jurisdiction where its distribution or use would be contrary to local regulation. It is for each visitor to satisfy themselves that they may consult this information and engage a France-based adviser.
Intellectual property
All content on this site (text, structure and graphic elements) is protected by copyright. Any reproduction or representation, in whole or in part, for purposes other than private consultation requires prior written permission.
Personal data
Data controller: the publisher identified above. Simply reading these pages sets no cookies: typefaces are served from our own domain and no request is made to any third party. There is one exception, and you are asked about it: audience measurement.
Cookies and audience measurement
We use Google Analytics 4 to see how the site is used and which pages genuinely serve their purpose. It sets cookies on your device and sends browsing data and your IP address, which Google processes without storing it, to Google (Google Ireland Limited, and Google LLC in the United States). That transfer outside the European Union is framed by the adequacy decision of 10 July 2023 on the EU–US Data Privacy Framework.
Advertising measurement is a separate purpose, and a separate consent: when the Google Ads tag is in use on this site, the same data also measures the effectiveness of our advertising. The consent banner shown to you lists every purpose that is actually running at that moment, so if the banner does not name advertising, no advertising tag is running on your visit, and accepting audience measurement does not bring one in.
Legal basis: your consent (Article 6(1)(a) GDPR and Article 82 of the French Data Protection Act). Nothing is loaded or stored until you accept: if you decline, or simply do not answer, no measurement script runs. Declining takes exactly one click, just like accepting, and takes nothing away from what you can read here.
Your choice is kept in your browser (thirteen months if you accept, six months if you decline), and you are then asked again. You can change it at any time: the link “Audience measurement: change my choice”, at the foot of every page, reopens the banner, and declining there stops the measurement and deletes the measurement cookies already set on this domain.
Personal data is processed only where you volunteer it. Four cases: (1) booking a call, operated through Google Calendar: your name, email address and whatever you type are transmitted to Google (Google Ireland Limited / Google LLC) acting as processor for that tool; this may involve processing outside the European Union, covered by the adequacy decision of 10 July 2023 on the EU–US Data Privacy Framework; (2) email correspondence, handled by our professional mail provider; (3) the site’s answer assistant: the text of your question is transmitted to Anthropic PBC (United States), which uses it to formulate a reply; this processing involves a transfer outside the European Union.
Your IP address is not sent to them. It is read by our server and held in plain form, in memory, to cap the number of questions asked from one address: that memory is reset every day and on every restart of the server, and the address is written to no database.
As things stand, neither your question nor the answer given to you is recorded in any database of ours. Our hosting provider and Anthropic do, however, apply their own retention periods to their technical logs, under their respective policies. As with booking a call, do not detail your personal financial situation in your questions: the assistant informs from the site’s own published content and provides no personalised advice.
(4) the contact form: the name, email address, country of residence, situation and subject you give, together with your message, reach us by email and are stored in no database and written to no server log. The form expressly asks you to include no amounts, no account references and no attachments.
Purposes and legal bases: answering your request and preparing a possible meeting (performance of a contract or pre-contractual steps, Article 6.1.b GDPR); keeping a record of our exchanges and meeting our professional retention obligations (legitimate interest and legal obligation, Articles 6.1.f and 6.1.c). No marketing is sent without your consent.
Retention: enquiries that do not proceed are deleted no later than three years after the last contact; data relating to clients is kept for the duration of the relationship and then for the statutory periods applicable to regulated advisers, in particular under anti-money-laundering and accounting rules.
Recipients: members of the firm who need to know, our scheduling provider (Google) for the booking only, our mail provider and our host. Your data is never sold, rented or passed to third parties for commercial purposes.
Your rights: access, rectification, erasure, restriction, objection, portability, and withdrawal of consent where the processing relies on it. To exercise them, write to contact@valley-international.com. You may also lodge a complaint with the supervisory authority: the CNIL, 3 place de Fontenoy, TSA 80715, 75334 Paris Cedex 07, France — cnil.fr.
page last reviewed on 2026-09-15 — reference date for the rules: 2026-09-07.