pricing: land £7/£70 paid tier and make behaviour match

Marketing + behaviour pass to get the site ready for Paddle approval.

Pricing page
- £7/month, £70/year headline (was "Coming soon").
- Bigger tier names (was 11px uppercase mono — looked like chips).
- Real CTAs (button base styles were only scoped to .hero__ctas).
- "Best value" badge + drop-shadow on the Paid card; full-width
  block CTAs that align across both cards.
- "Free vs Paid at a glance" comparison table beneath the cards.
- Compact "Invite a friend — both get 50% off for 3 months"
  callout with the detail explanation behind a <dialog> popup.

Tier copy + behaviour now consistent
- Free strategic-log refresh is every 6 hours, not hourly. New
  read-side filter on /api/log/{latest,by-date} restricts free
  users to logs at boundary hours (00/06/12/18 UTC); paid users
  still see the most recent.
- Follow-up chat is paid-only. /api/chat returns 402 for free;
  the chat sidebar on /log is replaced with a locked aside and
  chat.js no longer loads at all for free users.
- Dashboard meta lines + landing copy softened so they no longer
  promise hourly to everyone.

Future-proofing copy on public pages
- Dropped "free forever" wording (we may close the free tier).
- "Trading 212 CSV" became "broker CSV (Trading 212 today; more
  planned)" on pricing + landing; the actual import UIs stay
  T212-specific.

Terms
- Renamed Terms of Service -> Terms and Conditions (Paddle
  expectation), bumped last-updated to 2026-05-26.
- New §6 Refunds covering the 14-day cooling off, post-window
  cancellation, termination-by-us refunds, statutory rights, and
  how to request a refund.
- Renumbered §7-§14 and fixed the disclaimer link labels.

Tests
- 6 new tests in tests/test_chat_and_log_gates.py cover the
  chat 402 + the boundary-hour filter on both log endpoints.
- Full suite: 205 passed, 5 skipped, 0 failed.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

app/templates/terms.html

@@ -1,12 +1,12 @@
 {% extends "public_base.html" %}
-{% block title %}{{ BRAND_NAME }} · Terms of Service{% endblock %}
+{% block title %}{{ BRAND_NAME }} · Terms and Conditions{% endblock %}
 
 {% block main %}
 
 <section class="public-section">
-  <h1 class="public-section__head">Terms of Service</h1>
+  <h1 class="public-section__head">Terms and Conditions</h1>
   <p style="color: var(--muted); font-size: 13px;">
-    Last updated: 2026-05-24. {{ LEGAL_OPERATOR }} operates {{ BRAND_NAME }}
+    Last updated: 2026-05-26. {{ LEGAL_OPERATOR }} operates {{ BRAND_NAME }}
     (the &ldquo;Service&rdquo;) from {{ OPERATOR_JURISDICTION }}.
   </p>
 </section>
@@ -96,7 +96,55 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">6. Service availability</h2>
+  <h2 class="public-section__head">6. Refunds</h2>
+  <p>
+    <strong>14-day cooling-off (UK / EU consumers).</strong> If you buy a
+    paid subscription as a consumer, you have 14 days from the day of
+    purchase to cancel and receive a full refund of that purchase, under
+    the Consumer Contracts (Information, Cancellation and Additional
+    Charges) Regulations 2013. As noted in clause 5, if you start using
+    a paid feature inside the cancellation window you lose the right to
+    cancel in respect of digital content already delivered.
+  </p>
+  <p>
+    <strong>Cancellation after the cooling-off window.</strong> You can
+    cancel a paid subscription at any time. Cancellation takes effect at
+    the end of the current billing period; we do not pro-rate refunds
+    for the unused portion of a period you have already started, unless
+    a separate paragraph below applies.
+  </p>
+  <p>
+    <strong>Termination by us without fault on your part.</strong> If we
+    terminate or materially reduce a paid feature for reasons that are
+    not a breach by you (including a service shutdown), we will refund
+    the unused portion of any prepaid fees on a pro-rata basis. The same
+    applies under clause 8 if we terminate for a breach you did not
+    cause, and under clause 11 if you close your account because you do
+    not accept a material change to these Terms.
+  </p>
+  <p>
+    <strong>Service faults.</strong> Nothing in this clause limits your
+    statutory rights as a UK consumer under Part 1 of the Consumer
+    Rights Act 2015. If a paid feature is not supplied with reasonable
+    care and skill, you may be entitled to a repeat performance or a
+    price reduction (which can be a full refund) under that Act.
+  </p>
+  <p>
+    <strong>How to request a refund.</strong> Email
+    <a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a> from
+    the address tied to your account, with the order reference if you
+    have one. We aim to acknowledge within 5 working days. Refunds are
+    returned to the original payment method and typically arrive within
+    14 days of approval, subject to your bank&rsquo;s processing time.
+  </p>
+  <p>
+    Referral credits and any other non-cash credits applied to your
+    account are not refundable for cash.
+  </p>
+</section>
+
+<section class="public-section">
+  <h2 class="public-section__head">7. Service availability</h2>
   <p>
     The Service is provided on a best-effort basis. There is no service
     level agreement: outages, data delays, and feature changes may occur
@@ -105,7 +153,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">7. Content &amp; ownership</h2>
+  <h2 class="public-section__head">8. Content &amp; ownership</h2>
   <p>
     The Service&rsquo;s code, design, indicator selection, and prompts
     are owned or licensed by {{ LEGAL_OPERATOR }}. To the extent any
@@ -126,7 +174,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">8. Suspension &amp; termination</h2>
+  <h2 class="public-section__head">9. Suspension &amp; termination</h2>
   <p>
     We may suspend or terminate access without notice for violation of
     these Terms or for activity that risks the integrity, security, or
@@ -138,12 +186,13 @@
     respond, unless immediate suspension is necessary to protect the
     Service, its users, or any third party. If we terminate a paid
     subscription for a breach you did not cause, we will refund the
-    unused portion of any prepaid fees on a pro-rata basis.
+    unused portion of any prepaid fees on a pro-rata basis (see
+    clause 6).
   </p>
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">9. No warranty</h2>
+  <h2 class="public-section__head">10. No warranty</h2>
   <p>
     The Service is provided &ldquo;as is&rdquo; and &ldquo;as
     available&rdquo;, without warranties of any kind, express or implied,
@@ -153,7 +202,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">10. Limitation of liability</h2>
+  <h2 class="public-section__head">11. Limitation of liability</h2>
   <p>
     To the maximum extent permitted by law, {{ LEGAL_OPERATOR }} is not
     liable for any indirect, incidental, special, consequential, or
@@ -182,7 +231,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">11. Changes</h2>
+  <h2 class="public-section__head">12. Changes</h2>
   <p>
     These Terms may change. Material changes will be flagged in-app or
     by email. Continued use after a change means you accept the updated
@@ -193,7 +242,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">12. Governing law and jurisdiction</h2>
+  <h2 class="public-section__head">13. Governing law and jurisdiction</h2>
   <p>
     These Terms are governed by the laws of England and Wales. Subject
     to any mandatory law of the consumer&rsquo;s country of residence,
@@ -205,7 +254,7 @@
 </section>
 
 <section class="public-section">
-  <h2 class="public-section__head">13. Contact</h2>
+  <h2 class="public-section__head">14. Contact</h2>
   <p>
     <a href="mailto:{{ OPERATOR_EMAIL }}">{{ OPERATOR_EMAIL }}</a>
   </p>