feat: add privacy, terms and refund policy pages

[t3ned]

Summary

• Adds three legal pages at stable URLs for use on the site and the Stripe payment page: /privacy, /terms, /refunds
• Lightweight path-based rendering in the SPA (no router): the worker's single-page-application fallback serves index.html for these paths and the app renders the matching document
• Pages match the site identity ($ cat refunds.md kicker, display type, theme-aware) and set their own document titles
• The consultation line in "Work with me" now links to the refund policy
• Footer gains privacy / terms / refunds links
• Legal copy is UK-oriented (sole trader, UK GDPR, England and Wales governing law) and structured in src/legal.ts

Testing

• bun run build and bunx biome ci . pass
• Verified all three routes render with correct titles in dev, plus the home page, footer links and refund link

[cloudflare-workers-and-pages]

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Status	Name	Latest Commit	Preview URL	Updated (UTC)
✅ Deployment successful! View logs	gmiles-dev	15c118d	Commit Preview URL Branch Preview URL	Jul 14 2026, 08:06 PM