Legal pages (Terms, Privacy, Disclaimer) + always-present footer

- New /terms, /privacy, /disclaimer pages in the site style with real content
  tailored to an on-chain ad+referral platform (no income guarantee, crypto
  risk, rehearsal note, privacy of email/wallet/profile, acceptable use).
- renderNav now appends a persistent footer with legal + site links on every
  public page; member-area sidebar gets a Legal link group.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

public/my.html

@@ -142,6 +142,12 @@
       <a href="/ledger">Live ledger</a>
       <a href="/contract">The contract</a>
     </div>
+    <div class="bo-links">
+      <span class="bo-cap">Legal</span>
+      <a href="/terms" target="_blank" rel="noopener">Terms</a>
+      <a href="/privacy" target="_blank" rel="noopener">Privacy</a>
+      <a href="/disclaimer" target="_blank" rel="noopener">Disclaimer</a>
+    </div>
     <div class="bo-foot">
       <span id="navWallet" class="small muted">…</span>
       <a href="#" id="logoutLink" class="small">Log out</a>
@@ -679,7 +685,7 @@
     </div>
   </div>
 </div>
-<script src="/assets/common.js?v=20260908a"></script>
+<script src="/assets/common.js?v=20260908c"></script>
 <script src="/assets/wallet.js?v=20260907q"></script>
 <script src="/assets/my.js?v=20260908b"></script>
 <script src="/assets/chat.js?v=20260907l"></script>