Policies + tools angle: /privacy and /refunds pages (crypto payments are final, we never hold funds), footer links sitewide, toolkit section on How You Get Paid, toolkit line on Getting Started

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

public/how-pay-works.html

@@ -60,6 +60,13 @@
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 <p style="color:var(--muted);line-height:1.65;margin:14px 0 0"><strong style="color:var(--text)">To catch each one, you must be at that level yourself</strong> (and qualified). Layer 3's Culmen payment only stops at you if you're at Culmen — otherwise it passes up to the next eligible position. That's why the rule is: <strong style="color:var(--text)">stay one level ahead of your team's deepest active layer.</strong></p></div>
 
+<div class="card" style="margin-top:20px;border-color:rgba(78,214,203,.45)"><div class="eyebrow" style="color:var(--teal)">Beyond the two streams</div><h2 style="margin:6px 0 10px">Your position is also a <span class="gold">license to the toolkit.</span></h2>
+<p style="color:var(--muted);line-height:1.65;margin:0 0 10px">The two streams above are how money moves. This is the part that has value whether or not a single payment ever arrives: <strong style="color:var(--text)">every paid position comes with the team's marketing toolkit</strong> — and each level you climb extends the license further.</p>
+<ul style="color:var(--muted);line-height:1.7;margin:0 0 10px 22px">
+<li><strong style="color:var(--text)">From day one:</strong> the promo center, printable handouts with your own QR code, the 10-lesson Circle Method course, your live dashboard, the Fast Start and Weekly Rhythm sheets, your Generation Pay chart, and a 24/7 AI coach in 21+ languages.</li>
+<li><strong style="color:var(--text)">As you level up:</strong> AI tools that do the work with you — a copywriter tuned to this business, a builder that gives you your own invitation page, email sequences, personalized videos, advertising resources, and leader tools deeper in.</li>
+</ul>
+<p style="color:var(--muted);line-height:1.65;margin:0">It is <strong style="color:var(--text)">included, never sold separately</strong> — we don't take payment for software, and we never hold anyone's money. And it's the honest second reason to upgrade: a level doesn't just extend your reach on the pay ladder, it extends what you can build with. <span class="micro">Tools ship as the team builds them; only what you can open today is promised today.</span></p></div>
 <div class="card" style="margin-top:20px"><div class="eyebrow" style="color:var(--teal)">Good to know · tiers</div><h2 style="margin:6px 0 10px">Premium vs. Standard — why an amount can come in smaller</h2>
 <p style="color:var(--muted);line-height:1.65;margin:0 0 12px">Every figure on this page is shown at the <strong style="color:var(--text)">Premium</strong> tier — the tier our whole team builds at. The contract also has a <strong style="color:var(--text)">Standard</strong> tier that costs about half to enter and, in exchange, <strong style="color:var(--text)">pays and earns half as much at every level.</strong> So if a payment ever lands smaller than the diagram shows, it's almost always because it came from a Standard-tier position below you.</p>
 <div class="table-wrap"><table class="table" style="min-width:480px"><thead><tr><th>Payment</th><th>Premium</th><th>Standard</th></tr></thead><tbody>
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 <p class="micro" style="margin-top:14px">Every figure is a contract rule, verifiable on-chain, not a promise of income. Most participants may not profit. <a href="/disclaimer" style="color:var(--teal)">Full disclaimers →</a> · <a href="/contract" style="color:var(--teal)">How the contract works →</a></p>
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+<footer class="wrap disclaimer">Independent, unaffiliated team resource. Informational and educational only. No income is guaranteed. Cryptocurrency participation carries risk of total loss.<div class="footer-links"><a href="/">Home</a><a href="/training">Training</a><a href="/contract">Contract Security</a><a href="/disclaimer">Disclaimers</a><a href="/how-pay-works">How You Get Paid</a><a href="/tools">Promo Tools</a><a href="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
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