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/tools.html

@@ -527,5 +527,5 @@ Poke around first: the how-it-works videos, the payment breakdown, and the full
 <div class="callout" style="margin-top:16px"><strong>Leader guardrails:</strong> never guarantee income or returns; lead with a real, on-chain example over any claim; and if a leg genuinely has no activity, say so honestly and offer to help build it — don't pretend it fills itself. Every honest answer protects the whole team.</div>
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-<footer class="wrap disclaimer">Independent RM Circle Team Build team resource. Informational only — not an earnings guarantee or investment advice. Cryptocurrency participation carries risk of loss.<div class="footer-links"><a href="/">Strategy</a><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/how-pay-works">How You Get Paid</a><a href="/disclaimer">Disclaimers</a></div></footer>
+<footer class="wrap disclaimer">Independent RM Circle Team Build team resource. Informational only — not an earnings guarantee or investment advice. Cryptocurrency participation carries risk of loss.<div class="footer-links"><a href="/">Strategy</a><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/how-pay-works">How You Get Paid</a><a href="/disclaimer">Disclaimers</a><a href="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
 <script src="/tools.js"></script><script src="/translate.js" defer></script><script src="/tg-app.js" defer></script><script src="/nav-dash.js" defer></script></body></html>