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/contract.html

@@ -29,5 +29,5 @@
 <p class="micro" style="margin-top:18px">Review method: complete verified source (Sourcify exact-match, creation + runtime bytecode) read against the deployed contract on 2026-08-13; payout math cross-checked against live on-chain transactions. Reviewed independently by this team's tooling — not by the contract's developers.</p>
 </div></section>
 </main>
-<footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose.<div class="footer-links"><a href="/">Strategy</a><a href="/start">Getting Started</a><a href="/training">Training</a><a href="/my">Member Dashboard</a><a href="/disclaimer">Disclaimers</a><a href="/how-pay-works">How You Get Paid</a><a href="/tools">Promo Tools</a></div></footer>
+<footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose.<div class="footer-links"><a href="/">Strategy</a><a href="/start">Getting Started</a><a href="/training">Training</a><a href="/my">Member Dashboard</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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public/disclaimer.html

@@ -24,5 +24,5 @@
 <p class="micro" style="margin-top:8px">By continuing to use this website you accept these disclaimers. If you do not agree, please do not use the site. Questions can go to the team's Telegram group linked on the site.</p>
 </div></section>
 </main>
-<footer class="wrap disclaimer">Independent, unaffiliated team resource. Informational and educational only. Not an offer, solicitation, or guarantee of income. Cryptocurrency participation carries risk of total loss.<div class="footer-links"><a href="/">Home</a><a href="/contract">Contract Security</a><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/how-pay-works">How You Get Paid</a><a href="/tools">Promo Tools</a></div></footer>
+<footer class="wrap disclaimer">Independent, unaffiliated team resource. Informational and educational only. Not an offer, solicitation, or guarantee of income. Cryptocurrency participation carries risk of total loss.<div class="footer-links"><a href="/">Home</a><a href="/contract">Contract Security</a><a href="/training">Training</a><a href="/start">Getting Started</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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public/how-pay-works.html

@@ -60,6 +60,13 @@
 </div>
 <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>
@@ -121,5 +128,5 @@
 <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>
 </div></section>
 </main>
-<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></div></footer>
+<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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public/index.html

@@ -22,5 +22,5 @@
 
 <section class="section"><div class="wrap"><div class="card" style="text-align:center;padding:34px"><div class="eyebrow">Ready to start?</div><h2 style="font-size:38px;margin:10px 0">See the current team placement.</h2><p style="max-width:680px;margin:0 auto 20px;color:var(--muted)">The onboarding page automatically shows the sponsor position the team is currently helping. Always use the sponsor shown there instead of an old screenshot or saved link.</p><a class="btn btn-primary" href="/start">Open Getting Started Instructions →</a></div></div></section>
 </main>
-<footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</a><a href="/disclaimer">Disclaimers</a><a href="/how-pay-works">How You Get Paid</a><a href="/tools">Promo Tools</a></div></footer>
+<footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/start">Getting Started</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</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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public/join.html

@@ -28,5 +28,5 @@
 <div class="callout" style="margin-top:16px;max-width:880px;margin-left:auto;margin-right:auto"><strong>What happens next:</strong> get your 2 directs to qualify, then keep sharing your link — it automatically starts helping the next person in your leg — while you coach your 2 to get their 2. That's the whole system. You'll get your own invite page just like this one the moment you're in.</div>
 <div class="callout warning" style="margin-top:12px;max-width:880px;margin-left:auto;margin-right:auto"><strong>Risk reminder:</strong> participation involves cryptocurrency and smart-contract risk. No income is guaranteed. Use only funds you can afford to lose.</div></div></section>
 
-</main><footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/disclaimer">Disclaimers</a><a href="/tools">Promo Tools</a></div></footer>
+</main><footer class="wrap disclaimer">This independent team page is educational and is not an earnings guarantee or investment advice. Cryptocurrency and smart-contract participation involve risk, including possible loss of funds. Never use funds you cannot afford to lose. Results depend on actual participation, qualification, upgrades, smart-contract behavior, and the market value of POL.<div class="footer-links"><a href="/training">Training</a><a href="/my">Member Dashboard</a><a href="/contract">Contract Security</a><a href="/disclaimer">Disclaimers</a><a href="/tools">Promo Tools</a><a href="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
 <script src="/track.js"></script><script src="/join.js"></script><script src="/payouts.js" defer></script><script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/tg-app.js" defer></script><script src="/nav-dash.js" defer></script></body></html>

public/my.html

@@ -30,5 +30,5 @@
 </section>
 </section>
 </main>
-<footer class="wrap disclaimer">All figures are read live from the RM Circle smart contract on Polygon and are historical facts, not a promise of future results. Participation involves cryptocurrency and smart-contract risk. Never use funds you cannot afford to lose.<div class="footer-links"><a href="/">Home</a><a href="/contract">Contract Security</a><a href="/disclaimer">Disclaimers</a><a href="/tools">Promo Tools</a></div></footer>
+<footer class="wrap disclaimer">All figures are read live from the RM Circle smart contract on Polygon and are historical facts, not a promise of future results. Participation involves cryptocurrency and smart-contract risk. Never use funds you cannot afford to lose.<div class="footer-links"><a href="/">Home</a><a href="/contract">Contract Security</a><a href="/disclaimer">Disclaimers</a><a href="/tools">Promo Tools</a><a href="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
 <script src="/track.js"></script><script src="/qrlib.js"></script><script src="/rmc-wallet.js"></script><script src="/my.js"></script><script src="/payouts.js" defer></script><script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/tg-app.js" defer></script><script src="/wallet-notice.js" defer></script></body></html>

public/privacy.html

@@ -0,0 +1,85 @@
+<!doctype html><html lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1"><meta name="robots" content="all"><meta name="description" content="Privacy policy for this independent RM Circle team resource: what we collect, what we never collect, how wallet sign-in works, cookies, third parties, and how to contact us."><title>Privacy Policy | RM Circle Team Build</title>
+<link rel="canonical" href="https://rmcircle.team/privacy">
+<link rel="icon" type="image/png" href="/favicon.png"><link rel="stylesheet" href="/styles.css">
+<style>
+  .pol{max-width:780px;margin:0 auto;padding:26px 20px 70px}
+  .pol h1{font-size:clamp(28px,5vw,40px);margin:8px 0 6px}
+  .pol .upd{color:var(--muted);font-size:13px;margin-bottom:20px}
+  .pol h2{font-size:21px;margin:28px 0 8px}
+  .pol p,.pol li{color:var(--muted);line-height:1.7;font-size:16px}
+  .pol p{margin-bottom:12px}
+  .pol ul{margin:0 0 14px 22px}
+  .pol li{margin-bottom:8px}
+  .pol strong{color:var(--text)}
+  .pol .key{border:2px solid var(--teal);border-radius:12px;padding:16px 20px;margin:18px 0}
+  .pol .key p{color:var(--text);margin:0;font-size:16.5px}
+  .pol table{width:100%;border-collapse:collapse;font-size:14.5px;margin:10px 0 16px}
+  .pol th{text-align:left;padding:8px 10px;font-size:11px;letter-spacing:.1em;text-transform:uppercase;color:var(--muted);border-bottom:2px solid var(--line)}
+  .pol td{padding:9px 10px;border-bottom:1px solid var(--line);color:var(--muted);vertical-align:top}
+  .pol td b{color:var(--text)}
+</style></head>
+<body>
+<header class="wrap nav"><a class="brand" href="/"><img class="brand-mark" src="/logo.jpg" alt="The RM Circle" width="42" height="42"><span><span id="brandName">RM Circle</span><small>Privacy Policy</small></span></a><div class="nav-actions"><a class="btn btn-secondary hide-mobile" href="/disclaimer">Disclaimers</a><a class="btn btn-primary" href="/">Home</a></div></header>
+<main class="pol">
+  <div class="eyebrow">Policy</div>
+  <h1>Privacy <span class="gold">Policy.</span></h1>
+  <p class="upd">Last updated 28 August 2026</p>
+
+  <div class="key"><p><strong>The short version:</strong> we ask for almost nothing. There are no accounts and no passwords here — you sign in by proving you hold your wallet. We never ask for your recovery phrase or private keys, we never take custody of funds, and we do not sell or rent anyone's information to anybody, ever.</p></div>
+
+  <h2>Who this covers</h2>
+  <p>This policy covers <strong>rmcircle.team</strong> and its related pages, an independent resource operated by members of the RM Circle team. We are not the operators of the smart contract, and this policy does not cover the blockchain itself, your wallet software, or any third-party site you reach from here.</p>
+
+  <h2>What we collect</h2>
+  <div class="table-wrap"><table>
+    <tr><th>What</th><th>Why</th></tr>
+    <tr><td><b>Your public wallet address</b> — when you choose to sign in</td><td>To confirm which position you hold, so the right training, dashboard, and tools unlock. Wallet addresses are already public on the blockchain.</td></tr>
+    <tr><td><b>Your public position data</b> — id, level, team structure, payments</td><td>This is read <em>from the public blockchain</em>, not collected from you. Anyone can read the same data.</td></tr>
+    <tr><td><b>Information you volunteer</b> — e.g. a name, an email, a message to your team, text you type into a tool</td><td>Only to do the thing you asked for: label your position, send your message, or generate the content you requested.</td></tr>
+    <tr><td><b>Basic technical data</b> — page requests, approximate referral source, tool usage counts</td><td>To keep the site working, prevent abuse, and know which tools members actually use.</td></tr>
+  </table></div>
+
+  <h2>What we never collect</h2>
+  <ul>
+    <li><strong>Your recovery phrase, seed words, or private keys.</strong> Nobody on this team will ever ask for them. Anyone who does is trying to rob you — including someone claiming to be us.</li>
+    <li><strong>Your funds.</strong> We never take custody of cryptocurrency. Payments go wallet-to-wallet through the smart contract; we are not in the middle. See our <a href="/refunds" style="color:var(--teal)">payment policy</a>.</li>
+    <li><strong>Payment card details or bank information.</strong> We do not process payments at all.</li>
+    <li><strong>Government IDs or documents.</strong> We do not run identity verification.</li>
+  </ul>
+
+  <h2>How wallet sign-in works</h2>
+  <p>When you sign in, your wallet signs a short text message proving you control that address. <strong>That signature is free, cannot move funds, and does not approve anything.</strong> We keep a session so you stay signed in on that device, and we can see the position that address holds — nothing more. You can sign out by clearing your browser data for this site.</p>
+
+  <h2>Cookies and storage</h2>
+  <p>We use the minimum necessary: a <strong>session cookie</strong> after you sign in, and small amounts of browser storage to remember practical things like your member ID for personalizing printables, or your chosen language. We do not use advertising cookies or cross-site tracking pixels on this site.</p>
+
+  <h2>Third parties</h2>
+  <p>A few outside services are involved when you use specific features. We share only what that feature needs to work:</p>
+  <ul>
+    <li><strong>Blockchain networks and public node providers</strong> — to read on-chain data. Blockchain data is public and permanent by nature, and is not controlled by us.</li>
+    <li><strong>Telegram</strong> — if you choose to link your account or use the Mini App, so team notifications can reach you.</li>
+    <li><strong>Email delivery and translation services</strong> — only when you request an email or use the translate button.</li>
+    <li><strong>AI providers</strong> — when you use an AI tool, the text of your request is processed to generate your result.</li>
+  </ul>
+  <p><strong>We do not sell, rent, or trade your information</strong> to anyone, and we do not share it for anyone else's advertising.</p>
+
+  <h2>A word about the blockchain</h2>
+  <p>Anything recorded on the blockchain — positions, payments, upgrades — is <strong>public and permanent</strong>. It is not ours to delete, edit, or hide, and neither we nor anyone else can remove it on request. Please keep that in mind about what a wallet address reveals.</p>
+
+  <h2>Your choices</h2>
+  <ul>
+    <li>You can use most of this site without signing in at all.</li>
+    <li>You can ask us to delete information you volunteered to us (such as a name label, email, or team messages we store). On-chain data cannot be deleted by anyone.</li>
+    <li>You can unlink Telegram, or stop using any tool, at any time.</li>
+  </ul>
+
+  <h2>Children</h2>
+  <p>This site is not intended for anyone under 18, and we do not knowingly collect information from children.</p>
+
+  <h2>Changes and contact</h2>
+  <p>If this policy changes, the date at the top of this page changes with it. Questions, or a request about your information? Reach us through the team channel linked in the site footer, or the chat assistant on any page.</p>
+
+  <p style="font-size:13.5px;margin-top:26px;border-top:1px solid var(--line);padding-top:14px">This page describes our actual practices in plain language. It is not legal advice.</p>
+</main>
+<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="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
+<script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/nav-dash.js" defer></script></body></html>

public/refunds.html

@@ -0,0 +1,63 @@
+<!doctype html><html lang="en"><head><meta charset="utf-8"><meta name="viewport" content="width=device-width,initial-scale=1"><meta name="robots" content="all"><meta name="description" content="Refund and payment policy for this independent RM Circle team resource: membership payments are made in cryptocurrency directly between members on a public smart contract. We never hold member funds, and payments cannot be reversed."><title>Refund &amp; Payment Policy | RM Circle Team Build</title>
+<link rel="canonical" href="https://rmcircle.team/refunds">
+<link rel="icon" type="image/png" href="/favicon.png"><link rel="stylesheet" href="/styles.css">
+<style>
+  .pol{max-width:780px;margin:0 auto;padding:26px 20px 70px}
+  .pol h1{font-size:clamp(28px,5vw,40px);margin:8px 0 6px}
+  .pol .upd{color:var(--muted);font-size:13px;margin-bottom:20px}
+  .pol h2{font-size:21px;margin:28px 0 8px}
+  .pol p,.pol li{color:var(--muted);line-height:1.7;font-size:16px}
+  .pol p{margin-bottom:12px}
+  .pol ul{margin:0 0 14px 22px}
+  .pol li{margin-bottom:8px}
+  .pol strong{color:var(--text)}
+  .pol .key{border:2px solid var(--gold);border-radius:12px;padding:16px 20px;margin:18px 0}
+  .pol .key p{color:var(--text);margin:0;font-size:16.5px}
+</style></head>
+<body>
+<header class="wrap nav"><a class="brand" href="/"><img class="brand-mark" src="/logo.jpg" alt="The RM Circle" width="42" height="42"><span><span id="brandName">RM Circle</span><small>Refund &amp; Payment Policy</small></span></a><div class="nav-actions"><a class="btn btn-secondary hide-mobile" href="/disclaimer">Disclaimers</a><a class="btn btn-primary" href="/">Home</a></div></header>
+<main class="pol">
+  <div class="eyebrow">Policy</div>
+  <h1>Refund &amp; <span class="gold">Payment Policy.</span></h1>
+  <p class="upd">Last updated 28 August 2026</p>
+
+  <div class="key"><p><strong>The short version:</strong> membership payments are made in cryptocurrency, directly from your wallet to other members, on a public smart contract. We never receive, hold, or control that money — so there is no one who can reverse it, and <strong>all payments are final and non-refundable.</strong></p></div>
+
+  <h2>Who we are, and what we do not do</h2>
+  <p>This site is an <strong>independent team resource</strong> operated by members of the RM Circle team. We are not the owners or operators of the smart contract, and we are not a payment processor, an exchange, a broker, or a custodian.</p>
+  <p><strong>We never take custody of your money.</strong> We do not collect membership payments, we do not hold balances on your behalf, and we do not have the ability to move, freeze, or return funds that belong to you or to any other member. We build tools and training that run <em>on top of</em> the smart contract's rails, for the benefit of the people using it.</p>
+
+  <h2>How payments actually work</h2>
+  <ul>
+    <li>You pay from <strong>your own wallet</strong>, which only you control.</li>
+    <li>The smart contract distributes that payment <strong>in the same transaction</strong> — to your sponsor and to other qualifying members. The contract holds no pooled balance.</li>
+    <li>Every payment is recorded publicly on the Polygon blockchain and can be verified by anyone at any time.</li>
+  </ul>
+
+  <h2>Why payments cannot be refunded</h2>
+  <p>Cryptocurrency transactions on a public blockchain are <strong>irreversible by design</strong>. Once a transaction is confirmed, no person, company, or administrator can undo it — not us, not the contract's operators, not the network. The money has already moved to the members it was sent to.</p>
+  <p>Because of this, <strong>all membership payments and upgrade payments are final. No refunds, chargebacks, cancellations, or returns are possible.</strong> Please treat every payment as permanent before you make it.</p>
+
+  <h2>What your payment includes</h2>
+  <p>A paid position is not a purchase of a physical product to be shipped or returned. It provides <strong>immediate, ongoing access</strong> to digital benefits that are delivered as soon as the position exists — including the team's training course, promotional tools, printable materials, dashboards, AI-assisted tools, and (where offered) advertising resources.</p>
+  <p>Because these are digital and access begins immediately, they are <strong>consumed on delivery</strong> and are not returnable, in addition to the blockchain irreversibility described above.</p>
+
+  <h2>Before you pay</h2>
+  <ul>
+    <li><strong>Only use funds you can genuinely afford to lose.</strong> Never use borrowed money, rent money, or money you need.</li>
+    <li>Read the <a href="/contract" style="color:var(--teal)">contract security review</a> and verify the contract yourself on-chain. Nothing here requires you to take our word for it.</li>
+    <li>Understand that <strong>no income is guaranteed</strong>. Results depend entirely on your own effort and on factors outside anyone's control, and most participants may not profit. See our <a href="/disclaimer" style="color:var(--teal)">full disclaimers</a>.</li>
+    <li>Cryptocurrency values move. The value of what you pay, and of anything you may receive, can fall as well as rise.</li>
+    <li>If you are unsure, <strong>do not pay.</strong> There is no deadline that is worth risking money you cannot lose.</li>
+  </ul>
+
+  <h2>Mistakes and wrong transactions</h2>
+  <p>Because we never hold funds, we cannot recover cryptocurrency sent to a wrong address, sent on the wrong network, or sent in the wrong amount. Always double-check the address, the network (Polygon), and the amount before confirming any transaction in your wallet.</p>
+
+  <h2>Questions</h2>
+  <p>If something on this site is unclear, ask before you pay — through the team channel linked in the site footer, or the chat assistant on any page. We would far rather answer a question than have someone spend money they did not understand.</p>
+
+  <p style="font-size:13.5px;margin-top:26px;border-top:1px solid var(--line);padding-top:14px">This page explains how payments work on this independent team resource. It is not legal, financial, tax, or investment advice.</p>
+</main>
+<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="/privacy">Privacy</a><a href="/refunds">Refunds</a></div></footer>
+<script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/nav-dash.js" defer></script></body></html>

public/start.html

@@ -5,7 +5,7 @@
 <body>
 <header class="wrap nav"><a class="brand" href="/"><img class="brand-mark" src="/logo.jpg" alt="The RM Circle" width="42" height="42"><span><span id="brandName">RM Circle</span><small>Getting Started</small></span></a><div class="nav-actions"><a class="btn btn-secondary" href="/">← Strategy</a><a class="btn btn-secondary" href="/training">Training</a></div></header>
 <main class="sponsor-shell"><div class="wrap"><div class="section-head"><div class="eyebrow">Current placement</div><h1 style="font-size:clamp(34px,5vw,54px);margin:8px 0 10px">Use the sponsor shown on <span class="gold">this page.</span></h1><p>Team placements rotate as positions become qualified. Do not use an old screenshot or saved referral link.</p></div>
-<div class="sponsor-grid"><aside class="sponsor-card"><span class="live-badge"><span class="dot"></span> Current team sponsor</span><div class="sponsor-id" id="sponsorId">—</div><div class="sponsor-name" id="sponsorName">Loading current placement…</div><div id="progressArea"><div style="display:flex;justify-content:space-between;color:var(--muted);font-size:13px"><span>Qualification progress</span><strong id="progressText">0 / 2</strong></div><div class="progress-line"><span id="progressBar" style="width:0%"></span></div></div><div class="facts"><div class="fact"><small>Program</small><strong>Premium</strong></div><div class="fact"><small>Entry</small><strong><span id="entryPol">362</span> POL</strong><small id="entryUsd"></small></div><div class="fact"><small>Network</small><strong>Polygon</strong></div><div class="fact"><small>Gas token</small><strong>POL</strong></div></div><a id="joinButton" class="btn btn-primary" style="width:100%" href="/join-now">Join With Current Sponsor →</a><button id="copyButton" class="btn btn-secondary" style="width:100%;margin-top:9px">Copy Sponsor ID</button><p class="micro" style="text-align:center;margin-top:9px">💳 No crypto yet? You can <a href="https://www.moonpay.com/buy/matic" target="_blank" rel="noopener nofollow" style="color:var(--teal)">buy POL with a card via MoonPay</a> — sent to your own wallet. How-to in <a href="/training" style="color:var(--teal)">the training</a>.</p><p class="micro" id="queueText" style="text-align:center"></p><a id="dappJoinLink" class="micro hidden" href="#" target="_blank" rel="noopener noreferrer" style="display:block;text-align:center;margin-top:4px">Prefer the official RM Circle dApp? Join there →</a></aside>
+<div class="sponsor-grid"><aside class="sponsor-card"><span class="live-badge"><span class="dot"></span> Current team sponsor</span><div class="sponsor-id" id="sponsorId">—</div><div class="sponsor-name" id="sponsorName">Loading current placement…</div><div id="progressArea"><div style="display:flex;justify-content:space-between;color:var(--muted);font-size:13px"><span>Qualification progress</span><strong id="progressText">0 / 2</strong></div><div class="progress-line"><span id="progressBar" style="width:0%"></span></div></div><div class="facts"><div class="fact"><small>Program</small><strong>Premium</strong></div><div class="fact"><small>Entry</small><strong><span id="entryPol">362</span> POL</strong><small id="entryUsd"></small></div><div class="fact"><small>Network</small><strong>Polygon</strong></div><div class="fact"><small>Gas token</small><strong>POL</strong></div></div><a id="joinButton" class="btn btn-primary" style="width:100%" href="/join-now">Join With Current Sponsor →</a><p class="micro" style="margin:10px 0 0;color:var(--muted);line-height:1.5">Your position also unlocks the team toolkit — promo center, printable handouts with your QR, the Circle Method course, live dashboard and AI coach. <a href="/how-pay-works#exact-costs" style="color:var(--teal)">What that includes →</a></p><button id="copyButton" class="btn btn-secondary" style="width:100%;margin-top:9px">Copy Sponsor ID</button><p class="micro" style="text-align:center;margin-top:9px">💳 No crypto yet? You can <a href="https://www.moonpay.com/buy/matic" target="_blank" rel="noopener nofollow" style="color:var(--teal)">buy POL with a card via MoonPay</a> — sent to your own wallet. How-to in <a href="/training" style="color:var(--teal)">the training</a>.</p><p class="micro" id="queueText" style="text-align:center"></p><a id="dappJoinLink" class="micro hidden" href="#" target="_blank" rel="noopener noreferrer" style="display:block;text-align:center;margin-top:4px">Prefer the official RM Circle dApp? Join there →</a></aside>
 <section><div class="callout" style="margin-bottom:16px"><strong>First time?</strong> <a href="/training" style="color:var(--teal)">Watch the four training videos</a> — how the build works, creating your MetaMask wallet, funding it, and buying your position.</div><div class="instruction-list"><article class="instruction"><div class="num">1</div><div><h3>Install or open a wallet</h3><p>Use <strong>MetaMask</strong> or <strong>Trust Wallet</strong> — only from the official website or your device's official app store. Never install a wallet from a link sent by a stranger.</p><div style="margin-top:10px"><a class="btn btn-secondary btn-sm" href="https://metamask.io/" target="_blank" rel="noopener noreferrer">Official MetaMask Site ↗</a></div></div></article>
 <article class="instruction"><div class="num">2</div><div><h3>Use Polygon Mainnet</h3><p>In MetaMask, select Polygon. Polygon Mainnet uses chain ID <strong>137</strong>, and POL is the native gas token.</p></div></article>
 <article class="instruction"><div class="num">3</div><div><h3>Fund your wallet with POL</h3><p>Premium entry is <strong><span id="entryPol2">362</span> POL</strong><span id="entryUsd2" style="color:var(--muted)"></span>. Keep a small additional POL balance for network gas — think of it like a car: every transaction is a short trip, and each trip burns a little fuel. Keep something in the tank beyond your entry so your wallet can always make the drive. POL's USD value changes with the market.</p></div></article>
@@ -15,5 +15,5 @@
 <div class="callout" style="margin-top:16px"><strong>What happens next:</strong> get your 2 directs to qualify, then keep sharing the very same link — once you're qualified it automatically credits whoever in your leg needs a direct next, while you help your 2 get their 2 (their own directs are what qualify them). If a referral lands straight on your qualified position anyway, it's a bonus: it still pays you and spills down your leg. Upgrade with earned POL when practical, and stay ahead of your team's levels so payments never pass you by.</div>
 <div class="callout warning" style="margin-top:12px"><strong>Risk reminder:</strong> participation involves cryptocurrency and smart-contract risk. No income is guaranteed. Use only funds you can afford to lose.</div><div id="supportBox" class="notice" style="margin-top:12px"></div><div id="supportLinkWrap" class="hidden" style="margin-top:10px"><a id="supportLink" class="btn btn-secondary" target="_blank" rel="noopener noreferrer">Open Team Support ↗</a></div></section></div>
 <figure class="roadmap-figure"><a href="/roadmap.webp" target="_blank" rel="noopener"><img src="/roadmap.webp" alt="RM Circle Premium Team Build Roadmap — core strategy, step-by-step guide, premium levels, and duplication formula" width="1149" height="1369" loading="lazy"></a><figcaption>This roadmap is the plan every member follows — tap to view full size.</figcaption></figure></div></main>
-<footer class="wrap disclaimer">This is an independent RM Circle Team Build onboarding resource, not an owner/principal page. Always confirm transaction details in your wallet before signing. Never disclose your Secret Recovery Phrase.<div class="footer-links"><a href="/my">Already joined? Open your Member Dashboard →</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></div></footer>
+<footer class="wrap disclaimer">This is an independent RM Circle Team Build onboarding resource, not an owner/principal page. Always confirm transaction details in your wallet before signing. Never disclose your Secret Recovery Phrase.<div class="footer-links"><a href="/my">Already joined? Open your Member Dashboard →</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>
 <script src="/track.js"></script><script src="/start.js"></script><script src="/payouts.js" defer></script><script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/tg-app.js" defer></script><script src="/nav-dash.js" defer></script></body></html>

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>
 </div></section>
 </main>
-<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>

public/training.html

@@ -87,5 +87,5 @@
 <div class="callout warning" style="max-width:880px;margin:14px auto 0"><strong>Risk reminder:</strong> participation involves cryptocurrency and smart-contract risk. No income is guaranteed. Use only funds you can afford to lose.</div>
 </div></section>
 </main>
-<footer class="wrap disclaimer">This is an independent RM Circle Team Build training resource. Always confirm transaction details in your wallet before signing. Never disclose your Secret Recovery Phrase.<div class="footer-links"><a href="/">Strategy</a><a href="/start">Getting Started</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</a><a href="/disclaimer">Disclaimers</a><a href="/how-pay-works">How You Get Paid</a><a href="/tools">Promo Tools</a></div></footer>
+<footer class="wrap disclaimer">This is an independent RM Circle Team Build training resource. Always confirm transaction details in your wallet before signing. Never disclose your Secret Recovery Phrase.<div class="footer-links"><a href="/">Strategy</a><a href="/start">Getting Started</a><a href="/contract">Contract Security</a><a href="/admin">Team Admin</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>
 <script src="/track.js"></script><script src="/rmc-wallet.js"></script><script src="/training.js"></script><script src="/wallet-notice.js" defer></script><script src="/chat.js" defer></script><script src="/translate.js" defer></script><script src="/tg-app.js" defer></script><script src="/nav-dash.js" defer></script></body></html>

server.js

@@ -1034,7 +1034,7 @@ const server=http.createServer(async(req,res)=>{
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     }
     let file;
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+    if(pathname==='/')file=path.join(PUBLIC_DIR,'index.html');else if(pathname==='/app'||pathname==='/app/')file=path.join(PUBLIC_DIR,'app.html');else if(pathname==='/start'||pathname==='/start/')file=path.join(PUBLIC_DIR,'start.html');else if(pathname==='/training'||pathname==='/training/')file=path.join(PUBLIC_DIR,'training.html');else if(pathname==='/admin'||pathname==='/admin/')file=path.join(PUBLIC_DIR,'admin.html');else if(pathname==='/my'||pathname==='/my/'||/^\/my\/\d{1,15}$/.test(pathname))file=path.join(PUBLIC_DIR,'my.html');else if(pathname==='/contract'||pathname==='/contract/')file=path.join(PUBLIC_DIR,'contract.html');else if(pathname==='/disclaimer'||pathname==='/disclaimer/')file=path.join(PUBLIC_DIR,'disclaimer.html');else if(pathname==='/privacy'||pathname==='/privacy/')file=path.join(PUBLIC_DIR,'privacy.html');else if(pathname==='/refunds'||pathname==='/refunds/')file=path.join(PUBLIC_DIR,'refunds.html');else if(pathname==='/how-pay-works'||pathname==='/how-pay-works/')file=path.join(PUBLIC_DIR,'how-pay-works.html');else if(pathname==='/tools'||pathname==='/tools/')file=path.join(PUBLIC_DIR,'tools.html');else if(pathname==='/fast-start'||pathname==='/fast-start/')file=path.join(PUBLIC_DIR,'fast-start.html');else if(pathname==='/flyers'||pathname==='/flyers/')file=path.join(PUBLIC_DIR,'flyers.html');else if(pathname==='/weekly-rhythm'||pathname==='/weekly-rhythm/')file=path.join(PUBLIC_DIR,'weekly-rhythm.html');else if(pathname==='/generation-pay'||pathname==='/generation-pay/')file=path.join(PUBLIC_DIR,'generation-pay.html');else if(pathname==='/suite'||pathname==='/suite/')file=path.join(PUBLIC_DIR,'suite.html');else if(pathname==='/suite/copy'||pathname==='/suite/copy/')file=path.join(PUBLIC_DIR,'suite-copy.html');else if(pathname==='/suite/page'||pathname==='/suite/page/')file=path.join(PUBLIC_DIR,'suite-page.html');else if(pathname==='/direct-join'||pathname==='/direct-join/'){if(!getSession(req)){res.writeHead(302,{Location:'/admin'});return res.end();}file=path.join(ROOT,'private','direct-join.html');}else if(pathname==='/join-now'||pathname==='/join-now/'){if(!getConfig().dappFallbackPublic){res.writeHead(302,{Location:'/start'});return res.end();}file=path.join(ROOT,'private','join-now.html');}else if(/^\/join\/\d{1,15}$/.test(pathname))file=path.join(PUBLIC_DIR,'join.html');else if(pathname==='/join'||pathname==='/join/'){res.writeHead(302,{Location:'/join-now'});return res.end();}else{
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