// policy.jsx — Terms of Service, Privacy Policy, Refund Policy

function PolicyPage({ onOpenModal, onBookDemo, onNav }) {
  const [active, setActive] = React.useState("terms");

  const scrollTo = (id) => {
    const el = document.getElementById(id);
    if (!el) return;
    const y = el.getBoundingClientRect().top + window.pageYOffset - 100;
    window.scrollTo({ top: y, behavior: "smooth" });
    setActive(id);
  };

  // Update active TOC pill on scroll
  React.useEffect(() => {
    const ids = ["terms", "privacy", "refund"];
    const onScroll = () => {
      let current = "terms";
      for (const id of ids) {
        const el = document.getElementById(id);
        if (!el) continue;
        if (el.getBoundingClientRect().top - 120 <= 0) current = id;
      }
      setActive(current);
    };
    window.addEventListener("scroll", onScroll, { passive: true });
    onScroll();
    return () => window.removeEventListener("scroll", onScroll);
  }, []);

  return (
    <div className="page">
      <section className="hero" style={{ paddingBottom: 24 }}>
        <div className="container">
          <div style={{ maxWidth: 820, margin: "0 auto", textAlign: "center" }}>
            <span className="kicker" style={{ marginBottom: 22 }}><span className="dot" /> Legal</span>
            <h1>Terms, privacy &amp; <span className="display-em">refund policy.</span></h1>
            <p className="hero-lede" style={{ margin: "20px auto 0" }}>
              The rules of the road. Most of what you need is in the TL;DR — the full agreements are below.
            </p>
          </div>
        </div>
      </section>

      <section className="section section--tight">
        <div className="container">
          <div className="policy-wrap" style={{ margin: "0 auto" }}>
            <div className="policy-tldr">
              <div className="policy-tldr-tag">TL;DR</div>
              <p>
                Pricing is in <strong>USD</strong>. It's a subscription that <strong>auto-renews</strong> unless cancelled.
                By subscribing you agree to our Terms &amp; Conditions. Cancellation requires{" "}
                <strong>at least 7 days notice</strong>. We offer a <strong>14-day money-back guarantee</strong> for our
                social media posting service, but after that we offer no refunds.
              </p>
            </div>

            <nav className="policy-toc" aria-label="Policy sections">
              <button data-on={active === "terms" ? "1" : "0"} onClick={() => scrollTo("terms")}>Terms of Service</button>
              <button data-on={active === "privacy" ? "1" : "0"} onClick={() => scrollTo("privacy")}>Privacy Policy</button>
              <button data-on={active === "refund" ? "1" : "0"} onClick={() => scrollTo("refund")}>Refund Policy</button>
            </nav>

            <Terms />
            <Privacy />
            <Refund />

            <div className="policy-foot">
              <span>Last updated · May 2026</span>
              <span>Questions? <a href="#contact" onClick={(e) => { e.preventDefault(); onNav && onNav("contact"); }} style={{ color: "var(--ink-2)", borderBottom: "1px solid var(--line)", paddingBottom: 1 }}>Contact us</a></span>
            </div>
          </div>
        </div>
      </section>

      <FinalCTA onOpenModal={onOpenModal} onBookDemo={onBookDemo} />
    </div>);

}

// ── Terms of Service ─────────────────────────────────────────────────────
function Terms() {
  return (
    <article className="policy-prose" id="terms">
      <h2>Terms of Service</h2>
      <p>
        This Terms of Service Agreement (the “Agreement”) outlines the terms and conditions under which you
        (the “Client”) have engaged $99 Social to provide specific services as defined herein. This is a legally
        binding agreement between you and $99 Social. By becoming a $99 Social Client, you agree to abide by the
        terms and conditions set forth in this Agreement. The “Effective Date” of this Agreement will be the date
        on which you submit your order for Services to $99 Social.
      </p>

      <h3>1. Services</h3>
      <p>
        $99 Social will provide Services to Client as detailed on the $99 Social website
        (www.99dollarsocial.com). This agreement overrides all previous agreements and is presented to you during
        sign-up for your approval. It is your responsibility to thoroughly read these terms to fully understand
        what you are agreeing to.
      </p>
      <p>
        <strong>1.1</strong> Given the nature of working with third-party platforms such as Facebook, Instagram,
        Twitter, Google My Business, Pinterest, and LinkedIn, we sometimes have no control over issues that may
        arise, such as disconnections or password changes. If you alter your password, you are required to notify
        $99 Social promptly to prevent any service interruption. It is recommended to review your accounts and
        our work at least once a week, as well as provide us with guidance and feedback. In the event of a
        disconnect or an inability to access the account for posting, the client agrees to not hold $99 Social
        accountable. As long as we continue creating content for your business, we are fulfilling our service as
        described. If we lack access to any platforms, we can compensate for any missed posts by posting twice a
        day until the backlog of missed posts is cleared. Missed posts due to account lockouts that are not the
        fault of $99 Social do not qualify for a refund. Keep reading for information on our cancellation and
        refund policies.
      </p>

      <h3>2. $99 Social Obligations</h3>
      <p>
        <strong>2.1</strong> $99 Social will provide Services to the Client following $99 Social's standard
        policies and procedures. $99 Social retains the right to decline Clients for any reason, at $99 Social's
        sole discretion. $99 Social will manage all aspects of providing the Services.
      </p>
      <p>
        <strong>2.2</strong> All $99 Social rules, policies, and operating procedures concerning privacy,
        pricing, customer service, and all other service aspects will apply, and $99 Social may modify its rules,
        policies, and operating procedures at its sole discretion from time to time. This includes pricing,
        package inclusions, and more. You may be grandfathered into an archived product if we can still offer it,
        but that decision lies at $99 Social's sole discretion.
      </p>

      <h3>3. Services, Fees, and Payment</h3>
      <p>
        <strong>3.1</strong> All fees for Services rendered to the Client are due in full, payable in advance of
        the provision of Services. A valid credit card for monthly payment of fees should be securely maintained
        on file to cover recurring charges for service.
      </p>
      <p>
        <strong>3.2</strong> Initial service charges must be paid in advance. Subsequently, $99 Social will
        attempt to charge the Client's credit card on the monthly anniversary of the client's initial order of
        services. Any charges not paid by the due date will lead to a suspension of Services until full payment
        is secured. Suspension of Services due to non-payment does not warrant a proration of fees.
      </p>

      <p>
        <strong>3.3 Refund Policy</strong> — Except in cases where $99 Social materially breaches this agreement,
        $99 Social does not issue refunds of any fees beyond the 14-day money-back guarantee, which applies only
        to your initial order of social media content services, specifically: Social Media Management, Short Form
        Reels Content.
      </p>
      <div className="policy-callout">
        The 14-day money-back guarantee <strong>does not apply</strong> to any other services, including but not limited to:
        Ad Management (Meta Ads, Google Ads, TikTok Ads), SEO Services, Instagram Growth, Any additional or custom services.
      </div>
      <p>
        Refunds requested within the eligible 14-day window will only be processed after all related social media
        content has been deleted from your pages. You also agree not to use any content created by $99 Social for
        your business once a refund has been issued.
      </p>
      <p>
        All fees paid to $99 Social are compensation for time and labor performed and are not contingent on
        marketing results. $99 Social may issue service credits in the case of substantiated errors on our part.
      </p>

      <p>
        <strong>3.4 Cancellation Policy</strong> — Cancellations are entirely self-service, and you can cancel a
        subscription via your client portal by signing in here:{" "}
        <a href="https://clients.99dollarsocial.com/login" target="_blank" rel="noopener noreferrer">https://clients.99dollarsocial.com/login</a> and visiting the
        ‘subscriptions’ section. We do not issue prorated refunds for cancellations made early in a billing
        period, but we will complete the remaining month(s) if requested (this includes multi-month plans where
        the client received a discount; however, we will require the discounted price to be voided and the
        difference paid before the continuation of service).
      </p>
      <p>
        <strong>3.5</strong> Continued work on a past-due client who did not cancel will result in accrued
        back-payments due, but we do not charge interest. We commit to maintaining precise records of all
        communication and work performed to justify the back-payment due.
      </p>
      <p>
        <strong>3.6</strong> Our Services officially begin on the day you sign up, and we initiate the onboarding
        process, not when we make the first post. We do not charge a setup fee for this reason. This setup work
        and onboarding fee are included in the monthly payment. If onboarding extends beyond seven business days
        due to a delay by $99 Social, we will adjust your billing date to ensure you receive a full month of
        service once you are onboarded with at least one profile.
      </p>
      <p>
        <strong>3.7</strong> This Agreement will supersede all other agreements between the Parties on the same
        subject matter, including any agreements, instructions, or claims made by $99 Social's employees, unless
        a formal variance is confirmed and agreed upon by the client and executive-level management at $99
        Social, including the CEO of $99 Social.
      </p>
      <p>
        <strong>3.8 Posting to Multiple Platforms and Missed Posts</strong> — In case your social media pages get
        disconnected from our posting software, you will be automatically notified to reconnect your profiles. If
        you fail to reconnect your profiles, it is your responsibility, and $99 Social will not be held liable or
        issue any credit or partial refunds. However, we will reschedule the posts as soon as you reconnect your
        pages. We advise our clients to check their social media accounts twice a week, not just to review
        content and provide feedback, but also to alert us of any possible disconnects so we can promptly
        reconnect. For this reason, if $99 Social is creating social media posts and sending them to the client
        for review in any format, then we are fulfilling our contractual obligation as laid out in our terms and
        conditions.
      </p>
      <p>
        <strong>3.9 Post Quality</strong> — Social media management is a highly tailored service; preferences
        can vary widely from one client to another. If you would like to approve social media posts before they
        are automatically shared on your profiles, the Content Panel must be included in your chosen plan. This
        feature is standard in our Pro, Growth, and Premium Social Media Posts Plans. If the Content Panel isn't
        included, we will send you the posts for manual sharing.
      </p>
      <p>
        Any typographical errors or posts shared on the wrong day (e.g., a Christmas Day post shared on December
        28th) usually occur due to adjustments that alter the date queue in our publishing software. In such
        instances, we will offer a credit of 5% (approximately the cost of a single post) based on your package
        level per post issue. We do not issue refunds for typographical errors or date mismatches. Despite our
        “No typo policy” and penalties imposed on our social media designers/writers, you agree to accept credit
        for all such incidents.
      </p>
      <p>
        <strong>3.10 Content Review and Approval</strong> — All plans continue to be fulfilled even in the
        absence of client feedback or approval of the content. Unless the plan is cancelled, $99 Social will
        continue to provide services. If a client fails to approve content for any period, they can resume the
        approval process whenever they are ready. Our policy is to pause billing while the previously created
        backlog of plans gets approved and posted to the client's account. At this point, the client can either
        cancel or resume normal billing. The client agrees to one round of edits per week of plans.
      </p>
      <p>
        <strong>3.11 Regular Reviews</strong> — You agree to consistently review your content panel and social
        media accounts, dedicating approximately 10 minutes every other week to ensure our posts meet your
        expectations and no platforms are missing posts. $99 Social is not responsible for missed posts on any
        platforms due to uncontrollable disconnects like changed passwords or security lockouts, or for
        editing/removing content that has been posted over two weeks ago or longer.
      </p>
      <p>
        <strong>3.12 Blog Posts</strong> — After the completion of the first draft, a maximum of two revisions
        are allowed, after which the delivered product will be deemed final. All blog articles are considered
        final and approved after 4 weeks of receiving no feedback. After this period, you agree that no further
        revisions will be made.
      </p>
      <p>
        <strong>3.13 Reseller Program</strong> — All terms and conditions within this agreement apply to any
        customers you introduce as a reseller. We recommend using our agreement as a template for your clients to
        sign a similar document. Resellers must pay for services in advance for their clients, and it is the
        reseller's sole responsibility to collect payment from their customers. If your customer fails to pay
        you, we will not issue a refund for the services rendered. As a reseller, you must inform us promptly if
        any of your customers are cancelling. If we are not properly notified of the cancellation as described in
        this agreement and continue to provide services, you will be fully responsible for the payment of these
        services. No refund policy is in place once a client has been onboarded. The reseller's responsibilities
        also include managing and facilitating timely client communication between your client and $99 Social.
        Delays in communication can lead to various issues, and we will not issue refunds for missed posts due to
        disconnects; reviewing social content and connections as described in this agreement is your
        responsibility.
      </p>
      <p>
        <strong>3.14 Disputes</strong> — In the event of a client breaching our terms and conditions, we will
        resolutely defend our position, utilizing legal avenues when necessary. Your account will then be
        forwarded to a debt collection agency, and we will report you to all three credit reference agencies.
      </p>
      <p>
        <strong>3.15 Less Tech-Savvy Clients</strong> — We understand that not all clients may be familiar with
        technology, various software, or even the workings of social media. That's why we invest a considerable
        amount of time in onboarding your account to ensure the delivery of our service. This includes time spent
        explaining the process, exchanging emails, and participating in phone calls. This all counts as time
        spent serving your account. Please note, if you choose to cancel after the 14-day money-back guarantee
        period, no refunds will be provided. However, you are welcome to continue using our services until the
        end of the paid month. Your decision to cancel due to frustration does not discount the time and work
        we've already invested in your account.
      </p>
      <p>
        <strong>3.16 Resellers</strong> — If you join us as a Reseller using your Cloud Campaign account and then
        decide to cancel that account, we must halt your services immediately until we can onboard you onto our
        platform. If you cancel your Cloud Campaign without prior notice and do not wish to continue with $99
        Social's service, you will forfeit the remaining balance of the month's fees with no prorated refunds
        provided. Please note that $99 Social and Cloud Campaign are two separate entities, so if you wish to
        cancel both accounts, you'll need to do so on each platform individually.
      </p>
      <p>
        <strong>3.17 Business Structure and Client Phone Communication</strong> — As an online subscription-based
        social media service rather than a full-service marketing agency, our customer service is focused on
        inbound communication. This means you have the responsibility of regularly checking your social media
        pages/Content Panel on all plans and providing feedback if necessary. As a budget-friendly social media
        management company, our major expenses lie in customer support. Therefore, we use a call booking system.
        Before signing up, we provide a free 30-minute consultation call. This gives you the chance to understand
        more about our service and have all your queries answered before starting. Once you become a customer,
        we also offer a free 15-minute onboarding call. However, post the onboarding call, all customer support
        is online to maintain our low-cost services. Our customer support team is ready to assist you via live
        chat, email, or tickets via the client portal. Please avoid booking customer support calls as they will
        be cancelled.
      </p>
      <p>
        <strong>3.18</strong> Please familiarize yourself with our Phone Support Policy here:{" "}
        <a href="https://knowledgebase.99social.com/article/i-need-a-phone-call">
          https://knowledgebase.99social.com/article/i-need-a-phone-call
        </a>
      </p>

      <h3>4. Warranty Disclaimers</h3>
      <p>
        <strong>4.1 Refund Policy</strong> — Once the payment has been made and the 14-day money-back guarantee
        period has lapsed, no refunds will be issued. As outlined throughout these terms and conditions, due to
        the nature of operating on third-party platforms, instances of disconnection, delayed review of our work
        by clients, and our operation as a monthly subscription service (rather than a full-service agency), we
        offer absolutely no refunds. In the event that we fail to create at least one post per week, you agree to
        accept credit equivalent to the value of that post.
      </p>
      <p>
        <strong>4.2</strong> $99 Social specifically disclaims any and all warranties related to this Agreement,
        the Services, or any support or materials provided to the Client, be they express or implied. This
        includes but is not limited to warranties of merchantability, consistency of performance or dealing,
        trade practice, title, non-infringement, and fitness for a particular purpose.
      </p>

      <h3>5. Indemnity</h3>
      <p>
        <strong>5.1</strong> The client agrees to indemnify and hold harmless $99 Social, its customers,
        suppliers, directors, officers, agents, and employees from and against any and all losses, costs,
        damages, liabilities, and expenses (including, without limitation, reasonable attorneys' fees) resulting
        from or connected to any violation of the terms of this Agreement by the client.
      </p>
      <p>
        <strong>5.2 Social Media Account Suspensions, Access Loss, or Deletion</strong> — The client agrees to
        indemnify and hold harmless $99 Social, its customers, suppliers, directors, officers, agents, and
        employees from and against any and all losses, costs, damages, liabilities, and expenses (including,
        without limitation, reasonable attorneys' fees) related to issues such as social media account
        suspensions, copyright disputes, unintentional loss of access, account deletion, or any other issues
        concerning third-party platforms. Factors leading to a social media account suspension or disablement may
        include, but are not limited to, the usage of bots or plug-ins that violate the social platform's TOS,
        setting up a personal account as a business account, failing to verify your account (e.g., not verifying
        your Twitter or Instagram account with an email and frequently adding a phone number that can receive
        texts to confirm the account), personal accounts should display a real person's photo, not a logo, and
        should behave as a person, not a business. As previously mentioned, you are required to log into your
        content panel or social media accounts regularly (weekly is standard, but at least once a month) to
        ensure they remain active and don't get flagged due to constant posts without the account owner ever
        logging in. This is a crucial responsibility for you, the client. This clause also applies to a
        reseller's client, and you are required to have them sign a similar contract.
      </p>
      <p>
        <strong>5.3</strong> $99 Social uses only images provided by the client or selected from several
        databases offering royalty-free images for marketing purposes when creating graphics for posts. We pay
        for many of these services. Nevertheless, the client will indemnify and hold harmless $99 Social and its
        customers, suppliers, directors, officers, agents, and employees from and against any and all losses,
        costs, damages, liabilities, and expenses (including, without limitation, reasonable attorneys' fees)
        arising out of or relating to any issues with content posted on a client's social media account that
        result in any claims of copyright infringement. The client agrees to assume full responsibility for the
        content posted on their accounts.
      </p>

      <h3>6. Portfolio Rights</h3>
      <p>
        We reserve the right to display completed work, including designs, graphics, and social media content
        created for clients, in our portfolio, website, marketing materials, and social media channels for
        promotional purposes. If you prefer that your work not be displayed publicly, you may request in writing
        that we exclude it from our portfolio, and we will comply within a reasonable timeframe.
      </p>

      <h3>7. Limitation of Liability</h3>
      <p>
        $99 Social shall not be liable to the Client or any entity or person claiming through or under the Client
        for any loss of profit or income or other indirect, consequential, incidental, or special damages,
        whether in an action for contract or tort, in connection with this Agreement, even if $99 Social has been
        advised of the possibility of such damages. In no event shall $99 Social's liability to the Client
        hereunder exceed the amount paid to $99 Social by the Client for the previous one (1) month of services.
        This limit is cumulative and the existence of more than one claim will not enlarge the limit. The Client
        acknowledges that these limitations of liability are an essential element of the bargain between the
        parties and in their absence, the terms and conditions of this Agreement would be substantially
        different.
      </p>

      <h3>8. Miscellaneous</h3>
      <p>
        This Agreement constitutes the entire understanding and agreement of the parties with respect to its
        subject matter. This Agreement may be amended from time to time in $99 Social's sole discretion, with the
        most current agreement always published here. An email communication sent to the Client's last known
        email address will be deemed sufficient notice of any such changes in this Agreement. This Agreement
        shall bind upon and benefit the parties' successors and permitted assigns; however, the Client may not
        assign this Agreement, in whole or in part, without $99 Social's prior written consent and any assignment
        by the Client without such consent shall be null and void. This Agreement shall be governed by and
        interpreted in accordance with the laws of the location where $99 Social operates, without regard to its
        conflict of law rules. Any litigation or dispute resolution related to this Agreement shall take place
        in the jurisdiction where $99 Social operates, and the parties hereby consent to the jurisdiction of the
        courts located therein. Except as otherwise expressly set forth herein, any notice required or permitted
        to be given under this Agreement shall be sufficient if in writing, in the English language, and sent via
        the equivalent of the U.K. Royal Mail, return receipt requested. If any provision of this Agreement
        shall be held by a court of competent jurisdiction to be unenforceable, that provision will be severed
        only to the extent minimally necessary, and the remaining provisions of this Agreement will remain in
        full force and effect. The waiver of any breach or default of this Agreement will not constitute a waiver
        of any subsequent breach or default, and will not act to amend or negate the rights of the waiving party.
      </p>

      <h3>9. Credit Card Disputes</h3>
      <p>
        In the event of a credit card dispute, all credits, refunds, and account work come to a halt until the
        dispute is resolved. Resolving a dispute can take one to three months, sometimes longer. Negotiating a
        fair compromise and credit will always be more favorable than filing a dispute in almost all cases. We
        are always willing to negotiate a favorable outcome for both parties.
      </p>
    </article>);

}

// ── Privacy Policy ───────────────────────────────────────────────────────
function Privacy() {
  return (
    <article className="policy-prose" id="privacy">
      <h2>Privacy Policy</h2>
      <p>
        This Privacy Policy governs the manner in which $99 Social collects, uses, maintains and discloses
        information collected from users (each, a “User”) of the{" "}
        <a href="https://www.99dollarsocial.com">https://www.99dollarsocial.com</a> website (“Site”). This privacy
        policy applies to the Site and all products and services offered by $99 Social.
      </p>

      <h3>Personal identification information</h3>
      <p>
        We may collect personal identification information from Users in a variety of ways, including, but not
        limited to, when Users visit our site, subscribe to the newsletter, fill out a form, and in connection
        with other activities, services, features or resources we make available on our Site. We may use your
        contact information to communicate with you about your orders, account activity, and other matters. Users
        may be asked for, as appropriate, name, email address, mailing address, phone number. Users may, however,
        visit our Site anonymously. We will collect personal identification information from Users only if they
        voluntarily submit such information to us. Users can always refuse to supply personally identification
        information, except that it may prevent them from engaging in certain Site related activities.
      </p>
      <p>
        All the above categories exclude text messaging originator opt-in data and consent; this information will
        not be shared with any third parties.
      </p>

      <h3>Non-personal identification information</h3>
      <p>
        We may collect non-personal identification information about Users whenever they interact with our Site.
        Non-personal identification information may include the browser name, the type of computer and technical
        information about Users means of connection to our Site, such as the operating system and the Internet
        service providers utilized and other similar information.
      </p>

      <h3>Web browser cookies &amp; how we use collected information</h3>
      <p>$99 Social collects and uses Users' personal information for the following purposes:</p>

      <h4>To improve our Site</h4>
      <p>We continually strive to improve our website offerings based on the information and feedback we receive from you.</p>

      <h4>To improve customer service</h4>
      <p>Your information helps us to more effectively respond to your customer service requests and support needs.</p>

      <h4>To process transactions</h4>
      <p>
        We may use the information Users provide about themselves when placing an order only to provide service
        to that order. We do not share this information with outside parties except to the extent necessary to
        provide the service.
      </p>

      <h4>To send periodic emails</h4>
      <p>
        The email address Users provide will only be used to respond to their inquiries, and/or other requests or
        questions. If User decides to opt-in to our mailing list, they will receive emails that may include
        company news, updates, related product or service information, etc. If at any time the User would like to
        unsubscribe from receiving future emails, we include detailed unsubscribe instructions at the bottom of
        each email or User may contact us via our Site.
      </p>

      <h4>Tracking Technologies</h4>
      <p>
        We use cookies and similar technologies (including advertising pixels from third parties such as Meta) to
        collect information about how visitors use the site. These technologies collect data such as IP address,
        pages viewed, time on site, and actions taken. This information is used for analytics, improving site
        performance, and advertising purposes. Third-party partners (including Meta) may set their own cookies
        and collect data for their own purposes.
      </p>

      <h3>How we protect your information</h3>
      <p>
        We adopt appropriate data collection, storage and processing practices and security measures to protect
        against unauthorized access, alteration, disclosure or destruction of your personal information,
        username, password, transaction information and data stored on our Site.
      </p>

      <h3>Sharing your personal information</h3>
      <p>
        We do not sell, trade, or rent Users personal identification information to others. We may share generic
        aggregated demographic information not linked to any personal identification information regarding
        visitors and users with our business partners, trusted affiliates and advertisers for the purposes
        outlined above. We may use third party service providers to help us operate our business and the Site or
        administer activities on our behalf, such as sending out newsletters or surveys. We may share your
        information with these third parties for those limited purposes provided that you have given us your
        permission. All the above categories exclude text messaging originator opt-in data and consent; this
        information will not be shared with any third parties.
      </p>

      <h3>Third party websites</h3>
      <p>
        Users may find content on our Site that links to third parties. We do not control the content or links
        that appear on these sites and are not responsible for the practices employed by websites linked to or
        from our Site. In addition, these sites or services, including their content and links, may be
        constantly changing. These sites and services may have their own privacy policies and customer service
        policies. Browsing and interaction on any other website, including websites which have a link to our
        Site, is subject to that website's own terms and policies.
      </p>

      <h3>Changes to this privacy policy</h3>
      <p>
        $99 Social has the discretion to update this privacy policy at any time. When we do, we will revise the
        updated date at the bottom of this page. We encourage Users to frequently check this page for any changes
        to stay informed about how we are helping to protect the personal information we collect. You acknowledge
        and agree that it is your responsibility to review this privacy policy periodically and become aware of
        modifications.
      </p>

      <h3>Your acceptance of these terms</h3>
      <p>
        By using this Site, you signify your acceptance of this policy. If you do not agree to this policy,
        please do not use our Site. Your continued use of the Site following the posting of changes to this
        policy will be deemed your acceptance of those changes.
      </p>

      <h3>Contacting us</h3>
      <p>
        If you have any questions about this Privacy Policy, the practices of this site, or your dealings with
        this site, please contact us.
      </p>

      <h3>California Privacy Rights &amp; Opt-Out of Sharing</h3>
      <p>
        California residents have certain rights regarding their personal information under the California
        Consumer Privacy Act (“CCPA”) as amended by the California Privacy Rights Act (“CPRA”).
      </p>
      <p>
        <strong>California Privacy Rights</strong> — California residents have the right to request access to,
        deletion of, and opt-out of sharing of their personal information collected by us. To exercise these
        rights, contact us at support (at) 99dollarsocial.com. We do not knowingly sell personal information, but
        we may share certain identifiers with advertising partners; California residents can opt out of this
        sharing.
      </p>

      <h4>Right to Opt Out of Sale or Sharing</h4>
      <p>
        We do not sell personal information for monetary consideration. However, we may share certain identifiers
        and internet activity information with advertising and analytics partners (such as social media and
        analytics providers) for purposes of marketing, analytics, and improving our services. California
        residents have the right to opt out of this sharing.
      </p>
      <p>To exercise your right to opt out, you may:</p>
      <ul>
        <li>Email us at support (at) 99dollarsocial.com with the subject line “Do Not Sell or Share My Personal Information,” or</li>
        <li>Enable a recognized opt-out preference signal as described below.</li>
      </ul>

      <h4>Global Privacy Control (GPC)</h4>
      <p>
        We recognize and honor Global Privacy Control (GPC) signals where required by law. If your browser or
        device sends a GPC signal, we will treat it as a valid request to opt out of the sale or sharing of
        personal information associated with that browser or device.
      </p>

      <h4>Right to Access, Correct, or Delete</h4>
      <p>California residents may request to:</p>
      <ul>
        <li>Access the personal information we have collected about them</li>
        <li>Correct inaccurate personal information</li>
        <li>Delete personal information, subject to certain legal exceptions</li>
      </ul>
      <p>
        Requests may be submitted by emailing support (at) 99dollarsocial.com. We may need to verify your
        identity before processing a request.
      </p>

      <h4>Response Time</h4>
      <p>
        We will respond to verifiable consumer requests within 45 days, as required by law. If additional time is
        needed, we will notify you and may extend the response period as permitted by applicable regulations.
      </p>
    </article>);

}

// ── Refund Policy ────────────────────────────────────────────────────────
function Refund() {
  return (
    <article className="policy-prose" id="refund">
      <h2>Refund Policy</h2>
      <div className="policy-callout">
        <strong>The short version:</strong> we offer a <strong>14-day money-back guarantee</strong> for our social media
        posting service. Once you've paid and the 14-day window has passed, there are no refunds.
      </div>
      <p>
        Once you have paid, and completed the 14 day money back guarantee period there are no refunds. Throughout
        these terms and conditions, it is explained that due to the nature of working on third party platforms,
        disconnections, clients not checking our work on time, the fact that we are a month to month subscription
        service (and not a full service agency) there are absolutely no refunds. In the event we fail to create
        at least one post per week, you agree to accept a credit in the amount of the value of that post.
      </p>
    </article>);

}

Object.assign(window, { PolicyPage, Terms, Privacy, Refund });
