Add shared legal pages and wire Privacy Policy and Terms across the app.

Extract privacy and terms content into reusable components, replace auth modals with links to /privacy and /terms, add settings legal section, and remove duplicate legal-modal markup.

Co-authored-by: Cursor <cursoragent@cursor.com>

src/app/(legal)/layout.tsx

@@ -0,0 +1,18 @@
+import type { Metadata } from "next";
+
+import { brand } from "~/lib/branding";
+
+export const metadata: Metadata = {
+  title: {
+    template: `%s | ${brand.name}`,
+    default: `Legal | ${brand.name}`,
+  },
+};
+
+export default function LegalLayout({
+  children,
+}: {
+  children: React.ReactNode;
+}) {
+  return children;
+}