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docs: legal pages — SCA/3-D Secure disclosure, gift-card terms route, footer links, GDPR verification-code scrub

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- Terms & Conditions: DRAFT badge removed, updated to August 2026; SCA / 3-D
  Secure disclosure (online + till refusal behaviour), chargeback section,
  non-refundable-gift-card position, Liability and Acceptable Use sections.
- New /gift-card-terms route with the full gift-card position (14-day online
  cancellation, non-refundable except as the law requires, SPV VAT treatment);
  linked from the Terms page and the new footer.
- Footer now links Privacy Policy / Terms / Cancellation Policy / Gift Card
  Terms / Your Data instead of a bare copyright line.
- GDPR export page: verification-codes card removed — verification codes are
  authentication tokens excluded from the export, so the card could never
  populate (parity with the backend scrub).
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<script lang="ts">
import { resolve } from '$app/paths';
</script>
<svelte:head>
<title>Gift Card Terms</title>
</svelte:head>
<div class="mx-auto max-w-2xl px-4 py-8 text-gray-900">
<h1 class="mb-2 border-b border-gray-200 pb-4 text-2xl font-bold">
Gift Card Terms &amp; Conditions
</h1>
<p class="mb-8 font-mono text-xs text-gray-500">Last updated: August 2026</p>
<div class="space-y-8 text-sm leading-relaxed text-gray-700">
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">1. What These Terms Cover</h2>
<p class="mb-3">
These Gift Card Terms apply to all gift cards, vouchers, and prepaid balances issued by
Crussell Salon ("we", "us", "our"). They supplement our
<a href={resolve('/terms')} class="font-medium text-blue-600 underline hover:text-blue-800"
>Terms &amp; Conditions</a
>.
</p>
<p class="mb-3">
By purchasing, receiving, or using a gift card, you agree to these Gift Card Terms.
</p>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">2. Buying a Gift Card</h2>
<ul class="mb-3 list-disc space-y-1 pl-5">
<li>
<strong>Online:</strong> via our website (card or saved payment method). Online purchases are
£10, £20, or £50.
</li>
<li>
<strong>In the salon:</strong> cash, card, or other accepted payment methods. In-store purchases
and top-ups can be for any amount over £0.
</li>
<li>
<strong>As a gift:</strong> purchased for another person (the recipient receives the gift card
code).
</li>
</ul>
<p class="mb-3">
Each gift card has a unique 12-character code. Treat the code like cash: anyone who has it
can spend it.
</p>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">3. Expiry</h2>
<p class="mb-3">
Gift cards expire <strong>24 months after their last use</strong> (rolling expiry). Each use resets
the 24-month period.
</p>
<ul class="mb-3 list-disc space-y-1 pl-5">
<li>
"Last use" includes redeeming the card to an account, topping it up, checking the balance,
using it to pay, or any action we take on the card.
</li>
<li>Your gift card code and its expiry date are always available in your account.</li>
<li>
If a gift card expires, the balance is not lost: it moves to our recovery system, and we
can restore it when you get in touch with the card code. There is no deadline on recovery
claims.
</li>
</ul>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">4. Using Your Balance</h2>
<p class="mb-3">You can use a gift card in two ways:</p>
<ul class="mb-3 list-disc space-y-1 pl-5">
<li>
<strong>Pay directly with the code</strong> at checkout &mdash; the amount is deducted from
the card's balance, and the remaining balance stays on the card (subject to expiry). You can
split a payment across multiple cards or methods.
</li>
<li>
<strong>Redeem to your account balance</strong> &mdash; the full value moves to your account
balance, which does not expire (although your account may be deleted after 5 years of inactivity).
Once redeemed, the card can no longer be used.
</li>
</ul>
<ul class="mb-3 list-disc space-y-1 pl-5">
<li>Gift cards cannot be exchanged for cash.</li>
<li>Gift cards cannot be used to buy other gift cards.</li>
<li>Gift cards are non-transferable after redemption to an account balance.</li>
<li>
<strong>Lost or stolen cards:</strong> we cannot replace a lost or stolen card unless we have
a record of the purchase and can verify it.
</li>
</ul>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">5. VAT</h2>
<p class="mb-3">
Gift cards are treated as single-purpose vouchers (SPVs) under UK VAT law. The salon is not
currently VAT registered, so no VAT is charged on gift cards today. If and when the salon
registers for VAT, VAT will be charged at the point of purchase (the SPV treatment), not at
redemption &mdash; paying with a gift card will then attract no additional VAT.
</p>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">6. Refunds and Cancellation</h2>
<p class="mb-3">
<strong>Non-refundable except where the law requires:</strong> except for the 14-day right
to cancel described below, and except as required by consumer law or by an express refund we
offer under our
<a
href={resolve('/cancellation-policy')}
class="font-medium text-blue-600 underline hover:text-blue-800">cancellation policy</a
>, gift cards and gift-card balances are <strong>non-refundable</strong> &mdash; they are not
redeemable for cash (unless required by law).
</p>
<p class="mb-3">
<strong>14-day right to cancel online purchases:</strong> if you buy a gift card online, the Consumer
Contracts (Information, Cancellation and Additional Charges) Regulations 2013 give you a 14-day
right to cancel, running from the day after purchase. You can cancel in-app from your account
(Account &rarr; Gift Cards) within 14 days &mdash; you'll need the gift card code. If the card
is unused, we refund the full purchase amount; if it has been partly used on salon services, we
refund the unspent balance (the amount already spent is not refundable). The card is then cancelled,
so any remaining balance can no longer be spent. A card that has been redeemed to an account balance
or fully spent cannot be cancelled. Refunds are made to the original payment method within 14
days.
</p>
<p class="mb-3">
In-store purchases are not distance sales, so this right applies to online purchases only.
</p>
</section>
<section>
<h2 class="mb-3 text-base font-semibold text-gray-900">7. Governing Law</h2>
<p class="mb-3">
These Gift Card Terms are governed by the laws of Scotland, and any dispute is subject to
the jurisdiction of the Scottish courts.
</p>
<p class="text-xs text-gray-500">
Questions about a gift card? Please use our official
<a
href={resolve('/contact')}
class="font-medium text-blue-600 underline hover:text-blue-800">Contact Channels</a
>
to get in touch.
</p>
</section>
</div>
</div>