`views/public/legal.ejs`

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<section class="long-form">
  <% if (kind === 'privacy') { %>
    <p class="kicker">Privacy</p>
    <h1 class="display-sm">Privacy policy</h1>
    <p class="lede">National Paper Hangers (NPH) collects and processes a limited set of personal data needed to operate a referral and lead-coordination service. This policy describes what we collect, why, and your rights.</p>

    <h2>What we collect</h2>
    <ul>
      <li><strong>Consumers requesting bookings:</strong> name, email, phone, project address, project details (rooms, materials, budget band).</li>
      <li><strong>Installers (account holders):</strong> business identity, contact information, insurance and licensing details (where provided), payout banking information held by Stripe (we do not store full bank credentials), portfolio content uploaded by the studio.</li>
      <li><strong>All visitors:</strong> standard server logs (IP address, user agent, request path, timestamp) for abuse prevention and uptime monitoring; a session cookie for CSRF protection and login state; Google Analytics for aggregate traffic measurement.</li>
    </ul>

    <h2>Why we collect it</h2>
    <p>To match consumers to installers, schedule consultations, process the reservation deposit, route the balance to the installer, and send transactional and notification emails (e.g., a one-shot "they're now live" email to anyone who asked us to notify them when an unclaimed studio joins NPH). We do not sell or rent personal information.</p>

    <h2>Sharing</h2>
    <p>Booking details are forwarded only to the specific installer the consumer chose. Payment processing is handled by Stripe Inc. Email delivery is handled by Purelymail. Aggregate analytics are sent to Google. We do not share consumer or installer data with third parties for marketing or remarketing.</p>

    <h2>Retention</h2>
    <p>Account data is retained while the account is active and for 90 days after deletion. Booking records are retained for 7 years for tax and dispute purposes. Suppression-list entries (people who unsubscribed) are retained indefinitely so we never re-mail them. Server logs roll off at 30 days.</p>

    <h2>Your rights</h2>
    <p>California (CCPA/CPRA), EU/UK (GDPR), and other-jurisdiction residents may request access to, correction of, or deletion of personal data we hold about them. Email <a href="mailto:info@nationalpaperhangers.com">info@nationalpaperhangers.com</a> with the subject line "Privacy request" and we'll respond within 30 days. Unsubscribe links in every email work without contacting us.</p>

    <h2>Contact</h2>
    <p>Privacy questions: <a href="mailto:info@nationalpaperhangers.com">info@nationalpaperhangers.com</a> · National Paper Hangers · Designer Wallcoverings, 15442 Ventura Bl #102, Sherman Oaks CA 91403.</p>

    <p class="muted" style="margin-top:24px;font-size:12px">Last updated <%= new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' }) %>.</p>
  <% } else { %>
    <p class="kicker">Terms</p>
    <h1 class="display-sm">Terms of service</h1>

    <p class="lede"><strong>National Paper Hangers ("NPH") is a referral and lead-coordination service.</strong> NPH operates a directory of independent wallcovering installation studios. The contract for any wallcovering installation is between the consumer and the installer directly. NPH is not a contractor, does not perform installation work, and does not supervise, warrant, or guarantee any work performed by an installer.</p>

    <h2>1. What NPH does</h2>
    <ul>
      <li>Operates a public directory of installation studios at nationalpaperhangers.com.</li>
      <li>Routes consumer inquiries and bookings to the studio the consumer chooses.</li>
      <li>Hosts the studio's calendar so consumers can self-book a consultation.</li>
      <li>Collects an initial reservation deposit (<strong>$99</strong> by default, fully credited toward the consumer's project) and routes the deposit, less NPH's lead-coordination fee, to the installer's payout account via Stripe Connect.</li>
    </ul>

    <h2>2. What NPH does not do</h2>
    <ul>
      <li>NPH does <strong>not</strong> install wallpaper or perform any other contracting work.</li>
      <li>NPH does <strong>not</strong> set the price for installation work; pricing is between the consumer and the installer.</li>
      <li>NPH does <strong>not</strong> supervise, manage, or oversee installation jobs.</li>
      <li>NPH does <strong>not</strong> warrant or guarantee work performed by an installer.</li>
      <li>NPH does <strong>not</strong> employ installers; each installer is an independent business.</li>
    </ul>

    <h2>3. Verification disclaimer</h2>
    <p>Installer credentials, insurance, and licensing details displayed on this site are self-reported by the installer. NPH reviews and re-validates these annually but does not independently audit them in real time. <strong>Consumers in California should verify a contractor's CSLB license number at <a href="https://search.cslb.ca.gov/" target="_blank" rel="noopener">search.cslb.ca.gov</a> before signing any contract for installation work over $500.</strong> Consumers in other jurisdictions should perform equivalent state-level license verification.</p>

    <h2>4. Lead-coordination fee</h2>
    <p>NPH retains a percentage of the reservation deposit (typically 25%, lower for enterprise-tier installers) as a lead-coordination fee. The remainder of the deposit is paid to the installer and credited toward the consumer's project. NPH's fee is exclusively for the lead, scheduling, and platform operation; NPH does not receive any portion of the consumer's payment for the installation work itself.</p>

    <h2>5. Cancellation and refunds</h2>
    <p>Consumers may cancel a booking up to 48 hours before the scheduled visit for a full refund of the reservation deposit. Cancellations within 48 hours are at the installer's discretion. Disputes between consumers and installers about installation work itself (scope, quality, completion) are between those parties; NPH is not a party and does not arbitrate.</p>

    <h2>6. Installer subscription</h2>
    <p>Installers subscribe to NPH on a Pro, Signature, or Enterprise plan. Subscription fees are billed monthly or annually via Stripe and may be canceled at any time from the installer's billing portal. Cancellation takes effect at the end of the current billing period.</p>

    <h2>7. Limitation of liability</h2>
    <p>NPH's aggregate liability for any claim arising from use of the service is limited to the fees the consumer or installer paid to NPH in the 12 months preceding the claim. NPH is not liable for any work performed or not performed by an installer, for any damage to a consumer's property, or for any other loss arising from the underlying installation contract between the consumer and the installer.</p>

    <h2>8. Changes</h2>
    <p>These terms may be updated. Material changes will be communicated by email to active users. Continued use of the service after a change constitutes acceptance.</p>

    <h2>9. Contact</h2>
    <p><a href="mailto:info@nationalpaperhangers.com">info@nationalpaperhangers.com</a> · National Paper Hangers · Designer Wallcoverings, 15442 Ventura Bl #102, Sherman Oaks CA 91403.</p>

    <p class="muted" style="margin-top:24px;font-size:12px">Last updated <%= new Date().toLocaleDateString('en-US', { year: 'numeric', month: 'long', day: 'numeric' }) %>. These terms describe NPH's current operating model and are not a substitute for the final terms a consumer or installer agrees to at sign-up; consult an attorney before relying on this document for any specific legal question.</p>
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</section>

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