Add legal policy pages and shared layout component

- Add Cookie Policy view documenting essential cookies (session, CSRF, remember_me, fa_location) and cookieless Umami analytics
- Add Privacy Policy view covering UK GDPR compliance, data categories, lawful bases, processors, retention, and user rights
- Add Refund & Cancellation Policy view explaining 14-day cooling-off period under Consumer Contracts Regulations 2013 and express-consent flow
- Add Terms of Service view defining account rules, subscription billing, and governing law
- Create shared legal layout component with FuelAlert header, footer with cross-links, and consistent typography
- Add feature tests covering all four legal pages and their cross-links
- All policies include placeholders for ICO registration number, email, and hosting/email providers pending production config

resources/js/views/Home.vue

@@ -402,9 +402,10 @@
                 <div class="space-y-4">
                     <h5 class="font-black text-xs text-zinc-800 tracking-widest">Legal</h5>
                     <ul class="space-y-2 text-sm text-zinc-500">
-                        <li><a class="hover:text-accent transition-colors" href="#">Privacy Policy</a></li>
-                        <li><a class="hover:text-accent transition-colors" href="#">Terms of Service</a></li>
-                        <li><a class="hover:text-accent transition-colors" href="#">Cookie Settings</a></li>
+                        <li><a class="hover:text-accent transition-colors" href="/legal/privacy">Privacy Policy</a></li>
+                        <li><a class="hover:text-accent transition-colors" href="/legal/terms">Terms of Service</a></li>
+                        <li><a class="hover:text-accent transition-colors" href="/legal/refund">Refund &amp; Cancellation</a></li>
+                        <li><a class="hover:text-accent transition-colors" href="/legal/cookies">Cookie Policy</a></li>
                     </ul>
                 </div>
             </div>