policy(2026-11-01): publish the three new commercial promises

- terms.html: cancel any time + refund unused time (pro rata); delete the
  no-refund sentence and the 'no refund promise beyond' clause
- terms.html: prices are tax included (was 'plus tax where it applies')
- index.html: order widget #orderPlanTax text '+ tax' -> 'tax included'
  (id/class kept; static text, no JS reads or writes it)
- support.html: add the AI-agent-urgent + 24h email support promise,
  bot still scoped to quick fixes
- odoo-erp-automation-bootcamp/index.html: seat transferable any time,
  cancellable up to two weeks before the 21 Jan 2027 start

terms.html

@@ -153,12 +153,12 @@
 
                 <div class="legal-card">
                     <h2>Price and payment</h2>
-                    <p>Plans are billed yearly, in advance, in US dollars, plus tax where it applies. Payment is taken by card through Stripe. The current prices are the ones on the pricing page.</p>
+                    <p>Plans are billed yearly, in advance, in US dollars, tax included &mdash; the price you see is the price you pay. Payment is taken by card through Stripe. The current prices are the ones on the pricing page.</p>
                 </div>
 
                 <div class="legal-card">
                     <h2>Cancelling</h2>
-                    <p>You can cancel at any time. Cancelling stops the next renewal. It does not refund the period you have already paid for. We make no refund promise beyond what is written here.</p>
+                    <p>You can cancel at any time. Cancelling stops the next renewal, and we refund the time you have not used &mdash; the part of the period you have paid for that is still ahead of you, pro rata against the period you paid for.</p>
                 </div>
 
                 <div class="legal-card">