docs(terms): require cause for suspension and termination

Section 13 let us suspend or terminate an account "with or without cause and
with or without notice". It is common boilerplate, but for a product whose pitch
is that you can hold your own footage and leave whenever you want, it reads as a
standing right to close a paying customer for no reason.

It replaces that with four defined grounds: material breach of the Terms with a
ten day cure period, no cure period for a repeated breach of the same
obligation; unlawful use, infringement of a third party's rights, or a security
risk, where we may act immediately; fees unpaid fourteen days past due after
notice; and legal compulsion.

Defined grounds need their counterparts, so the clause also carries what we owe
in return: suspension while we investigate comes with a duty to say why and to
restore access if the suspicion does not hold, terminating for any other reason
or discontinuing the Service or a plan takes thirty days notice and a refund of
prepaid unused fees, and User Content stays available for export for thirty days
after termination.

Section 6 had the same flavour and is softened to match, from removing content
"at our sole discretion" to where we reasonably determine it violates the Terms.

That refund promise contradicted Section 5 and the Refund Policy, which both say
every fee is non-refundable including unused months. The general rule exists to
stop buyer's remorse refunds, not to let us keep a prepaid year we cut short, so
Section 13 now overrides them explicitly and the Refund Policy states the same
exception rather than leaving the two pages to disagree.

app/refund/page.tsx

@@ -30,7 +30,7 @@ export default function RefundPolicyPage() {
 
       <main className="mx-auto max-w-[900px] px-4 py-12 sm:px-6 lg:px-8">
         <h1 className="text-3xl font-semibold tracking-tight mb-2">Refund Policy</h1>
-        <p className="text-sm text-muted-foreground mb-10">Last updated: April 10, 2026</p>
+        <p className="text-sm text-muted-foreground mb-10">Last updated: July 30, 2026</p>
 
         <div className="prose prose-sm prose-invert max-w-none space-y-8 text-sm leading-relaxed text-foreground/80">
           <section>
@@ -77,6 +77,16 @@ export default function RefundPolicyPage() {
               for the current billing period. You will continue to have access to the Service until
               the end of your current paid period.
             </p>
+            <p className="mt-3">
+              This no-refund rule does not apply if we terminate your account for a reason other
+              than your breach of the Terms, or if we discontinue the Service or your plan. In those
+              cases we refund the unused portion of any fees you have prepaid, as described in
+              Section 13 of our{' '}
+              <Link href="/terms" className="text-primary hover:underline">
+                Terms of Service
+              </Link>
+              .
+            </p>
           </section>
 
           <section>