{% extends "base.html" %}
{% block title %}Terms & Conditions — Quick Funding{% endblock %}

{% block extra_css %}
<link rel="stylesheet" href="{{ url_for('static', filename='css/calculator.css') }}">
<link href="https://cdnjs.cloudflare.com/ajax/libs/font-awesome/6.5.0/css/all.min.css" rel="stylesheet">

<style>

/* HERO */
.page-hero {
  position: relative;
  height: 420px;
  display: flex;
  align-items: center;
  color: #fff;
}

.page-hero-bg {
  position: absolute;
  inset: 0;
  background-size: cover;
  background-position: center;
}

.page-hero::after {
  content: "";
  position: absolute;
  inset: 0;
  background: linear-gradient(120deg, rgba(13,27,42,0.9), rgba(13,27,42,0.5));
}

.page-hero-content {
  position: relative;
  z-index: 2;
  text-align: center;
}

/* SECTION */
.section {
  padding: 120px 0;
}

/* GRID */
.detail-grid {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 100px;
  align-items: flex-start;
}

/* LEFT */
.detail-grid > div:first-child {
  max-width: 700px;
}

/* TYPOGRAPHY */
h1 {
  font-size: 3rem;
  margin-bottom: 12px;
}

h2 {
  font-size: 2.3rem;
  margin-bottom: 18px;
}

h3 {
  font-size: 1.2rem;
  margin-top: 40px;
  margin-bottom: 8px;
  font-weight: 600;
}

p {
  line-height: 1.9;
  margin-bottom: 18px;
  color: var(--gray-600);
}

.eyebrow {
  display: inline-block;
  margin-bottom: 8px;
  font-size: 0.75rem;
  letter-spacing: 1.5px;
  color: #3b82f6;
  font-weight: 700;
}

/* INTRO */
.intro-text {
  margin-bottom: 30px;
}

/* DIVIDER */
.section-divider {
  height: 1px;
  background: linear-gradient(to right, transparent, #e5e7eb, transparent);
  margin: 35px 0;
}

/* HIGHLIGHT BOX */
.highlight-box {
  background: linear-gradient(135deg, #eef4ff, #f8fafc);
  border-left: 4px solid #3b82f6;
  padding: 22px;
  border-radius: 12px;
  margin: 20px 0 30px;
  line-height: 1.7;
}

/* SIDEBAR */
.detail-grid > div:last-child {
  display: flex;
  flex-direction: column;
  gap: 28px;
  position: sticky;
  top: 110px;
}

/* CARDS */
.loan-type-card {
  padding: 26px;
  border-radius: 18px;
  background: rgba(255,255,255,0.85);
  box-shadow: 0 12px 35px rgba(0,0,0,0.06);
  transition: 0.3s ease;
}

.loan-type-card:hover {
  transform: translateY(-6px);
  box-shadow: 0 20px 45px rgba(0,0,0,0.08);
}

.loan-type-card h3 {
  margin-top: 5px;
  margin-bottom: 6px;
}

.loan-type-card p {
  margin: 0;
  font-size: 0.95rem;
  line-height: 1.6;
}

/* ICON */
.card-icon {
  width: 44px;
  height: 44px;
  border-radius: 12px;
  margin-bottom: 12px;
  font-size: 18px;
  display:flex;
  align-items:center;
  justify-content:center;
  background:#eef2ff;
  color:#3b82f6;
}

/* CTA FIX */
.cta-strip h2 {
  margin-bottom: 10px;
}

.cta-strip p {
  margin-bottom: 25px;
}

/* MOBILE */
@media(max-width:900px){
  .detail-grid{
    grid-template-columns:1fr;
    gap: 60px;
  }

  .detail-grid > div:last-child {
    position: static;
  }
}

</style>
{% endblock %}

{% block content %}

<!-- HERO -->
<section class="page-hero">
  <div class="page-hero-bg"
       style="background-image:url('{{ url_for('static', filename='img/personal-finance.jpg') }}')">
  </div>

  <div class="page-hero-content container">
    <span class="eyebrow">LEGAL</span>
    <h1>Terms & Conditions</h1>
    <p>Please read these terms carefully before using our services.</p>
  </div>
</section>

<!-- CONTENT -->
<section class="section" style="background:#f8fafc">
  <div class="container">
    <div class="detail-grid">

      <!-- LEFT -->
      <div>

        <span class="eyebrow">Effective Date</span>
        <h2>Terms & Conditions</h2>

        <div class="highlight-box">
          <strong>Effective Date:</strong> 16 April 2026<br>
          By using our website, you agree to these Terms & Conditions.
        </div>

        <p class="intro-text">
          These Terms govern your use of Quick Funding services, including loan applications and financial assistance.
        </p>

        <div class="section-divider"></div>

        <h3>1. Use of Services</h3>
        <p>You agree to use our website only for lawful purposes and provide accurate information.</p>

        <div class="section-divider"></div>

        <h3>2. No Guarantee of Approval</h3>
        <p>All loan approvals depend on lenders and eligibility criteria.</p>

        <div class="section-divider"></div>

        <h3>3. Third-Party Lenders</h3>
        <p>We act as an intermediary and are not responsible for lender decisions.</p>

        <div class="section-divider"></div>

        <h3>4. Accuracy of Information</h3>
        <p>You must ensure all submitted details are correct.</p>

        <div class="section-divider"></div>

        <h3>5. Fees & Charges</h3>
        <p>Applicable fees will be disclosed before proceeding.</p>

        <div class="section-divider"></div>

        <h3>6. Limitation of Liability</h3>
        <p>We are not liable for any losses from service usage.</p>

        <div class="section-divider"></div>

        <h3>7. Intellectual Property</h3>
        <p>All content is owned by Quick Funding.</p>

        <div class="section-divider"></div>

        <h3>8. Privacy</h3>
        <p>Your use is also governed by our Privacy Policy.</p>

        <div class="section-divider"></div>

        <h3>9. Changes to Terms</h3>
        <p>We may update these Terms anytime.</p>

      </div>

      <!-- RIGHT -->
      <div>

        <div class="loan-type-card">
          <div class="card-icon"><i class="fas fa-file-contract"></i></div>
          <h3>Agreement</h3>
          <p>You accept our terms by using this website.</p>
        </div>

        <div class="loan-type-card">
          <div class="card-icon"><i class="fas fa-ban"></i></div>
          <h3>No Guarantee</h3>
          <p>Loan approvals depend on lenders.</p>
        </div>

        <div class="loan-type-card">
          <div class="card-icon"><i class="fas fa-scale-balanced"></i></div>
          <h3>Legal Protection</h3>
          <p>We limit liability for third-party actions.</p>
        </div>

        <div class="loan-type-card">
          <div class="card-icon"><i class="fas fa-envelope"></i></div>
          <h3>Contact</h3>
          <p>Email: loans@quickfunding.com.au<br>Phone: 02 9071 7960</p>
        </div>

      </div>

    </div>
  </div>
</section>

<!-- CTA -->
<section class="cta-strip">
  <div class="container">
    <h2>Need Help?</h2>
    <p>Contact us if you have questions about our terms.</p>

    <div class="cta-strip-btns">
      <a href="{{ url_for('apply') }}" class="btn btn-white btn-lg">Apply Now — Free</a>
      <a href="tel:0290717960" class="btn btn-outline-white btn-lg">Call 02 9071 7960</a>
    </div>
  </div>
</section>

{% endblock %}