// pages.js — Body content for static pages (About, Contact, Services, Service Areas, Privacy, Terms)

module.exports = function buildStaticPagesContent({ data, escapeHtml }) {
  const phone = data.site.phone;
  const phoneLink = data.site.phoneLink;
  const totalCities = data.states.reduce((sum, s) => sum + s.cities.length, 0);

  // Re-usable CTA banner
  const ctaBanner = `
<div class="container">
  <div class="cta-banner">
    <h2>Need Help Right Now?</h2>
    <p>Our dispatch line is staffed 24/7/365. We connect you with a licensed local restoration contractor in under 60 minutes.</p>
    <a href="tel:${phoneLink}" class="btn">
      <svg viewBox="0 0 24 24" fill="currentColor"><path d="M6.6 10.8a15 15 0 006.6 6.6l2.2-2.2a1 1 0 011-.25 11.5 11.5 0 003.6.57 1 1 0 011 1V20a1 1 0 01-1 1A17 17 0 013 4a1 1 0 011-1h3.5a1 1 0 011 1 11.5 11.5 0 00.57 3.6 1 1 0 01-.25 1L6.6 10.8z"/></svg>
      Call ${phone}
    </a>
  </div>
</div>`;

  // ─────────── ABOUT ───────────
  const about = {
    slug: "about",
    title: "About Us",
    subtitle: "Rapid Water Recovery is a nationwide restoration referral service connecting property owners with licensed local contractors — fast.",
    metaTitle: "About Rapid Water Recovery | Nationwide Restoration Referral Service",
    metaDescription: "Rapid Water Recovery connects property owners with licensed, IICRC-certified local restoration contractors across 8 states. 24/7 emergency dispatch, insurance-friendly billing.",
    bodyHtml: `
<div class="container">
  <div class="prose">
    <h2>What We Do</h2>
    <p>When water, fire, or storm damage hits your home or business, every hour matters. Drywall starts wicking water within an hour. Mold begins growing within 24 to 48 hours. The difference between a routine repair and a catastrophic insurance claim often comes down to how fast a qualified restoration crew gets to your door.</p>
    <p>Rapid Water Recovery exists to compress that response time. We are a private restoration referral service that connects property owners with a vetted national network of independent, licensed, IICRC-certified local contractors — 24 hours a day, every day of the year, in every state we cover.</p>

    <h2>How It Works</h2>
    <p>Our model is simple by design:</p>
    <ol>
      <li><strong>You call our dispatch line.</strong> A live operator answers — typically within 60 seconds. No callback forms, no voicemail.</li>
      <li><strong>We match you with the closest qualified contractor</strong> in our network who serves your area. Match decisions are based on location, license status, certifications, current availability, and historical job quality.</li>
      <li><strong>The contractor contacts you directly</strong> — usually within minutes — and dispatches a crew. Most metro areas see on-site arrival within 60 minutes.</li>
      <li><strong>The contractor performs all on-site work</strong> under their own license, insurance, and contractual agreement with you. We are not on site and do not direct the work.</li>
    </ol>
    <p>You hire the contractor directly. Their estimate is theirs. Their work is theirs. Their warranty is theirs. We exist to shorten the gap between your emergency and qualified help arriving.</p>

    <h2>Why Property Owners Use Us</h2>
    <p>Most homeowners have never had a major property loss. When it happens, the typical first reaction is to call insurance — but insurance carriers don't dispatch crews. The next move is usually a Google search at 2 AM, hoping the top result is reputable. We exist to be the better answer to that 2 AM search.</p>
    <ul>
      <li><strong>One number, 24/7 live answer.</strong> No automated phone trees, no callback forms.</li>
      <li><strong>Vetted local contractors only.</strong> Every contractor in our network holds active state licensing where required, current IICRC certifications, and full liability + workers comp insurance.</li>
      <li><strong>Insurance-friendly.</strong> Most contractors in our network bill major carriers directly and handle claim documentation on your behalf.</li>
      <li><strong>No cost to you for matching.</strong> Our service is free for property owners. The contractor pays us a referral fee only after they complete the job — meaning we have a direct interest in matching you with someone who will do quality work.</li>
    </ul>

    <h2>Our Network Standards</h2>
    <p>Contractors in our network meet these baseline requirements before we'll route a single call to them:</p>
    <ul>
      <li>Active state contractor license (where state law requires)</li>
      <li>IICRC S500 certification for water damage restoration</li>
      <li>IICRC S520 certification for mold remediation</li>
      <li>IICRC S700 certification for fire and smoke damage (where applicable)</li>
      <li>$1M general liability insurance minimum</li>
      <li>Active workers compensation coverage</li>
      <li>Background checks on field technicians</li>
      <li>Clean dispute resolution history</li>
    </ul>

    <h2>Where We Operate</h2>
    <p>We currently dispatch crews across <strong>${data.states.length} states</strong> covering <strong>${totalCities}+ major metro areas</strong>: ${data.states.map((s) => s.name).join(", ")}. We're actively adding states. If your state isn't listed, call anyway — we may already have a partner crew in your region.</p>

    <h2>What We Are Not</h2>
    <p>We want to be transparent about what we do and what we don't do, because clarity protects you:</p>
    <ul>
      <li><strong>We are not a contractor.</strong> We don't perform restoration work. We don't operate trucks or equipment. We don't employ technicians.</li>
      <li><strong>We are not affiliated with 911 emergency services</strong>, public safety agencies, or any government entity. For life-threatening emergencies — fire spreading, gas leaks, structural collapse, electrical hazard — call 911 first.</li>
      <li><strong>We are not your insurance company's preferred vendor</strong>, unless your carrier has independently approved one of our network contractors. Always verify with your carrier before authorizing major work.</li>
      <li><strong>We don't sell your information.</strong> Phone numbers and details you share with us are routed only to the matched contractor for the purpose of fulfilling your service request.</li>
    </ul>
  </div>
</div>

<section class="about-gallery">
  <div class="container">
    <h2>Our Network in Action</h2>
    <p class="lede">Real crews. Real equipment. Real response times — across every state we serve.</p>
    <div class="gallery-grid">
      <div class="gallery-item"><img src="/img-tech-air-mover.jpg" alt="Rapid Water Recovery technician carrying industrial air mover to a damaged property" loading="lazy" /></div>
      <div class="gallery-item"><img src="/img-team-loading-van.jpg" alt="Two Rapid Water Recovery technicians loading restoration equipment into a service van" loading="lazy" /></div>
      <div class="gallery-item wide"><img src="/img-van-wrap.jpg" alt="Branded Rapid Water Recovery service van with 24/7 emergency response" loading="lazy" /></div>
    </div>
  </div>
</section>

${ctaBanner}`
  };

  // ─────────── CONTACT ───────────
  const contact = {
    slug: "contact",
    title: "Contact Us",
    subtitle: "24/7 emergency dispatch line. Live operators, every hour of every day.",
    metaTitle: `Contact Rapid Water Recovery | 24/7 Emergency Dispatch | Call ${phone}`,
    metaDescription: `Reach Rapid Water Recovery 24/7 for emergency water, fire, or mold damage restoration. Call ${phone} or email info@rapidwaterrecovery.com. Live dispatch, no callback forms.`,
    bodyHtml: `
<div class="container">
  <div class="contact-grid">
    <div class="contact-card">
      <div class="ic"><svg viewBox="0 0 24 24" fill="currentColor"><path d="M6.6 10.8a15 15 0 006.6 6.6l2.2-2.2a1 1 0 011-.25 11.5 11.5 0 003.6.57 1 1 0 011 1V20a1 1 0 01-1 1A17 17 0 013 4a1 1 0 011-1h3.5a1 1 0 011 1 11.5 11.5 0 00.57 3.6 1 1 0 01-.25 1L6.6 10.8z"/></svg></div>
      <h3>Call 24/7</h3>
      <a href="tel:${phoneLink}" class="value">${phone}</a>
      <p>Live dispatcher in under 60 seconds. No phone trees, no voicemail.</p>
    </div>
    <div class="contact-card">
      <div class="ic"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><rect x="3" y="5" width="18" height="14" rx="2"/><polyline points="3,7 12,13 21,7"/></svg></div>
      <h3>Email Us</h3>
      <a href="mailto:info@rapidwaterrecovery.com" class="value email">info@rapidwaterrecovery.com</a>
      <p>For non-emergencies and follow-up. Response within one business day.</p>
    </div>
    <div class="contact-card">
      <div class="ic"><svg viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2.2"><circle cx="12" cy="12" r="10"/><polyline points="12,6 12,12 16,14"/></svg></div>
      <h3>Hours</h3>
      <span class="value" style="font-size:18px;">24 / 7 / 365</span>
      <p>Holidays, weekends, overnights. Every hour, every day.</p>
    </div>
  </div>

  <div class="prose">
    <h2>What Happens When You Call</h2>
    <p>Every minute counts during a property emergency. Here's exactly what to expect:</p>
  </div>

  <div class="expectations-grid">
    <div class="expectation-card">
      <div class="expectation-num">1</div>
      <h4>Live Answer</h4>
      <p>A real person picks up — typically within 60 seconds, regardless of the hour.</p>
    </div>
    <div class="expectation-card">
      <div class="expectation-num">2</div>
      <h4>Quick Assessment</h4>
      <p>Brief questions about the damage, your location, and whether anyone is in danger.</p>
    </div>
    <div class="expectation-card">
      <div class="expectation-num">3</div>
      <h4>Contractor Match</h4>
      <p>We route to the nearest qualified, available, licensed contractor in your area.</p>
    </div>
    <div class="expectation-card">
      <div class="expectation-num">4</div>
      <h4>On-Site Crew</h4>
      <p>Most metro areas see arrival within 60 minutes. The contractor handles all on-site work.</p>
    </div>
  </div>

  <div class="prose">
    <h2>Service Areas</h2>
    <p>We currently dispatch crews across <strong>${data.states.length} states</strong>: ${data.states.map((s) => `<a href="/${s.slug}/">${escapeHtml(s.name)}</a>`).join(", ")}. <a href="/service-areas/">See all service areas →</a></p>

    <h2>For Life-Threatening Emergencies</h2>
    <div class="legal-note">
      <strong>If you are in immediate danger</strong> — active fire spreading, gas leak, structural collapse, electrical hazard with people present, or rising water with people unable to evacuate — <strong>call 911 first.</strong> Rapid Water Recovery is a private restoration referral service and is not affiliated with 911 emergency services or any government agency. Call us after the immediate danger has been addressed.
    </div>
  </div>
</div>
${ctaBanner}`
  };

  // ─────────── SERVICES ───────────
  const services = {
    slug: "services",
    title: "Our Services",
    subtitle: "Complete water, fire, and storm damage restoration through our nationwide network of licensed local contractors.",
    metaTitle: "Restoration Services | Water, Fire, Mold, Storm Damage | Rapid Water Recovery",
    metaDescription: `Complete restoration services through licensed local contractors: water damage, flood cleanup, fire & smoke, mold remediation, structural drying, insurance assistance. 24/7. Call ${phone}.`,
    bodyHtml: `
<div class="container">
  <div class="prose">
    <h2>Full-Scope Restoration, Through Licensed Local Contractors</h2>
    <p>Every contractor in our network is equipped to handle the complete restoration scope — from the moment they arrive on site through final reconstruction. You get one point of contact, not a sequence of vendors.</p>
  </div>

  <div class="services-detail">
    <article class="service-detail-card">
      <div class="ic"><svg viewBox="0 0 64 64" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><path d="M32 6 Q 46 18 42 32 Q 38 46 32 50 Q 26 46 22 32 Q 18 18 32 6 Z" fill="currentColor"/></svg></div>
      <h3>Water Damage Restoration</h3>
      <p>The most common emergency we dispatch for. Burst pipes, supply line failures, appliance overflow, roof leaks, sewage backup — handled under IICRC S500 standards.</p>
      <ul>
        <li>Emergency water extraction</li>
        <li>Industrial dehumidification and air movers</li>
        <li>Moisture mapping and structural drying</li>
        <li>Sewage decontamination (Cat 3)</li>
        <li>Antimicrobial treatment</li>
        <li>Insurance claim documentation</li>
      </ul>
    </article>

    <article class="service-detail-card">
      <div class="ic"><svg viewBox="0 0 64 64" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><path d="M8 40 Q 16 32 24 40 Q 32 48 40 40 Q 48 32 56 40"/><path d="M8 48 Q 16 40 24 48 Q 32 56 40 48 Q 48 40 56 48"/><path d="M8 56 Q 16 48 24 56 Q 32 64 40 56 Q 48 48 56 56"/><path d="M20 14 Q 28 6 34 14 Q 40 22 30 28 Z" fill="currentColor"/></svg></div>
      <h3>Flood Damage Cleanup</h3>
      <p>Major flooding from storms, hurricanes, and rising water requires Category 3 black-water response — full PPE, decontamination, and content disposal protocols.</p>
      <ul>
        <li>Storm surge and floodwater extraction</li>
        <li>Hazardous material handling</li>
        <li>Content sorting and disposal</li>
        <li>Subfloor and structural drying</li>
        <li>NFIP flood claim documentation</li>
        <li>Mold prevention treatment</li>
      </ul>
    </article>

    <article class="service-detail-card">
      <div class="ic red"><svg viewBox="0 0 64 64" fill="currentColor"><path d="M36 2s2 7-1 14c-3 7-10 8-10 17a10 10 0 0020 0c0-5-2-8-6-11-3-3 2-19-3-20zm-4 36a8 8 0 01-4.5 10c0-3-2-6.5-3-8-4.5 3.5-3 11-.5 13a10 10 0 007.5 2c10-2 12-13 8-20-2 3-5 6-7.5 3z"/></svg></div>
      <h3>Fire &amp; Smoke Damage</h3>
      <p>Fire restoration is more than removing burned material. Smoke and soot penetrate everything, and water from firefighting often causes more damage than the fire itself. IICRC S700 certified.</p>
      <ul>
        <li>Soot and smoke residue removal</li>
        <li>Smoke odor neutralization</li>
        <li>Content cleaning and pack-out</li>
        <li>HVAC decontamination</li>
        <li>Structural stabilization</li>
        <li>Reconstruction coordination</li>
      </ul>
    </article>

    <article class="service-detail-card service-detail-card--photo">
      <div class="service-photo"><img src="/img-mold-remediation.jpg" alt="Rapid Water Recovery technician performing mold remediation in protective hazmat suit" loading="lazy" /></div>
      <h3>Mold Remediation</h3>
      <p>Once water has been present for 24-48 hours, mold growth becomes likely. Our network handles full mold remediation under IICRC S520 standards, with proper containment and HEPA filtration.</p>
      <ul>
        <li>Visible mold inspection and testing</li>
        <li>Containment setup with negative air</li>
        <li>HEPA filtration and air scrubbing</li>
        <li>Material removal and disposal</li>
        <li>Antimicrobial treatment</li>
        <li>Post-remediation verification</li>
      </ul>
    </article>

    <article class="service-detail-card service-detail-card--photo">
      <div class="service-photo"><img src="/img-tech-air-mover.jpg" alt="Rapid Water Recovery technician carrying industrial air mover" loading="lazy" /></div>
      <h3>Structural Drying</h3>
      <p>Industrial-grade drying is the difference between a 3-day cleanup and a 3-month rebuild. The right equipment, calibrated to local humidity, prevents secondary damage.</p>
      <ul>
        <li>LGR dehumidifiers and desiccants</li>
        <li>High-velocity air movers</li>
        <li>Daily moisture monitoring</li>
        <li>Subfloor and wall cavity drying</li>
        <li>Hardwood floor stabilization</li>
        <li>Equipment calibrated to local climate</li>
      </ul>
    </article>

    <article class="service-detail-card">
      <div class="ic"><svg viewBox="0 0 64 64" fill="none" stroke="currentColor" stroke-width="2.5" stroke-linecap="round" stroke-linejoin="round"><path d="M14 6 H 40 L 52 18 V 58 H 14 Z"/><path d="M40 6 V 18 H 52"/><circle cx="34" cy="40" r="10"/><polyline points="29,40 33,44 40,36"/></svg></div>
      <h3>Insurance Claim Assistance</h3>
      <p>Our network contractors work directly with major insurance carriers and handle the claim documentation on your behalf — from first notice of loss to final settlement.</p>
      <ul>
        <li>Direct insurance billing</li>
        <li>Photo and video damage documentation</li>
        <li>Detailed Xactimate estimates</li>
        <li>Adjuster coordination</li>
        <li>Supplement filings when needed</li>
        <li>Carriers: State Farm, Allstate, Liberty Mutual, Farmers, Nationwide, Progressive, Travelers, USAA, and more</li>
      </ul>
    </article>
  </div>
</div>
${ctaBanner}`
  };

  // ─────────── SERVICE AREAS ───────────
  const serviceAreas = {
    slug: "service-areas",
    title: "Service Areas",
    subtitle: `Local crews. National coverage. Currently dispatching across ${data.states.length} states and growing.`,
    metaTitle: "Service Areas | Nationwide Restoration Coverage | Rapid Water Recovery",
    metaDescription: `Rapid Water Recovery dispatches licensed local restoration contractors across ${data.states.length} states: ${data.states.slice(0,4).map((s)=>s.name).join(", ")}, and more. 24/7 response. Call ${phone}.`,
    bodyHtml: `
<div class="container wide">
  <div class="prose" style="max-width:920px;margin:0 auto;">
    <h2>Where We Operate</h2>
    <p>We currently dispatch IICRC-certified, state-licensed local crews across <strong>${data.states.length} states</strong>, covering <strong>${totalCities}+ major metro areas</strong> and all surrounding communities. Our network is expanding monthly.</p>
    <p>Click any state below for local details, FAQs, and a complete list of cities we serve in that area.</p>
  </div>

  <div class="areas-coverage-grid">
    ${data.states.map((s) => `
    <a href="/${s.slug}/" class="area-state-card">
      <span class="state-name">${escapeHtml(s.name)}</span>
      <span class="city-count">${s.cities.length} cities served</span>
      <span class="cities-preview">${s.cities.slice(0, 3).join(", ")}${s.cities.length > 3 ? `, +${s.cities.length - 3} more` : ""}</span>
      <span class="cta">View ${escapeHtml(s.name)} →</span>
    </a>`).join("")}
  </div>

  <div class="prose" style="max-width:920px;margin:48px auto 0;">
    <h2>Don't See Your State?</h2>
    <p>We're actively expanding. Even if your state isn't listed, call us — we may already have a partner crew in your region or be able to refer you to a qualified local contractor near you. There's no cost to ask.</p>

    <h2>How Local Coverage Works</h2>
    <p>Every contractor in our network operates as an independent business with their own state license, insurance, and crew. When you call, we route based on:</p>
    <ul>
      <li><strong>Proximity</strong> — closest qualified crew to your address</li>
      <li><strong>Availability</strong> — current capacity and response time</li>
      <li><strong>Specialty match</strong> — water vs. fire vs. mold vs. multi-loss</li>
      <li><strong>License status</strong> — state and local licensing where required</li>
      <li><strong>Performance history</strong> — quality scores and customer feedback</li>
    </ul>
    <p>This means you get a contractor who actually lives and works in your community — not a national crew flown in for the day. They know local code, local insurance carriers, and the local conditions that affect restoration.</p>
  </div>
</div>
${ctaBanner}`
  };

  // ─────────── PRIVACY POLICY ───────────
  const privacy = {
    slug: "privacy",
    title: "Privacy Policy",
    subtitle: "How we collect, use, and protect your information.",
    metaTitle: "Privacy Policy | Rapid Water Recovery",
    metaDescription: "How Rapid Water Recovery handles your personal information when you use our restoration referral service.",
    bodyHtml: `
<div class="container">
  <div class="prose">
    <p style="color:var(--muted);font-size:13px;"><strong>Last Updated:</strong> ${new Date().toLocaleDateString("en-US", { year: "numeric", month: "long", day: "numeric" })}</p>

    <div class="legal-note">
      <strong>This is a starting-point template.</strong> Privacy policies must comply with applicable laws (CCPA in California, CPRA, GDPR if applicable, and state-specific consumer privacy laws). Before publishing this page, have it reviewed by an attorney experienced in consumer privacy and lead-generation marketing law. Specific obligations depend on your data practices, target jurisdictions, and integrations.
    </div>

    <h2>1. Who We Are</h2>
    <p>Rapid Water Recovery ("we," "us," "our") operates a private restoration referral service that connects property owners with independent, licensed local restoration contractors. This Privacy Policy describes how we collect, use, share, and protect personal information when you visit our website, call our dispatch line, or otherwise interact with our services.</p>

    <h2>2. Information We Collect</h2>
    <h3>Information You Provide</h3>
    <p>When you call our dispatch line, request a contractor match, or contact us by email, we collect information you voluntarily provide, which may include:</p>
    <ul>
      <li>Name and contact information (phone number, email, street address)</li>
      <li>Property type and damage description</li>
      <li>Insurance carrier (when relevant to claim handling)</li>
      <li>Communication preferences</li>
    </ul>

    <h3>Information We Collect Automatically</h3>
    <p>When you visit our website, we and our service providers may collect:</p>
    <ul>
      <li>IP address and approximate geographic location</li>
      <li>Browser type, operating system, and device information</li>
      <li>Pages visited, time on site, and referral source</li>
      <li>Cookies, pixels, and similar tracking technologies</li>
    </ul>

    <h2>3. How We Use Your Information</h2>
    <p>We use the information we collect to:</p>
    <ul>
      <li>Match you with a qualified contractor in our network</li>
      <li>Communicate with you about your service request</li>
      <li>Improve our website, service, and contractor matching</li>
      <li>Comply with legal obligations and protect against fraud</li>
      <li>Send service updates, promotional communications, or surveys (where you have consented or have a service relationship with us)</li>
    </ul>

    <h2>4. How We Share Your Information</h2>
    <p>We share your information in limited circumstances:</p>
    <ul>
      <li><strong>With matched contractors:</strong> When we route your request to a contractor in our network, we share the information necessary for them to contact you and respond — typically your name, phone number, address, and damage description.</li>
      <li><strong>With service providers:</strong> Vendors that help us operate our website, dispatch line, and business systems (such as cloud hosting, analytics, and call routing services), under written confidentiality agreements.</li>
      <li><strong>For legal compliance:</strong> When required by law, court order, or in response to a valid government request.</li>
      <li><strong>In connection with a business transfer:</strong> If we are involved in a merger, acquisition, or asset sale, your information may be transferred as part of that transaction.</li>
    </ul>
    <p><strong>We do not sell your personal information</strong> to third parties for their independent marketing use.</p>

    <h2>5. Communications and TCPA</h2>
    <p>By calling our dispatch line or providing your phone number on our website, you consent to receive calls and text messages from us and our matched contractors at the number provided, including via automated dialing systems, for the purpose of fulfilling your service request. Standard message and data rates may apply. You can opt out of non-essential communications at any time by replying STOP to text messages or by contacting us at info@rapidwaterrecovery.com.</p>

    <h2>6. Cookies and Tracking</h2>
    <p>Our website uses cookies and similar technologies to operate, analyze usage, and (where applicable) deliver advertising. You can control cookies through your browser settings. Disabling cookies may limit certain site functionality.</p>

    <h2>7. Your Choices and Rights</h2>
    <p>Depending on your state of residence, you may have rights to:</p>
    <ul>
      <li>Know what personal information we have collected about you</li>
      <li>Request deletion of your personal information</li>
      <li>Correct inaccurate personal information</li>
      <li>Opt out of certain processing activities</li>
      <li>Receive a copy of your data in a portable format</li>
    </ul>
    <p>To exercise any of these rights, contact us at info@rapidwaterrecovery.com. We may need to verify your identity before responding.</p>

    <h3>California Residents</h3>
    <p>California residents have additional rights under the CCPA and CPRA, including the right to know, delete, correct, and opt out of the "sale" or "sharing" of personal information. To exercise these rights, contact us at info@rapidwaterrecovery.com.</p>

    <h2>8. Data Retention</h2>
    <p>We retain personal information only as long as necessary for the purposes described in this policy or as required by law. Service request records are typically retained for up to seven years for tax, audit, and dispute resolution purposes.</p>

    <h2>9. Data Security</h2>
    <p>We implement reasonable administrative, technical, and physical safeguards designed to protect personal information from unauthorized access, disclosure, and misuse. No system can be guaranteed completely secure, however, and we cannot warrant the security of any information you transmit to us.</p>

    <h2>10. Children's Privacy</h2>
    <p>Our services are not directed to children under 13. We do not knowingly collect personal information from children under 13. If you believe we have collected such information, please contact us and we will delete it.</p>

    <h2>11. Third-Party Links</h2>
    <p>Our website may contain links to third-party websites operated by independent organizations, including matched contractors. Their privacy practices are governed by their own policies. We are not responsible for the privacy practices of third-party sites.</p>

    <h2>12. Changes to This Policy</h2>
    <p>We may update this Privacy Policy from time to time. We will post the updated policy on this page with a revised "Last Updated" date. Material changes will be communicated through our website or by other reasonable means.</p>

    <h2>13. Contact Us</h2>
    <p>For questions about this Privacy Policy, to exercise your rights, or to file a complaint, contact us at:</p>
    <p>
      Rapid Water Recovery<br/>
      Email: <a href="mailto:info@rapidwaterrecovery.com">info@rapidwaterrecovery.com</a><br/>
      Phone: <a href="tel:${phoneLink}">${phone}</a>
    </p>
  </div>
</div>`
  };

  // ─────────── TERMS OF SERVICE ───────────
  const terms = {
    slug: "terms",
    title: "Terms of Service",
    subtitle: "The terms governing your use of Rapid Water Recovery's referral service.",
    metaTitle: "Terms of Service | Rapid Water Recovery",
    metaDescription: "Terms of service governing the use of Rapid Water Recovery, a private restoration referral service.",
    bodyHtml: `
<div class="container">
  <div class="prose">
    <p style="color:var(--muted);font-size:13px;"><strong>Last Updated:</strong> ${new Date().toLocaleDateString("en-US", { year: "numeric", month: "long", day: "numeric" })}</p>

    <div class="legal-note">
      <strong>This is a starting-point template.</strong> Terms of Service for a lead-generation / referral business carry meaningful legal obligations and risk allocation. Before publishing this page, have it reviewed by an attorney experienced in lead-generation marketing law and the state regulations of every jurisdiction where you operate (especially California CSLB rules, Texas state law, and any state requiring referral-service licensing).
    </div>

    <h2>1. Acceptance of Terms</h2>
    <p>By accessing our website (rapidwaterrecovery.com), calling our dispatch line, or using our referral matching service, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use our services.</p>

    <h2>2. What We Provide</h2>
    <p>Rapid Water Recovery ("we," "us," "our") provides a <strong>private restoration referral service</strong>. We connect property owners and businesses with independent, licensed local restoration contractors ("Contractors") in our network. We are NOT:</p>
    <ul>
      <li>A licensed contractor or restoration service provider</li>
      <li>An insurance agent, adjuster, or representative</li>
      <li>A 911 emergency service or government agency</li>
      <li>A guarantor of contractor work, pricing, or outcomes</li>
    </ul>
    <p>All on-site restoration work is performed by independent Contractors operating under their own licenses, insurance, and contracts with you. We do not employ, supervise, or control Contractors. We do not perform any restoration work directly.</p>

    <h2>3. The Referral Relationship</h2>
    <p>When you contact us, we will attempt to match you with a Contractor in our network whom we believe is qualified to address your needs. The Contractor will then contact you directly to discuss your job, provide an estimate, and (if you choose to engage them) perform the work under a contract directly between you and the Contractor.</p>
    <p><strong>You are not obligated to engage any Contractor we refer.</strong> You may decline a referral, request a different Contractor, hire someone else entirely, or perform the work yourself. Engagement of a Contractor is solely your decision.</p>

    <h2>4. No Warranties Regarding Contractor Work</h2>
    <p>We screen Contractors based on licensing, certifications, insurance, and historical performance. However, <strong>we make no warranties or representations about any specific Contractor's work, pricing, timeliness, professionalism, or outcomes.</strong> Each Contractor is solely responsible for their own work product and conduct.</p>
    <p>If you experience problems with a Contractor — quality issues, billing disputes, missed deadlines — your remedy is with that Contractor under your contract with them. We will, however, accept good-faith reports of Contractor problems and may remove non-performing Contractors from our network.</p>

    <h2>5. Eligibility</h2>
    <p>You represent that you are at least 18 years old and have legal authority to contract on behalf of the property where service is requested. Use of our services on behalf of another party requires that party's authorization.</p>

    <h2>6. User Conduct</h2>
    <p>You agree to use our services only for lawful purposes and in accordance with these Terms. You will not:</p>
    <ul>
      <li>Provide false, misleading, or fraudulent information</li>
      <li>Use the service for any commercial purpose without our written permission</li>
      <li>Attempt to interfere with the operation of our website or dispatch system</li>
      <li>Use automated tools to scrape or harvest information from our service</li>
      <li>Impersonate any person or entity</li>
    </ul>

    <h2>7. Intellectual Property</h2>
    <p>The Rapid Water Recovery name, logo, website design, and content are protected by copyright, trademark, and other intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from our materials without our written permission.</p>

    <h2>8. Disclaimers</h2>
    <p>OUR SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.</p>
    <p>WE DO NOT WARRANT THAT OUR DISPATCH LINE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY PARTICULAR CONTRACTOR WILL BE AVAILABLE AT ANY GIVEN TIME.</p>

    <h2>9. Limitation of Liability</h2>
    <p>TO THE FULLEST EXTENT PERMITTED BY LAW, RAPID WATER RECOVERY AND ITS OFFICERS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF OUR SERVICES OR ANY CONTRACTOR'S WORK, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST DATA, OR PROPERTY DAMAGE BEYOND THE CONTRACTOR'S OWN INSURANCE COVERAGE.</p>
    <p>OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO OUR SERVICES SHALL NOT EXCEED ONE HUNDRED DOLLARS (USD $100).</p>

    <h2>10. Indemnification</h2>
    <p>You agree to indemnify and hold harmless Rapid Water Recovery and its officers, employees, agents, and affiliates from any claims, damages, costs, or expenses (including reasonable attorneys' fees) arising out of (a) your violation of these Terms; (b) your engagement of any Contractor; (c) any dispute between you and a Contractor; or (d) your violation of any law or third-party rights.</p>

    <h2>11. Emergency Disclaimer</h2>
    <p>For life-threatening emergencies — active fires, gas leaks, structural collapse, electrical hazards, or rising water with people unable to evacuate — <strong>call 911 immediately.</strong> Rapid Water Recovery is a private restoration referral service and is not affiliated with 911 emergency services or any government agency. Our dispatch line is for property restoration, not life-safety emergencies.</p>

    <h2>12. Governing Law and Disputes</h2>
    <p>These Terms are governed by the laws of the state where Rapid Water Recovery is registered, without regard to conflict-of-laws principles. Any disputes arising out of or related to these Terms or our services shall be resolved in the courts of competent jurisdiction in that state, unless otherwise required by applicable consumer protection law.</p>

    <h2>13. Changes to These Terms</h2>
    <p>We may update these Terms from time to time. We will post the updated Terms on this page with a revised "Last Updated" date. Continued use of our services after changes constitutes acceptance of the updated Terms.</p>

    <h2>14. Severability</h2>
    <p>If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.</p>

    <h2>15. Contact</h2>
    <p>For questions about these Terms, contact us at:</p>
    <p>
      Rapid Water Recovery<br/>
      Email: <a href="mailto:info@rapidwaterrecovery.com">info@rapidwaterrecovery.com</a><br/>
      Phone: <a href="tel:${phoneLink}">${phone}</a>
    </p>
  </div>
</div>`
  };

  return [about, contact, services, serviceAreas, privacy, terms];
};
