/**
 * Default Privacy Policy markdown. Generic for local businesses (retail, restaurant, salon, etc.).
 * Businesses may override by providing a markdown string. Placeholders are replaced at render time.
 */
export const DEFAULT_PRIVACY_POLICY_MARKDOWN = `
## Introduction

{{business.name}} ("we," "us," or "our") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes how we collect, use, disclose, and safeguard information when you visit our website, use our services, visit our location(s), or otherwise interact with us. It applies to information collected through this website, in person, by phone, or through third-party platforms we use to run our business (e.g., booking or payment processors). By using our website or services, you consent to the practices described in this policy.

---

## 1. Information We Collect

We may collect the following categories of information:

**Information you provide**

- **Contact and account information** – Name, email address, phone number, mailing address, and similar details when you fill out forms, make a purchase, make a reservation or appointment, sign up for our newsletter or other communications, or contact us.
- **Transaction information** – Details of purchases, orders, reservations, or appointments; payment information (e.g., card type and last four digits; full payment details are typically processed by our payment providers and not stored by us beyond what is necessary for the transaction).
- **Preferences and feedback** – Service preferences, dietary or accessibility needs (e.g., for restaurants or events), feedback, reviews, and other information you choose to provide.

**Information collected automatically**

- **Usage and device information** – IP address, browser type, device type, operating system, pages visited, referring URL, and similar technical data when you use our website.
- **Cookies and similar technologies** – We use cookies and similar technologies as described in the Cookies section below.

**Information from other sources**

- We may receive information from third-party services we use (e.g., reservation or payment platforms, analytics providers) in accordance with their policies and applicable law.

---

## 2. How We Use Your Information

We use the information we collect to:

- Provide, operate, and improve our products and services.
- Process and fulfill orders, reservations, and appointments.
- Communicate with you about your orders, reservations, appointments, inquiries, and customer service.
- Send you marketing or promotional communications where you have opted in or where permitted by law; you may opt out at any time.
- Improve our website, user experience, and business operations.
- Comply with legal obligations, protect our rights, and prevent fraud or abuse.
- Maintain records of your preferences and consent (e.g., for marketing or text messaging).

---

## 3. Information Sharing and Disclosure

We do not sell your personal information. We may share information in the following circumstances:

**Service providers** – We may share information with third parties who perform services on our behalf (e.g., payment processing, reservation or booking systems, email delivery, website hosting, analytics). These providers are contractually required to protect your information and use it only for the purposes we specify.

**Legal and safety** – We may disclose information when required by law, court order, or legal process, or when we believe in good faith that disclosure is necessary to protect our rights, your safety, or the safety of others, to investigate fraud, or to respond to government requests.

**Business transfers** – In the event of a merger, acquisition, sale of assets, or similar transaction, your information may be transferred; we will require the recipient to honor this Privacy Policy with respect to your information.

**With your consent** – We may share information for other purposes with your consent.

---

## 4. Cookies and Similar Technologies

We may use cookies and similar technologies to operate and improve our website and to understand how visitors interact with our Site. You can usually set your browser to refuse cookies or to alert you when cookies are being sent. If you disable cookies, some features of the Site may not function properly.

---

## 5. Data Retention

We retain personal information only as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

---

## 6. Your Choices

Depending on your location and applicable law, you may have certain rights regarding your personal information, such as requesting access, correction, deletion, or opting out of certain uses. To make a request, contact us {{business.contact}}.

---

## 7. Children's Privacy

Our services are not directed to children under 13 (or other age as required by law), and we do not knowingly collect personal information from children.

---

## 8. Contact Us

If you have questions about this Privacy Policy, please contact {{business.name}} {{business.contact}}.

---

## Effective Date

This Privacy Policy is effective as of {{right_now.year}}.
`;

