Initial scaffold: submissions page + reader-magnet stub

Mirrors twosquirrelspress-site's submissions form and
michaelferrara-site's gift/course-enroll pattern. Gift page content,
cover art, and the download file are stubs until the real
reader-magnet is ready.

Co-Authored-By: Claude Sonnet 5 <noreply@anthropic.com>

content/terms.md

@@ -0,0 +1,46 @@
+---
+title: "Terms of Use"
+description: "Terms for using thistleandmoth.org, its free story, and its submissions."
+---
+
+_Last updated: July 2026_
+
+These terms cover using thistleandmoth.org, its free story, and
+submitting the contact or submissions forms.
+
+## Using this site
+
+This site and its free story are provided as-is, for entertainment
+purposes.
+
+## The free story
+
+The story belongs to Thistle & Moth. You're welcome to read and enjoy it;
+you're not entitled to redistribute, resell, or republish it without
+asking first.
+
+## Submissions
+
+Submitting a manuscript through [the submissions page](/submissions/)
+doesn't transfer any rights in it — you retain ownership of your work
+unless a separate agreement says otherwise. Submitting doesn't guarantee
+a response or acceptance.
+
+## No warranty
+
+This site and its content are provided without warranties of any kind,
+express or implied.
+
+## Liability
+
+To the extent the law allows, Thistle & Moth isn't liable for damages
+arising from your use of this site or its content.
+
+## Changes
+
+These terms may be updated as the site changes. Material changes will
+update the date at the top of this page.
+
+## Questions
+
+[Get in touch](/contact/).