feat(auth): add user identity verification system with new screens

Add comprehensive identity verification flow including:
- New verification guide screen at /verification-guide for selecting identity type
- New verification form screen at /verification-form for submitting verification documents
- Verification settings screen at /profile/verification for managing verification status
- Move terms and privacy policy to root-level routes (/terms, /privacy)
- Update login to require active terms agreement checkbox
- Database: add in-memory fallback when OPFS is unavailable on web

BREAKING CHANGE: Terms and privacy policy routes moved from /profile/terms and /profile/privacy to /terms and /privacy

src/screens/profile/SettingsScreen.tsx

@@ -254,7 +254,7 @@ export const SettingsScreen: React.FC = () => {
         router.push(hrefs.hrefProfileEdit());
         break;
       case 'verification':
-        router.push('/profile/verification');
+        router.push(hrefs.hrefProfileVerification());
         break;
       case 'notification_settings':
         router.push(hrefs.hrefProfileNotifications());