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
