refactor: internationalize terms-of-service page and improve styling

- Extract all terms-of-service text content into messages/en.json and messages/hr.json
- Update terms-of-service page to use next-intl translations with t.rich()
- Replace dangerouslySetInnerHTML with proper t.rich() formatting
- Add Croatian translation for terms-of-service page
- Increase disclaimer max-width from 20rem to 30rem for better readability

🤖 Generated with [Claude Code](https://claude.com/claude-code)

Co-Authored-By: Claude Sonnet 4.5 <noreply@anthropic.com>

app/lib/paragraphFormatFactory.tsx

@@ -6,7 +6,7 @@ export const paragraphFormatFactory = (locale: string) => ({
   bold: (chunks: ReactNode) => <strong className='text-bold' >{chunks}</strong>,
   indigo: (chunks: ReactNode) => <span className="text-indigo-400"> {chunks} </span>,
   p: (chunks: ReactNode) => <p className="p mt-[1em] max-w-[38rem] mx-auto text-justify">{chunks}</p>,
-  disclaimer: (chunks: ReactNode) => <p className="p mt-[1em] max-w-[20rem] mx-auto text-center text-sm text-neutral-500">{chunks}</p>,
+  disclaimer: (chunks: ReactNode) => <p className="p mt-[1em] max-w-[30rem] mx-auto text-center text-sm text-neutral-500">{chunks}</p>,
   hint: (chunks: ReactNode) => <span className='text-indigo-400 block'> {chunks}</span>,
   linkTermsOfService: (chunks: ReactNode) => <Link href={`/${locale}/terms-of-service`} className="hover:underline italic">{chunks}</Link>,
   linkPrivacyPolicy: (chunks: ReactNode) => <Link href={`/${locale}/privacy-policy`} className="hover:underline italic">{chunks}</Link>