fix: show toast when clicking login without agreeing to privacy terms

Ultraworked with [Sisyphus](https://github.com/code-yeongyu/oh-my-openagent)

Co-authored-by: Sisyphus <clio-agent@sisyphuslabs.ai>

zhiyin-app/src/pages/login/login.vue

@@ -33,7 +33,7 @@
             <text class="field-label">密码</text>
             <input class="input" type="password" v-model="password" placeholder="请输入密码" @confirm="doPasswordLogin" />
           </view>
-          <button class="login-btn" :disabled="!canPasswordLogin || pwdLoading || !agreed" @click="doPasswordLogin">
+          <button class="login-btn" :disabled="!canPasswordLogin || pwdLoading" @click="doPasswordLogin">
             {{ pwdLoading ? '登录中...' : '登录' }}
           </button>
           <view class="switch-hint" @click="loginMode='code'">忘记密码？使用验证码登录</view>
@@ -54,7 +54,7 @@
             <text class="field-label">验证码</text>
             <input class="input" type="number" maxlength="6" v-model="emailCode" placeholder="请输入6位验证码" />
           </view>
-          <button class="login-btn" :disabled="!emailSent || !emailCode || emailLoading || !agreed" @click="doEmailLogin">
+          <button class="login-btn" :disabled="!emailSent || !emailCode || emailLoading" @click="doEmailLogin">
             {{ emailLoading ? '登录中...' : '登录' }}
           </button>
           <view class="switch-hint" @click="loginMode='password'">已有密码？使用密码登录</view>
@@ -77,7 +77,7 @@
           <text class="field-label">确认密码</text>
           <input class="input" type="password" v-model="confirmPassword" placeholder="再次输入密码" @confirm="doRegister" />
         </view>
-        <button class="login-btn" :disabled="!canRegister || regLoading || !agreed" @click="doRegister">
+        <button class="login-btn" :disabled="!canRegister || regLoading" @click="doRegister">
           {{ regLoading ? '注册中...' : '注册' }}
         </button>
         <view class="switch-hint" @click="mainTab='login'">已有账号？去登录</view>
@@ -87,7 +87,7 @@
       <view class="card" v-if="mainTab === 'wechat' && isMp">
         <text class="card-title">微信一键登录</text>
         <text class="card-sub">授权后自动创建账号</text>
-        <button class="login-btn wx-btn" :disabled="wxLoading || !agreed" @click="doWxLogin">{{ wxLoading ? '登录中...' : '微信一键登录' }}</button>
+        <button class="login-btn wx-btn" :disabled="wxLoading" @click="doWxLogin">{{ wxLoading ? '登录中...' : '微信一键登录' }}</button>
       </view>
 
       <!-- 法律声明 - 用户自主勾选同意 -->
@@ -156,6 +156,10 @@ onBeforeUnmount(() => { if (timer) { clearTimeout(timer); timer = null } })
 
 // 辅助
 const showToast = (title, icon = 'none') => uni.showToast({ title, icon })
+const checkAgreed = () => {
+  if (!agreed.value) { showToast('请阅读并同意《用户服务协议》和《隐私政策》'); return false }
+  return true
+}
 const loginSuccess = (data) => {
   uni.setStorageSync('token', data.token)
   if (data.user) uni.setStorageSync('userInfo', JSON.stringify(data.user))
@@ -165,7 +169,7 @@ const loginSuccess = (data) => {
 
 // ====== 密码登录 ======
 const doPasswordLogin = async () => {
-  if (!canPasswordLogin.value) return
+  if (!canPasswordLogin.value || !checkAgreed()) return
   pwdLoading.value = true
   try {
     const res = await uni.request({
@@ -227,7 +231,7 @@ const startCooldown = () => {
 }
 
 const doEmailLogin = async () => {
-  if (!emailCode.value) return
+  if (!emailCode.value || !checkAgreed()) return
   emailLoading.value = true
   try {
     const res = await uni.request({
@@ -250,7 +254,7 @@ const doEmailLogin = async () => {
 
 // ====== 注册 ======
 const doRegister = async () => {
-  if (!canRegister.value) return
+  if (!canRegister.value || !checkAgreed()) return
   regLoading.value = true
   try {
     const res = await uni.request({
@@ -292,6 +296,7 @@ const skipSetPwd = () => { showSetPwd.value = false }
 // ====== 微信登录 ======
 const doWxLogin = async () => {
   // #ifdef MP-WEIXIN
+  if (!checkAgreed()) { wxLoading.value = false; return }
   wxLoading.value = true
   try {
     const wxResp = await uni.login()