fix: 隐私协议合规整改——登录页文案改'我已阅读并同意'；订阅支付页新增默认不勾选协议勾选框，未勾选拦截支付并引导（应对审核：不得默认自动同意）

client/src/pages/payment/payment.vue

@@ -69,13 +69,22 @@
           class="pay-btn"
           :loading="loading"
           :disabled="loading"
+          :class="{ unagreed: !payAgreed }"
           @click="handlePay"
         >
           <text class="pay-btn-text">立即支付 ¥{{ currentPrice }}</text>
         </button>
-        <text class="pay-agreement">
-          点击支付即表示同意《用户协议》和《隐私政策》
-        </text>
+        <view class="pay-agreement-row">
+          <view class="pay-checkbox" :class="{ checked: payAgreed }" @click="payAgreed = !payAgreed">
+            <text v-if="payAgreed">✓</text>
+          </view>
+          <text class="pay-agreement-text">
+            我已阅读并同意
+            <text class="pay-agreement-link" @click.stop="openAgreement('terms')">《用户协议》</text>
+            和
+            <text class="pay-agreement-link" @click.stop="openAgreement('privacy')">《隐私政策》</text>
+          </text>
+        </view>
       </view>
 
       <view class="footer-spacer"></view>
@@ -127,6 +136,7 @@ const currentPrice = computed(() => PLAN_MAP[selectedPlan.value].price)
 const currentProductId = computed(() => PLAN_MAP[selectedPlan.value].productId)
 
 const loading = ref(false)
+const payAgreed = ref(false) // 协议勾选：默认不勾选，用户自主选择（审核合规）
 // H5 支付相关状态
 const h5PayUrl = ref('')
 const showH5Fallback = ref(false)
@@ -143,7 +153,15 @@ function isH5() {
   return false
 }
 
+async function openAgreement(type) {
+  uni.navigateTo({ url: '/pages/agreement/agreement?type=' + (type || 'terms') })
+}
+
 async function handlePay() {
+  if (!payAgreed.value) {
+    uni.showToast({ title: '请先阅读并勾选同意《用户协议》和《隐私政策》', icon: 'none' })
+    return
+  }
   if (!userStore.isLoggedIn) {
     uni.showToast({ title: '请先登录', icon: 'none' })
     return
@@ -576,4 +594,17 @@ onShareAppMessage(() => ({
     padding: 8px;
   }
 }
-</style>
+</style>
+<style scoped>
+.pay-agreement-row { display: flex; align-items: center; justify-content: center; gap: 6px; margin-top: 10px; }
+.pay-checkbox {
+  width: 18px; height: 18px; border-radius: 4px;
+  border: 1.5px solid var(--text-muted); background: var(--glass-bg);
+  display: flex; align-items: center; justify-content: center;
+  font-size: 12px; color: #fff; flex-shrink: 0;
+}
+.pay-checkbox.checked { background: var(--color-brand); border-color: var(--color-brand); }
+.pay-agreement-text { font-size: 11px; color: var(--text-tertiary); }
+.pay-agreement-link { color: var(--color-brand); }
+button.unagreed { opacity: 0.55; }
+</style>