diff --git a/terms.html b/terms.html
index 69f53f1..1882f47 100644
--- a/terms.html
+++ b/terms.html
@@ -3,8 +3,14 @@
 <head>
 <meta charset="UTF-8">
 <meta name="viewport" content="width=device-width, initial-scale=1.0">
-<title>BAL Server List — Terms & Conditions</title>
+<title>BAL Server List — Terms &amp; Conditions</title>
 <link rel="icon" href="Logo_nero.ico" type="image/x-icon">
+<!--
+  Sections 2-4 rewritten on 2026-07 for the yearly-listing model
+  (flat yearly fee, renewal from 6 months before expiry, list
+  ordered by points). Section 1, header, footer and the dynamic
+  min-deposit script are unchanged from the previous version.
+-->
 <style>
 :root{
   --maxw:1120px;
@@ -67,6 +73,25 @@ header.hero{padding:48px 0 28px;border-bottom:1px solid var(--line)}
 .info-block .ic{font-family:var(--mono);font-size:12px;color:var(--accent);letter-spacing:.1em;display:block;margin-bottom:10px}
 .info-block h3{font-size:15px;margin:0 0 8px;letter-spacing:.01em}
 .info-block p{font-size:14px;color:var(--muted);margin:0;line-height:1.6}
+/* Blocks with more than one paragraph need breathing room between them */
+.info-block p + p{margin-top:8px}
+
+/* --- Added for the yearly-listing model (2026-07) ---
+   Listing lifecycle: a small horizontal timeline that encodes the real
+   sequence pay -> listed -> renewal window -> expiry. Spans both grid
+   columns so the four steps read left to right. */
+.lifecycle{grid-column:1 / -1;display:grid;grid-template-columns:repeat(4,1fr);gap:16px;
+  background:var(--panel);border:1px solid var(--line);border-radius:var(--radius);
+  padding:22px 24px;box-shadow:var(--shadow)}
+.step{position:relative;padding-top:14px;border-top:3px solid var(--line-strong)}
+.step:first-child{border-top-color:var(--accent)}
+.step::before{
+  content:"";position:absolute;top:-7px;left:0;width:11px;height:11px;border-radius:50%;
+  background:var(--panel);border:3px solid var(--line-strong);
+}
+.step:first-child::before{border-color:var(--accent)}
+.step h3{font-size:14px;margin:0 0 6px;letter-spacing:.01em}
+.step p{font-size:13px;color:var(--muted);margin:0;line-height:1.55}
 
 footer{border-top:1px solid var(--line);margin-top:48px;padding:28px 0;color:var(--muted);font-size:13px}
 footer .wrap{display:flex;justify-content:space-between;flex-wrap:wrap;gap:12px}
@@ -75,6 +100,11 @@ footer a{color:var(--accent);text-decoration:none}
 @media (max-width:860px){
   .info-grid{grid-template-columns:1fr}
   .brand h1{font-size:24px}
+  /* On small screens the timeline stacks vertically like the other blocks */
+  .lifecycle{grid-template-columns:1fr}
+  .step{border-top:none;border-left:3px solid var(--line-strong);padding:0 0 4px 16px}
+  .step:first-child{border-left-color:var(--accent)}
+  .step::before{top:2px;left:-7px}
 }
 
 @media (prefers-reduced-motion:reduce){*{transition:none!important}}
@@ -86,9 +116,98 @@ footer a{color:var(--accent);text-decoration:none}
   <header class="hero">
     <div class="wrap">
       <div class="brand">
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+</svg></div>
         <div>
-          <h1>Terms & Conditions</h1>
+          <h1>Terms &amp; Conditions</h1>
           <div class="sub">Bitcoin After Life · Will Executor List</div>
         </div>
       </div>
@@ -98,7 +217,7 @@ footer a{color:var(--accent);text-decoration:none}
   <main class="wrap">
 
     <section class="info-section">
-      <h2>1. Contact & Support</h2>
+      <h2>1. Contact &amp; Support</h2>
       <p class="sub">For URL changes, refunds, or any issues related to your Will Executor listing, contact us at <a href="mailto:welist@bitcoin-after.life">welist@bitcoin-after.life</a>.</p>
       <div class="info-grid">
         <div class="info-block">
@@ -115,53 +234,86 @@ footer a{color:var(--accent);text-decoration:none}
     </section>
 
     <section class="info-section">
-      <h2>2. Ranking</h2>
-      <p class="sub">Servers are sorted by descending balance, then by ascending base fee for ties, then by descending points.</p>
+      <h2>2. Listing &amp; Renewal</h2>
+      <p class="sub">A listing works like a hosting plan: a flat yearly fee buys your server one year of presence in the list. No balances, no ranking by deposit, no daily decay. Payments are non-refundable (see Section&nbsp;1) — double-check your server URL before paying.</p>
       <div class="info-grid">
         <div class="info-block">
-          <span class="ic">01</span>
-          <h3>Primary Sort: Balance</h3>
-          <p>Servers with a higher balance appear first in the list. A higher balance signals stronger commitment to the network.</p>
+          <span class="ic">01 · PAYMENT</span>
+          <h3>One Year at a Time</h3>
+          <p>The listing fee is <span id="thr-min">50,000</span> sats for 365 days, paid one year at a time. The exact amount in satoshi is shown in the payment request. Your server appears in the list once the payment reaches 3 confirmations on the blockchain (typically around 30 minutes), and your listing period starts at that moment.</p>
+          <p>Payments below the yearly fee will be considered donations and do not add listing time.</p>
         </div>
         <div class="info-block">
-          <span class="ic">02</span>
-          <h3>Secondary Sort: Base Fee</h3>
-          <p>When two servers have the same balance, the one with the higher base fee is ranked first.</p>
+          <span class="ic">02 · RENEWAL</span>
+          <h3>Renew From 6 Months Before Expiry</h3>
+          <p>You can renew for one additional year at any time starting 6 months before your expiry date, by paying the yearly fee for the exact same server URL as published in the list. The new year is added on top of your remaining time — renewing early never costs you days.</p>
+          <p>If the listing is not renewed, the server is removed from the list at expiry.</p>
         </div>
         <div class="info-block">
-          <span class="ic">03</span>
-          <h3>Points & WeTime</h3>
-          <p>Points are earned by participating in WeTime rounds. Each executor periodically submits its block hash; the faster the response within the same block, the more points awarded. The win count tracks how many times an executor was the fastest responder.</p>
+          <span class="ic">03 · CAPACITY</span>
+          <h3>No Cap on Listings</h3>
+          <p>There is no fixed number of slots: every server with remaining listing time is shown. Paying buys presence in the list, not a position in it (see Section&nbsp;3).</p>
+          <p>Removal from the list does not affect users who already have your server in their plugin: the plugin's server list is add-only. Being listed matters for reaching new users.</p>
         </div>
         <div class="info-block">
-          <span class="ic">04</span>
-          <h3>Deposit Threshold</h3>
-          <p>All deposits below <span id="thr-min">50,000</span> sats will be considered donations and will not increase the balance.</p>
-          <p>All servers with a positive balance will be listed.</p>
+          <span class="ic">04 · TRANSITION</span>
+          <h3>Deposits Made Under the Previous Rules</h3>
+          <p>Balances deposited under the previous, balance-based rules are converted into listing time pro-rata at the same yearly rate (e.g. a 5,000-sat balance becomes 36.5 days of listing). Countdowns for converted balances start on 17 July 2026. To stay listed beyond the converted time, renew as described above.</p>
+        </div>
+        <div class="lifecycle">
+          <div class="step">
+            <h3>Pay</h3>
+            <p>Send the yearly fee shown in the payment request.</p>
+          </div>
+          <div class="step">
+            <h3>Listed</h3>
+            <p>After 3 confirmations your server appears; 365 days start.</p>
+          </div>
+          <div class="step">
+            <h3>Renewal window</h3>
+            <p>From 6 months before expiry you can add another year.</p>
+          </div>
+          <div class="step">
+            <h3>Expiry</h3>
+            <p>If not renewed, the server is removed from the list.</p>
+          </div>
         </div>
       </div>
     </section>
 
     <section class="info-section">
-      <h2>3. Balance Decay (Daily Fee)</h2>
-      <p class="sub">A daily maintenance fee applies to the top 10 executors on each chain to keep the system active and fair.</p>
+      <h2>3. List Order &amp; Server Page</h2>
+      <p class="sub">The list is ordered by points, earned by proving your server is online and synchronized. Payment does not affect position.</p>
       <div class="info-grid">
         <div class="info-block">
-          <span class="ic">MECHANISM</span>
-          <h3>How It Works</h3>
-          <p>Once every 24 hours, if there are at least 10 active executors with a positive balance on a given chain, the system deducts 1/365 of the lowest balance among the top 10 (rounded up) from each of the top 10 executors. All deductions are recorded on the blockchain.</p>
+          <span class="ic">ORDER</span>
+          <h3>Points &amp; WeTime</h3>
+          <p>Points are earned by participating in WeTime rounds. Each executor periodically submits its block hash; the faster the response within the same block, the more points awarded. The win count tracks how many times an executor was the fastest responder.</p>
+          <p>Points are not transferable, not redeemable and have no monetary value: they exist only to order this list. Points measure presence and reactivity — they do not certify how a server will handle inheritance transactions.</p>
         </div>
         <div class="info-block">
-          <span class="ic">CONDITIONS</span>
-          <h3>When It Applies</h3>
-          <p>The decay only activates when there are at least 10 executors with a balance greater than zero for that specific chain. If there are fewer than 10, no fee is charged.</p>
+          <span class="ic">DETAILS</span>
+          <h3>Server Detail Page</h3>
+          <p>Clicking a server in the list opens its detail page, showing the server URL, the listing expiry date, and its WeTime activity. The expiry date is shown only there, not in the main list. Since the price per day is fixed and public, the expiry date necessarily reflects how much a server has paid: this is intentional transparency.</p>
         </div>
       </div>
     </section>
 
     <section class="info-section">
       <h2>4. Changes to These Terms</h2>
-      <p class="sub">We reserve the right to update these terms at any time.</p>
+      <p class="sub">We reserve the right to update these terms at any time. Material changes will be announced on this page with their effective date.</p>
+      <div class="info-grid">
+        <div class="info-block">
+          <span class="ic">REVIEW</span>
+          <h3>Annual Review</h3>
+          <p>Prices and rules are expected to be reviewed once a year, around 17 July, reflecting the growth of the protocol and market demand. Listing time already purchased remains valid under the conditions in force when it was bought; updated rules apply to new payments and renewals.</p>
+        </div>
+        <div class="info-block">
+          <span class="ic">SCOPE</span>
+          <h3>A Convenience Service</h3>
+          <p>This list is a convenience service operated at our discretion. The BAL protocol does not depend on it: users can add any Will Executor manually in the plugin, import custom lists, or use alternative list services. Anyone is free to run one.</p>
+        </div>
+      </div>
     </section>
 
   </main>
@@ -175,6 +327,9 @@ footer a{color:var(--accent);text-decoration:none}
 
 <script>
 (async function() {
+  // Unchanged from the previous version: fetches the current yearly fee
+  // from the server so the number on this page always matches reality.
+  // The #thr-min span is now inside Section 2 (01 · PAYMENT).
   const chain = location.hash ? location.hash.slice(1) : 'bitcoin';
   try {
     const r = await fetch('/min_deposit/' + chain);
