.page-disclaimer{
  --terms-no-w: 3.1rem;
  --terms-text: rgba(244,247,245,.84);
  --terms-text-strong: var(--white);
  background: var(--ink-800);
  color: var(--white);
}

/* ---------- 顶部横幅 ---------- */
.page-disclaimer .terms-hero{
  position: relative;
  isolation: isolate;
  overflow: hidden;
  background: var(--ink-900);
  padding: calc(var(--head-h) + 3.2rem) 0 clamp(2.2rem, 6vw, 3.6rem);
  border-bottom: 1px solid var(--line);
}
.page-disclaimer .terms-hero__img{
  position: absolute;
  inset: 0;
  width: 100%;
  height: 100%;
  object-fit: cover;
  object-position: center 62%;
  opacity: .38;
  z-index: 0;
}
.page-disclaimer .terms-hero__scrim{
  position: absolute;
  inset: 0;
  z-index: 1;
  background:
    repeating-linear-gradient(115deg, rgba(5,19,15,.46) 0 20px, rgba(30,86,67,.28) 20px 40px),
    linear-gradient(140deg, rgba(5,19,15,.94) 0%, rgba(11,43,34,.74) 46%, rgba(255,92,26,.30) 100%);
}
.page-disclaimer .terms-hero::after{
  content: "";
  position: absolute;
  right: -8%;
  bottom: -46%;
  width: 54%;
  aspect-ratio: 1 / 1;
  transform: rotate(45deg);
  background: linear-gradient(160deg, var(--flame), var(--flame-deep));
  opacity: .14;
  z-index: 1;
  pointer-events: none;
}
.page-disclaimer .terms-hero__inner{
  position: relative;
  z-index: 2;
}
.page-disclaimer .breadcrumb ol{
  display: flex;
  flex-wrap: wrap;
  gap: .5rem;
  margin: 0 0 1.4rem;
  padding: 0;
  list-style: none;
  font-family: var(--font-mono);
  font-size: .72rem;
  letter-spacing: .14em;
  color: var(--mist);
}
.page-disclaimer .breadcrumb li + li::before{
  content: "/";
  margin-right: .5rem;
  color: var(--flame-soft);
}
.page-disclaimer .breadcrumb a{
  color: var(--mist);
  text-decoration: none;
  border-bottom: 1px solid transparent;
  transition: color .2s var(--ease), border-color .2s var(--ease);
}
.page-disclaimer .breadcrumb a:hover{
  color: var(--white);
  border-bottom-color: var(--flame);
}
.page-disclaimer .terms-hero .eyebrow{
  color: var(--flame-soft);
}
.page-disclaimer .terms-hero__title{
  max-width: 18ch;
  margin: .7rem 0 1.1rem;
  color: var(--white);
}
.page-disclaimer .terms-hero__lede{
  max-width: 46ch;
  margin: 0;
  font-size: clamp(.98rem, 1.6vw, 1.08rem);
  line-height: 1.9;
  color: var(--terms-text);
}
.page-disclaimer .terms-hero__meta{
  display: flex;
  flex-wrap: wrap;
  gap: .55rem 1.6rem;
  margin: 1.8rem 0 0;
  padding: 0;
  list-style: none;
  font-family: var(--font-mono);
  font-size: .74rem;
  letter-spacing: .1em;
  color: var(--mist);
  font-variant-numeric: tabular-nums;
}
.page-disclaimer .terms-hero__meta li{
  position: relative;
  padding-left: .95rem;
}
.page-disclaimer .terms-hero__meta li::before{
  content: "";
  position: absolute;
  left: 0;
  top: .55em;
  width: 5px;
  height: 5px;
  background: var(--sand);
  transform: rotate(45deg);
}

/* ---------- 主体骨架 ---------- */
.page-disclaimer .terms-wrap{
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: clamp(1.6rem, 4vw, 2.5rem);
  padding-top: clamp(2.2rem, 5vw, 3.4rem);
  padding-bottom: clamp(3rem, 7vw, 5rem);
}

/* ---------- 条款目录 ---------- */
.page-disclaimer .terms-toc{
  border: 1px solid var(--line);
  border-radius: 14px;
  padding: 1.1rem 1.2rem 1.3rem;
  background: var(--glass);
  backdrop-filter: blur(12px);
  -webkit-backdrop-filter: blur(12px);
}
.page-disclaimer .terms-toc .eyebrow{
  display: block;
  margin: 0 0 .9rem;
  color: var(--mist);
}
.page-disclaimer .terms-toc__list{
  display: grid;
  gap: .15rem;
  margin: 0;
  padding: 0;
  list-style: none;
}
.page-disclaimer .terms-toc__list a{
  display: grid;
  grid-template-columns: 2.2rem minmax(0, 1fr);
  align-items: baseline;
  gap: .4rem;
  padding: .5rem 0;
  font-size: .86rem;
  line-height: 1.55;
  color: var(--mist);
  text-decoration: none;
  border-bottom: 1px solid var(--line);
  transition: color .22s var(--ease);
}
.page-disclaimer .terms-toc__list li:last-child a{
  border-bottom: none;
}
.page-disclaimer .terms-toc__list a:hover,
.page-disclaimer .terms-toc__list a:focus-visible{
  color: var(--white);
}
.page-disclaimer .terms-toc__no{
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: .78rem;
  letter-spacing: .08em;
  color: var(--flame);
  font-variant-numeric: tabular-nums;
}
.page-disclaimer .terms-toc__list a:hover .terms-toc__no{
  color: var(--sand);
}

/* ---------- 条款 ---------- */
.page-disclaimer .clause{
  display: grid;
  grid-template-columns: var(--terms-no-w) minmax(0, 1fr);
  column-gap: clamp(.7rem, 2.4vw, 1.4rem);
  padding: clamp(1.7rem, 4vw, 2.6rem) 0;
  border-top: 1px solid var(--line);
  scroll-margin-top: calc(var(--head-h) + 1.6rem);
}
.page-disclaimer .clause:first-child{
  border-top: none;
  padding-top: 0;
}
.page-disclaimer .clause__no{
  grid-column: 1;
  grid-row: 1;
  align-self: start;
  padding-top: .32em;
  font-family: var(--font-mono);
  font-weight: 700;
  font-size: clamp(.95rem, 2.2vw, 1.15rem);
  letter-spacing: .06em;
  line-height: 1.2;
  color: var(--flame);
  text-decoration: none;
  font-variant-numeric: tabular-nums;
  transition: color .22s var(--ease);
}
.page-disclaimer .clause__no:hover,
.page-disclaimer .clause__no:focus-visible{
  color: var(--sand);
}
.page-disclaimer .clause__title{
  grid-column: 2;
  grid-row: 1;
  margin: 0 0 1rem;
  color: var(--white);
}
.page-disclaimer .clause__content{
  grid-column: 2;
  grid-row: 2;
  color: var(--terms-text);
}
.page-disclaimer .clause__content p{
  max-width: 34em;
  margin: 0 0 1.05em;
  font-size: 1rem;
  line-height: 1.9;
}
.page-disclaimer .clause__content p:last-child{
  margin-bottom: 0;
}
.page-disclaimer .clause__content a{
  color: var(--flame-soft);
  text-decoration: underline;
  text-underline-offset: .22em;
  text-decoration-thickness: 1px;
  transition: color .2s var(--ease);
}
.page-disclaimer .clause__content a:hover,
.page-disclaimer .clause__content a:focus-visible{
  color: var(--white);
}
.page-disclaimer .clause__content strong{
  color: var(--terms-text-strong);
  font-weight: 600;
}
.page-disclaimer .clause__list{
  display: grid;
  gap: .68rem;
  max-width: 34em;
  margin: 1.15rem 0 0;
  padding: 0;
  list-style: none;
}
.page-disclaimer .clause__list li{
  position: relative;
  padding-left: 1.15rem;
  font-size: .97rem;
  line-height: 1.78;
}
.page-disclaimer .clause__list li::before{
  content: "";
  position: absolute;
  left: 0;
  top: .82em;
  width: 7px;
  height: 2px;
  background: var(--sand);
}

/* 禁止行为清单 */
.page-disclaimer .ban-list{
  display: grid;
  gap: .85rem;
  max-width: 34em;
  margin: 1.2rem 0 0;
  padding: 0;
  list-style: none;
}
.page-disclaimer .ban-list li{
  position: relative;
  padding-left: 1.3rem;
  font-size: .97rem;
  line-height: 1.75;
  color: var(--terms-text-strong);
}
.page-disclaimer .ban-list li::before{
  content: "";
  position: absolute;
  left: 0;
  top: .42em;
  width: 4px;
  height: 1.05em;
  border-radius: 2px;
  background: var(--flame-soft);
  transition: background-color .24s var(--ease), height .24s var(--ease);
}
.page-disclaimer .ban-list li:hover::before{
  background: var(--flame);
  height: 1.25em;
}

/* 使用范围三档 */
.page-disclaimer .scope-grid{
  display: grid;
  grid-template-columns: minmax(0, 1fr);
  gap: 1px;
  margin: 1.3rem 0 0;
  padding: 0;
  list-style: none;
  background: var(--line);
  border: 1px solid var(--line);
  border-radius: 14px;
  overflow: hidden;
}
.page-disclaimer .scope-grid__item{
  background: var(--ink-700);
  padding: 1.05rem 1.15rem 1.15rem;
  transition: background-color .24s var(--ease);
}
.page-disclaimer .scope-grid__item:hover{
  background: var(--ink-600);
}
.page-disclaimer .scope-grid dt{
  margin-bottom: .45rem;
  font-family: var(--font-display);
  font-size: 1.06rem;
  letter-spacing: .02em;
  color: var(--flame-soft);
}
.page-disclaimer .scope-grid dd{
  margin: 0;
  font-size: .93rem;
  line-height: 1.75;
  color: var(--terms-text);
}
.page-disclaimer .scope-grid dd a{
  color: var(--sand);
}

/* ---------- 文末去向块 ---------- */
.page-disclaimer .terms-next{
  position: relative;
  overflow: hidden;
  margin-top: clamp(2rem, 5vw, 3.2rem);
  padding: clamp(1.5rem, 4vw, 2.4rem);
  border: 1px solid var(--line-strong);
  border-radius: 16px;
  background:
    linear-gradient(140deg, var(--ink-700) 0%, var(--ink-800) 58%, rgba(255,92,26,.16) 100%);
}
.page-disclaimer .terms-next::after{
  content: "";
  position: absolute;
  top: -58px;
  right: -58px;
  width: 190px;
  height: 190px;
  border-radius: 50%;
  background: radial-gradient(circle, rgba(255,92,26,.4), rgba(255,92,26,0) 70%);
  pointer-events: none;
}
.page-disclaimer .terms-next .eyebrow{
  display: block;
  margin: 0 0 .7rem;
  color: var(--mist);
}
.page-disclaimer .terms-next .t-sub{
  max-width: 22ch;
  margin: 0 0 .8rem;
  color: var(--white);
}
.page-disclaimer .terms-next__note{
  max-width: 40em;
  margin: 0;
  font-size: .97rem;
  line-height: 1.85;
  color: var(--terms-text);
}
.page-disclaimer .terms-next__actions{
  position: relative;
  z-index: 1;
  display: flex;
  flex-wrap: wrap;
  gap: .8rem;
  margin-top: 1.5rem;
}

.page-disclaimer .terms-stamp{
  margin: clamp(1.6rem, 4vw, 2.2rem) 0 0;
  padding-top: 1.1rem;
  border-top: 1px solid var(--line);
  font-size: .78rem;
  line-height: 1.8;
  letter-spacing: .02em;
  color: var(--mist);
  word-break: break-word;
}

/* ---------- 断点 ---------- */
@media (min-width: 760px){
  .page-disclaimer .scope-grid{
    grid-template-columns: repeat(3, minmax(0, 1fr));
  }
}

@media (min-width: 980px){
  .page-disclaimer .terms-wrap{
    grid-template-columns: minmax(190px, 232px) minmax(0, 1fr);
    gap: clamp(2.4rem, 5vw, 4.4rem);
  }
  .page-disclaimer .terms-toc{
    position: sticky;
    top: calc(var(--head-h) + 1.6rem);
    align-self: start;
    padding: 1.2rem 1.25rem 1.4rem;
  }
  .page-disclaimer .terms-hero__title{
    max-width: 22ch;
  }
}

@media (min-width: 1240px){
  .page-disclaimer{
    --terms-no-w: 3.9rem;
  }
  .page-disclaimer .clause__content p{
    font-size: 1.02rem;
  }
}

@media (max-width: 560px){
  .page-disclaimer .terms-next__actions{
    flex-direction: column;
  }
  .page-disclaimer .terms-next__actions .btn{
    width: 100%;
    justify-content: center;
    text-align: center;
  }
  .page-disclaimer .terms-hero__meta{
    gap: .45rem 1rem;
  }
}

@media (prefers-reduced-motion: reduce){
  .page-disclaimer *{
    transition-duration: .01ms !important;
    animation-duration: .01ms !important;
  }
}
<<<END>>>

另外，条款编号用了锚点链接，内容顺序很清晰。顶部横幅用草皮纹路和深墨绿加橙色渐变做氛围，进入正文后就是干净的阅读态。禁止行为的橙色短竖线在悬停时会实一些，使用范围分三档做成了并排卡片，适合机构用户对比着看。文末的链接块指向数据下载中心和反馈通道，可以自然地带客户去下一步。