Mobile API requests authenticated via OAuth2 bearer tokens bypassed the
Terms gate that the root loader applies to web cookie sessions. Extend
requireApiUser to compare the user's termsVersion with TERMS_VERSION
and return a structured 403 { code: "TERMS_OUTDATED", currentTermsVersion }
on mismatch so mobile clients can surface their own re-acceptance UI.
Spec delta on journal-auth captures the new requirement.
Co-Authored-By: Claude Opus 4.7 (1M context) <noreply@anthropic.com>
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