docs: initial product stub

PRIVACY.md

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+# Privacy Policy
+
+CircuitForge LLC's privacy policy applies to this product and is published at:
+
+**<https://circuitforge.tech/privacy>**
+
+Last reviewed: March 2026.

README.md

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+# Tern — Travel Planning & Disruption Management
+
+> *Part of the Circuit Forge LLC "AI for the tasks you hate most" suite.*
+
+**Status:** Backlog — not yet started. Peregrine must prove the model first.
+
+## What it does
+
+Tern handles travel from planning to recovery: flight and hotel monitoring, itinerary generation, visa requirement research, travel insurance comparison, and rebooking assistance when things go wrong.
+
+The Arctic tern makes the longest migration of any animal — 44,000 miles per year, pole to pole and back — every single year. The world's greatest traveler.
+
+## Why it's hard
+
+Travel is hard because:
+- Price volatility: the same flight can vary 3× in cost over 72 hours
+- Visa requirements are country-specific, citizenship-specific, and change without notice
+- Disruption recovery is time-critical: rebooking windows close fast, compensation rules are complex
+- Travel insurance policies are dense and full of exclusions
+
+## Core pipeline
+
+```
+Configure trip parameters (destination, dates, budget, constraints)
+→ Monitor flights / hotels → Alert on price drops or availability
+→ Generate itinerary → Visa + entry requirement check
+→ Travel insurance comparison → Book (or route to Ultra operator)
+→ On disruption: rebook options + compensation claim draft
+```
+
+## Key differentiators vs. Peregrine
+
+- Real-time price monitoring vs. batch discovery
+- Disruption response is time-critical (minutes, not hours)
+- Compensation claims: EU261, DOT rules, airline contract of carriage
+- Visa research: country + citizenship + trip purpose = requirements matrix
+
+## Product code (license key)
+
+`CFG-TERN-XXXX-XXXX-XXXX`
+
+## Tech notes
+
+- Shared `circuitforge-core` scaffold
+- Flight data: Skyscanner API, Google Flights scrape, airline direct
+- Visa requirements: travel.state.gov, IATA Travel Centre API
+- EU261 / DOT compensation calculator
+- Calendar integration: add itinerary items directly to user's calendar