fix: remove empty 0-byte stub files privacy.html and refund.html (#864)

[mrunalC27]

Description

Removes public/privacy.html and public/refund.html, which existed as
0-byte empty files alongside the real content pages
public/privacy-policy.html and public/refund-policy.html.

Problem

Since express.static serves public/ directly, visiting
/privacy.html or /refund.html returned a blank HTTP 200 page instead
of a 404 or real content — confusing for anyone who lands on those URLs.

Investigation

Searched public/, api/, and middlewares/ for any reference to
privacy.html or refund.html (links, redirects, route handlers) —
found none. These appear to be leftover stub files from an earlier
rename to privacy-policy.html / refund-policy.html that were never
cleaned up.

Fix

Deleted both empty files. Since nothing in the codebase links to them,
this is the lowest-risk fix — visiting either URL now correctly returns
a 404 instead of a misleading blank page.

Testing

• Ran npm run dev and confirmed both real pages
  (privacy-policy.html, refund-policy.html) still load correctly
• Confirmed /privacy.html and /refund.html now return 404
• No other files reference the removed filenames

Closes #864

[vercel]

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