feat(05-02): add LEGAL.md, embed it, and wire keyhunter legal command

- Add LEGAL.md at repo root (109 lines) covering CFAA, Computer Misuse Act,
  EU Directive 2013/40/EU, responsible use, disclosure, and disclaimer.
- Mirror to pkg/legal/LEGAL.md for go:embed (Go cannot traverse parents).
- Add pkg/legal package exposing Text() for the embedded markdown.
- Add cmd/legal.go registering keyhunter legal subcommand to print it.

pkg/legal/LEGAL.md

@@ -0,0 +1,109 @@
+# KeyHunter — Legal Disclaimer for Active Key Verification
+
+This document describes the legal considerations for using KeyHunter's active
+verification feature (`keyhunter scan --verify` and related flags). Read it
+carefully before enabling verification.
+
+## Purpose
+
+KeyHunter's verification feature makes outbound HTTP calls to third-party
+provider APIs (OpenAI, Anthropic, Google, Cohere, and 100+ other LLM/AI
+services) in order to determine whether an API key discovered during a scan is
+currently live. Verification is **opt-in**: it runs only when you explicitly
+pass `--verify`. Passive scanning (the default) never contacts a third party.
+
+## What --verify Does
+
+- Sends a single lightweight HTTP request per discovered key to that provider's
+  documented verify endpoint (for example, `GET /v1/models` for OpenAI-style
+  APIs).
+- Uses only the HTTP methods and bodies documented in the provider's public
+  API reference.
+- Does **not** modify, create, delete, or otherwise mutate any account or data
+  on the provider's side.
+- Reads only the metadata the provider voluntarily returns in the response
+  (organization name, rate limit tier, available models).
+- Masks keys in all logs and output by default; the raw key is never written
+  to disk unless you explicitly pass `--unmask`.
+
+## Legal Considerations
+
+Verifying an API key that you do not own or do not have explicit permission to
+test may constitute unauthorized access under computer-crime statutes in many
+jurisdictions, including but not limited to:
+
+- **United States** — Computer Fraud and Abuse Act, 18 U.S.C. § 1030 (CFAA).
+  Unauthorized access to a "protected computer" (broadly interpreted to
+  include any internet-connected server) can result in civil and criminal
+  liability.
+- **United Kingdom** — Computer Misuse Act 1990, sections 1–3. Unauthorized
+  access, unauthorized access with intent, and unauthorized acts with intent
+  to impair are all criminal offences.
+- **European Union** — Directive 2013/40/EU on attacks against information
+  systems, transposed into national law by each member state.
+- **Provider Terms of Service** — In addition to statutory law, every provider
+  imposes contractual terms that typically forbid using credentials you are
+  not authorized to use. Violations can result in account termination and
+  civil claims for damages.
+
+Making an API call with a stolen or leaked key, **even a single request that
+does nothing**, may legally qualify as "access without authorization" in these
+frameworks.
+
+## Responsible Use
+
+You should only use `--verify` in the following scenarios:
+
+- **Your own keys** — keys that belong to accounts you personally own and
+  operate.
+- **Authorized engagements** — penetration tests, red-team exercises, or bug
+  bounty programs where the scope document **explicitly authorizes** active
+  verification of credentials belonging to the target.
+- **Your own CI/CD pipelines** — scanning your own source code, your
+  organization's source code (with employer authorization), or container
+  images you are responsible for.
+
+Do **not** run `--verify` against keys you found in random public
+repositories, pastes, or leak dumps belonging to third parties without first
+obtaining the owner's consent.
+
+## Responsible Disclosure
+
+If you discover a leaked API key that belongs to someone else:
+
+1. Do **not** verify it, use it, or publish it.
+2. Contact the key owner directly. Look for a `security.txt` file at
+   `https://<domain>/.well-known/security.txt`, a security contact on their
+   website, or an entry in a vulnerability disclosure platform.
+3. Provide enough detail for them to rotate the key (where you found it, what
+   provider it targets, the masked prefix) without exposing the raw secret in
+   your disclosure channel.
+4. Give the owner reasonable time to respond and rotate before any public
+   disclosure.
+
+## Disclaimer
+
+KeyHunter is provided "as is", without warranty of any kind, express or
+implied, including but not limited to the warranties of merchantability,
+fitness for a particular purpose, and non-infringement. The authors and
+contributors of KeyHunter disclaim all liability for any damages, direct or
+indirect, arising from the use or misuse of this tool. **You, the user, are
+solely responsible** for ensuring that your use of KeyHunter complies with all
+applicable laws, regulations, contracts, and terms of service in your
+jurisdiction and the jurisdiction of any service you interact with.
+
+## Consent Record
+
+The first time you run `keyhunter scan --verify`, KeyHunter displays an
+interactive consent prompt summarizing this disclaimer. You must type `yes`
+(case-insensitive) to proceed. Your decision is persisted in the local SQLite
+settings table under the key `verify.consent`. Granted consent is sticky
+across runs; declined consent is not, so you will be re-prompted next time
+(in case you change your mind or run in a different environment).
+
+To review this document at any time, run:
+
+    keyhunter legal
+
+To reset consent and force a re-prompt, clear the `verify.consent` setting
+from your KeyHunter database.

pkg/legal/legal.go

@@ -0,0 +1,17 @@
+// Package legal exposes the KeyHunter legal disclaimer as a compile-time
+// embedded string.
+//
+// Note: Go's //go:embed directive cannot traverse parent directories, so the
+// canonical LEGAL.md lives at the repo root (for user visibility) AND a
+// byte-identical copy lives at pkg/legal/LEGAL.md (for embedding). This
+// mirrors the dual-location pattern used in Phase 1 for provider YAML files
+// (providers/*.yaml vs pkg/providers/definitions/*.yaml).
+package legal
+
+import _ "embed"
+
+//go:embed LEGAL.md
+var legalMarkdown string
+
+// Text returns the embedded LEGAL.md contents.
+func Text() string { return legalMarkdown }

pkg/legal/legal_test.go

@@ -0,0 +1,22 @@
+package legal
+
+import (
+	"strings"
+	"testing"
+)
+
+func TestText_NonEmpty(t *testing.T) {
+	got := Text()
+	if len(got) < 500 {
+		t.Fatalf("Text() too short: got %d bytes, want > 500", len(got))
+	}
+}
+
+func TestText_ContainsKeyPhrases(t *testing.T) {
+	got := Text()
+	for _, phrase := range []string{"CFAA", "Responsible Use", "Disclaimer"} {
+		if !strings.Contains(got, phrase) {
+			t.Errorf("Text() missing required phrase %q", phrase)
+		}
+	}
+}