clean and refine product docs structure

2026-06-24 01:32:46 +03:30
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+# Open Questions & To-Do Backlog
+
+[← Product docs home](../index.md)
+
+From `whatsInYourMind.txt` — things to build, research, or decide. Some are now resolved in the
+refined data model; marked below.
+
+---
+
+## Build / surface backlog
+
+- **Ticket page** — the admin-readable messaging surface; modeled in
+  [Messaging (ticket system)](../data-model/09-messaging.md) and required by
+  [Messaging & On-Site Emergencies](../business/12-messaging-and-emergencies.md).
+- **Backoffice / admin** — see [Notifications & Admin / Backoffice](../business/14-notifications-and-admin.md).
+- **Verify the registration code** — OTP confirmation step in onboarding.
+- **Rate limiting** — abuse protection on auth/OTP and API.
+- **Workbox for cache** (maybe) — PWA/offline caching, client-side.
+
+## Needs research
+
+- **Terms of Service page** — *(needs research)*.
+- **Privacy & Policy page** — *(needs research)*.
+
+---
+
+## Resolved questions (kept for the record)
+
+These were the two hardest open questions; both are now **answered** against verified payment
+research and built into the model.
+
+- ~~اگر پرداخت قسطی داشته باشیم و طرف اون وسط بخواد کنسل کنه چی میشه؟~~
+  **(BNPL booking cancelled mid-plan — what happens?)** → Resolved. Money always flows
+  `customer ↔ provider ↔ Balinyaar`; Balinyaar calls the provider's revert/cancel/update API and the
+  provider unwinds the customer's installments. See
+  [Q1 — cancellation/refund](../payments/cancellation-and-payout.md) and
+  [the two questions](../data-model/index.md).
+- ~~BNPL اگر باشه خب پول پرستار رو کی میده؟~~
+  **(Under BNPL, who pays the nurse?)** → Resolved. **Balinyaar** pays the nurse, on its own weekly
+  schedule, from `gross − balinyaar_commission` — identical to a card booking; the BNPL commission is
+  a platform expense, never the nurse's. See [Q2 — who pays the nurse & when](../payments/cancellation-and-payout.md).
+
+---
+
+See also the launch-blocking items to confirm with counsel / providers:
+[research open questions](../research/go-to-market.md) and
+[data-model open items](../data-model/index.md).