Billing rework

src/app/[locale]/settings/page.tsx

@@ -33,7 +33,12 @@ export default async function SettingsPage() {
       key: "billing",
       href: "/settings/billing",
       title: t("billingTitle"),
-      description: t("billingDescription"),
+      // Personal customers (B2C) don't have a VAT number; the
+      // description shouldn't mention one. Same pattern used in the
+      // form itself (label/field gating).
+      description: user.isPersonal
+        ? t("billingDescriptionPersonal")
+        : t("billingDescription"),
       // Owners and platform admins can edit billing. `user` role
       // can't even view it — billing details aren't useful to them.
       visible: canMutate(user),