/**
 * currency_helpers.php
 * /app/Helpers/currency_helpers.php
 * This original/initial version is DEPRECATED
 */

// Critical Info:

/* ************
All previous/existing fees fetching, fees structure, fees application/implementation, fees calculation, as well as all previous/existing fx rates, fx conversion, currency data, currency settings, currency formatting, calculation, etc helpers, methods, functions and classes must now delegate to the NEW currency + fees management suite, which implements records in the following db tables as source of truth for my fintech app/website platform.

modular_currency_data,
modular_currency_rates,
modular_currency_rates_history,
modular_currency_settings,
modular_fee_internal_names,
modular_fee_process_types,
modular_fee_structures

These NEW currency + fees management suite scripts include:
/app/Classes/PaymentModule.php
/app/Classes/fxMasterSuite.php
/app/Classes/SimpleFileCache.php

Fee structures are created and managed by the super_admin with the following script:
/app/Legacy/admin/fees-management.php which has been adapted from /app/Legacy/admin/admin_fees_management.php 
************  */





/**
 * ============================================================================
 * CURRENCY HELPERS
 * ============================================================================
 */

/**
 * Get currency symbol from database (with fallback)
 * 
 * @param string $currencyCode The currency code (e.g., USD, NGN)
 * @param mysqli|null $db Database connection (optional)
 * @return string Currency symbol
 */
function getCurrencySymbol($currencyCode, $db = null) {
    // Try to use FxCalculator first (most reliable)
    global $fxCalculator;
    
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        return $fxCalculator->getCurrencySymbol($currencyCode);
    }
    
    // Try database lookup
    if ($db) {
        try {
            $stmt = $db->prepare("SELECT symbol FROM currency_data WHERE currency_code = ? AND is_active = 1");
            $stmt->bind_param('s', $currencyCode);
            $stmt->execute();
            $result = $stmt->get_result();
            if ($row = $result->fetch_assoc()) {
                return $row['symbol'];
            }
        } catch (Exception $e) {
            error_log("Error getting currency symbol: " . $e->getMessage());
        }
    }
    
    // Fallback symbols
    $symbols = [
        'USD' => '$', 'EUR' => '€', 'GBP' => '£', 'NGN' => '₦',
        'GHS' => 'GH₵', 'KES' => 'KSh', 'ZAR' => 'R', 'CNY' => '¥',
        'JPY' => '¥', 'CAD' => 'C$', 'AUD' => 'A$', 'CHF' => 'Fr',
        'INR' => '₹', 'BRL' => 'R$', 'MXN' => '$', 'SGD' => 'S$'
    ];
    return $symbols[$currencyCode] ?? '$';
}

/**
 * Format amount with currency symbol
 * 
 * @param float|int|string $amount The amount to format
 * @param string $currencyCode The currency code
 * @param int|null $decimals Number of decimal places (optional, uses currency defaults)
 * @param mysqli|null $db Database connection (optional)
 * @return string Formatted amount with currency symbol
 */
function formatCurrency($amount, $currencyCode, $decimals = null, $db = null) {
    // Try to use FxCalculator
    global $fxCalculator;
    
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        return $fxCalculator->formatAmount($amount, $currencyCode, $decimals);
    }
    
    // Get decimals from database if not provided
    if ($decimals === null && $db) {
        try {
            $stmt = $db->prepare("SELECT decimals FROM currency_data WHERE currency_code = ? AND is_active = 1");
            $stmt->bind_param('s', $currencyCode);
            $stmt->execute();
            $result = $stmt->get_result();
            if ($row = $result->fetch_assoc()) {
                $decimals = (int)$row['decimals'];
            }
        } catch (Exception $e) {
            error_log("Error getting decimals: " . $e->getMessage());
        }
    }
    
    $decimals = $decimals ?? 2;
    $symbol = getCurrencySymbol($currencyCode, $db);
    $formatted = number_format((float)$amount, $decimals);
    return $symbol . $formatted;
}

/**
 * Convert amount between currencies using MasterFxCalculator
 * 
 * @param float|int|string $amount The amount to convert
 * @param string $fromCurrency Source currency code
 * @param string $toCurrency Target currency code
 * @param mysqli|null $db Database connection (optional)
 * @return float Converted amount
 */
function convertCurrency($amount, $fromCurrency, $toCurrency, $db = null) {
    // If same currency, no conversion needed
    if ($fromCurrency === $toCurrency) {
        return (float)$amount;
    }
    
    // Try to use FxCalculator (most reliable)
    global $fxCalculator;
    
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        $rate = $fxCalculator->getRate($fromCurrency, $toCurrency);
        return (float)$amount * $rate;
    }
    
    // Fallback: query database directly
    if ($db) {
        $baseCurrency = getBaseCurrency($db);
        
        try {
            $stmt = $db->prepare("SELECT external_rates FROM currency_rates 
                                  WHERE base_currency = ? 
                                  ORDER BY last_updated DESC LIMIT 1");
            $stmt->bind_param('s', $baseCurrency);
            $stmt->execute();
            $result = $stmt->get_result();
            $row = $result->fetch_assoc();
            
            if ($row) {
                $rates = json_decode($row['external_rates'], true);
                
                if (isset($rates[$fromCurrency]) && isset($rates[$toCurrency])) {
                    $inBase = (float)$amount / $rates[$fromCurrency];
                    return $inBase * $rates[$toCurrency];
                }
            }
        } catch (Exception $e) {
            error_log("Error converting currency: " . $e->getMessage());
        }
    }
    
    // Ultimate fallback - return original amount
    error_log("Currency conversion failed, using original amount: $fromCurrency -> $toCurrency");
    return (float)$amount;
}

/**
 * Get base currency from database
 * 
 * @param mysqli|null $db Database connection (optional)
 * @return string Base currency code
 */
/**
 * Get base currency from database - SOURCE OF TRUTH: currency_settings table
 */
function getBaseCurrency($db = null) {
    static $baseCurrency = null;
    
    if ($baseCurrency !== null) {
        return $baseCurrency;
    }
    
    // Try to use MasterFxCalculator first (it now uses currency_settings)
    global $fxCalculator;
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        $baseCurrency = $fxCalculator->getBaseCurrency();
        return $baseCurrency;
    }
    
    // Direct database query if calculator not available
    if ($db) {
        try {
            // PRIMARY SOURCE: currency_settings
            $result = $db->query("SELECT base_currency FROM currency_settings WHERE id = 1");
            if ($result && $row = $result->fetch_assoc()) {
                $baseCurrency = $row['base_currency'];
                return $baseCurrency;
            }
            
            // FALLBACK: folrun_currency_settings
            $result = $db->query("SELECT base_currency FROM folrun_currency_settings WHERE id = 1");
            if ($result && $row = $result->fetch_assoc()) {
                $baseCurrency = $row['base_currency'];
                return $baseCurrency;
            }
        } catch (Exception $e) {
            error_log("Error getting base currency: " . $e->getMessage());
        }
    }
    
    $baseCurrency = defined('DEFAULT_BASE_CURRENCY') ? DEFAULT_BASE_CURRENCY : 'USD';
    return $baseCurrency;
}


/**
 * Get fee by key from database
 */
function getFeeByKey_XXX($feeKey, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    try {
        $stmt = $db->prepare("SELECT fee_value, fee_type FROM folrun_fee_settings 
                              WHERE fee_key = ? AND is_active = 1 LIMIT 1");
        if ($stmt) {
            $stmt->bind_param('s', $feeKey);
            $stmt->execute();
            $result = $stmt->get_result();
            return $result->fetch_assoc();
        }
    } catch (Exception $e) {
        error_log("Error getting fee by key: " . $e->getMessage());
    }
    
    return null;
}



/**
 * Get fee by transaction type, wallet type, and user role
 */
function getFeeByTransactionAndWallet($transactionType, $walletType, $userRole, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    try {
        $sql = "SELECT * FROM folrun_fee_settings 
                WHERE is_active = 1 
                AND (transaction_type = ? OR transaction_type = 'all')
                AND (wallet_type = ? OR wallet_type = 'all')
                AND (user_role = ? OR user_role = 'all')
                ORDER BY 
                    CASE WHEN transaction_type = ? THEN 1 ELSE 2 END,
                    CASE WHEN wallet_type = ? THEN 1 ELSE 2 END,
                    CASE WHEN user_role = ? THEN 1 ELSE 2 END
                LIMIT 1";
        
        $stmt = $db->prepare($sql);
        $stmt->bind_param('ssssss', $transactionType, $walletType, $userRole, $transactionType, $walletType, $userRole);
        $stmt->execute();
        $result = $stmt->get_result();
        return $result->fetch_assoc();
    } catch (Exception $e) {
        error_log("Error getting fee by transaction and wallet: " . $e->getMessage());
        return null;
    }
}



/**
 * Get admin currency from database
 * 
 * @param mysqli|null $db Database connection (optional)
 * @return string Admin currency code
 */
function getAdminCurrency($db = null) {
    static $adminCurrency = null;
    
    if ($adminCurrency !== null) {
        return $adminCurrency;
    }
    
    global $fxCalculator;
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        $adminCurrency = $fxCalculator->getAdminCurrency();
        return $adminCurrency;
    }
    
    if ($db) {
        try {
            $result = $db->query("SELECT default_admin_currency FROM currency_settings WHERE id = 1");
            if ($result && $row = $result->fetch_assoc()) {
                $adminCurrency = $row['default_admin_currency'];
                return $adminCurrency;
            }
            
            $result = $db->query("SELECT default_admin_currency FROM folrun_currency_settings WHERE id = 1");
            if ($result && $row = $result->fetch_assoc()) {
                $adminCurrency = $row['default_admin_currency'];
                return $adminCurrency;
            }
        } catch (Exception $e) {
            error_log("Error getting admin currency: " . $e->getMessage());
        }
    }
    
    $adminCurrency = defined('DEFAULT_ADMIN_CURRENCY') ? DEFAULT_ADMIN_CURRENCY : 'GHS';
    return $adminCurrency;
}

/**
 * Get all active currencies with rates
 * 
 * @param mysqli $db Database connection
 * @return array Array of currencies with their data and rates
 */
function getAllCurrenciesWithRates($db) {
    $baseCurrency = getBaseCurrency($db);
    $currencies = [];
    
    try {
        // Get currency data
        $result = $db->query("SELECT currency_code, symbol, name, decimals, fallback_rate 
                              FROM currency_data WHERE is_active = 1 
                              ORDER BY currency_code");
        if ($result) {
            while ($row = $result->fetch_assoc()) {
                $currencies[$row['currency_code']] = [
                    'name' => $row['name'],
                    'symbol' => $row['symbol'],
                    'decimals' => (int)$row['decimals'],
                    'fallback_rate' => (float)$row['fallback_rate']
                ];
            }
        }
        
        // Get current rates
        $stmt = $db->prepare("SELECT external_rates, internal_rates_from, internal_rates_to 
                              FROM currency_rates WHERE base_currency = ? 
                              ORDER BY last_updated DESC LIMIT 1");
        $stmt->bind_param('s', $baseCurrency);
        $stmt->execute();
        $result = $stmt->get_result();
        $row = $result->fetch_assoc();
        
        $externalRates = $row ? json_decode($row['external_rates'], true) : [];
        $internalFrom = $row ? json_decode($row['internal_rates_from'], true) : [];
        $internalTo = $row ? json_decode($row['internal_rates_to'], true) : [];
        
        foreach ($currencies as $code => &$data) {
            $data['rate'] = $externalRates[$code] ?? $data['fallback_rate'];
            $data['rate_from'] = $internalFrom[$code] ?? $data['rate'];
            $data['rate_to'] = $internalTo[$code] ?? $data['rate'];
            $data['base_currency'] = $baseCurrency;
        }
        
    } catch (Exception $e) {
        error_log("Error getting currencies with rates: " . $e->getMessage());
    }
    
    return $currencies;
}

/**
 * Get active currencies list (without rates)
 * 
 * @param mysqli $db Database connection
 * @return array Array of active currencies
 */
function getActiveCurrencies($db): array {
    $currencies = [];
    try {
        $result = $db->query("SELECT currency_code, symbol, name, decimals 
                              FROM currency_data WHERE is_active = 1 
                              ORDER BY currency_code");
        if ($result) {
            while ($row = $result->fetch_assoc()) {
                $currencies[$row['currency_code']] = [
                    'symbol' => $row['symbol'],
                    'name' => $row['name'],
                    'decimals' => (int)$row['decimals']
                ];
            }
        }
    } catch (Exception $e) {
        error_log("Error getting active currencies: " . $e->getMessage());
    }
    return $currencies;
}

/**
 * ============================================================================
 * FEE HELPERS
 * ============================================================================
 */

/**
 * Get fee structure for a specific transaction
 * 
 * @param mysqli $db Database connection
 * @param string $transaction_type Transaction type (deposit, withdrawal, etc.)
 * @param string $wallet_type Wallet type (funding, earnings, etc.)
 * @param float|int $amount Transaction amount
 * @param MasterFxCalculator|null $fxCalculator Optional FX calculator instance
 * @return array Fee breakdown
 */
function getTransactionFees($db, $transaction_type, $wallet_type, $amount, $fxCalculator = null) {
    $fees = [
        'fx_spread' => 0,
        'main_fee' => 0,
        'total' => 0
    ];
    
    try {
        // Get FX spread - try to use FxCalculator first
        if ($fxCalculator && $fxCalculator instanceof MasterFxCalculator) {
            $fees['fx_spread'] = $fxCalculator->getFee('fx_spread_nominal_perc', 0.05);
        } else {
            $sql = "SELECT fee_value FROM fee_settings 
                    WHERE fee_key = 'fx_spread' AND is_active = 1 LIMIT 1";
            $result = $db->query($sql);
            if ($result && $row = $result->fetch_assoc()) {
                $fees['fx_spread'] = (float)$row['fee_value'] / 100;
            } else {
                $fees['fx_spread'] = 0.05;
            }
        }
        
        // Get transaction-specific fee
        $sql = "SELECT * FROM fee_settings 
                WHERE (transaction_type = ? OR transaction_type = 'all')
                AND (wallet_type = ? OR wallet_type = 'all')
                AND is_active = 1
                ORDER BY 
                    CASE WHEN transaction_type = ? THEN 1 
                         WHEN transaction_type = 'all' THEN 3 
                         ELSE 2 END,
                    CASE WHEN wallet_type = ? THEN 1 
                         WHEN wallet_type = 'all' THEN 3 
                         ELSE 2 END
                LIMIT 1";
        $stmt = $db->prepare($sql);
        $stmt->bind_param('ssss', $transaction_type, $wallet_type, $transaction_type, $wallet_type);
        $stmt->execute();
        $feeSetting = $stmt->get_result()->fetch_assoc();
        
        if ($feeSetting) {
            if ($feeSetting['fee_type'] === 'flexible') {
                if ($amount < $feeSetting['threshold_amount']) {
                    $fees['main_fee'] = (float)$feeSetting['fixed_fee_value'];
                } else {
                    $fees['main_fee'] = $amount * ((float)$feeSetting['percentage_fee_value'] / 100);
                }
            } elseif ($feeSetting['fee_type'] === 'percentage') {
                $fees['main_fee'] = $amount * ((float)$feeSetting['fee_value'] / 100);
            } elseif ($feeSetting['fee_type'] === 'fixed') {
                $fees['main_fee'] = (float)$feeSetting['fee_value'];
            }
        } else {
            $fees['main_fee'] = $amount * 0.10; // Default 10%
        }
        
        $fees['total'] = ($amount * $fees['fx_spread']) + $fees['main_fee'];
        
    } catch (Exception $e) {
        error_log("Error getting fees: " . $e->getMessage());
        $fees['fx_spread'] = 0.05;
        $fees['main_fee'] = $amount * 0.10;
        $fees['total'] = ($amount * 0.05) + ($amount * 0.10);
    }
    
    return $fees;
}

/**
 * Get a specific fee by key
 * 
 * @param mysqli $db Database connection
 * @param string $feeKey The fee key to retrieve
 * @param mixed $default Default value if fee not found
 * @return mixed Fee value or array for flexible fees
 */
 
/*
function getFeeByKey($db, $feeKey, $default = 0) {
    try {
        $sql = "SELECT fee_value, fee_type, threshold_amount, fixed_fee_value, percentage_fee_value 
                FROM fee_settings 
                WHERE fee_key = ? AND is_active = 1 
                LIMIT 1";
        $stmt = $db->prepare($sql);
        $stmt->bind_param('s', $feeKey);
        $stmt->execute();
        $result = $stmt->get_result();
        $fee = $result->fetch_assoc();
        
        if ($fee) {
            if ($fee['fee_type'] === 'percentage') {
                return (float)$fee['fee_value'] / 100;
            } elseif ($fee['fee_type'] === 'fixed') {
                return (float)$fee['fee_value'];
            } elseif ($fee['fee_type'] === 'flexible') {
                return [
                    'type' => 'flexible',
                    'threshold' => (float)$fee['threshold_amount'],
                    'fixed_fee' => (float)$fee['fixed_fee_value'],
                    'percentage_fee' => (float)$fee['percentage_fee_value']
                ];
            }
        }
    } catch (Exception $e) {
        error_log("Error getting fee by key: " . $e->getMessage());
    }
    return $default;
}
*/



/**
 * Get all active fees
 * 
 * @param mysqli $db Database connection
 * @return array Array of all active fees
 */
function getAllFees($db): array {
    $fees = [];
    try {
        $result = $db->query("SELECT * FROM fee_settings WHERE is_active = 1 ORDER BY sort_order");
        if ($result) {
            while ($row = $result->fetch_assoc()) {
                $fees[] = $row;
            }
        }
    } catch (Exception $e) {
        error_log("Error getting all fees: " . $e->getMessage());
    }
    return $fees;
}

/**
 * ============================================================================
 * USER CURRENCY HELPERS
 * ============================================================================
 */

/**
 * Get user's effective currency
 * 
 * @param int $user_id User ID
 * @param mysqli|null $db Database connection (optional)
 * @return string User's currency code
 */
function getUserCurrency($user_id, $db = null) {
    static $cache = [];
    
    if (isset($cache[$user_id])) {
        return $cache[$user_id];
    }
    
    // Try to use UserManager if available
    global $userManager;
    if (isset($userManager) && $userManager instanceof UserManager) {
        $user = $userManager->getUser($user_id);
        if ($user && isset($user['currency_code'])) {
            $cache[$user_id] = $user['currency_code'];
            return $cache[$user_id];
        }
    }
    
    // Query database directly
    if ($db) {
        try {
            $stmt = $db->prepare("SELECT currency_code FROM users WHERE id = ?");
            $stmt->bind_param('i', $user_id);
            $stmt->execute();
            $result = $stmt->get_result();
            if ($row = $result->fetch_assoc()) {
                $cache[$user_id] = $row['currency_code'];
                return $cache[$user_id];
            }
        } catch (Exception $e) {
            error_log("Error getting user currency: " . $e->getMessage());
        }
    }
    
    // Default fallback
    return defined('DEFAULT_USER_CURRENCY') ? DEFAULT_USER_CURRENCY : 'NGN';
}

/**
 * Update user's currency
 * 
 * @param int $user_id User ID
 * @param string $newCurrency New currency code
 * @param mysqli $db Database connection
 * @return bool True on success, false on failure
 */
function updateUserCurrency($user_id, $newCurrency, $db) {
    try {
        $stmt = $db->prepare("UPDATE users SET currency_code = ? WHERE id = ?");
        $stmt->bind_param('si', $newCurrency, $user_id);
        return $stmt->execute();
    } catch (Exception $e) {
        error_log("Error updating user currency: " . $e->getMessage());
        return false;
    }
}

/**
 * ============================================================================
 * UTILITY FUNCTIONS
 * ============================================================================
 */

/**
 * Calculate exchange rate impact (for display)
 * 
 * @param string $fromCurrency Source currency
 * @param string $toCurrency Target currency
 * @param float|int $amount Amount to convert
 * @param mysqli|null $db Database connection (optional)
 * @return array Exchange rate impact details
 */
function getExchangeRateImpact($fromCurrency, $toCurrency, $amount, $db = null) {
    $rate = convertCurrency(1, $fromCurrency, $toCurrency, $db);
    $result = $amount * $rate;
    
    return [
        'rate' => $rate,
        'original' => $amount,
        'converted' => $result,
        'formatted_original' => formatCurrency($amount, $fromCurrency, null, $db),
        'formatted_converted' => formatCurrency($result, $toCurrency, null, $db)
    ];
}

/**
 * Format amount in multiple currencies
 * 
 * @param float|int $amount Amount to format
 * @param array $currencies Array of currency codes
 * @param mysqli|null $db Database connection (optional)
 * @return array Formatted amounts by currency
 */
function formatMultiCurrency($amount, $currencies, $db = null) {
    $result = [];
    foreach ($currencies as $currency) {
        $result[$currency] = formatCurrency($amount, $currency, null, $db);
    }
    return $result;
}

/**
 * Validate currency code
 * 
 * @param string $currencyCode Currency code to validate
 * @param mysqli|null $db Database connection (optional)
 * @return bool True if currency is valid and active
 */
function isValidCurrency($currencyCode, $db = null) {
    if ($db) {
        try {
            $stmt = $db->prepare("SELECT id FROM currency_data WHERE currency_code = ? AND is_active = 1");
            $stmt->bind_param('s', $currencyCode);
            $stmt->execute();
            return $stmt->get_result()->num_rows > 0;
        } catch (Exception $e) {
            error_log("Error validating currency: " . $e->getMessage());
        }
    }
    
    $validCurrencies = ['USD', 'EUR', 'GBP', 'NGN', 'GHS', 'KES', 'ZAR', 'CNY'];
    return in_array(strtoupper($currencyCode), $validCurrencies);
}

/**
 * Get currency data for display
 * 
 * @param string $currencyCode Currency code
 * @param mysqli|null $db Database connection (optional)
 * @return array Currency display data
 */
function getCurrencyDisplayData($currencyCode, $db = null) {
    global $fxCalculator;
    
    if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
        $data = $fxCalculator->getCurrencyDataFromDb($currencyCode);
        return [
            'code' => $currencyCode,
            'symbol' => $data['symbol'] ?? '$',
            'name' => $data['name'] ?? $currencyCode,
            'decimals' => $data['decimals'] ?? 2
        ];
    }
    
    if ($db) {
        try {
            $stmt = $db->prepare("SELECT symbol, name, decimals FROM currency_data WHERE currency_code = ? AND is_active = 1");
            $stmt->bind_param('s', $currencyCode);
            $stmt->execute();
            $result = $stmt->get_result();
            if ($row = $result->fetch_assoc()) {
                return [
                    'code' => $currencyCode,
                    'symbol' => $row['symbol'],
                    'name' => $row['name'],
                    'decimals' => (int)$row['decimals']
                ];
            }
        } catch (Exception $e) {
            error_log("Error getting currency display data: " . $e->getMessage());
        }
    }
    
    return [
        'code' => $currencyCode,
        'symbol' => getCurrencySymbol($currencyCode),
        'name' => $currencyCode,
        'decimals' => 2
    ];
}


/**
 * Get minimum deposit amount for a user based on their role
 * Returns amount in the system base currency (from database)
 * 
 * @param int $user_id User ID
 * @param mysqli|null $db Database connection
 * @return float Minimum deposit amount in system base currency (0 = no limit)
 */
function getMinimumDepositForUser($user_id, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 2.00;
    }
    
    // Get user's role
    $sql = "SELECT role FROM users WHERE id = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 2.00;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $user = $result->fetch_assoc();
    
    if (!$user) {
        return 2.00;
    }
    
    $role = $user['role'];
    
    // Get limits for this role (amounts are in system base currency)
    $sql = "SELECT min_deposit_base FROM transaction_limits 
            WHERE role = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 2.00;
    }
    $stmt->bind_param('s', $role);
    $stmt->execute();
    $result = $stmt->get_result();
    $limit = $result->fetch_assoc();
    
    // Return 0 if no limit found (meaning no minimum)
    return $limit ? (float)$limit['min_deposit_base'] : 0;
}


/**
 * Get maximum deposit amount for a user based on their role
 * 
 * @param int $user_id User ID
 * @param mysqli|null $db Database connection
 * @return float Maximum deposit amount (0 = no limit)
 */
function getMaximumDepositForUser($user_id, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 0;
    }
    
    $sql = "SELECT role FROM users WHERE id = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $user = $result->fetch_assoc();
    
    if (!$user) {
        return 0;
    }
    
    $role = $user['role'];
    
    $sql = "SELECT max_deposit_base FROM transaction_limits WHERE role = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('s', $role);
    $stmt->execute();
    $result = $stmt->get_result();
    $limit = $result->fetch_assoc();
    
    return $limit ? (float)$limit['max_deposit_base'] : 0;
}




/**
 * Get minimum withdrawal amount for a user based on their role
 * 
 * @param int $user_id User ID
 * @param string|null $currency Currency to return the amount in
 * @param mysqli|null $db Database connection
 * @return float Minimum withdrawal amount
 */
function getMinimumWithdrawalForUser($user_id, $currency = null, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 2.00;
    }
    
    $sql = "SELECT role FROM users WHERE id = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 2.00;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $user = $result->fetch_assoc();
    
    if (!$user) {
        return 2.00;
    }
    
    $role = $user['role'];
    
    $sql = "SELECT min_withdrawal_base FROM transaction_limits 
            WHERE (role = ? OR role IS NULL)
            ORDER BY CASE WHEN role = ? THEN 0 ELSE 1 END
            LIMIT 1";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 2.00;
    }
    $stmt->bind_param('ss', $role, $role);
    $stmt->execute();
    $result = $stmt->get_result();
    $limit = $result->fetch_assoc();
    
    $minWithdrawalBase = $limit ? (float)$limit['min_withdrawal_base'] : 2.00;
    
    if ($currency !== null) {
        global $fxCalculator;
        if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
            return $fxCalculator->convert($minWithdrawalBase, 'USD', $currency);
        }
    }
    
    return $minWithdrawalBase;
}


/**
 * Get daily deposit limit for a user based on their role
 * 
 * @param int $user_id User ID
 * @param mysqli|null $db Database connection
 * @return float Daily deposit limit (0 = no limit)
 */
function getDailyDepositLimitForUser($user_id, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 0;
    }
    
    $sql = "SELECT role FROM users WHERE id = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $user = $result->fetch_assoc();
    
    if (!$user) {
        return 0;
    }
    
    $role = $user['role'];
    
    $sql = "SELECT daily_deposit_limit_base FROM transaction_limits WHERE role = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('s', $role);
    $stmt->execute();
    $result = $stmt->get_result();
    $limit = $result->fetch_assoc();
    
    return $limit ? (float)$limit['daily_deposit_limit_base'] : 0;
}



/**
 * Get daily withdrawal limit for a user based on their role
 * CORRECTED: Uses 'daily_withdrawal_limit_base' column
 * 
 * @param int $user_id User ID
 * @param string|null $currency Currency to return the amount in
 * @param mysqli|null $db Database connection
 * @return float Daily withdrawal limit (0 = no limit)
 */
function getDailyWithdrawalLimitForUser($user_id, $currency = null, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 0;
    }
    
    $sql = "SELECT role FROM users WHERE id = ?";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $user = $result->fetch_assoc();
    
    if (!$user) {
        return 0;
    }
    
    $role = $user['role'];
    
    // CORRECTED: Use 'daily_withdrawal_limit_base' column
    $sql = "SELECT daily_withdrawal_limit_base FROM transaction_limits 
            WHERE (role = ? OR role IS NULL)
            ORDER BY CASE WHEN role = ? THEN 0 ELSE 1 END
            LIMIT 1";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return 0;
    }
    $stmt->bind_param('ss', $role, $role);
    $stmt->execute();
    $result = $stmt->get_result();
    $limit = $result->fetch_assoc();
    
    $dailyLimitBase = $limit ? (float)$limit['daily_withdrawal_limit_base'] : 0;
    
    if ($currency !== null && $dailyLimitBase > 0) {
        global $fxCalculator;
        if (isset($fxCalculator) && $fxCalculator instanceof MasterFxCalculator) {
            return $fxCalculator->convert($dailyLimitBase, 'USD', $currency);
        }
    }
    
    return $dailyLimitBase;
}



/**
 * Get formatted minimum deposit string for display
 * 
 * @param int $user_id User ID
 * @param string $userCurrency User's currency code
 * @param mysqli|null $db Database connection
 * @return string Formatted minimum deposit string
 */
function getFormattedMinimumDeposit($user_id, $userCurrency, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    global $fxCalculator;
    
    $minInBase = getMinimumDepositForUser($user_id, null, $db);
    $minInUserCurrency = $fxCalculator->convert($minInBase, 'USD', $userCurrency);
    
    return $fxCalculator->formatAmount($minInUserCurrency, $userCurrency);
}





/**
 * Get remaining daily deposit allowance in system base currency
 * 
 * @param int $user_id User ID
 * @param mysqli|null $db Database connection
 * @return float Remaining daily deposit amount in system base currency
 */
function getRemainingDailyDepositAllowance($user_id, $db = null) {
    if ($db === null) {
        global $db;
    }
    
    if (!$db) {
        return 0;
    }
    
    $dailyLimit = getDailyDepositLimitForUser($user_id, $db);
    
    // If no daily limit, return a large number
    if ($dailyLimit <= 0) {
        return 99999999.00;
    }
    
    // Get today's total deposits (in system base currency)
    $sql = "SELECT COALESCE(SUM(gross_amount_base_curr), 0) as today_deposits 
            FROM all_transactions 
            WHERE user_id = ? 
            AND transaction_type = 'credit' 
            AND DATE(date_created) = CURDATE()
            AND status IN ('pending', 'processing', 'successful')";
    $stmt = $db->prepare($sql);
    if (!$stmt) {
        return $dailyLimit;
    }
    $stmt->bind_param('i', $user_id);
    $stmt->execute();
    $result = $stmt->get_result();
    $row = $result->fetch_assoc();
    
    $todayDeposits = (float)($row['today_deposits'] ?? 0);
    
    return max(0, $dailyLimit - $todayDeposits);
}<!DOCTYPE html>
<html lang="en">
<head>
    <meta charset="UTF-8">
    <meta name="viewport" content="width=device-width, initial-scale=1.0">
    <title>Terms of Service - GigzSocial</title>
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    <nav class="navbar navbar-expand-lg navbar-dark bg-dark">
    <div class="container">
        <a class="navbar-brand" href="https://globalwebsite.name.ng/gigz/public/">
            <img src="https://globalwebsite.name.ng/gigz/public/assets/images/logo.svg" alt="GigzSocial" height="30">
            GigzSocial
        </a>
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                       href="https://globalwebsite.name.ng/gigz/public/">
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                    <a class="nav-link " 
                       href="https://globalwebsite.name.ng/gigz/public/about">
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                </li>
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                    <a class="nav-link " 
                       href="https://globalwebsite.name.ng/gigz/public/faq">
                        FAQ
                    </a>
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                       href="https://globalwebsite.name.ng/gigz/public/contact">
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                                    <li class="nav-item">
                        <a class="nav-link " 
                           href="https://globalwebsite.name.ng/gigz/public/login">
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                           href="https://globalwebsite.name.ng/gigz/public/register">
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    </div>
</nav>    
    <div class="container py-5">
        <div class="row">
            <div class="col-lg-8 mx-auto">
                <h1 class="mb-4">Terms of Service</h1>
                <p class="text-muted">Last updated: June 10, 2026</p>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>1. Acceptance of Terms</h4>
                        <p>By accessing or using GigzSocial ("the Platform"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Platform.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>2. Eligibility</h4>
                        <p>You must be at least 18 years old to use this Platform. By using the Platform, you represent and warrant that you are 18 years or older.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>3. Account Registration</h4>
                        <p>You are responsible for maintaining the confidentiality of your account credentials. You are fully responsible for all activities that occur under your account.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>4. Financial Transactions</h4>
                        <p>All financial transactions are subject to our fee structure. By using our services, you agree to pay all applicable fees. Fees are non-refundable except as required by law.</p>
                        
                        <h5 class="mt-3">4.1 Deposits</h5>
                        <p>Deposits are processed according to our banking standard formula. Funds will be credited to your wallet after confirmation of payment.</p>
                        
                        <h5 class="mt-3">4.2 Withdrawals</h5>
                        <p>Withdrawals are subject to verification and approval. Minimum withdrawal amounts apply. Processing times may vary.</p>
                        
                        <h5 class="mt-3">4.3 Fees</h5>
                        <p>Current fee structure:</p>
                        <ul>
                            <li>FX Spread: 5%</li>
                            <li>Service Fee: 10%</li>
                            <li>Currency Change Fee: 5%</li>
                        </ul>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>5. KYC Verification</h4>
                        <p>We may require identity verification for certain transactions. You agree to provide accurate information and documents for verification purposes.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>6. Prohibited Activities</h4>
                        <p>You agree not to:</p>
                        <ul>
                            <li>Use the Platform for any illegal purpose</li>
                            <li>Attempt to gain unauthorized access to the Platform</li>
                            <li>Engage in fraudulent activities</li>
                            <li>Violate any applicable laws or regulations</li>
                            <li>Interfere with the proper functioning of the Platform</li>
                        </ul>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>7. Limitation of Liability</h4>
                        <p>To the maximum extent permitted by law, GigzSocial shall not be liable for any indirect, incidental, special, consequential, or punitive damages.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>8. Changes to Terms</h4>
                        <p>We reserve the right to modify these terms at any time. Continued use of the Platform after changes constitutes acceptance of the new terms.</p>
                    </div>
                </div>
                
                <div class="card mb-4">
                    <div class="card-body">
                        <h4>9. Contact Information</h4>
                        <p>For questions about these Terms, please contact:</p>
                        <p>Email: legal@gigzsocial.com</p>
                    </div>
                </div>
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    <div class="container">
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            <div class="col-md-4">
                <h5>GigzSocial</h5>
                <p>Empowering creators and connecting communities through social content sharing.</p>
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            <div class="col-md-2">
                <h6>Quick Links</h6>
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                    <li><a href="https://globalwebsite.name.ng/gigz/public/about" class="text-white-50">About</a></li>
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                <h6>Connect With Us</h6>
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            <small>&copy; 2026 GigzSocial. All rights reserved.</small>
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