diff --git a/app/modules/loyalty/locales/de.json b/app/modules/loyalty/locales/de.json
index 9b6c5f9e..4b270028 100644
--- a/app/modules/loyalty/locales/de.json
+++ b/app/modules/loyalty/locales/de.json
@@ -405,7 +405,10 @@
       "logo_url_help": "Erforderlich für Google Wallet-Integration. Muss eine öffentlich zugängliche Bild-URL sein (PNG oder JPG).",
       "hero_image_url": "Hintergrundbild-URL",
       "terms_privacy": "AGB & Datenschutz",
-      "terms_conditions": "Allgemeine Geschäftsbedingungen",
+      "terms_cms_page": "CMS-Seiten-Slug",
+      "terms_cms_page_hint": "Geben Sie einen CMS-Seiten-Slug ein (z.B. agb) um die vollständigen AGB aus dem CMS-Modul anzuzeigen",
+      "terms_conditions": "Allgemeine Geschäftsbedingungen (Fallback)",
+      "terms_fallback_hint": "Wird verwendet wenn kein CMS-Slug gesetzt ist",
       "privacy_policy_url": "Datenschutzrichtlinien-URL",
       "program_status": "Programmstatus",
       "program_active": "Programm aktiv",
diff --git a/app/modules/loyalty/locales/en.json b/app/modules/loyalty/locales/en.json
index 949eecdd..bee41b67 100644
--- a/app/modules/loyalty/locales/en.json
+++ b/app/modules/loyalty/locales/en.json
@@ -405,7 +405,10 @@
       "logo_url_help": "Required for Google Wallet integration. Must be a publicly accessible image URL (PNG or JPG).",
       "hero_image_url": "Hero Image URL",
       "terms_privacy": "Terms & Privacy",
-      "terms_conditions": "Terms & Conditions",
+      "terms_cms_page": "CMS Page Slug",
+      "terms_cms_page_hint": "Enter a CMS page slug (e.g. terms-and-conditions) to display full T&C from the CMS module",
+      "terms_conditions": "Terms & Conditions (fallback)",
+      "terms_fallback_hint": "Used when no CMS page slug is set",
       "privacy_policy_url": "Privacy Policy URL",
       "program_status": "Program Status",
       "program_active": "Program Active",
diff --git a/app/modules/loyalty/locales/fr.json b/app/modules/loyalty/locales/fr.json
index 27a1969e..c5f3a92c 100644
--- a/app/modules/loyalty/locales/fr.json
+++ b/app/modules/loyalty/locales/fr.json
@@ -405,7 +405,10 @@
       "logo_url_help": "Requis pour l'intégration Google Wallet. Doit être une URL d'image publique (PNG ou JPG).",
       "hero_image_url": "URL de l'image principale",
       "terms_privacy": "Conditions & Confidentialité",
-      "terms_conditions": "Conditions Générales",
+      "terms_cms_page": "Slug de page CMS",
+      "terms_cms_page_hint": "Entrez un slug de page CMS (ex. conditions-generales) pour afficher les CGV complètes depuis le module CMS",
+      "terms_conditions": "Conditions Générales (secours)",
+      "terms_fallback_hint": "Utilisé quand aucun slug CMS n'est défini",
       "privacy_policy_url": "URL politique de confidentialité",
       "program_status": "Statut du programme",
       "program_active": "Programme actif",
diff --git a/app/modules/loyalty/locales/lb.json b/app/modules/loyalty/locales/lb.json
index 0c4e0ab0..3cd43b3d 100644
--- a/app/modules/loyalty/locales/lb.json
+++ b/app/modules/loyalty/locales/lb.json
@@ -405,7 +405,10 @@
       "logo_url_help": "Erfuerderlech fir Google Wallet-Integratioun. Muss eng ëffentlech zougänglech Bild-URL sinn (PNG oder JPG).",
       "hero_image_url": "Hannergrondbild-URL",
       "terms_privacy": "AGB & Dateschutz",
-      "terms_conditions": "Allgemeng Geschäftsbedingungen",
+      "terms_cms_page": "CMS-Säiten-Slug",
+      "terms_cms_page_hint": "Gitt e CMS-Säiten-Slug an (z.B. agb) fir déi komplett AGB vum CMS-Modul unzeweisen",
+      "terms_conditions": "Allgemeng Geschäftsbedingungen (Fallback)",
+      "terms_fallback_hint": "Gëtt benotzt wann keen CMS-Slug gesat ass",
       "privacy_policy_url": "Dateschutzrichtlinn-URL",
       "program_status": "Programmstatus",
       "program_active": "Programm aktiv",
diff --git a/app/modules/loyalty/migrations/versions/loyalty_006_add_terms_cms_page_slug.py b/app/modules/loyalty/migrations/versions/loyalty_006_add_terms_cms_page_slug.py
new file mode 100644
index 00000000..3917d5d5
--- /dev/null
+++ b/app/modules/loyalty/migrations/versions/loyalty_006_add_terms_cms_page_slug.py
@@ -0,0 +1,35 @@
+"""loyalty 006 - add terms_cms_page_slug to loyalty_programs
+
+Allows linking a loyalty program's T&C to a CMS page instead of
+using the simple terms_text field. When set, the enrollment page
+resolves the slug to a full CMS page. The legacy terms_text is
+kept as a fallback for existing programs.
+
+Revision ID: loyalty_006
+Revises: loyalty_005
+Create Date: 2026-04-11
+"""
+import sqlalchemy as sa
+
+from alembic import op
+
+revision = "loyalty_006"
+down_revision = "loyalty_005"
+branch_labels = None
+depends_on = None
+
+
+def upgrade() -> None:
+    op.add_column(
+        "loyalty_programs",
+        sa.Column(
+            "terms_cms_page_slug",
+            sa.String(200),
+            nullable=True,
+            comment="CMS page slug for full T&C content (overrides terms_text when set)",
+        ),
+    )
+
+
+def downgrade() -> None:
+    op.drop_column("loyalty_programs", "terms_cms_page_slug")
diff --git a/app/modules/loyalty/models/loyalty_program.py b/app/modules/loyalty/models/loyalty_program.py
index 8108247b..b1b1ec2e 100644
--- a/app/modules/loyalty/models/loyalty_program.py
+++ b/app/modules/loyalty/models/loyalty_program.py
@@ -227,7 +227,12 @@ class LoyaltyProgram(Base, TimestampMixin, SoftDeleteMixin):
     terms_text = Column(
         Text,
         nullable=True,
-        comment="Loyalty program terms and conditions",
+        comment="Loyalty program terms and conditions (legacy — use terms_cms_page_slug when available)",
+    )
+    terms_cms_page_slug = Column(
+        String(200),
+        nullable=True,
+        comment="CMS page slug for full T&C content (overrides terms_text when set)",
     )
     privacy_url = Column(
         String(500),
diff --git a/app/modules/loyalty/schemas/program.py b/app/modules/loyalty/schemas/program.py
index 774bd665..b8bab56f 100644
--- a/app/modules/loyalty/schemas/program.py
+++ b/app/modules/loyalty/schemas/program.py
@@ -110,7 +110,8 @@ class ProgramCreate(BaseModel):
     hero_image_url: str | None = Field(None, max_length=500, description="Hero image URL")
 
     # Terms
-    terms_text: str | None = Field(None, description="Terms and conditions")
+    terms_text: str | None = Field(None, description="Terms and conditions (legacy)")
+    terms_cms_page_slug: str | None = Field(None, max_length=200, description="CMS page slug for T&C")
     privacy_url: str | None = Field(None, max_length=500, description="Privacy policy URL")
 
 
@@ -155,6 +156,7 @@ class ProgramUpdate(BaseModel):
 
     # Terms
     terms_text: str | None = None
+    terms_cms_page_slug: str | None = Field(None, max_length=200)
     privacy_url: str | None = Field(None, max_length=500)
 
     # Wallet integration
@@ -202,6 +204,7 @@ class ProgramResponse(BaseModel):
 
     # Terms
     terms_text: str | None = None
+    terms_cms_page_slug: str | None = None
     privacy_url: str | None = None
 
     # Wallet
diff --git a/app/modules/loyalty/static/storefront/js/loyalty-enroll.js b/app/modules/loyalty/static/storefront/js/loyalty-enroll.js
index 8ad2e834..c532cf5a 100644
--- a/app/modules/loyalty/static/storefront/js/loyalty-enroll.js
+++ b/app/modules/loyalty/static/storefront/js/loyalty-enroll.js
@@ -27,10 +27,26 @@ function customerLoyaltyEnroll() {
         enrolledCard: null,
         error: null,
         showTerms: false,
+        termsHtml: null,
 
         async init() {
             loyaltyEnrollLog.info('Customer loyalty enroll initializing...');
             await this.loadProgram();
+            // Load CMS T&C content if a page slug is configured
+            if (this.program?.terms_cms_page_slug) {
+                this.loadTermsFromCms(this.program.terms_cms_page_slug);
+            }
+        },
+
+        async loadTermsFromCms(slug) {
+            try {
+                const response = await apiClient.get(`/storefront/cms/pages/${slug}`);
+                if (response?.content_html) {
+                    this.termsHtml = response.content_html;
+                }
+            } catch (e) {
+                loyaltyEnrollLog.warn('Could not load CMS T&C page:', e.message);
+            }
         },
 
         async loadProgram() {
diff --git a/app/modules/loyalty/templates/loyalty/shared/program-form.html b/app/modules/loyalty/templates/loyalty/shared/program-form.html
index b8167cef..23a87c5a 100644
--- a/app/modules/loyalty/templates/loyalty/shared/program-form.html
+++ b/app/modules/loyalty/templates/loyalty/shared/program-form.html
@@ -247,9 +247,11 @@
     </h3>
     <div class="grid gap-6 md:grid-cols-2">
         <div>
-            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">{{ _('loyalty.shared.program_form.terms_conditions') }}</label>
-            <textarea x-model="settings.terms_text" rows="3"
-                      class="w-full px-4 py-2 text-sm border border-gray-300 dark:border-gray-600 rounded-lg focus:border-purple-400 focus:outline-none dark:bg-gray-700 dark:text-gray-300"></textarea>
+            <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">{{ _('loyalty.shared.program_form.terms_cms_page') }}</label>
+            <input type="text" x-model="settings.terms_cms_page_slug" maxlength="200"
+                   placeholder="e.g. terms-and-conditions"
+                   class="w-full px-4 py-2 text-sm border border-gray-300 dark:border-gray-600 rounded-lg focus:border-purple-400 focus:outline-none dark:bg-gray-700 dark:text-gray-300">
+            <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">{{ _('loyalty.shared.program_form.terms_cms_page_hint') }}</p>
         </div>
         <div>
             <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">{{ _('loyalty.shared.program_form.privacy_policy_url') }}</label>
@@ -257,6 +259,12 @@
                    class="w-full px-4 py-2 text-sm border border-gray-300 dark:border-gray-600 rounded-lg focus:border-purple-400 focus:outline-none dark:bg-gray-700 dark:text-gray-300">
         </div>
     </div>
+    <div class="mt-4">
+        <label class="block text-sm font-medium text-gray-700 dark:text-gray-300 mb-2">{{ _('loyalty.shared.program_form.terms_conditions') }}</label>
+        <textarea x-model="settings.terms_text" rows="3"
+                  placeholder="{{ _('loyalty.shared.program_form.terms_fallback_hint') }}"
+                  class="w-full px-4 py-2 text-sm border border-gray-300 dark:border-gray-600 rounded-lg focus:border-purple-400 focus:outline-none dark:bg-gray-700 dark:text-gray-300"></textarea>
+    </div>
 </div>
 
 <!-- Program Status -->
diff --git a/app/modules/loyalty/templates/loyalty/storefront/enroll.html b/app/modules/loyalty/templates/loyalty/storefront/enroll.html
index 7f4865ae..62f7fe12 100644
--- a/app/modules/loyalty/templates/loyalty/storefront/enroll.html
+++ b/app/modules/loyalty/templates/loyalty/storefront/enroll.html
@@ -96,10 +96,10 @@
                                style="color: var(--color-primary)">
                         <span class="ml-2 text-sm text-gray-600 dark:text-gray-400">
                             {{ _('loyalty.enrollment.form.terms_agree') }}
-                            <template x-if="program?.terms_text">
+                            <template x-if="program?.terms_text || program?.terms_cms_page_slug">
                                 <a href="#" @click.prevent="showTerms = true" class="underline" style="color: var(--color-primary)">{{ _('loyalty.enrollment.form.terms') }}</a>
                             </template>
-                            <template x-if="!program?.terms_text">
+                            <template x-if="!program?.terms_text && !program?.terms_cms_page_slug">
                                 <span class="underline" style="color: var(--color-primary)">{{ _('loyalty.enrollment.form.terms') }}</span>
                             </template>
                         </span>
@@ -137,9 +137,6 @@
     </div>
 </div>
 
-{# TODO: Rework T&C strategy - current approach (small text field on program model) won't scale
-   for full legal T&C. Options: (1) leverage the CMS module to host T&C pages, or
-   (2) create a dedicated T&C page within the loyalty module. Decision pending. #}
 <!-- Terms & Conditions Modal -->
 <div x-show="showTerms" x-cloak
      role="dialog" aria-modal="true" aria-labelledby="terms-modal-title"
@@ -153,7 +150,9 @@
                 <span x-html="$icon('x-mark', 'w-5 h-5')"></span>
             </button>
         </div>
-        <div class="p-4 overflow-y-auto text-sm text-gray-700 dark:text-gray-300 whitespace-pre-line" x-text="program?.terms_text"></div>
+        {# CMS page content takes priority over legacy terms_text #}
+        <div x-show="termsHtml" class="p-4 overflow-y-auto text-sm text-gray-700 dark:text-gray-300 prose dark:prose-invert max-w-none" x-html="termsHtml"></div>
+        <div x-show="!termsHtml && program?.terms_text" class="p-4 overflow-y-auto text-sm text-gray-700 dark:text-gray-300 whitespace-pre-line" x-text="program?.terms_text"></div>
         <template x-if="program?.privacy_url">
             <div class="px-4 pb-2">
                 <a :href="program.privacy_url" target="_blank" class="text-sm underline" style="color: var(--color-primary)">{{ _('loyalty.enrollment.privacy_policy') }}</a>