diff --git a/app/modules/loyalty/locales/de.json b/app/modules/loyalty/locales/de.json
index 24c2a3bb..61fb24c8 100644
--- a/app/modules/loyalty/locales/de.json
+++ b/app/modules/loyalty/locales/de.json
@@ -411,6 +411,9 @@
             "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",
+            "terms_text_hint": "Klartext-Fallback. Entweder dieses Feld ODER der CMS-Seiten-Slug oben ist erforderlich, damit Kunden die AGB auf der Anmeldeseite lesen können.",
+            "terms_required_warning": "Kunden müssen Ihre AGB lesen können, bevor sie diese akzeptieren. Füllen Sie entweder den CMS-Seiten-Slug oben oder den Klartext-Fallback unten aus — bis dahin ist der \"AGB\"-Link auf der Anmeldeseite des Storefronts nicht klickbar.",
+            "terms_required_tooltip": "Füllen Sie den CMS-Slug oder den Klartext der AGB aus, bevor Sie speichern.",
             "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 5bed301e..631f3cec 100644
--- a/app/modules/loyalty/locales/en.json
+++ b/app/modules/loyalty/locales/en.json
@@ -415,6 +415,9 @@
             "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",
+            "terms_text_hint": "Plain-text fallback. Either this field OR the CMS page slug above is required so customers can read the terms on the enrollment page.",
+            "terms_required_warning": "Customers must be able to read your terms before accepting them. Fill in either the CMS page slug above or the plain-text fallback below — until you do, the 'Terms & Conditions' link on the storefront enrollment page is not clickable.",
+            "terms_required_tooltip": "Fill in either the CMS page slug or the plain-text terms before saving.",
             "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 5102fe43..7ea73081 100644
--- a/app/modules/loyalty/locales/fr.json
+++ b/app/modules/loyalty/locales/fr.json
@@ -411,6 +411,9 @@
             "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",
+            "terms_text_hint": "Texte de secours. Ce champ OU le slug CMS ci-dessus est requis afin que les clients puissent lire les conditions sur la page d'inscription.",
+            "terms_required_warning": "Les clients doivent pouvoir lire vos conditions avant de les accepter. Remplissez soit le slug de page CMS ci-dessus, soit le texte de secours ci-dessous — tant que ce n'est pas fait, le lien « Conditions Générales » sur la page d'inscription du storefront n'est pas cliquable.",
+            "terms_required_tooltip": "Remplissez le slug CMS ou le texte des conditions avant d'enregistrer.",
             "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 f56c67ab..95f61476 100644
--- a/app/modules/loyalty/locales/lb.json
+++ b/app/modules/loyalty/locales/lb.json
@@ -411,6 +411,9 @@
             "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",
+            "terms_text_hint": "Plain-Text-Ersatz. Entweder dëst Feld ODER de CMS-Säit-Slug uewendriwwer ass erfuerderlech, fir datt Clienten d'AGB op der Aschreiwungssäit liesen kënnen.",
+            "terms_required_warning": "Clienten musse fäeg sinn Är AGB ze liese ier se se akzeptéieren. Fëllt entweder de CMS-Säit-Slug uewendriwwer oder de Plain-Text-Ersatz hei drënner aus — bis dat gemaach ass, ass de \"AGB\"-Link op der Aschreiwungssäit vum Storefront net cliquéierbar.",
+            "terms_required_tooltip": "Fëllt de CMS-Slug oder den AGB-Plain-Text aus ier Dir späichert.",
             "privacy_policy_url": "Dateschutzrichtlinn-URL",
             "program_status": "Programmstatus",
             "program_active": "Programm aktiv",
diff --git a/app/modules/loyalty/templates/loyalty/shared/program-form.html b/app/modules/loyalty/templates/loyalty/shared/program-form.html
index 23a87c5a..ef9ca121 100644
--- a/app/modules/loyalty/templates/loyalty/shared/program-form.html
+++ b/app/modules/loyalty/templates/loyalty/shared/program-form.html
@@ -245,6 +245,22 @@
         <span x-html="$icon('document-text', 'inline w-5 h-5 mr-2')"></span>
         {{ _('loyalty.shared.program_form.terms_privacy') }}
     </h3>
+
+    {# Warning banner — visible only when neither terms field is filled.
+       The storefront enrollment page renders the "Terms & Conditions" link
+       as a non-clickable <span> in that case (see enroll.html:122-124),
+       so customers can't read the terms before accepting. #}
+    <template x-if="!settings.terms_text && !settings.terms_cms_page_slug">
+        <div class="mb-4 px-4 py-3 rounded-lg bg-yellow-50 border border-yellow-200 dark:bg-yellow-900/20 dark:border-yellow-800">
+            <div class="flex items-start gap-3">
+                <span x-html="$icon('exclamation-triangle', 'w-5 h-5 text-yellow-500 mt-0.5 flex-shrink-0')"></span>
+                <p class="text-sm text-yellow-800 dark:text-yellow-200">
+                    {{ _('loyalty.shared.program_form.terms_required_warning') }}
+                </p>
+            </div>
+        </div>
+    </template>
+
     <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_cms_page') }}</label>
@@ -264,6 +280,7 @@
         <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>
+        <p class="mt-1 text-xs text-gray-500 dark:text-gray-400">{{ _('loyalty.shared.program_form.terms_text_hint') }}</p>
     </div>
 </div>
 
@@ -310,8 +327,10 @@
            class="px-4 py-2 text-sm font-medium text-gray-700 bg-white border border-gray-300 rounded-lg hover:bg-gray-50 dark:bg-gray-800 dark:text-gray-300 dark:border-gray-600 dark:hover:bg-gray-700">
             {{ _('loyalty.common.cancel') }}
         </a>
-        <button type="submit" :disabled="saving"
-                class="flex items-center px-6 py-2 text-sm font-medium text-white bg-purple-600 rounded-lg hover:bg-purple-700 disabled:opacity-50">
+        <button type="submit"
+                :disabled="saving || (!settings.terms_text && !settings.terms_cms_page_slug)"
+                :title="(!settings.terms_text && !settings.terms_cms_page_slug) ? '{{ _('loyalty.shared.program_form.terms_required_tooltip')|replace("'", "\\'") }}' : ''"
+                class="flex items-center px-6 py-2 text-sm font-medium text-white bg-purple-600 rounded-lg hover:bg-purple-700 disabled:opacity-50 disabled:cursor-not-allowed">
             <span x-show="saving" x-html="$icon('spinner', 'w-4 h-4 mr-2 animate-spin')"></span>
             <span x-text="saving ? '{{ _('loyalty.common.saving')|replace("'", "\\'") }}' : (isNewProgram ? '{{ _('loyalty.shared.program_form.create_program')|replace("'", "\\'") }}' : '{{ _('loyalty.shared.program_form.save_changes')|replace("'", "\\'") }}')"></span>
         </button>