policy: ban --no-verify, fix pre-commit hook comments

.githooks/pre-commit

@@ -1,6 +1,5 @@
 #!/usr/bin/env bash
-# Pre-commit hook: auto-format, then test via tox.
-# Blocks the commit if tests fail. Formatting is applied automatically.
+# Pre-commit hook: auto-format + test. No bypass. No exceptions.
 #
 # Auto-activated by `make install` via git core.hooksPath.
 
@@ -8,8 +7,8 @@ set -e
 
 MAX_SECONDS=60
 
-# Auto-format staged files so formatting never blocks a commit
-echo "Auto-formatting with black + isort..."
+# Auto-format staged files
+echo "Auto-formatting with ruff..."
 tox -e format -- 2>/dev/null || tox -e format
 git add -u