assistant: Require user to accept TOS for cloud provider (#16111)

This adds the requirement for users to accept the terms of service the
first time they send a message with the Cloud provider.

Once this is out and in a nightly, we need to add the check to the
server side too, to authenticate access to the models.

Demo:


https://github.com/user-attachments/assets/0edebf74-8120-4fa2-b801-bb76f04e8a17



Release Notes:

- N/A

crates/collab/migrations/20240812073542_add_accepted_tos_at.sql

@@ -0,0 +1 @@
+ALTER TABLE users ADD accepted_tos_at TIMESTAMP WITHOUT TIME ZONE;