Build GDPR compliance system: data export, account deletion, consent

- Data export (Art. 15/20): GET /api/gdpr/export serves a full JSON export
  of the user's data (credentials/tokens excluded, exclusions declared)
- Right to erasure (Art. 17): self-service deletion with 30-day grace
  period (Settings -> Privacy & Data), cancellable; daily /api/cron/gdpr
  drain cancels Stripe billing, purges Spaces files, cascade-deletes the
  account, anonymizes consent rows, and writes audit evidence
- Migration 0011: account_deletion_requests (partial unique index = one
  pending per user) + FK-less consent_log (survives erasure)
- Consent: terms/privacy acceptance logged at signup (email + Google);
  cookie banner with analytics opt-out (umami.disabled), choices logged
  server-side for signed-in users via POST /api/gdpr/consent
- Admin deleteUser upgraded to the same full purge (was leaving Spaces
  files and Stripe subscriptions orphaned)
- /gdpr legal page now points at the self-service tools
- scripts/verify-gdpr.ts: end-to-end verification vs live dev DB (22/22)

Co-Authored-By: Claude Fable 5 <noreply@anthropic.com>

components/dashboard/header.tsx

@@ -16,6 +16,7 @@ const pageTitles: Record<string, string> = {
   "/expenses":         "Expenses",
   "/settings/profile": "Settings",
   "/settings/billing": "Billing",
+  "/settings/privacy": "Privacy & Data",
   "/settings/demo":    "Demo Data",
   "/ai":               "AI Assistant",
   "/reports":          "Reports",