Consolidate audit-fixes branch: webhooks, integrations, and deploy hardening

Batch commit of the pending working tree on security/audit-fixes-2026-07.
Major areas:
- Outbound webhooks / Zapier: schema + signed delivery with retries, public
  v1 API (REST-hook subscribe/unsubscribe), settings UI, cron drain.
- Deploy hardening: email via SMTP2GO (Resend fully removed), verified DB TLS
  (DATABASE_SSL=require + DATABASE_CA), storage fails loud in production when
  Spaces is unconfigured instead of silently using ephemeral disk.
- Integrations & features (concurrent work): accounting (QuickBooks/Xero),
  e-signature (DocuSign/Dropbox Sign), PayPal, geocoding/maps, onboarding,
  expanded legal pages.
- DB migrations 0006–0009.

Co-Authored-By: Claude Opus 4.8 <noreply@anthropic.com>

app/(dashboard)/expenses/new/page.tsx

@@ -3,6 +3,7 @@ import { asc, eq } from "drizzle-orm"
 import { db } from "@/lib/db"
 import { properties } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
+import { getEffectiveOwnerId } from "@/lib/account"
 import { ExpenseForm } from "@/components/forms/expense-form"
 import { BackButton } from "@/components/ui/back-button"
 
@@ -12,8 +13,10 @@ export default async function NewExpensePage() {
   const user = await getSessionUser()
   if (!user) redirect("/login")
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   const propertyList = await db.query.properties.findMany({
-    where: eq(properties.user_id, user.id),
+    where: eq(properties.user_id, ownerId),
     columns: { id: true, name: true },
     with: {
       units: { columns: { id: true, unit_number: true } },

app/(dashboard)/expenses/page.tsx

@@ -3,6 +3,7 @@ import { asc, desc, eq } from "drizzle-orm"
 import { db } from "@/lib/db"
 import { expenses, properties } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
+import { getEffectiveOwnerId } from "@/lib/account"
 import { ExpensesClient } from "./expenses-client"
 
 export const metadata = { title: "Expenses" }
@@ -11,9 +12,11 @@ export default async function ExpensesPage() {
   const user = await getSessionUser()
   if (!user) redirect("/login")
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   const [expenseList, propertyList] = await Promise.all([
     db.query.expenses.findMany({
-      where: eq(expenses.user_id, user.id),
+      where: eq(expenses.user_id, ownerId),
       with: {
         property: { columns: { name: true } },
         unit: { columns: { unit_number: true } },
@@ -23,7 +26,7 @@ export default async function ExpensesPage() {
     db
       .select({ id: properties.id, name: properties.name })
       .from(properties)
-      .where(eq(properties.user_id, user.id))
+      .where(eq(properties.user_id, ownerId))
       .orderBy(asc(properties.name)),
   ])