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/(marketing)/disclaimer/page.tsx

@@ -0,0 +1,94 @@
+import { LegalPage, Section, Callout, LegalContact } from "@/components/marketing/legal"
+import { LEGAL } from "@/lib/legal"
+
+export const metadata = {
+  title: "Disclaimer",
+  description:
+    "Important limitations on the information and outputs provided by the Service, including AI-generated content and financial reports.",
+  alternates: { canonical: "/disclaimer" },
+}
+
+export default function Page() {
+  return (
+    <LegalPage
+      title="Disclaimer"
+      subtitle="Please read these important limitations regarding the information and outputs provided by the Service."
+    >
+      <Callout>
+        <strong>{LEGAL.service}</strong> (the <strong>Service</strong>) and all of its outputs are
+        provided for general informational purposes only and do <strong>not</strong> constitute
+        professional advice. You should not rely on them as a substitute for advice from a qualified
+        professional.
+      </Callout>
+
+      <Section heading="General information only">
+        <p>
+          The information made available through the Service is provided by{" "}
+          <strong>{LEGAL.entity}</strong> (<strong>we</strong>, <strong>us</strong>, or{" "}
+          <strong>our</strong>) for general informational purposes. While we aim to keep the Service
+          useful and reliable, we make no representations or warranties as to the accuracy,
+          completeness, or timeliness of any information or output.
+        </p>
+      </Section>
+
+      <Section heading="No professional advice">
+        <p>
+          Nothing provided through the Service constitutes <strong>legal</strong>,{" "}
+          <strong>tax</strong>, <strong>financial</strong>, <strong>accounting</strong>, or{" "}
+          <strong>real-estate</strong> advice. You (the account holder, referred to as{" "}
+          <strong>you</strong> or the <strong>Customer</strong>) should consult qualified
+          professionals before making any decision based on the Service.
+        </p>
+      </Section>
+
+      <Section heading="AI-generated content">
+        <p>
+          Some features generate content using artificial intelligence. AI-generated content may be{" "}
+          <strong>inaccurate, incomplete, or outdated</strong>, and may not reflect your specific
+          circumstances. You must independently verify any AI-generated content before relying on it.
+          The <strong>Customer</strong> is solely responsible for any decision made using such
+          content.
+        </p>
+      </Section>
+
+      <Section heading="Financial figures and reports">
+        <p>
+          Any financial figures, summaries, and reports produced by the Service are provided for
+          convenience only. You should verify them against your own official records. These outputs
+          are <strong>not</strong> a substitute for professional accounting, bookkeeping, or audit
+          services.
+        </p>
+      </Section>
+
+      <Section heading="Legal and regulatory compliance">
+        <p>
+          The <strong>Customer</strong> is solely responsible for complying with all applicable laws
+          and regulations, including <strong>housing</strong>, <strong>fair-housing</strong>,{" "}
+          <strong>landlord-tenant</strong>, <strong>tax</strong>, and{" "}
+          <strong>data-protection</strong> laws. The Service is a tool to assist you and does not
+          ensure or guarantee your compliance with any legal obligation.
+        </p>
+      </Section>
+
+      <Section heading="Third-party content and links">
+        <p>
+          The Service may include content from, or links to, third-party websites and services. We do
+          not control and are not responsible for the content, accuracy, or practices of any third
+          party. The inclusion of any link or third-party content does not imply endorsement.
+        </p>
+      </Section>
+
+      <Section heading="No warranty and limitation of liability">
+        <p>
+          The Service is provided on an <strong>&ldquo;as is&rdquo;</strong> and{" "}
+          <strong>&ldquo;as available&rdquo;</strong> basis, without warranties of any kind, whether
+          express or implied, to the fullest extent permitted by law. This page is a summary only. The
+          full warranty disclaimer and the limitation of liability, including any liability cap, are
+          set out in our <a href="/terms">Terms of Service</a>, which govern your use of the Service.
+        </p>
+      </Section>
+
+      <LegalContact email={LEGAL.legalEmail} />
+    </LegalPage>
+  )
+}