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/api/ai/predictions/route.ts

@@ -12,6 +12,7 @@ import {
   expenses,
 } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
+import { getEffectiveOwnerId, getAccountContext } from "@/lib/account"
 import { openai } from "@/lib/ai/client"
 import { logActivity } from "@/lib/activity"
 import { enforceAiQuota } from "@/lib/ai/usage"
@@ -21,10 +22,12 @@ export async function GET() {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   const data = await db
     .select()
     .from(ai_predictions)
-    .where(eq(ai_predictions.user_id, user.id))
+    .where(eq(ai_predictions.user_id, ownerId))
     .orderBy(desc(ai_predictions.created_at))
     .limit(30)
 
@@ -38,13 +41,17 @@ export async function POST() {
   const quota = await enforceAiQuota(user.id, "ai_predictions")
   if (!quota.ok) return NextResponse.json({ error: quota.error }, { status: quota.status })
 
+  const ctx = await getAccountContext(user.id)
+  if (!ctx.canWrite) return NextResponse.json({ error: "Forbidden" }, { status: 403 })
+  const ownerId = ctx.ownerId
+
   const now = new Date()
   const sixMonthsAgo = new Date(now)
   sixMonthsAgo.setMonth(sixMonthsAgo.getMonth() - 6)
   const sixMonthsAgoDate = sixMonthsAgo.toISOString().slice(0, 10)
 
   const [propertiesData, unitsData, tenantsData, payments, maintenance, leasesData, expensesData] = await Promise.all([
-    db.select({ id: properties.id, name: properties.name }).from(properties).where(eq(properties.user_id, user.id)),
+    db.select({ id: properties.id, name: properties.name }).from(properties).where(eq(properties.user_id, ownerId)),
     db
       .select({
         id: units.id,
@@ -54,7 +61,7 @@ export async function POST() {
         status: units.status,
       })
       .from(units)
-      .where(eq(units.user_id, user.id)),
+      .where(eq(units.user_id, ownerId)),
     db
       .select({
         id: tenants.id,
@@ -64,7 +71,7 @@ export async function POST() {
         property_id: tenants.property_id,
       })
       .from(tenants)
-      .where(and(eq(tenants.user_id, user.id), eq(tenants.status, "active"))),
+      .where(and(eq(tenants.user_id, ownerId), eq(tenants.status, "active"))),
     db
       .select({
         amount: rent_payments.amount,
@@ -73,7 +80,7 @@ export async function POST() {
         property_id: rent_payments.property_id,
       })
       .from(rent_payments)
-      .where(and(eq(rent_payments.user_id, user.id), gte(rent_payments.due_date, sixMonthsAgoDate)))
+      .where(and(eq(rent_payments.user_id, ownerId), gte(rent_payments.due_date, sixMonthsAgoDate)))
       .orderBy(rent_payments.due_date),
     db
       .select({
@@ -84,7 +91,7 @@ export async function POST() {
         property_id: maintenance_requests.property_id,
       })
       .from(maintenance_requests)
-      .where(eq(maintenance_requests.user_id, user.id)),
+      .where(eq(maintenance_requests.user_id, ownerId)),
     db
       .select({
         tenant_id: leases.tenant_id,
@@ -94,7 +101,7 @@ export async function POST() {
         status: leases.status,
       })
       .from(leases)
-      .where(eq(leases.user_id, user.id)),
+      .where(eq(leases.user_id, ownerId)),
     db
       .select({
         amount: expenses.amount,
@@ -103,7 +110,7 @@ export async function POST() {
         property_id: expenses.property_id,
       })
       .from(expenses)
-      .where(and(eq(expenses.user_id, user.id), gte(expenses.expense_date, sixMonthsAgoDate))),
+      .where(and(eq(expenses.user_id, ownerId), gte(expenses.expense_date, sixMonthsAgoDate))),
   ])
 
   // Build monthly revenue trend
@@ -183,10 +190,10 @@ Only return valid JSON, no other text.`
   }
 
   // Replace old predictions
-  await db.delete(ai_predictions).where(eq(ai_predictions.user_id, user.id))
+  await db.delete(ai_predictions).where(eq(ai_predictions.user_id, ownerId))
 
   const toInsert = predictions.map((p: any) => ({
-    user_id: user.id,
+    user_id: ownerId,
     type: p.type ?? "growth_opportunity",
     title: p.title,
     prediction: p.prediction,
@@ -199,7 +206,7 @@ Only return valid JSON, no other text.`
   const inserted = toInsert.length > 0 ? await db.insert(ai_predictions).values(toInsert).returning() : []
 
   await logActivity({
-    userId: user.id,
+    userId: ownerId,
     type: "ai_action",
     title: `AI generated ${inserted.length} predictions and risk alerts`,
     entityType: "ai_predictions",