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/recommendations/[id]/route.ts

@@ -3,12 +3,17 @@ import { and, eq } from "drizzle-orm"
 import { db } from "@/lib/db"
 import { ai_recommendations } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
+import { getAccountContext } from "@/lib/account"
 import { logActivity } from "@/lib/activity"
 
 export async function PATCH(request: Request, { params }: { params: Promise<{ id: string }> }) {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ctx = await getAccountContext(user.id)
+  if (!ctx.canWrite) return NextResponse.json({ error: "Forbidden" }, { status: 403 })
+  const ownerId = ctx.ownerId
+
   const { id } = await params
   const { status } = await request.json() as { status: "approved" | "dismissed" }
 
@@ -23,13 +28,13 @@ export async function PATCH(request: Request, { params }: { params: Promise<{ id
   const [data] = await db
     .update(ai_recommendations)
     .set(updateData)
-    .where(and(eq(ai_recommendations.id, id), eq(ai_recommendations.user_id, user.id)))
+    .where(and(eq(ai_recommendations.id, id), eq(ai_recommendations.user_id, ownerId)))
     .returning()
 
   if (!data) return NextResponse.json({ error: "Not found" }, { status: 404 })
 
   await logActivity({
-    userId: user.id,
+    userId: ownerId,
     type: "ai_action",
     title: status === "approved"
       ? `AI recommendation approved: ${data.title}`