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/follow-ups/route.ts

@@ -4,21 +4,24 @@ import { db } from "@/lib/db"
 import { follow_up_rules, follow_up_log } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
 import { followUpRuleSchema } from "@/lib/validations"
+import { getEffectiveOwnerId, getAccountContext } from "@/lib/account"
 
 export async function GET() {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   const [rules, logs] = await Promise.all([
     db
       .select()
       .from(follow_up_rules)
-      .where(eq(follow_up_rules.user_id, user.id))
+      .where(eq(follow_up_rules.user_id, ownerId))
       .orderBy(follow_up_rules.created_at),
     db
       .select()
       .from(follow_up_log)
-      .where(eq(follow_up_log.user_id, user.id))
+      .where(eq(follow_up_log.user_id, ownerId))
       .orderBy(desc(follow_up_log.created_at))
       .limit(30),
   ])
@@ -30,6 +33,10 @@ export async function POST(request: Request) {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ctx = await getAccountContext(user.id)
+  const ownerId = ctx.ownerId
+  if (!ctx.canWrite) return NextResponse.json({ error: "Forbidden" }, { status: 403 })
+
   const body = await request.json()
   const parsed = followUpRuleSchema.safeParse(body)
   if (!parsed.success) {
@@ -40,7 +47,7 @@ export async function POST(request: Request) {
 
   const [data] = await db
     .insert(follow_up_rules)
-    .values({ user_id: user.id, type, name, trigger_days, message_template })
+    .values({ user_id: ownerId, type, name, trigger_days, message_template })
     .returning()
 
   return NextResponse.json(data, { status: 201 })