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/inspections/route.ts

@@ -5,6 +5,7 @@ import { inspections } from "@/lib/db/schema"
 import { getSessionUser } from "@/lib/session"
 import { inspectionSchema } from "@/lib/validations"
 import { ownsProperty, ownsUnit } from "@/lib/db/ownership"
+import { getEffectiveOwnerId, getAccountContext } from "@/lib/account"
 
 const DEFAULT_ITEMS = [
   "Walls & Ceilings", "Floors", "Windows & Blinds", "Doors & Locks",
@@ -16,9 +17,11 @@ export async function GET() {
   const user = await getSessionUser()
   if (!user) return NextResponse.json({ error: "Unauthorized" }, { status: 401 })
 
+  const ownerId = await getEffectiveOwnerId(user.id)
+
   try {
     const data = await db.query.inspections.findMany({
-      where: eq(inspections.user_id, user.id),
+      where: eq(inspections.user_id, ownerId),
       with: {
         property: { columns: { name: true } },
         unit: { columns: { unit_number: true } },
@@ -36,6 +39,10 @@ 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 = inspectionSchema.safeParse(body)
   if (!parsed.success) {
@@ -43,8 +50,8 @@ export async function POST(request: Request) {
   }
 
   if (
-    !(await ownsProperty(user.id, parsed.data.property_id)) ||
-    !(await ownsUnit(user.id, parsed.data.unit_id))
+    !(await ownsProperty(ownerId, parsed.data.property_id)) ||
+    !(await ownsUnit(ownerId, parsed.data.unit_id))
   ) {
     return NextResponse.json({ error: "Invalid reference" }, { status: 403 })
   }
@@ -55,7 +62,7 @@ export async function POST(request: Request) {
     const [data] = await db
       .insert(inspections)
       .values({
-        user_id: user.id,
+        user_id: ownerId,
         property_id: parsed.data.property_id,
         unit_id: parsed.data.unit_id || null,
         type: parsed.data.type,