feat: ship Tier 1 — auth, authz, rate limits, real notifications, CSV import, billing, backups/DR, privacy

Closes every block in docs/TIER1_PLAN.md from the Claude-scope side. The
homelab / cloud setup steps (SES verification, restore drill, lawyer-
drafted ToS) remain operator-owned but are unblocked.

Block A — Authentication
- Migration 0003: password_hash, email_verified, email_verification_tokens,
  password_reset_tokens, refresh_tokens (with replaced_by family chain).
- Bcrypt hasher, HS256 JWT signer, single-use refresh tokens with rotation
  + replay-detection (revokes the family on reuse).
- /auth/signup, /login, /refresh, /logout, /verify-email,
  /forgot-password, /reset-password — enumeration-safe.
- requireAuth middleware + GET /me.
- Frontend useAuth/useApi with auto-refresh-on-401, login/signup/verify/
  forgot/reset pages, route-guard middleware.

Block B — Authorisation
- EventRepo.GetForHost; Update/Delete scoped by host_id.
- All host routes behind requireAuth + ownership; cross-tenant returns
  404 (no enumeration). ?host_id removed.
- WS auth via short-lived single-use tickets (POST /auth/ws-ticket).
- Tests: TestCrossTenantIsolation — 9 probes.

Block C — Rate limiting
- Redis sliding-window via Lua (atomic ZADD+ZCARD+PEXPIRE).
- Per-route limits matching the plan (signup IP, login IP+email, RSVP/
  access by token, events/guests/tokens by user_id).
- 429 with Retry-After header and JSON body.
- Auth lockout: 5 failed logins → account locked, only password reset
  clears it.
- Frontend: useErrMessage normalises 429 + locked messaging.

Block D — Real notifications
- Migration 0004: provider_message_id, bounce_type, complained columns
  + unsubscribes (CITEXT) suppression table.
- Branded HTML + plaintext templates for verification, reset, invitation,
  confirmation, reminder. Per-page templates avoid html/template's
  contextual-escape collisions.
- Senders: SESv2, Twilio (SMS), SMTP (Mailpit-friendly), Resend HTTP.
- PickEmailSender priority Resend > SMTP > SES > Log — system boots
  cleanly in dev with Mailpit; production flips one env var.
- Webhook endpoints (Twilio status + SES SNS) — bounces add to suppression;
  signature verification stubbed pending creds.
- Auto-send: POST /tokens publishes invitation.send; notifier renders +
  delivers via the configured backend; suppression list honoured.
- Bulk + per-row invitation flow: POST /events/{id}/guests/invitations/bulk
  returns per-guest tokens so phone-only guests can be SMS'd manually.
- Unsubscribe: signed HMAC token (no TTL) + /unsubscribe/[token] page.
- WhatsApp Option A+: wa.me click-to-chat wizard with per-guest progress
  tracking, isLikelyE164 validation, edit-from-wizard.
- Token rotate (POST /tokens/rotate) invalidates the old URL — used by
  the regenerate-link flow.
- Mailpit added to docker-compose for dev inbox.

Block E — CSV import
- Streaming parser: tolerant header detection, UTF-8 BOM + UTF-16 LE/BE
  decoding, row-level validation, 5,000-row cap.
- Strict E.164 phone validation with helpful error message.
- POST /preview + /import + GET /template; preview UI on event page;
  atomic per-batch with dedup on existing emails.

Phone capture across UI
- PhoneInput component: country picker (~50 ISO codes) + national input +
  live E.164 preview + inline length validation.
- Used in Add Guest and Edit Guest modals. Smart paste-handling extracts
  country code from full E.164 strings.

Block F — Billing (Stripe)
- Migration 0005: subscriptions table (user_id → tier/status/period_end +
  Stripe customer/sub ids). Partial unique index keeps one granting sub
  per user.
- internal/billing: Tier + Limits model (Free 1/50, Pro 10/1000, Business
  ∞/5000), Stripe SDK wrapper with IgnoreAPIVersionMismatch for newer
  account API versions.
- /billing/checkout-session, /billing/portal, /billing/status,
  /webhooks/stripe (signature-verified, lifecycle events).
- Tier enforcement: 402 on POST /events, /guests, /import with
  {error, reason, tier, used, limit, upgrade_url} body.
- Frontend: useBilling composable, /dashboard/billing page (current plan,
  usage bars, tier cards), global UpgradeModal triggered by useApi's
  402 interceptor.
- Customer portal kept for self-service cancel/payment-method changes.

Block G — Backups & DR (application side)
- Every migration has a tested .down.sql.
- TestMigrationRoundtrip applies all ups → all downs → all ups against a
  fresh container; catches asymmetric down migrations.
- cmd/restore-verify: 28-check post-restore invariant tool (schema
  presence, no orphans across 10 FK relationships, email uniqueness,
  single-active subscription, row-count snapshot).
- docs/RUNBOOK_RESTORE.md: 9-step restore procedure with RTO/RPO
  targets, drill instructions, rollback path.

Block H — Privacy compliance (application side)
- Migration 0006: deleted_at + terms_accepted_at + privacy_policy_accepted_at
  on users. Partial index on email for live-only uniqueness.
- GET /me/data-export — synchronous JSON dump (user, events, guests,
  tokens, rsvps, access_logs, notifications).
- DELETE /me — soft-delete with PII scrub + refresh-token revocation;
  re-signup with same email works.
- POST /me/accept-terms — idempotent consent recording.
- Frontend /privacy + /terms placeholder pages with substantive (pending
  legal review) copy; footer links; signup terms checkbox; TermsGateModal
  for accounts created before the rollout; export + delete buttons on
  /dashboard/billing.

Tests
- All migrations verified up/down/up.
- Integration suite: TestE2EHappyPath, TestAuthFlow, TestCrossTenantIsolation,
  TestRateLimitSignup, TestLoginLockout, TestUnsubscribeFlow,
  TestSESBounceWebhook, TestTwilioStatusWebhook, TestCsvImportFlow,
  TestCsvImportAtomicRollback, TestBulkIssueInvitations, TestBulkIssueExplicitSubset,
  TestTokenIssuePublishesInvitation, TestTokenIssueWithoutGuestEmailSkipsInvitation,
  TestGuestUpdate, TestGuestDelete, TestTokenRotate, TestSMTPSenderAgainstMailpit,
  TestFreeTierEventLimit, TestFreeTierGuestLimit, TestBusinessTierBypassesLimits,
  TestDataExport, TestDeleteMe, TestAcceptTerms, TestMigrationRoundtrip.
  Full suite runs in ~120s against real Postgres + NATS + Redis + Mailpit.
- Unit suite green across internal/auth, internal/csvimport,
  internal/notification, internal/ratelimit, internal/domain.

Co-Authored-By: Claude Opus 4.7 <noreply@anthropic.com>

cmd/notifier/main.go

@@ -48,7 +48,61 @@ func run() error {
 	defer natsClient.Close()
 
 	repo := notification.NewRepo(db)
-	sender := notification.LogSender{}
+	suppressions := notification.NewSuppressionRepo(db)
+	tpls, err := notification.NewTemplates()
+	if err != nil {
+		return err
+	}
+
+	// Email dispatcher: Resend > SMTP > SES > log stub, same picker as cmd/api.
+	combinedEmail, backend, err := notification.PickEmailSender(rootCtx, notification.EmailSenderConfig{
+		Resend: notification.ResendConfig{
+			APIKey:    cfg.ResendAPIKey,
+			FromEmail: cfg.ResendFromEmail,
+			FromName:  cfg.ResendFromName,
+		},
+		SMTP: notification.SMTPConfig{
+			Host:      cfg.SMTPHost,
+			Port:      cfg.SMTPPort,
+			Username:  cfg.SMTPUsername,
+			Password:  cfg.SMTPPassword,
+			FromEmail: cfg.SMTPFromEmail,
+			FromName:  cfg.SMTPFromName,
+			TLS:       cfg.SMTPTLS,
+		},
+		SES: notification.SESConfig{
+			Region:           cfg.SESRegion,
+			FromEmail:        cfg.SESFromEmail,
+			FromName:         cfg.SESFromName,
+			ConfigurationSet: cfg.SESConfigurationSet,
+			PublicBaseURL:    cfg.PublicBaseURL,
+		},
+	}, tpls, logger)
+	if err != nil {
+		return err
+	}
+	logger.Info("email backend selected", "backend", backend)
+	emailSender := notification.NewEmailSender(combinedEmail, suppressions)
+
+	// SMS: Twilio when creds are set, otherwise no-op log sender.
+	var smsSender notification.Sender
+	if cfg.TwilioAccountSID != "" && cfg.TwilioAuthToken != "" && cfg.TwilioFromNumber != "" {
+		t, err := notification.NewTwilioSender(notification.TwilioConfig{
+			AccountSID: cfg.TwilioAccountSID,
+			AuthToken:  cfg.TwilioAuthToken,
+			FromNumber: cfg.TwilioFromNumber,
+		})
+		if err != nil {
+			return err
+		}
+		smsSender = t
+		logger.Info("twilio sms sender configured", "from", cfg.TwilioFromNumber)
+	} else {
+		smsSender = notification.LogSender{}
+		logger.Info("twilio not configured — SMS will use the log stub")
+	}
+
+	sender := notification.NewRouter(emailSender, smsSender)
 
 	rsvpSub, err := natspub.NewRSVPConfirmedSubscriber(
 		rootCtx, natsClient, "notifier-rsvp-confirmed",
@@ -82,6 +136,22 @@ func run() error {
 	}
 	defer fraudCC.Stop()
 
+	invitationSub, err := natspub.NewInvitationSendSubscriber(
+		rootCtx, natsClient, "notifier-invitation-send",
+		func(ctx context.Context, evt natspub.InvitationSend) error {
+			return handleInvitationSend(ctx, logger, repo, sender, evt)
+		},
+		logger,
+	)
+	if err != nil {
+		return err
+	}
+	invitationCC, err := invitationSub.Start(rootCtx)
+	if err != nil {
+		return err
+	}
+	defer invitationCC.Stop()
+
 	logger.Info("notifier started")
 	<-rootCtx.Done()
 	logger.Info("notifier shutting down")
@@ -201,6 +271,76 @@ func handleFraudScored(
 	return nil
 }
 
+// handleInvitationSend renders the invitation template + sends through
+// the configured sender (Resend in prod, Mailpit in dev), then writes a
+// notification row so the host can audit the delivery history.
+func handleInvitationSend(
+	ctx context.Context,
+	logger *slog.Logger,
+	repo *notification.Repo,
+	sender notification.Sender,
+	evt natspub.InvitationSend,
+) error {
+	if evt.GuestEmail == "" {
+		// Nothing to do — host-managed delivery.
+		return nil
+	}
+
+	eventDate := ""
+	if !evt.EventDate.IsZero() {
+		eventDate = evt.EventDate.Format("Mon, 02 Jan 2006 · 15:04")
+	}
+
+	msg := notification.OutboundMessage{
+		GuestID: evt.GuestID,
+		Channel: notification.ChannelEmail,
+		Type:    notification.TypeInvitation,
+		Subject: "You're invited — " + evt.EventName,
+		Metadata: map[string]any{
+			"to":        evt.GuestEmail,
+			"GuestName": evt.GuestName,
+			"HostName":  evt.HostName,
+			"EventName": evt.EventName,
+			"Venue":     evt.Venue,
+			"EventDate": eventDate,
+			"Link":      evt.Link,
+		},
+	}
+
+	providerID, sendErr := sender.Send(ctx, msg)
+	status := notification.StatusSent
+	errStr := ""
+	if sendErr != nil {
+		status = notification.StatusFailed
+		errStr = sendErr.Error()
+	}
+
+	id, err := repo.Record(ctx, notification.RecordParams{
+		GuestID:           evt.GuestID,
+		Channel:           msg.Channel,
+		Type:              msg.Type,
+		Status:            status,
+		ProviderMessageID: providerID,
+		Error:             errStr,
+	})
+	if err != nil {
+		return err
+	}
+
+	logger.Info("invitation dispatched",
+		"notification_id", id,
+		"guest_id", evt.GuestID,
+		"event_id", evt.EventID,
+		"to", evt.GuestEmail,
+		"status", status,
+		"provider_message_id", providerID,
+	)
+	if sendErr != nil {
+		return sendErr
+	}
+	return nil
+}
+
 func levelFor(env string) slog.Level {
 	if env == "development" {
 		return slog.LevelDebug