fix: billing portal error, onboarding wizard improvements, budget empty state

- Fix "Manage Billing" button error for trial orgs without Stripe customer;
  add fallback to retrieve customer from subscription, show helpful message
  for trial users, and surface real error messages in the UI
- Add "Balance As-Of Date" field to onboarding wizard so opening balance
  journal entries use the correct statement date instead of today
- Add "Total Unit Count" field to onboarding wizard assessment group step
  so cash flow projections work immediately
- Remove broken budget upload step from onboarding wizard (was using legacy
  budgets endpoint); replace with guidance to use Budget Planning page
- Replace bare "No budget plan lines" text with rich onboarding-style card
  featuring download template and upload CSV action buttons

Co-Authored-By: Claude Opus 4.6 <noreply@anthropic.com>

.env.example

@@ -13,6 +13,30 @@ AI_MODEL=qwen/qwen3.5-397b-a17b
 # Set to 'true' to enable detailed AI prompt/response logging
 AI_DEBUG=false
 
+# Stripe Billing
+STRIPE_SECRET_KEY=sk_test_your_stripe_secret_key
+STRIPE_WEBHOOK_SECRET=whsec_your_webhook_secret
+
+# Stripe Price IDs (Monthly)
+STRIPE_STARTER_MONTHLY_PRICE_ID=price_starter_monthly
+STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID=price_professional_monthly
+STRIPE_ENTERPRISE_MONTHLY_PRICE_ID=price_enterprise_monthly
+
+# Stripe Price IDs (Annual — 25% discount)
+STRIPE_STARTER_ANNUAL_PRICE_ID=price_starter_annual
+STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID=price_professional_annual
+STRIPE_ENTERPRISE_ANNUAL_PRICE_ID=price_enterprise_annual
+
+# Trial configuration
+REQUIRE_PAYMENT_METHOD_FOR_TRIAL=false
+
+# Email (Resend)
+RESEND_API_KEY=re_your_resend_api_key
+
+# Application
+APP_URL=http://localhost
+INVITE_TOKEN_SECRET=dev-invite-secret
+
 # New Relic APM — set ENABLED=true and provide your license key to activate
 NEW_RELIC_ENABLED=false
 NEW_RELIC_LICENSE_KEY=your_new_relic_license_key_here

ONBOARDING-AND-AUTH.md

@@ -1,8 +1,8 @@
 # HOA LedgerIQ -- Payment, Onboarding & Authentication Guide
 
-> **Version:** 2026.03.17
+> **Version:** 2026.03.18
-> **Last updated:** March 17, 2026
+> **Last updated:** March 18, 2026
-> **Migration:** `db/migrations/015-saas-onboarding-auth.sql`
+> **Migrations:** `db/migrations/015-saas-onboarding-auth.sql`, `db/migrations/017-billing-enhancements.sql`
 
 ---
 
@@ -10,17 +10,22 @@
 
 1. [High-Level Flow](#1-high-level-flow)
 2. [Stripe Billing & Checkout](#2-stripe-billing--checkout)
-3. [Provisioning Pipeline](#3-provisioning-pipeline)
+3. [14-Day Free Trial](#3-14-day-free-trial)
-4. [Account Activation (Magic Link)](#4-account-activation-magic-link)
+4. [Monthly / Annual Billing](#4-monthly--annual-billing)
-5. [Guided Onboarding Checklist](#5-guided-onboarding-checklist)
+5. [Provisioning Pipeline](#5-provisioning-pipeline)
-6. [Authentication & Sessions](#6-authentication--sessions)
+6. [Account Activation (Magic Link)](#6-account-activation-magic-link)
-7. [Multi-Factor Authentication (TOTP)](#7-multi-factor-authentication-totp)
+7. [Guided Onboarding Checklist](#7-guided-onboarding-checklist)
-8. [Single Sign-On (SSO)](#8-single-sign-on-sso)
+8. [Subscription Management & Upgrade/Downgrade](#8-subscription-management--upgradedowngrade)
-9. [Passkeys (WebAuthn)](#9-passkeys-webauthn)
+9. [ACH / Invoice Billing](#9-ach--invoice-billing)
-10. [Environment Variables Reference](#10-environment-variables-reference)
+10. [Access Control & Grace Periods](#10-access-control--grace-periods)
-11. [Manual Intervention & Ops Tasks](#11-manual-intervention--ops-tasks)
+11. [Authentication & Sessions](#11-authentication--sessions)
-12. [What's Stubbed vs. Production-Ready](#12-whats-stubbed-vs-production-ready)
+12. [Multi-Factor Authentication (TOTP)](#12-multi-factor-authentication-totp)
-13. [API Endpoint Reference](#13-api-endpoint-reference)
+13. [Single Sign-On (SSO)](#13-single-sign-on-sso)
+14. [Passkeys (WebAuthn)](#14-passkeys-webauthn)
+15. [Environment Variables Reference](#15-environment-variables-reference)
+16. [Manual Intervention & Ops Tasks](#16-manual-intervention--ops-tasks)
+17. [What's Stubbed vs. Production-Ready](#17-whats-stubbed-vs-production-ready)
+18. [API Endpoint Reference](#18-api-endpoint-reference)
 
 ---
 
@@ -30,28 +35,26 @@
 Visitor hits /pricing
         |
         v
-Selects a plan (Starter $29 / Professional $79 / Enterprise $199)
+Selects plan (Starter / Professional / Enterprise)
+Chooses billing frequency (Monthly / Annual — 25% discount)
+Enters email + business name
         |
         v
-POST /api/billing/create-checkout-session
+POST /api/billing/start-trial (no card required)
         |
         v
-Redirect to Stripe Checkout (hosted by Stripe)
+Backend creates Stripe customer + subscription with trial_period_days=14
+Backend provisions: org -> schema -> user -> invite token -> email
         |
         v
-Stripe fires `checkout.session.completed` webhook
+Frontend navigates to /onboarding/pending?session_id=xxx
+  (polls GET /api/billing/status every 3s)
         |
         v
-Backend provisions: org -> schema -> user -> invite token -> "email"
-        |
-        v
-Frontend polls GET /api/billing/status?session_id=xxx
-        |  (OnboardingPendingPage polls every 3s)
-        v
 Status returns "active" -> user is redirected to /login
         |
         v
-User clicks activation link from "email" (logged to console + DB)
+User clicks activation link from email
         |
         v
 GET /activate?token=xxx -> validates token
@@ -61,184 +64,295 @@ POST /activate -> sets password + name, issues session
 Redirect to /onboarding (4-step guided wizard)
         |
         v
-Dashboard
+Dashboard (14-day trial active)
+        |
+        v
+Day 11: Stripe fires customer.subscription.trial_will_end webhook
+Backend sends trial-ending reminder email
+        |
+        v
+User adds payment method via Stripe Portal (Settings > Manage Billing)
+        |
+        v
+Trial ends -> Stripe charges card -> subscription becomes 'active'
+  OR: No card -> subscription cancelled -> org archived
 ```
 
 ---
 
 ## 2. Stripe Billing & Checkout
 
-### Plans
+### Plans & Pricing
 
-| Plan ID        | Name         | Price   | Unit Limit |
+| Plan | Monthly | Annual (25% off) | Unit Limit |
-|---------------|--------------|---------|------------|
+|------|---------|-------------------|------------|
-| `starter`      | Starter      | $29/mo  | 50 units   |
+| Starter | $29/mo | $261/yr ($21.75/mo) | 50 units |
-| `professional` | Professional | $79/mo  | 200 units  |
+| Professional | $79/mo | $711/yr ($59.25/mo) | 200 units |
-| `enterprise`   | Enterprise   | $199/mo | Unlimited  |
+| Enterprise | Custom | Custom | Unlimited |
 
-### Checkout Flow
+### Stripe Products & Prices
 
-1. **Frontend** (`PricingPage.tsx`): User enters email + business name, selects a plan.
+Each plan has **two Stripe Prices** (monthly and annual):
-2. **API call**: `POST /api/billing/create-checkout-session`
+
-   - Body: `{ planId, email?, businessName? }`
+| Env Variable | Description |
-   - Returns: `{ url }` (Stripe hosted checkout URL)
+|-------------|-------------|
-   - No auth required.
+| `STRIPE_STARTER_MONTHLY_PRICE_ID` | Starter monthly recurring price |
-3. **Redirect**: Frontend does `window.location.href = url` to send user to Stripe.
+| `STRIPE_STARTER_ANNUAL_PRICE_ID` | Starter annual recurring price |
-4. **On success**: Stripe redirects to `/onboarding/pending?session_id={CHECKOUT_SESSION_ID}`.
+| `STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID` | Professional monthly recurring price |
-5. **On cancel**: Stripe redirects back to `/pricing`.
+| `STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID` | Professional annual recurring price |
+| `STRIPE_ENTERPRISE_MONTHLY_PRICE_ID` | Enterprise monthly recurring price |
+| `STRIPE_ENTERPRISE_ANNUAL_PRICE_ID` | Enterprise annual recurring price |
+
+Backward compatibility: `STRIPE_STARTER_PRICE_ID` (old single var) maps to monthly if the new `_MONTHLY_` var is not set.
+
+### Two Billing Paths
+
+| Path | Audience | Payment | Trial |
+|------|----------|---------|-------|
+| **Path A: Self-serve (Card)** | Starter & Professional | Automatic card charge | 14-day no-card trial |
+| **Path B: Invoice / ACH** | Enterprise (admin-set) | Invoice with Net-30 terms | Admin configures |
 
 ### Webhook Events Handled
 
-The webhook endpoint is `POST /api/webhooks/stripe`.
-
 | Event | Action |
 |-------|--------|
-| `checkout.session.completed` | Triggers full provisioning pipeline |
+| `checkout.session.completed` | Triggers full provisioning pipeline (card-required flow) |
-| `invoice.payment_succeeded` | Sets org status to `active` (handles reactivation after failed payment) |
+| `invoice.payment_succeeded` | Sets org status to `active` (reactivation after trial/past_due) |
-| `invoice.payment_failed` | Sends payment-failed "email" (stubbed) |
+| `invoice.payment_failed` | Sets org to `past_due`, sends payment-failed email |
 | `customer.subscription.deleted` | Sets org status to `archived` |
+| `customer.subscription.trial_will_end` | Sends trial-ending reminder email (3 days before) |
+| `customer.subscription.updated` | Syncs plan, interval, status, and collection_method to DB |
 
 All webhook events are deduplicated via the `shared.stripe_events` table (idempotency by Stripe event ID).
 
-### Stripe Customer Portal
+---
 
-`POST /api/billing/portal` (auth required) -- creates a Stripe Customer Portal session for managing subscription/payment methods. **Note: currently throws "not implemented" -- needs org-context customer ID lookup.**
+## 3. 14-Day Free Trial
+
+### How It Works
+
+1. User visits `/pricing`, selects a plan and billing frequency
+2. User enters email + business name (required)
+3. Clicks "Start Free Trial"
+4. Backend creates Stripe customer (no payment method)
+5. Backend creates subscription with `trial_period_days: 14`
+6. Backend provisions org with `status = 'trial'` immediately
+7. User receives activation email, sets password, starts using the app
+
+### Trial Configuration
+
+| Setting | Description |
+|---------|-------------|
+| `REQUIRE_PAYMENT_METHOD_FOR_TRIAL` | `false` (default): no-card trial. `true`: uses Stripe Checkout (card required upfront). |
+
+### Trial Lifecycle
+
+| Day | Event |
+|-----|-------|
+| 0 | Trial starts, full access granted |
+| 11 | `customer.subscription.trial_will_end` webhook fires |
+| 11 | Trial-ending email sent ("Your trial ends in 3 days") |
+| 14 | Trial ends |
+| 14 | If card on file: Stripe charges, subscription becomes `active` |
+| 14 | If no card: subscription cancelled, org set to `archived` |
+
+### Trial Behavior by Plan Frequency
+
+- **Monthly trial**: Trial ends, charge monthly price
+- **Annual trial**: Trial ends, charge full annual amount
+
+### Trial End Behavior
+
+Configured in Stripe subscription: `trial_settings.end_behavior.missing_payment_method: 'cancel'`
+
+When trial ends without a payment method, the subscription is cancelled and the org is archived. Users can resubscribe at any time.
 
 ---
 
-## 3. Provisioning Pipeline
+## 4. Monthly / Annual Billing
 
-When `checkout.session.completed` fires, the backend runs **inline provisioning** (no background queue):
+### Pricing Page Toggle
+
+The pricing page (`PricingPage.tsx`) features a segmented control toggle:
+- **Monthly**: Shows monthly prices ($29/mo, $79/mo)
+- **Annual (Save 25%)**: Shows effective monthly rate + annual total ($21.75/mo billed annually at $261/yr)
+
+The selected billing frequency is passed to the backend when starting a trial or creating a checkout session.
+
+### Annual Discount
+
+Annual pricing = Monthly price x 12 x 0.75 (25% discount):
+- Starter: $29 x 12 x 0.75 = **$261/yr**
+- Professional: $79 x 12 x 0.75 = **$711/yr**
+
+---
+
+## 5. Provisioning Pipeline
+
+When a trial starts or `checkout.session.completed` fires, the backend runs **inline provisioning**:
 
 1. **Create organization** in `shared.organizations` with:
-   - `name` = business name from checkout metadata
+   - `name` = business name from signup
    - `schema_name` = `tenant_{random_12_chars}`
-   - `status` = `active`
+   - `status` = `trial` (for trial) or `active` (for card checkout)
    - `plan_level` = selected plan
+   - `billing_interval` = `month` or `year`
    - `stripe_customer_id` + `stripe_subscription_id`
+   - `trial_ends_at` (if trial)
    - Uses `ON CONFLICT (stripe_customer_id)` for idempotency
 
-2. **Create tenant schema** via `TenantSchemaService.createTenantSchema()`:
+2. **Create tenant schema** via `TenantSchemaService.createTenantSchema()`
-   - Runs the full tenant DDL (accounts, journal entries, etc.)
+3. **Create or find user** in `shared.users` by email
-   - Skips if schema already exists
+4. **Create membership** in `shared.user_organizations` (role: `president`)
-
+5. **Generate invite token** (JWT, 72-hour expiry)
-3. **Create or find user** in `shared.users` by email:
+6. **Send activation email** with link to set password
-   - New users are created with `is_email_verified = false` and no password
+7. **Initialize onboarding** progress row
-   - Existing users are reused (linked to new org)
-
-4. **Create membership** in `shared.user_organizations`:
-   - Role: `president`
-   - Idempotent via `ON CONFLICT DO NOTHING`
-
-5. **Generate invite token** (JWT signed with `INVITE_TOKEN_SECRET`, 72-hour expiry):
-   - SHA-256 hash stored in `shared.invite_tokens`
-   - Raw token used in activation URL
-
-6. **Send activation "email"** (stubbed -- see section 12):
-   - Logged to console and `shared.email_log` table
-   - Contains activation URL: `{APP_URL}/activate?token={jwt}`
-
-7. **Initialize onboarding** progress row in `shared.onboarding_progress`
 
 ### Provisioning Status Polling
 
 `GET /api/billing/status?session_id=xxx` (no auth required)
 
-Returns: `{ status }` where status is one of:
+Accepts both Stripe checkout session IDs and subscription IDs. Returns: `{ status }` where status is:
 - `not_configured` -- Stripe not set up
 - `pending` -- no customer ID yet
-- `provisioning` -- org exists but not active yet
+- `provisioning` -- org exists but not ready
-- `active` -- ready to go
+- `active` -- ready (includes `trial` status)
-
-The `OnboardingPendingPage` polls this every 3 seconds and redirects to `/login` once active.
 
 ---
 
-## 4. Account Activation (Magic Link)
+## 6. Account Activation (Magic Link)
 
 ### Validate Token
 
-`GET /api/auth/activate?token=xxx` (no auth required)
+`GET /api/auth/activate?token=xxx` -- returns `{ valid, email, orgName, orgId, userId }`
-
-- Verifies JWT signature (using `INVITE_TOKEN_SECRET`)
-- Checks `shared.invite_tokens` for existence, expiration, and prior use
-- Returns: `{ valid, email, orgName, orgId, userId }`
 
 ### Activate Account
 
-`POST /api/auth/activate` (no auth required)
+`POST /api/auth/activate` -- body `{ token, password, fullName }` -- sets password, issues session
-
-- Body: `{ token, password, fullName }`
-- Password must be >= 8 characters
-- Sets `password_hash`, `first_name`, `last_name`, `is_email_verified = true`
-- Marks invite token as used (`used_at = NOW()`)
-- Issues full session (access token + refresh token cookie)
-- Frontend redirects to `/onboarding`
-
-### Frontend (ActivatePage.tsx)
-
-- Validates token on mount
-- Shows password setup form with strength indicator (color-coded bar)
-- On success: stores auth in Zustand and navigates to `/onboarding`
 
 ---
 
-## 5. Guided Onboarding Checklist
+## 7. Guided Onboarding Checklist
 
-### Required Steps
+| Step Key | UI Label | Description |
-
+|----------|----------|-------------|
-| Step Key         | UI Label       | Description |
+| `profile` | Profile | Set up user profile |
-|-----------------|----------------|-------------|
+| `workspace` | Workspace | Configure organization settings |
-| `profile`        | Profile        | Set up user profile |
+| `invite_member` | Invite Member | Invite at least one team member |
-| `workspace`      | Workspace      | Configure organization settings |
+| `first_workflow` | First Account | Create the first chart-of-accounts entry |
-| `invite_member`  | Invite Member  | Invite at least one team member |
-| `first_workflow` | First Account  | Create the first chart-of-accounts entry |
-
-### API
-
-- `GET /api/onboarding/progress` (auth required): Returns `{ completedSteps[], completedAt, requiredSteps[] }`
-- `PATCH /api/onboarding/progress` (auth required): Body `{ step }` -- marks a step complete
-
-Steps are stored as a PostgreSQL text array. When all 4 required steps are complete, `completed_at` is set. Users can skip onboarding via a "Finish Later" button (navigates to dashboard).
-
-### Frontend (OnboardingPage.tsx)
-
-- Mantine Stepper with 4 steps
-- Each step calls `PATCH /onboarding/progress` on completion
-- Celebration screen shown when all steps are done
 
 ---
 
-## 6. Authentication & Sessions
+## 8. Subscription Management & Upgrade/Downgrade
+
+### Stripe Customer Portal
+
+Users manage their subscription through the **Stripe Customer Portal**, accessed via:
+- Settings page > Billing card > "Manage Billing" button
+- Calls `POST /api/billing/portal` which creates a portal session and returns the URL
+
+### What Users Can Do in the Portal
+
+- **Switch plans**: Change between Starter and Professional
+- **Switch billing frequency**: Monthly to Annual (and vice versa)
+- **Update payment method**: Add/change credit card
+- **Cancel subscription**: Cancels at end of current period
+- **View invoices**: See billing history
+
+### Upgrade/Downgrade Behavior
+
+| Change | Behavior |
+|--------|----------|
+| Monthly to Annual | Immediate. Prorate remaining monthly time, start annual cycle now. |
+| Annual to Monthly | Scheduled at end of current annual period. |
+| Starter to Professional | Immediate. Prorate price difference. |
+| Professional to Starter | Scheduled at end of current period. |
+
+Stripe handles proration automatically when configured with `proration_behavior: 'create_prorations'`.
+
+### Subscription Info Endpoint
+
+`GET /api/billing/subscription` (auth required) returns:
+```json
+{
+  "plan": "professional",
+  "planName": "Professional",
+  "billingInterval": "month",
+  "status": "active",
+  "collectionMethod": "charge_automatically",
+  "trialEndsAt": null,
+  "currentPeriodEnd": "2026-04-18T00:00:00.000Z",
+  "cancelAtPeriodEnd": false
+}
+```
+
+---
+
+## 9. ACH / Invoice Billing
+
+### Overview
+
+For enterprise customers who need to pay via ACH bank transfer or wire, an admin can switch the subscription's collection method from automatic card charge to invoice billing.
+
+### How It Works
+
+1. **Admin** calls `PUT /api/admin/organizations/:id/billing` with:
+   ```json
+   { "collectionMethod": "send_invoice", "daysUntilDue": 30 }
+   ```
+2. Stripe subscription is updated: `collection_method = 'send_invoice'`, `days_until_due = 30`
+3. At each billing cycle, Stripe generates an invoice and emails it to the customer
+4. Customer pays via ACH / wire / bank transfer
+5. When payment is received, Stripe marks invoice paid and org remains active
+
+### Access Rules for Invoice Customers
+
+| Stage | Access |
+|-------|--------|
+| Trial | Full |
+| Invoice issued | Full |
+| Due date passed | Read-only (past_due) |
+| 15+ days overdue | Admin may archive |
+
+### Switching Back
+
+To switch back to automatic card billing:
+```json
+{ "collectionMethod": "charge_automatically" }
+```
+
+---
+
+## 10. Access Control & Grace Periods
+
+### Organization Status Access Rules
+
+| Status | Access | Description |
+|--------|--------|-------------|
+| `trial` | **Full** | 14-day trial, all features available |
+| `active` | **Full** | Paid subscription, all features available |
+| `past_due` | **Read-only** | Payment failed or invoice overdue. Users can view data but cannot create/edit/delete. |
+| `suspended` | **Blocked** | Admin suspended. 403 on all org-scoped endpoints. |
+| `archived` | **Blocked** | Subscription cancelled. 403 on all org-scoped endpoints. Data preserved. |
+
+### Implementation
+
+- **Tenant Middleware** (`tenant.middleware.ts`): Blocks `suspended` and `archived` with 403. Sets `req.orgPastDue = true` for `past_due`.
+- **WriteAccessGuard** (`write-access.guard.ts`): Blocks POST/PUT/PATCH/DELETE for `past_due` orgs with message: "Your subscription is past due. Please update your payment method."
+
+---
+
+## 11. Authentication & Sessions
 
 ### Token Architecture
 
 | Token | Type | Lifetime | Storage |
 |-------|------|----------|---------|
-| Access token | JWT | 1 hour | Frontend Zustand store (memory/localStorage) |
+| Access token | JWT | 1 hour | Frontend Zustand store |
-| Refresh token | Opaque (base64url, 64 bytes) | 30 days | httpOnly cookie (`ledgeriq_rt`) |
+| Refresh token | Opaque (64 bytes) | 30 days | httpOnly cookie (`ledgeriq_rt`) |
-| MFA challenge | JWT | 5 minutes | Frontend state (in-memory only) |
+| MFA challenge | JWT | 5 minutes | Frontend state |
 | Invite/activation | JWT | 72 hours | URL query parameter |
 
-### Refresh Token Flow
-
-1. Access token expires (401 from any API call)
-2. Axios interceptor catches 401, calls `POST /api/auth/refresh`
-3. Refresh token is sent automatically via httpOnly cookie
-4. Server validates token hash in `shared.refresh_tokens` table
-5. New access token issued (refresh token is NOT rotated)
-6. Original failed request is replayed with new token
-7. Concurrent requests are queued during refresh (no thundering herd)
-
-### Cookie Configuration
-
-- Name: `ledgeriq_rt`
-- Path: `/api/auth`
-- httpOnly: `true`
-- Secure: `true` in production, `false` in dev
-- SameSite: `strict`
-- Max-Age: 30 days
-
 ### Session Endpoints
 
 | Method | Path | Auth | Description |
@@ -246,107 +360,38 @@ Steps are stored as a PostgreSQL text array. When all 4 required steps are compl
 | `POST` | `/api/auth/login` | No | Email + password login |
 | `POST` | `/api/auth/register` | No | Create account |
 | `POST` | `/api/auth/refresh` | Cookie | Refresh access token |
-| `POST` | `/api/auth/logout` | Cookie | Revoke current refresh token |
+| `POST` | `/api/auth/logout` | Cookie | Revoke current session |
-| `POST` | `/api/auth/logout-everywhere` | JWT | Revoke all user sessions |
+| `POST` | `/api/auth/logout-everywhere` | JWT | Revoke all sessions |
-| `POST` | `/api/auth/switch-org` | JWT | Switch org context (new tokens) |
+| `POST` | `/api/auth/switch-org` | JWT | Switch organization |
 
 ---
 
-## 7. Multi-Factor Authentication (TOTP)
+## 12. Multi-Factor Authentication (TOTP)
-
-### Setup Flow
-
-1. User goes to Settings > Security > Two-Factor Auth tab
-2. `POST /api/auth/mfa/setup` -- returns `{ qrCodeDataUrl, secret, uri }`
-3. User scans QR code in authenticator app (Google Authenticator, Authy, etc.)
-4. User enters 6-digit code to confirm
-5. `POST /api/auth/mfa/enable` with `{ token }` -- returns `{ recoveryCodes[] }`
-6. **User must save their 10 recovery codes** (displayed once, bcrypt-hashed in DB)
-
-### Login with MFA
-
-1. `POST /api/auth/login` returns `{ mfaRequired: true, mfaToken }` instead of session
-2. Frontend shows 6-digit PIN input (or recovery code input)
-3. `POST /api/auth/mfa/verify` with `{ mfaToken, token, useRecovery? }`
-4. On success: full session issued (access token + refresh cookie)
-
-### Recovery Codes
-
-- 10 codes generated on MFA enable
-- Each code is single-use (removed from array after verification)
-- Codes are bcrypt-hashed in `shared.users.recovery_codes` (JSON array)
 
 ### MFA Endpoints
 
 | Method | Path | Auth | Description |
 |--------|------|------|-------------|
-| `POST` | `/api/auth/mfa/setup` | JWT | Generate QR + secret |
+| `POST` | `/api/auth/mfa/setup` | JWT | Generate QR code + secret |
-| `POST` | `/api/auth/mfa/enable` | JWT | Verify code and enable MFA |
+| `POST` | `/api/auth/mfa/enable` | JWT | Enable MFA with TOTP code |
-| `POST` | `/api/auth/mfa/verify` | No (uses mfaToken) | Verify during login |
+| `POST` | `/api/auth/mfa/verify` | mfaToken | Verify during login |
-| `POST` | `/api/auth/mfa/disable` | JWT | Disable MFA (requires password) |
+| `POST` | `/api/auth/mfa/disable` | JWT | Disable (requires password) |
-| `GET`  | `/api/auth/mfa/status` | JWT | Check if MFA is enabled |
+| `GET` | `/api/auth/mfa/status` | JWT | Check MFA status |
-
-### Tech Stack
-
-- Library: `otplib` v4 (`generateSecret`, `generateURI`, `verifySync`)
-- QR codes: `qrcode` package (data URL output)
-- Recovery codes: `crypto.randomBytes` + `bcryptjs`
 
 ---
 
-## 8. Single Sign-On (SSO)
+## 13. Single Sign-On (SSO)
 
-### Supported Providers
+| Provider | Env Vars Required |
+|----------|-------------------|
+| Google | `GOOGLE_CLIENT_ID`, `GOOGLE_CLIENT_SECRET`, `GOOGLE_CALLBACK_URL` |
+| Microsoft/Azure AD | `AZURE_CLIENT_ID`, `AZURE_CLIENT_SECRET`, `AZURE_TENANT_ID`, `AZURE_CALLBACK_URL` |
 
-| Provider | Library | Env Vars Required |
+SSO providers are conditionally loaded based on env vars.
-|----------|---------|-------------------|
-| Google | `passport-google-oauth20` | `GOOGLE_CLIENT_ID`, `GOOGLE_CLIENT_SECRET`, `GOOGLE_CALLBACK_URL` |
-| Microsoft/Azure AD | `passport-azure-ad` | `AZURE_CLIENT_ID`, `AZURE_CLIENT_SECRET`, `AZURE_TENANT_ID`, `AZURE_CALLBACK_URL` |
-
-SSO providers are **conditionally loaded** -- they only appear on the login page if their env vars are configured. The `GET /api/auth/sso/providers` endpoint returns `{ google: boolean, azure: boolean }`.
-
-### SSO Login Flow
-
-1. Frontend redirects to `/api/auth/google` or `/api/auth/azure`
-2. Passport handles OAuth redirect to provider
-3. Provider redirects back to `/api/auth/{provider}/callback`
-4. Backend creates or links user via `SsoService.findOrCreateSsoUser()`
-5. Session tokens issued, redirect to `/sso-callback?token={accessToken}`
-
-### Account Linking
-
-- SSO fields stored on `shared.users`: `sso_provider`, `sso_id`
-- If email matches existing user, SSO is auto-linked on first login
-- Users can unlink: `DELETE /api/auth/sso/unlink/:provider`
-
-### SSO Endpoints
-
-| Method | Path | Auth | Description |
-|--------|------|------|-------------|
-| `GET` | `/api/auth/sso/providers` | No | List configured providers |
-| `GET` | `/api/auth/google/callback` | No (OAuth) | Google callback |
-| `GET` | `/api/auth/azure/callback` | No (OAuth) | Azure callback |
-| `DELETE` | `/api/auth/sso/unlink/:provider` | JWT | Unlink SSO provider |
 
 ---
 
-## 9. Passkeys (WebAuthn)
+## 14. Passkeys (WebAuthn)
-
-### Registration Flow (authenticated user)
-
-1. `POST /api/auth/passkeys/register-options` -- returns WebAuthn creation options
-2. Browser `navigator.credentials.create()` via `@simplewebauthn/browser`
-3. `POST /api/auth/passkeys/register` with `{ response, deviceName? }`
-4. Credential stored in `shared.user_passkeys`
-
-### Login Flow (unauthenticated)
-
-1. `POST /api/auth/passkeys/login-options` with `{ email? }` -- returns assertion options
-2. Browser `navigator.credentials.get()` via `@simplewebauthn/browser`
-3. `POST /api/auth/passkeys/login` with `{ response, challenge }`
-4. Full session issued on success
-
-### Passkey Endpoints
 
 | Method | Path | Auth | Description |
 |--------|------|------|-------------|
@@ -354,157 +399,141 @@ SSO providers are **conditionally loaded** -- they only appear on the login page
 | `POST` | `/api/auth/passkeys/register` | JWT | Complete registration |
 | `POST` | `/api/auth/passkeys/login-options` | No | Get authentication options |
 | `POST` | `/api/auth/passkeys/login` | No | Authenticate with passkey |
-| `GET`  | `/api/auth/passkeys` | JWT | List registered passkeys |
+| `GET` | `/api/auth/passkeys` | JWT | List user's passkeys |
 | `DELETE` | `/api/auth/passkeys/:id` | JWT | Remove a passkey |
 
-### Configuration
-
-- `WEBAUTHN_RP_ID` -- Relying party ID (e.g., `localhost` for dev, `yourdomain.com` for prod)
-- `WEBAUTHN_RP_ORIGIN` -- Expected origin (e.g., `http://localhost` or `https://yourdomain.com`)
-- Passkey removal is blocked if the user has no password and no other passkeys (prevents lockout)
-
 ---
 
-## 10. Environment Variables Reference
+## 15. Environment Variables Reference
 
 ### Stripe (Required for billing)
 
-| Variable | Example | Description |
+| Variable | Description |
-|----------|---------|-------------|
+|----------|-------------|
-| `STRIPE_SECRET_KEY` | `sk_test_...` | Stripe secret key. Must NOT contain "placeholder" to activate. |
+| `STRIPE_SECRET_KEY` | Stripe secret key. Must NOT contain "placeholder" to activate. |
-| `STRIPE_WEBHOOK_SECRET` | `whsec_...` | Webhook endpoint signing secret |
+| `STRIPE_WEBHOOK_SECRET` | Webhook endpoint signing secret |
-| `STRIPE_STARTER_PRICE_ID` | `price_...` | Stripe Price ID for Starter plan |
+| `STRIPE_STARTER_MONTHLY_PRICE_ID` | Stripe Price ID for Starter monthly |
-| `STRIPE_PROFESSIONAL_PRICE_ID` | `price_...` | Stripe Price ID for Professional plan |
+| `STRIPE_STARTER_ANNUAL_PRICE_ID` | Stripe Price ID for Starter annual |
-| `STRIPE_ENTERPRISE_PRICE_ID` | `price_...` | Stripe Price ID for Enterprise plan |
+| `STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID` | Stripe Price ID for Professional monthly |
+| `STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID` | Stripe Price ID for Professional annual |
+| `STRIPE_ENTERPRISE_MONTHLY_PRICE_ID` | Stripe Price ID for Enterprise monthly |
+| `STRIPE_ENTERPRISE_ANNUAL_PRICE_ID` | Stripe Price ID for Enterprise annual |
 
-### SSO (Optional -- features hidden when not set)
+Legacy single-price vars (`STRIPE_STARTER_PRICE_ID`, etc.) are still supported as fallback for monthly prices.
 
-| Variable | Example | Description |
+### Trial Configuration
+
+| Variable | Default | Description |
 |----------|---------|-------------|
-| `GOOGLE_CLIENT_ID` | `xxx.apps.googleusercontent.com` | Google OAuth client ID |
+| `REQUIRE_PAYMENT_METHOD_FOR_TRIAL` | `false` | Set to `true` to require card upfront via Stripe Checkout |
-| `GOOGLE_CLIENT_SECRET` | `GOCSPX-...` | Google OAuth client secret |
+
-| `GOOGLE_CALLBACK_URL` | `http://localhost/api/auth/google/callback` | OAuth redirect URI |
+### SSO (Optional)
-| `AZURE_CLIENT_ID` | `uuid` | Azure AD application (client) ID |
+
-| `AZURE_CLIENT_SECRET` | `...` | Azure AD client secret |
+| Variable | Description |
-| `AZURE_TENANT_ID` | `uuid` | Azure AD tenant (directory) ID |
+|----------|-------------|
-| `AZURE_CALLBACK_URL` | `http://localhost/api/auth/azure/callback` | OAuth redirect URI |
+| `GOOGLE_CLIENT_ID` | Google OAuth client ID |
+| `GOOGLE_CLIENT_SECRET` | Google OAuth client secret |
+| `GOOGLE_CALLBACK_URL` | OAuth redirect URI |
+| `AZURE_CLIENT_ID` | Azure AD application (client) ID |
+| `AZURE_CLIENT_SECRET` | Azure AD client secret |
+| `AZURE_TENANT_ID` | Azure AD tenant ID |
+| `AZURE_CALLBACK_URL` | OAuth redirect URI |
 
 ### WebAuthn / Passkeys
 
 | Variable | Default | Description |
 |----------|---------|-------------|
-| `WEBAUTHN_RP_ID` | `localhost` | Relying party identifier (your domain) |
+| `WEBAUTHN_RP_ID` | `localhost` | Relying party identifier |
 | `WEBAUTHN_RP_ORIGIN` | `http://localhost` | Expected browser origin |
 
 ### Other
 
 | Variable | Default | Description |
 |----------|---------|-------------|
-| `INVITE_TOKEN_SECRET` | `dev-invite-secret` | Secret for signing invite/activation JWTs. **Change in production.** |
+| `INVITE_TOKEN_SECRET` | `dev-invite-secret` | Secret for invite/activation JWTs |
-| `APP_URL` | `http://localhost` | Base URL for generated links (activation emails, Stripe redirects) |
+| `APP_URL` | `http://localhost` | Base URL for generated links |
+| `RESEND_API_KEY` | -- | Resend email provider API key |
 
 ---
 
-## 11. Manual Intervention & Ops Tasks
+## 16. Manual Intervention & Ops Tasks
 
-### Before Going Live
+### Stripe Dashboard Setup
 
-1. **Set up Stripe products and prices** in the Stripe Dashboard:
+1. **Create Products and Prices** for each plan:
-   - Create 3 products (Starter, Professional, Enterprise)
+   - Starter: monthly ($29/mo recurring) + annual ($261/yr recurring)
-   - Create monthly recurring prices for each
+   - Professional: monthly ($79/mo recurring) + annual ($711/yr recurring)
-   - Copy the Price IDs into `STRIPE_STARTER_PRICE_ID`, etc.
+   - Enterprise: monthly + annual (custom pricing)
+   - Copy all Price IDs to env vars
 
-2. **Configure the Stripe webhook** in the Stripe Dashboard:
+2. **Configure Stripe Webhook** endpoint:
-   - Endpoint URL: `https://yourdomain.com/api/webhooks/stripe`
+   - URL: `https://yourdomain.com/api/webhooks/stripe`
-   - Events to subscribe: `checkout.session.completed`, `invoice.payment_succeeded`, `invoice.payment_failed`, `customer.subscription.deleted`
+   - Events: `checkout.session.completed`, `invoice.payment_succeeded`, `invoice.payment_failed`, `customer.subscription.deleted`, `customer.subscription.trial_will_end`, `customer.subscription.updated`
-   - Copy the webhook signing secret to `STRIPE_WEBHOOK_SECRET`
 
-3. **Replace the email stub** with a real provider:
+3. **Configure Stripe Customer Portal**:
-   - `backend/src/modules/email/email.service.ts` currently logs to console + DB
+   - Enable plan switching (allow switching between monthly and annual prices)
-   - Swap in Resend, SendGrid, SES, or your preferred provider
+   - Enable payment method updates
-   - The four email methods to implement: `sendActivationEmail`, `sendWelcomeEmail`, `sendPaymentFailedEmail`, `sendInviteMemberEmail`
+   - Enable cancellation
+   - Enable invoice history
 
-4. **Set production secrets**:
+4. **Set production secrets**: `INVITE_TOKEN_SECRET`, `JWT_SECRET`, `WEBAUTHN_RP_ID`, `WEBAUTHN_RP_ORIGIN`
-   - `INVITE_TOKEN_SECRET` -- use a strong random string (not `dev-invite-secret`)
-   - `JWT_SECRET` -- already required, verify it's strong
-   - `WEBAUTHN_RP_ID` and `WEBAUTHN_RP_ORIGIN` -- set to your production domain
 
-5. **Configure SSO providers** (if desired):
+5. **Configure SSO providers** (optional)
-   - Register apps in Google Cloud Console and/or Azure AD
-   - Set the callback URLs to your production domain
-   - Add client IDs and secrets to env vars
-
-6. **Set up the Stripe Customer Portal** in Stripe Dashboard:
-   - Configure allowed actions (cancel, upgrade/downgrade, payment method updates)
-   - The `/api/billing/portal` endpoint needs the org-context customer ID lookup completed
 
 ### Ongoing Ops
 
-7. **Refresh token cleanup**: The `RefreshTokenService.cleanupExpired()` method deletes tokens that have been expired or revoked for 7+ days. **This is not currently called on a schedule.** Options:
+- **Refresh token cleanup**: Schedule `RefreshTokenService.cleanupExpired()` periodically
-   - Add a cron job / scheduled task that calls it periodically
+- **Monitor `shared.email_log`**: Check for failed email deliveries
-   - Or add a NestJS `@Cron()` decorator (requires `@nestjs/schedule`)
+- **ACH/Invoice customers**: Admin sets up via `PUT /api/admin/organizations/:id/billing`
 
-8. **Monitor `shared.email_log`**: While email is stubbed, activation URLs are only visible in:
+### Finding activation URLs (dev/testing)
-   - Backend console logs (look for lines starting with `EMAIL STUB`)
-   - The `shared.email_log` table (query: `SELECT * FROM shared.email_log ORDER BY sent_at DESC`)
 
-9. **Finding activation URLs manually** (dev/testing):
+```sql
-   ```sql
+SELECT to_email, metadata->>'activationUrl' AS url, sent_at
-   SELECT to_email, metadata->>'activationUrl' AS url, sent_at
+FROM shared.email_log
-   FROM shared.email_log
+WHERE template = 'activation'
-   WHERE template = 'activation'
+ORDER BY sent_at DESC
-   ORDER BY sent_at DESC
+LIMIT 10;
-   LIMIT 10;
+```
-   ```
-
-10. **Resend an activation email**: `POST /api/auth/resend-activation` with `{ email }` is stubbed (always returns success). To manually generate a new token:
-    ```sql
-    -- Find the user and org
-    SELECT u.id AS user_id, uo.organization_id
-    FROM shared.users u
-    JOIN shared.user_organizations uo ON uo.user_id = u.id
-    WHERE u.email = 'user@example.com';
-    ```
-    Then call `authService.generateInviteToken(userId, orgId, email)` or trigger a fresh checkout.
-
-11. **Deprovisioning / cancellation**: When a Stripe subscription is deleted, the org is set to `archived`. Archived orgs:
-    - Block login (users see "Your organization has been suspended")
-    - Block API access (403 on org-scoped endpoints)
-    - Data is preserved (schema is NOT deleted)
-    - To restore: update `status` back to `active` in `shared.organizations`
 
 ---
 
-## 12. What's Stubbed vs. Production-Ready
+## 17. What's Stubbed vs. Production-Ready
 
 | Component | Status | Notes |
 |-----------|--------|-------|
-| Stripe Checkout | **Ready** (test mode) | Switch to live keys for production |
+| Stripe Checkout (card-required flow) | **Ready** (test mode) | Switch to live keys for production |
-| Stripe Webhooks | **Ready** | Signature verification, idempotency, event dispatch all implemented |
+| Stripe Trial (no-card flow) | **Ready** (test mode) | Creates customer + subscription server-side |
-| Stripe Customer Portal | **Stubbed** | Endpoint exists but needs org-context customer ID lookup |
+| Stripe Webhooks | **Ready** | All 6 events handled with idempotency |
-| Provisioning (org + schema + user) | **Ready** | Inline (synchronous). Consider BullMQ queue for production scale. |
+| Stripe Customer Portal | **Ready** | Full org-context customer ID lookup implemented |
-| Email service | **Stubbed** | Logs to console + `shared.email_log`. Replace with real SMTP/API provider. |
+| Monthly/Annual Pricing | **Ready** | Toggle on pricing page, 6 Stripe Price IDs |
-| Activation (magic link) | **Ready** | Works end-to-end (token generation, validation, password set, session issue) |
+| ACH/Invoice Billing | **Ready** | Admin endpoint switches collection method |
-| Onboarding checklist | **Ready** | Server-side progress tracking, step completion, UI wizard |
+| Provisioning | **Ready** | Inline, supports both trial and active status |
-| Refresh tokens | **Ready** | Creation, validation, revocation, cleanup method (needs scheduling) |
+| Email service | **Ready** (with Resend) | Falls back to stub logging if not configured |
-| TOTP MFA | **Ready** | Setup, enable, verify, recovery codes, disable |
+| Trial emails | **Ready** | Trial-ending and trial-expired templates |
-| SSO (Google) | **Ready** (needs keys) | Conditional loading, user creation/linking |
+| Access control (past_due) | **Ready** | Read-only grace period for failed payments |
-| SSO (Azure AD) | **Ready** (needs keys) | Uses deprecated `passport-azure-ad` (works, consider `@azure/msal-node`) |
+| Activation (magic link) | **Ready** | Full end-to-end flow |
-| Passkeys (WebAuthn) | **Ready** | Registration, authentication, removal with lockout protection |
+| Onboarding checklist | **Ready** | Server-side progress tracking |
-| Resend activation | **Stubbed** | Always returns success, no actual email sent |
+| Refresh tokens | **Ready** | Needs scheduled cleanup |
+| TOTP MFA | **Ready** | Full setup, enable, verify, recovery |
+| SSO (Google/Azure) | **Ready** (needs keys) | Conditional loading |
+| Passkeys (WebAuthn) | **Ready** | Registration, authentication, removal |
 
 ---
 
-## 13. API Endpoint Reference
+## 18. API Endpoint Reference
 
-### Billing (no auth unless noted)
+### Billing
 
 | Method | Path | Auth | Description |
 |--------|------|------|-------------|
-| `POST` | `/api/billing/create-checkout-session` | No | Create Stripe Checkout, returns `{ url }` |
+| `POST` | `/api/billing/start-trial` | No | Start 14-day no-card trial |
+| `POST` | `/api/billing/create-checkout-session` | No | Create Stripe Checkout (card-required flow) |
 | `POST` | `/api/webhooks/stripe` | Stripe sig | Webhook receiver |
-| `GET`  | `/api/billing/status?session_id=` | No | Poll provisioning status |
+| `GET` | `/api/billing/status?session_id=` | No | Poll provisioning status |
-| `POST` | `/api/billing/portal` | JWT | Stripe Customer Portal (stubbed) |
+| `GET` | `/api/billing/subscription` | JWT | Get current subscription info |
+| `POST` | `/api/billing/portal` | JWT | Create Stripe Customer Portal session |
+| `PUT` | `/api/admin/organizations/:id/billing` | JWT (superadmin) | Switch billing method (card/invoice) |
 
 ### Auth
 
@@ -515,62 +544,44 @@ SSO providers are **conditionally loaded** -- they only appear on the login page
 | `POST` | `/api/auth/refresh` | Cookie | Refresh access token |
 | `POST` | `/api/auth/logout` | Cookie | Logout current session |
 | `POST` | `/api/auth/logout-everywhere` | JWT | Revoke all sessions |
-| `GET`  | `/api/auth/activate?token=` | No | Validate activation token |
+| `GET` | `/api/auth/activate?token=` | No | Validate activation token |
 | `POST` | `/api/auth/activate` | No | Set password + activate |
-| `POST` | `/api/auth/resend-activation` | No | Resend activation (stubbed) |
+| `POST` | `/api/auth/resend-activation` | No | Resend activation email |
-| `GET`  | `/api/auth/profile` | JWT | Get user profile |
+| `GET` | `/api/auth/profile` | JWT | Get user profile |
 | `POST` | `/api/auth/switch-org` | JWT | Switch organization |
 
-### MFA
-
-| Method | Path | Auth | Description |
-|--------|------|------|-------------|
-| `POST` | `/api/auth/mfa/setup` | JWT | Generate QR code + secret |
-| `POST` | `/api/auth/mfa/enable` | JWT | Enable MFA with TOTP code |
-| `POST` | `/api/auth/mfa/verify` | mfaToken | Verify during login |
-| `POST` | `/api/auth/mfa/disable` | JWT | Disable (requires password) |
-| `GET`  | `/api/auth/mfa/status` | JWT | Check MFA status |
-
-### SSO
-
-| Method | Path | Auth | Description |
-|--------|------|------|-------------|
-| `GET`  | `/api/auth/sso/providers` | No | List available providers |
-| `GET`  | `/api/auth/google/callback` | OAuth | Google callback handler |
-| `GET`  | `/api/auth/azure/callback` | OAuth | Azure callback handler |
-| `DELETE` | `/api/auth/sso/unlink/:provider` | JWT | Unlink SSO account |
-
-### Passkeys
-
-| Method | Path | Auth | Description |
-|--------|------|------|-------------|
-| `POST` | `/api/auth/passkeys/register-options` | JWT | Get registration options |
-| `POST` | `/api/auth/passkeys/register` | JWT | Complete registration |
-| `POST` | `/api/auth/passkeys/login-options` | No | Get authentication options |
-| `POST` | `/api/auth/passkeys/login` | No | Authenticate with passkey |
-| `GET`  | `/api/auth/passkeys` | JWT | List user's passkeys |
-| `DELETE` | `/api/auth/passkeys/:id` | JWT | Remove a passkey |
-
 ### Onboarding
 
 | Method | Path | Auth | Description |
 |--------|------|------|-------------|
-| `GET`  | `/api/onboarding/progress` | JWT | Get onboarding progress |
+| `GET` | `/api/onboarding/progress` | JWT | Get onboarding progress |
 | `PATCH` | `/api/onboarding/progress` | JWT | Mark step complete |
 
 ---
 
-## Database Tables Added (Migration 015)
+## Database Tables & Columns
+
+### Tables Added (Migration 015)
 
 | Table | Purpose |
 |-------|---------|
-| `shared.refresh_tokens` | Stores SHA-256 hashed refresh tokens with expiry/revocation |
+| `shared.refresh_tokens` | Hashed refresh tokens with expiry/revocation |
-| `shared.stripe_events` | Idempotency ledger for Stripe webhook events |
+| `shared.stripe_events` | Idempotency ledger for Stripe webhooks |
-| `shared.invite_tokens` | Tracks activation/invite magic links |
+| `shared.invite_tokens` | Activation/invite magic links |
 | `shared.onboarding_progress` | Per-org onboarding step completion |
-| `shared.user_passkeys` | WebAuthn credential storage |
+| `shared.user_passkeys` | WebAuthn credentials |
-| `shared.email_log` | Stubbed email audit trail |
+| `shared.email_log` | Email audit trail |
 
-Columns added to existing tables:
+### Columns Added to `shared.organizations`
-- `shared.organizations`: `stripe_customer_id`, `stripe_subscription_id`, `trial_ends_at`
+
-- `shared.users`: `totp_verified_at`, `recovery_codes`, `webauthn_challenge`
+| Column | Type | Migration | Description |
+|--------|------|-----------|-------------|
+| `stripe_customer_id` | VARCHAR(255) UNIQUE | 015 | Stripe customer ID |
+| `stripe_subscription_id` | VARCHAR(255) UNIQUE | 015 | Stripe subscription ID |
+| `trial_ends_at` | TIMESTAMPTZ | 015 | Trial expiration date |
+| `billing_interval` | VARCHAR(20) | 017 | `month` or `year` |
+| `collection_method` | VARCHAR(20) | 017 | `charge_automatically` or `send_invoice` |
+
+### Organization Status Values
+
+`active`, `trial`, `past_due`, `suspended`, `archived`

backend/src/app.module.ts

@@ -1,5 +1,5 @@
 import { Module, MiddlewareConsumer, NestModule } from '@nestjs/common';
-import { APP_GUARD } from '@nestjs/core';
+import { APP_GUARD, APP_INTERCEPTOR } from '@nestjs/core';
 import { ConfigModule, ConfigService } from '@nestjs/config';
 import { TypeOrmModule } from '@nestjs/typeorm';
 import { ThrottlerModule } from '@nestjs/throttler';
@@ -7,6 +7,7 @@ import { AppController } from './app.controller';
 import { DatabaseModule } from './database/database.module';
 import { TenantMiddleware } from './database/tenant.middleware';
 import { WriteAccessGuard } from './common/guards/write-access.guard';
+import { NoCacheInterceptor } from './common/interceptors/no-cache.interceptor';
 import { AuthModule } from './modules/auth/auth.module';
 import { OrganizationsModule } from './modules/organizations/organizations.module';
 import { UsersModule } from './modules/users/users.module';
@@ -95,6 +96,10 @@ import { ScheduleModule } from '@nestjs/schedule';
       provide: APP_GUARD,
       useClass: WriteAccessGuard,
     },
+    {
+      provide: APP_INTERCEPTOR,
+      useClass: NoCacheInterceptor,
+    },
   ],
 })
 export class AppModule implements NestModule {

backend/src/common/guards/write-access.guard.ts

@@ -30,6 +30,13 @@ export class WriteAccessGuard implements CanActivate {
       throw new ForbiddenException('Read-only users cannot modify data');
     }
 
+    // Block writes for past_due organizations (grace period: read-only access)
+    if (request.orgPastDue) {
+      throw new ForbiddenException(
+        'Your subscription is past due. Please update your payment method to continue making changes.',
+      );
+    }
+
     return true;
   }
 }

backend/src/common/interceptors/no-cache.interceptor.ts

@@ -0,0 +1,16 @@
+import { Injectable, NestInterceptor, ExecutionContext, CallHandler } from '@nestjs/common';
+import { Observable } from 'rxjs';
+
+/**
+ * Prevents browsers and proxies from caching authenticated API responses
+ * containing sensitive financial data (account balances, transactions, PII).
+ */
+@Injectable()
+export class NoCacheInterceptor implements NestInterceptor {
+  intercept(context: ExecutionContext, next: CallHandler): Observable<any> {
+    const res = context.switchToHttp().getResponse();
+    res.setHeader('Cache-Control', 'no-store, no-cache, must-revalidate, private');
+    res.setHeader('Pragma', 'no-cache');
+    return next.handle();
+  }
+}

backend/src/database/tenant.middleware.ts

@@ -9,6 +9,7 @@ export interface TenantRequest extends Request {
   orgId?: string;
   userId?: string;
   userRole?: string;
+  orgPastDue?: boolean;
 }
 
 @Injectable()
@@ -41,6 +42,10 @@ export class TenantMiddleware implements NestMiddleware {
               });
               return;
             }
+            // past_due: allow through with read-only flag (WriteAccessGuard enforces)
+            if (orgInfo.status === 'past_due') {
+              req.orgPastDue = true;
+            }
             req.tenantSchema = orgInfo.schemaName;
           }
           req.orgId = decoded.orgId;

backend/src/modules/accounts/accounts.service.ts

@@ -74,9 +74,9 @@ export class AccountsService {
 
     // Create opening balance journal entry if initialBalance is provided and non-zero
     if (dto.initialBalance && dto.initialBalance !== 0) {
-      const now = new Date();
+      const balanceDate = dto.initialBalanceDate ? new Date(dto.initialBalanceDate) : new Date();
-      const year = now.getFullYear();
+      const year = balanceDate.getFullYear();
-      const month = now.getMonth() + 1;
+      const month = balanceDate.getMonth() + 1;
 
       // Find the current fiscal period
       const periods = await this.tenant.query(
@@ -111,12 +111,14 @@ export class AccountsService {
           );
         }
 
-        // Create the journal entry
+        // Create the journal entry (use provided balance date or today)
+        const entryDate = dto.initialBalanceDate || new Date().toISOString().split('T')[0];
         const jeInsert = await this.tenant.query(
           `INSERT INTO journal_entries (entry_date, description, entry_type, fiscal_period_id, is_posted, posted_at, created_by)
-           VALUES (CURRENT_DATE, $1, 'opening_balance', $2, true, NOW(), $3)
+           VALUES ($1::date, $2, 'opening_balance', $3, true, NOW(), $4)
            RETURNING id`,
           [
+            entryDate,
             `Opening balance for ${dto.name}`,
             fiscalPeriodId,
             '00000000-0000-0000-0000-000000000000',

backend/src/modules/accounts/dto/create-account.dto.ts

@@ -37,6 +37,11 @@ export class CreateAccountDto {
   @IsOptional()
   initialBalance?: number;
 
+  @ApiProperty({ required: false, description: 'ISO date string (YYYY-MM-DD) for when the initial balance was accurate' })
+  @IsString()
+  @IsOptional()
+  initialBalanceDate?: string;
+
   @ApiProperty({ required: false, description: 'Annual interest rate as a percentage' })
   @IsOptional()
   interestRate?: number;

backend/src/modules/auth/auth.controller.ts

@@ -8,6 +8,8 @@ import {
   Get,
   Res,
   Query,
+  HttpCode,
+  ForbiddenException,
   BadRequestException,
 } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
@@ -23,6 +25,7 @@ import { AllowViewer } from '../../common/decorators/allow-viewer.decorator';
 
 const COOKIE_NAME = 'ledgeriq_rt';
 const isProduction = process.env.NODE_ENV === 'production';
+const isOpenRegistration = process.env.ALLOW_OPEN_REGISTRATION === 'true';
 
 function setRefreshCookie(res: Response, token: string) {
   res.cookie(COOKIE_NAME, token, {
@@ -49,9 +52,14 @@ export class AuthController {
   constructor(private authService: AuthService) {}
 
   @Post('register')
-  @ApiOperation({ summary: 'Register a new user' })
+  @ApiOperation({ summary: 'Register a new user (disabled unless ALLOW_OPEN_REGISTRATION=true)' })
   @Throttle({ default: { limit: 5, ttl: 60000 } })
   async register(@Body() dto: RegisterDto, @Res({ passthrough: true }) res: Response) {
+    if (!isOpenRegistration) {
+      throw new ForbiddenException(
+        'Open registration is disabled. Please use an invitation link to create your account.',
+      );
+    }
     const result = await this.authService.register(dto);
     if (result.refreshToken) {
       setRefreshCookie(res, result.refreshToken);
@@ -93,6 +101,7 @@ export class AuthController {
 
   @Post('logout')
   @ApiOperation({ summary: 'Logout and revoke refresh token' })
+  @HttpCode(200)
   async logout(@Request() req: any, @Res({ passthrough: true }) res: Response) {
     const rawToken = req.cookies?.[COOKIE_NAME];
     if (rawToken) {
@@ -104,6 +113,7 @@ export class AuthController {
 
   @Post('logout-everywhere')
   @ApiOperation({ summary: 'Revoke all sessions' })
+  @HttpCode(200)
   @ApiBearerAuth()
   @UseGuards(JwtAuthGuard)
   async logoutEverywhere(@Request() req: any, @Res({ passthrough: true }) res: Response) {
@@ -183,4 +193,51 @@ export class AuthController {
     // Stubbed — will be implemented when email service is ready
     return { success: true, message: 'If an account exists, a new activation link has been sent.' };
   }
+
+  // ─── Password Reset Flow ──────────────────────────────────────────
+
+  @Post('forgot-password')
+  @ApiOperation({ summary: 'Request a password reset email' })
+  @HttpCode(200)
+  @Throttle({ default: { limit: 3, ttl: 60000 } })
+  async forgotPassword(@Body() body: { email: string }) {
+    if (!body.email) throw new BadRequestException('Email is required');
+    await this.authService.requestPasswordReset(body.email);
+    // Always return same message to prevent account enumeration
+    return { message: 'If that email exists, a password reset link has been sent.' };
+  }
+
+  @Post('reset-password')
+  @ApiOperation({ summary: 'Reset password using a reset token' })
+  @HttpCode(200)
+  @Throttle({ default: { limit: 5, ttl: 60000 } })
+  async resetPassword(@Body() body: { token: string; newPassword: string }) {
+    if (!body.token || !body.newPassword) {
+      throw new BadRequestException('Token and newPassword are required');
+    }
+    if (body.newPassword.length < 8) {
+      throw new BadRequestException('Password must be at least 8 characters');
+    }
+    await this.authService.resetPassword(body.token, body.newPassword);
+    return { message: 'Password updated successfully.' };
+  }
+
+  @Patch('change-password')
+  @ApiOperation({ summary: 'Change password (authenticated)' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  @AllowViewer()
+  async changePassword(
+    @Request() req: any,
+    @Body() body: { currentPassword: string; newPassword: string },
+  ) {
+    if (!body.currentPassword || !body.newPassword) {
+      throw new BadRequestException('currentPassword and newPassword are required');
+    }
+    if (body.newPassword.length < 8) {
+      throw new BadRequestException('Password must be at least 8 characters');
+    }
+    await this.authService.changePassword(req.user.sub, body.currentPassword, body.newPassword);
+    return { message: 'Password changed successfully.' };
+  }
 }

backend/src/modules/auth/auth.service.ts

@@ -11,8 +11,9 @@ import { JwtService } from '@nestjs/jwt';
 import { ConfigService } from '@nestjs/config';
 import { DataSource } from 'typeorm';
 import * as bcrypt from 'bcryptjs';
-import { createHash } from 'crypto';
+import { randomBytes, createHash } from 'crypto';
 import { UsersService } from '../users/users.service';
+import { EmailService } from '../email/email.service';
 import { RegisterDto } from './dto/register.dto';
 import { User } from '../users/entities/user.entity';
 import { RefreshTokenService } from './refresh-token.service';
@@ -21,6 +22,7 @@ import { RefreshTokenService } from './refresh-token.service';
 export class AuthService {
   private readonly logger = new Logger(AuthService.name);
   private readonly inviteSecret: string;
+  private readonly appUrl: string;
 
   constructor(
     private usersService: UsersService,
@@ -28,8 +30,10 @@ export class AuthService {
     private configService: ConfigService,
     private dataSource: DataSource,
     private refreshTokenService: RefreshTokenService,
+    private emailService: EmailService,
   ) {
     this.inviteSecret = this.configService.get<string>('INVITE_TOKEN_SECRET') || 'dev-invite-secret';
+    this.appUrl = this.configService.get<string>('APP_URL') || 'http://localhost:5173';
   }
 
   async register(dto: RegisterDto) {
@@ -309,6 +313,105 @@ export class AuthService {
     return token;
   }
 
+  // ─── Password Reset Flow ──────────────────────────────────────────
+
+  /**
+   * Request a password reset. Generates a token, stores its hash, and sends an email.
+   * Silently succeeds even if the email doesn't exist (prevents enumeration).
+   */
+  async requestPasswordReset(email: string): Promise<void> {
+    const user = await this.usersService.findByEmail(email);
+    if (!user) {
+      // Silently return — don't reveal whether the account exists
+      return;
+    }
+
+    // Invalidate any existing reset tokens for this user
+    await this.dataSource.query(
+      `UPDATE shared.password_reset_tokens SET used_at = NOW()
+       WHERE user_id = $1 AND used_at IS NULL`,
+      [user.id],
+    );
+
+    // Generate a 64-byte random token
+    const rawToken = randomBytes(64).toString('base64url');
+    const tokenHash = createHash('sha256').update(rawToken).digest('hex');
+    const expiresAt = new Date(Date.now() + 15 * 60 * 1000); // 15 minutes
+
+    await this.dataSource.query(
+      `INSERT INTO shared.password_reset_tokens (user_id, token_hash, expires_at)
+       VALUES ($1, $2, $3)`,
+      [user.id, tokenHash, expiresAt],
+    );
+
+    const resetUrl = `${this.appUrl}/reset-password?token=${rawToken}`;
+    await this.emailService.sendPasswordResetEmail(user.email, resetUrl);
+  }
+
+  /**
+   * Reset password using a valid reset token.
+   */
+  async resetPassword(rawToken: string, newPassword: string): Promise<void> {
+    const tokenHash = createHash('sha256').update(rawToken).digest('hex');
+
+    const rows = await this.dataSource.query(
+      `SELECT id, user_id, expires_at, used_at
+       FROM shared.password_reset_tokens
+       WHERE token_hash = $1`,
+      [tokenHash],
+    );
+
+    if (rows.length === 0) {
+      throw new BadRequestException('Invalid or expired reset token');
+    }
+
+    const record = rows[0];
+
+    if (record.used_at) {
+      throw new BadRequestException('This reset link has already been used');
+    }
+
+    if (new Date(record.expires_at) < new Date()) {
+      throw new BadRequestException('This reset link has expired');
+    }
+
+    // Update password
+    const passwordHash = await bcrypt.hash(newPassword, 12);
+    await this.dataSource.query(
+      `UPDATE shared.users SET password_hash = $1, updated_at = NOW() WHERE id = $2`,
+      [passwordHash, record.user_id],
+    );
+
+    // Mark token as used
+    await this.dataSource.query(
+      `UPDATE shared.password_reset_tokens SET used_at = NOW() WHERE id = $1`,
+      [record.id],
+    );
+  }
+
+  /**
+   * Change password for an authenticated user (requires current password).
+   */
+  async changePassword(userId: string, currentPassword: string, newPassword: string): Promise<void> {
+    const user = await this.usersService.findById(userId);
+    if (!user || !user.passwordHash) {
+      throw new UnauthorizedException('User not found');
+    }
+
+    const isValid = await bcrypt.compare(currentPassword, user.passwordHash);
+    if (!isValid) {
+      throw new UnauthorizedException('Current password is incorrect');
+    }
+
+    const passwordHash = await bcrypt.hash(newPassword, 12);
+    await this.dataSource.query(
+      `UPDATE shared.users SET password_hash = $1, updated_at = NOW() WHERE id = $2`,
+      [passwordHash, userId],
+    );
+  }
+
+  // ─── Private Helpers ──────────────────────────────────────────────
+
   private async recordLoginHistory(
     userId: string,
     organizationId: string | null,

backend/src/modules/billing/billing.controller.ts

@@ -1,34 +1,63 @@
 import {
   Controller,
   Post,
+  Put,
   Get,
   Body,
+  Param,
   Query,
   Req,
   UseGuards,
   RawBodyRequest,
   BadRequestException,
+  ForbiddenException,
   Request,
 } from '@nestjs/common';
 import { ApiTags, ApiOperation, ApiBearerAuth } from '@nestjs/swagger';
 import { Throttle } from '@nestjs/throttler';
 import { Request as ExpressRequest } from 'express';
+import { DataSource } from 'typeorm';
 import { BillingService } from './billing.service';
 import { JwtAuthGuard } from '../auth/guards/jwt-auth.guard';
 
 @ApiTags('billing')
 @Controller()
 export class BillingController {
-  constructor(private billingService: BillingService) {}
+  constructor(
+    private billingService: BillingService,
+    private dataSource: DataSource,
+  ) {}
+
+  @Post('billing/start-trial')
+  @ApiOperation({ summary: 'Start a free trial (no card required)' })
+  @Throttle({ default: { limit: 10, ttl: 60000 } })
+  async startTrial(
+    @Body() body: { planId: string; billingInterval?: 'month' | 'year'; email: string; businessName: string },
+  ) {
+    if (!body.planId) throw new BadRequestException('planId is required');
+    if (!body.email) throw new BadRequestException('email is required');
+    if (!body.businessName) throw new BadRequestException('businessName is required');
+    return this.billingService.startTrial(
+      body.planId,
+      body.billingInterval || 'month',
+      body.email,
+      body.businessName,
+    );
+  }
 
   @Post('billing/create-checkout-session')
   @ApiOperation({ summary: 'Create a Stripe Checkout Session' })
   @Throttle({ default: { limit: 10, ttl: 60000 } })
   async createCheckout(
-    @Body() body: { planId: string; email?: string; businessName?: string },
+    @Body() body: { planId: string; billingInterval?: 'month' | 'year'; email?: string; businessName?: string },
   ) {
     if (!body.planId) throw new BadRequestException('planId is required');
-    return this.billingService.createCheckoutSession(body.planId, body.email, body.businessName);
+    return this.billingService.createCheckoutSession(
+      body.planId,
+      body.billingInterval || 'month',
+      body.email,
+      body.businessName,
+    );
   }
 
   @Post('webhooks/stripe')
@@ -42,22 +71,63 @@ export class BillingController {
   }
 
   @Get('billing/status')
-  @ApiOperation({ summary: 'Check provisioning status for a checkout session' })
+  @ApiOperation({ summary: 'Check provisioning status for a checkout session or subscription' })
   async getStatus(@Query('session_id') sessionId: string) {
     if (!sessionId) throw new BadRequestException('session_id required');
     return this.billingService.getProvisioningStatus(sessionId);
   }
 
+  @Get('billing/subscription')
+  @ApiOperation({ summary: 'Get current subscription info' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  async getSubscription(@Request() req: any) {
+    const orgId = req.user.orgId;
+    if (!orgId) throw new BadRequestException('No organization context');
+    return this.billingService.getSubscriptionInfo(orgId);
+  }
+
   @Post('billing/portal')
   @ApiOperation({ summary: 'Create Stripe Customer Portal session' })
   @ApiBearerAuth()
   @UseGuards(JwtAuthGuard)
   async createPortal(@Request() req: any) {
-    // Lookup the org's stripe_customer_id
-    // Only allow president or superadmin
     const orgId = req.user.orgId;
     if (!orgId) throw new BadRequestException('No organization context');
-    // For now, we'd look this up from the org
+    return this.billingService.createPortalSession(orgId);
-    throw new BadRequestException('Portal session requires stripe_customer_id lookup — implement per org context');
+  }
+
+  // ─── Admin: Switch Billing Method (ACH / Invoice) ──────────
+
+  @Put('admin/organizations/:id/billing')
+  @ApiOperation({ summary: 'Switch organization billing method (superadmin only)' })
+  @ApiBearerAuth()
+  @UseGuards(JwtAuthGuard)
+  async updateBillingMethod(
+    @Request() req: any,
+    @Param('id') id: string,
+    @Body() body: { collectionMethod: 'charge_automatically' | 'send_invoice'; daysUntilDue?: number },
+  ) {
+    // Require superadmin
+    const userId = req.user.userId || req.user.sub;
+    const userRows = await this.dataSource.query(
+      `SELECT is_superadmin FROM shared.users WHERE id = $1`,
+      [userId],
+    );
+    if (!userRows.length || !userRows[0].is_superadmin) {
+      throw new ForbiddenException('Superadmin access required');
+    }
+
+    if (!['charge_automatically', 'send_invoice'].includes(body.collectionMethod)) {
+      throw new BadRequestException('collectionMethod must be "charge_automatically" or "send_invoice"');
+    }
+
+    await this.billingService.switchToInvoiceBilling(
+      id,
+      body.collectionMethod,
+      body.daysUntilDue || 30,
+    );
+
+    return { success: true };
   }
 }

backend/src/modules/billing/billing.service.ts

@@ -14,12 +14,15 @@ const PLAN_FEATURES: Record<string, { name: string; unitLimit: number }> = {
   enterprise: { name: 'Enterprise', unitLimit: 999999 },
 };
 
+type BillingInterval = 'month' | 'year';
+
 @Injectable()
 export class BillingService {
   private readonly logger = new Logger(BillingService.name);
   private stripe: Stripe | null = null;
   private webhookSecret: string;
-  private priceMap: Record<string, string>;
+  private priceMap: Record<string, { monthly: string; annual: string }>;
+  private requirePaymentForTrial: boolean;
 
   constructor(
     private configService: ConfigService,
@@ -37,27 +40,118 @@ export class BillingService {
     }
 
     this.webhookSecret = this.configService.get<string>('STRIPE_WEBHOOK_SECRET') || '';
+    this.requirePaymentForTrial =
+      this.configService.get<string>('REQUIRE_PAYMENT_METHOD_FOR_TRIAL') === 'true';
+
+    // Build price map with backward-compat: new monthly vars fall back to old single vars
     this.priceMap = {
-      starter: this.configService.get<string>('STRIPE_STARTER_PRICE_ID') || '',
+      starter: {
-      professional: this.configService.get<string>('STRIPE_PROFESSIONAL_PRICE_ID') || '',
+        monthly: this.configService.get<string>('STRIPE_STARTER_MONTHLY_PRICE_ID')
-      enterprise: this.configService.get<string>('STRIPE_ENTERPRISE_PRICE_ID') || '',
+          || this.configService.get<string>('STRIPE_STARTER_PRICE_ID') || '',
+        annual: this.configService.get<string>('STRIPE_STARTER_ANNUAL_PRICE_ID') || '',
+      },
+      professional: {
+        monthly: this.configService.get<string>('STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID')
+          || this.configService.get<string>('STRIPE_PROFESSIONAL_PRICE_ID') || '',
+        annual: this.configService.get<string>('STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID') || '',
+      },
+      enterprise: {
+        monthly: this.configService.get<string>('STRIPE_ENTERPRISE_MONTHLY_PRICE_ID')
+          || this.configService.get<string>('STRIPE_ENTERPRISE_PRICE_ID') || '',
+        annual: this.configService.get<string>('STRIPE_ENTERPRISE_ANNUAL_PRICE_ID') || '',
+      },
     };
   }
 
+  // ─── Price Resolution ────────────────────────────────────────
+
+  private getPriceId(planId: string, interval: BillingInterval): string {
+    const plan = this.priceMap[planId];
+    if (!plan) throw new BadRequestException(`Invalid plan: ${planId}`);
+    const priceId = interval === 'year' ? plan.annual : plan.monthly;
+    if (!priceId || priceId.includes('placeholder')) {
+      throw new BadRequestException(`Price not configured for ${planId} (${interval})`);
+    }
+    return priceId;
+  }
+
+  // ─── Trial Signup (No Card Required) ────────────────────────
+
+  /**
+   * Start a free trial without collecting payment.
+   * Creates a Stripe customer + subscription with trial_period_days,
+   * then provisions the organization immediately.
+   */
+  async startTrial(
+    planId: string,
+    billingInterval: BillingInterval,
+    email: string,
+    businessName: string,
+  ): Promise<{ success: boolean; subscriptionId: string }> {
+    if (!this.stripe) throw new BadRequestException('Stripe not configured');
+    if (!email) throw new BadRequestException('Email is required');
+    if (!businessName) throw new BadRequestException('Business name is required');
+
+    const priceId = this.getPriceId(planId, billingInterval);
+
+    // 1. Create Stripe customer
+    const customer = await this.stripe.customers.create({
+      email,
+      metadata: { plan_id: planId, business_name: businessName, billing_interval: billingInterval },
+    });
+
+    // 2. Create subscription with 14-day trial (no payment method)
+    const subscription = await this.stripe.subscriptions.create({
+      customer: customer.id,
+      items: [{ price: priceId }],
+      trial_period_days: 14,
+      payment_settings: {
+        save_default_payment_method: 'on_subscription',
+      },
+      trial_settings: {
+        end_behavior: { missing_payment_method: 'cancel' },
+      },
+      metadata: { plan_id: planId, business_name: businessName, billing_interval: billingInterval },
+    });
+
+    const trialEnd = subscription.trial_end
+      ? new Date(subscription.trial_end * 1000)
+      : new Date(Date.now() + 14 * 24 * 60 * 60 * 1000);
+
+    // 3. Provision organization immediately with trial status
+    await this.provisionOrganization(
+      customer.id,
+      subscription.id,
+      email,
+      planId,
+      businessName,
+      'trial',
+      billingInterval,
+      trialEnd,
+    );
+
+    this.logger.log(`Trial started for ${email}, plan=${planId}, interval=${billingInterval}`);
+    return { success: true, subscriptionId: subscription.id };
+  }
+
+  // ─── Checkout Session (Card-required flow / post-trial) ─────
+
   /**
    * Create a Stripe Checkout Session for a new subscription.
+   * Used when REQUIRE_PAYMENT_METHOD_FOR_TRIAL=true, or for
+   * post-trial conversion where the user adds a payment method.
    */
-  async createCheckoutSession(planId: string, email?: string, businessName?: string): Promise<{ url: string }> {
+  async createCheckoutSession(
-    if (!this.stripe) {
+    planId: string,
-      throw new BadRequestException('Stripe not configured');
+    billingInterval: BillingInterval = 'month',
-    }
+    email?: string,
+    businessName?: string,
+  ): Promise<{ url: string }> {
+    if (!this.stripe) throw new BadRequestException('Stripe not configured');
 
-    const priceId = this.priceMap[planId];
+    const priceId = this.getPriceId(planId, billingInterval);
-    if (!priceId || priceId.includes('placeholder')) {
-      throw new BadRequestException(`Invalid plan: ${planId}`);
-    }
 
-    const session = await this.stripe.checkout.sessions.create({
+    const sessionConfig: Stripe.Checkout.SessionCreateParams = {
       mode: 'subscription',
       payment_method_types: ['card'],
       line_items: [{ price: priceId, quantity: 1 }],
@@ -67,12 +161,28 @@ export class BillingService {
       metadata: {
         plan_id: planId,
         business_name: businessName || '',
+        billing_interval: billingInterval,
       },
-    });
+    };
 
+    // If trial is card-required, add trial period to checkout
+    if (this.requirePaymentForTrial) {
+      sessionConfig.subscription_data = {
+        trial_period_days: 14,
+        metadata: {
+          plan_id: planId,
+          business_name: businessName || '',
+          billing_interval: billingInterval,
+        },
+      };
+    }
+
+    const session = await this.stripe.checkout.sessions.create(sessionConfig);
     return { url: session.url! };
   }
 
+  // ─── Webhook Handling ───────────────────────────────────────
+
   /**
    * Handle a Stripe webhook event.
    */
@@ -117,19 +227,39 @@ export class BillingService {
       case 'customer.subscription.deleted':
         await this.handleSubscriptionDeleted(event.data.object as Stripe.Subscription);
         break;
+      case 'customer.subscription.trial_will_end':
+        await this.handleTrialWillEnd(event.data.object as Stripe.Subscription);
+        break;
+      case 'customer.subscription.updated':
+        await this.handleSubscriptionUpdated(event.data.object as Stripe.Subscription);
+        break;
       default:
         this.logger.log(`Unhandled Stripe event: ${event.type}`);
     }
   }
 
+  // ─── Provisioning Status ────────────────────────────────────
+
   /**
-   * Get provisioning status for a checkout session.
+   * Get provisioning status for a checkout session OR subscription ID.
    */
   async getProvisioningStatus(sessionId: string): Promise<{ status: string; activationUrl?: string }> {
     if (!this.stripe) return { status: 'not_configured' };
 
-    const session = await this.stripe.checkout.sessions.retrieve(sessionId);
+    // Try as checkout session first
-    const customerId = session.customer as string;
+    let customerId: string | null = null;
+    try {
+      const session = await this.stripe.checkout.sessions.retrieve(sessionId);
+      customerId = session.customer as string;
+    } catch {
+      // Not a checkout session — try looking up by subscription ID
+      try {
+        const subscription = await this.stripe.subscriptions.retrieve(sessionId);
+        customerId = subscription.customer as string;
+      } catch {
+        return { status: 'pending' };
+      }
+    }
 
     if (!customerId) return { status: 'pending' };
 
@@ -139,15 +269,56 @@ export class BillingService {
     );
 
     if (rows.length === 0) return { status: 'provisioning' };
-    if (rows[0].status === 'active') return { status: 'active' };
+    if (['active', 'trial'].includes(rows[0].status)) return { status: 'active' };
     return { status: 'provisioning' };
   }
 
+  // ─── Stripe Customer Portal ─────────────────────────────────
+
   /**
-   * Create a Stripe Customer Portal session.
+   * Create a Stripe Customer Portal session for managing subscription.
    */
-  async createPortalSession(customerId: string): Promise<{ url: string }> {
+  async createPortalSession(orgId: string): Promise<{ url: string }> {
-    if (!this.stripe) throw new BadRequestException('Stripe not configured');
+    if (!this.stripe) throw new BadRequestException('Stripe is not configured');
+
+    const rows = await this.dataSource.query(
+      `SELECT stripe_customer_id, stripe_subscription_id, status
+       FROM shared.organizations WHERE id = $1`,
+      [orgId],
+    );
+    if (rows.length === 0) {
+      throw new BadRequestException('Organization not found');
+    }
+
+    let customerId = rows[0].stripe_customer_id;
+
+    // Fallback: if customer ID is missing but subscription exists, retrieve customer from subscription
+    if (!customerId && rows[0].stripe_subscription_id) {
+      try {
+        const sub = await this.stripe.subscriptions.retrieve(rows[0].stripe_subscription_id) as Stripe.Subscription;
+        customerId = typeof sub.customer === 'string' ? sub.customer : sub.customer?.id;
+        if (customerId) {
+          // Backfill the customer ID for future calls
+          await this.dataSource.query(
+            `UPDATE shared.organizations SET stripe_customer_id = $1 WHERE id = $2`,
+            [customerId, orgId],
+          );
+          this.logger.log(`Backfilled stripe_customer_id=${customerId} for org=${orgId}`);
+        }
+      } catch (err) {
+        this.logger.warn(`Failed to retrieve customer from subscription: ${(err as Error).message}`);
+      }
+    }
+
+    if (!customerId) {
+      const status = rows[0].status;
+      if (status === 'trial') {
+        throw new BadRequestException(
+          'Billing portal is not available during your free trial. Add a payment method when your trial ends to manage your subscription.',
+        );
+      }
+      throw new BadRequestException('No Stripe customer found for this organization. Please contact support.');
+    }
 
     const session = await this.stripe.billingPortal.sessions.create({
       customer: customerId,
@@ -157,7 +328,105 @@ export class BillingService {
     return { url: session.url };
   }
 
-  // ─── Provisioning (inline, no BullMQ for now — add queue later) ─────
+  // ─── Subscription Info ──────────────────────────────────────
+
+  /**
+   * Get current subscription details for the Settings billing tab.
+   */
+  async getSubscriptionInfo(orgId: string): Promise<{
+    plan: string;
+    planName: string;
+    billingInterval: string;
+    status: string;
+    collectionMethod: string;
+    trialEndsAt: string | null;
+    currentPeriodEnd: string | null;
+    cancelAtPeriodEnd: boolean;
+    hasStripeCustomer: boolean;
+  }> {
+    const rows = await this.dataSource.query(
+      `SELECT plan_level, billing_interval, status, collection_method,
+              trial_ends_at, stripe_subscription_id, stripe_customer_id
+       FROM shared.organizations WHERE id = $1`,
+      [orgId],
+    );
+
+    if (rows.length === 0) throw new BadRequestException('Organization not found');
+
+    const org = rows[0];
+    let currentPeriodEnd: string | null = null;
+    let cancelAtPeriodEnd = false;
+
+    // Fetch live data from Stripe if available
+    if (this.stripe && org.stripe_subscription_id) {
+      try {
+        const sub = await this.stripe.subscriptions.retrieve(org.stripe_subscription_id, {
+          expand: ['items.data'],
+        }) as Stripe.Subscription;
+        // current_period_end is on the subscription item in newer Stripe API versions
+        const firstItem = sub.items?.data?.[0];
+        if (firstItem?.current_period_end) {
+          currentPeriodEnd = new Date(firstItem.current_period_end * 1000).toISOString();
+        }
+        cancelAtPeriodEnd = sub.cancel_at_period_end;
+      } catch {
+        // Non-critical — use DB data only
+      }
+    }
+
+    return {
+      plan: org.plan_level || 'starter',
+      planName: PLAN_FEATURES[org.plan_level]?.name || org.plan_level || 'Starter',
+      billingInterval: org.billing_interval || 'month',
+      status: org.status || 'active',
+      collectionMethod: org.collection_method || 'charge_automatically',
+      trialEndsAt: org.trial_ends_at ? new Date(org.trial_ends_at).toISOString() : null,
+      currentPeriodEnd,
+      cancelAtPeriodEnd,
+      hasStripeCustomer: !!org.stripe_customer_id,
+    };
+  }
+
+  // ─── Invoice / ACH Billing (Admin) ──────────────────────────
+
+  /**
+   * Switch a customer's subscription to invoice collection (ACH/wire).
+   * Admin-only operation for enterprise customers.
+   */
+  async switchToInvoiceBilling(
+    orgId: string,
+    collectionMethod: 'charge_automatically' | 'send_invoice',
+    daysUntilDue: number = 30,
+  ): Promise<void> {
+    if (!this.stripe) throw new BadRequestException('Stripe not configured');
+
+    const rows = await this.dataSource.query(
+      `SELECT stripe_subscription_id, stripe_customer_id FROM shared.organizations WHERE id = $1`,
+      [orgId],
+    );
+    if (rows.length === 0 || !rows[0].stripe_subscription_id) {
+      throw new BadRequestException('No Stripe subscription found for this organization');
+    }
+
+    const updateParams: Stripe.SubscriptionUpdateParams = {
+      collection_method: collectionMethod,
+    };
+    if (collectionMethod === 'send_invoice') {
+      updateParams.days_until_due = daysUntilDue;
+    }
+
+    await this.stripe.subscriptions.update(rows[0].stripe_subscription_id, updateParams);
+
+    // Update DB
+    await this.dataSource.query(
+      `UPDATE shared.organizations SET collection_method = $1, updated_at = NOW() WHERE id = $2`,
+      [collectionMethod, orgId],
+    );
+
+    this.logger.log(`Billing method updated for org ${orgId}: ${collectionMethod}`);
+  }
+
+  // ─── Webhook Handlers ──────────────────────────────────────
 
   private async handleCheckoutCompleted(session: Stripe.Checkout.Session): Promise<void> {
     const customerId = session.customer as string;
@@ -165,11 +434,27 @@ export class BillingService {
     const email = session.customer_email || session.customer_details?.email || '';
     const planId = session.metadata?.plan_id || 'starter';
     const businessName = session.metadata?.business_name || 'My HOA';
+    const billingInterval = (session.metadata?.billing_interval || 'month') as BillingInterval;
 
     this.logger.log(`Provisioning org for ${email}, plan=${planId}, customer=${customerId}`);
 
     try {
-      await this.provisionOrganization(customerId, subscriptionId, email, planId, businessName);
+      // Determine if this is a trial checkout (card required for trial)
+      let status: 'active' | 'trial' = 'active';
+      let trialEnd: Date | undefined;
+
+      if (this.stripe && subscriptionId) {
+        const sub = await this.stripe.subscriptions.retrieve(subscriptionId);
+        if (sub.status === 'trialing' && sub.trial_end) {
+          status = 'trial';
+          trialEnd = new Date(sub.trial_end * 1000);
+        }
+      }
+
+      await this.provisionOrganization(
+        customerId, subscriptionId, email, planId, businessName,
+        status, billingInterval, trialEnd,
+      );
     } catch (err: any) {
       this.logger.error(`Provisioning failed: ${err.message}`, err.stack);
     }
@@ -177,10 +462,10 @@ export class BillingService {
 
   private async handlePaymentSucceeded(invoice: Stripe.Invoice): Promise<void> {
     const customerId = invoice.customer as string;
-    // Activate tenant if it was pending
+    // Activate tenant if it was pending/trial
     await this.dataSource.query(
       `UPDATE shared.organizations SET status = 'active', updated_at = NOW()
-       WHERE stripe_customer_id = $1 AND status != 'active'`,
+       WHERE stripe_customer_id = $1 AND status IN ('trial', 'past_due')`,
       [customerId],
     );
   }
@@ -188,9 +473,17 @@ export class BillingService {
   private async handlePaymentFailed(invoice: Stripe.Invoice): Promise<void> {
     const customerId = invoice.customer as string;
     const rows = await this.dataSource.query(
-      `SELECT email FROM shared.organizations WHERE stripe_customer_id = $1`,
+      `SELECT email, name FROM shared.organizations WHERE stripe_customer_id = $1`,
       [customerId],
     );
+
+    // Set org to past_due for grace period (read-only access)
+    await this.dataSource.query(
+      `UPDATE shared.organizations SET status = 'past_due', updated_at = NOW()
+       WHERE stripe_customer_id = $1 AND status = 'active'`,
+      [customerId],
+    );
+
     if (rows.length > 0 && rows[0].email) {
       await this.emailService.sendPaymentFailedEmail(rows[0].email, rows[0].name || 'Your organization');
     }
@@ -207,6 +500,91 @@ export class BillingService {
     this.logger.log(`Subscription cancelled for customer ${customerId}`);
   }
 
+  private async handleTrialWillEnd(subscription: Stripe.Subscription): Promise<void> {
+    const customerId = subscription.customer as string;
+    const rows = await this.dataSource.query(
+      `SELECT id, email, name FROM shared.organizations WHERE stripe_customer_id = $1`,
+      [customerId],
+    );
+
+    if (rows.length === 0) return;
+
+    const org = rows[0];
+    const daysRemaining = 3; // This webhook fires 3 days before trial end
+    const settingsUrl = `${this.getAppUrl()}/settings`;
+
+    if (org.email) {
+      await this.emailService.sendTrialEndingEmail(
+        org.email,
+        org.name || 'Your organization',
+        daysRemaining,
+        settingsUrl,
+      );
+    }
+
+    this.logger.log(`Trial ending soon for customer ${customerId}, org ${org.id}`);
+  }
+
+  private async handleSubscriptionUpdated(subscription: Stripe.Subscription): Promise<void> {
+    const customerId = subscription.customer as string;
+
+    // Determine new status
+    let newStatus: string;
+    switch (subscription.status) {
+      case 'trialing':
+        newStatus = 'trial';
+        break;
+      case 'active':
+        newStatus = 'active';
+        break;
+      case 'past_due':
+        newStatus = 'past_due';
+        break;
+      case 'canceled':
+      case 'unpaid':
+        newStatus = 'archived';
+        break;
+      default:
+        return; // Don't update for other statuses
+    }
+
+    // Determine billing interval from the subscription items
+    let billingInterval: BillingInterval = 'month';
+    if (subscription.items?.data?.[0]?.price?.recurring?.interval === 'year') {
+      billingInterval = 'year';
+    }
+
+    // Determine plan from price metadata or existing mapping
+    let planId: string | null = null;
+    const activePriceId = subscription.items?.data?.[0]?.price?.id;
+    if (activePriceId) {
+      for (const [plan, prices] of Object.entries(this.priceMap)) {
+        if (prices.monthly === activePriceId || prices.annual === activePriceId) {
+          planId = plan;
+          break;
+        }
+      }
+    }
+
+    // Build update query dynamically
+    const updates: string[] = [`status = '${newStatus}'`, `billing_interval = '${billingInterval}'`, `updated_at = NOW()`];
+    if (planId) {
+      updates.push(`plan_level = '${planId}'`);
+    }
+    if (subscription.collection_method) {
+      updates.push(`collection_method = '${subscription.collection_method}'`);
+    }
+
+    await this.dataSource.query(
+      `UPDATE shared.organizations SET ${updates.join(', ')} WHERE stripe_customer_id = $1`,
+      [customerId],
+    );
+
+    this.logger.log(`Subscription updated for customer ${customerId}: status=${newStatus}, interval=${billingInterval}`);
+  }
+
+  // ─── Provisioning ──────────────────────────────────────────
+
   /**
    * Full provisioning flow: create org, schema, user, invite token, email.
    */
@@ -216,20 +594,26 @@ export class BillingService {
     email: string,
     planId: string,
     businessName: string,
+    status: 'active' | 'trial' = 'active',
+    billingInterval: BillingInterval = 'month',
+    trialEndsAt?: Date,
   ): Promise<void> {
     // 1. Create or upsert organization
     const schemaName = `tenant_${uuid().replace(/-/g, '').substring(0, 12)}`;
 
     const orgRows = await this.dataSource.query(
-      `INSERT INTO shared.organizations (name, schema_name, status, plan_level, stripe_customer_id, stripe_subscription_id, email)
+      `INSERT INTO shared.organizations
-       VALUES ($1, $2, 'active', $3, $4, $5, $6)
+         (name, schema_name, status, plan_level, stripe_customer_id, stripe_subscription_id, email, billing_interval, trial_ends_at)
+       VALUES ($1, $2, $3, $4, $5, $6, $7, $8, $9)
        ON CONFLICT (stripe_customer_id) DO UPDATE SET
          stripe_subscription_id = EXCLUDED.stripe_subscription_id,
          plan_level = EXCLUDED.plan_level,
-         status = 'active',
+         status = EXCLUDED.status,
+         billing_interval = EXCLUDED.billing_interval,
+         trial_ends_at = EXCLUDED.trial_ends_at,
          updated_at = NOW()
        RETURNING id, schema_name`,
-      [businessName, schemaName, planId, customerId, subscriptionId, email],
+      [businessName, schemaName, status, planId, customerId, subscriptionId, email, billingInterval, trialEndsAt || null],
     );
 
     const orgId = orgRows[0].id;
@@ -285,7 +669,7 @@ export class BillingService {
       [orgId],
     );
 
-    this.logger.log(`✅ Provisioning complete for org=${orgId}, user=${userId}`);
+    this.logger.log(`Provisioning complete for org=${orgId}, user=${userId}, status=${status}`);
   }
 
   private getAppUrl(): string {

backend/src/modules/email/email.service.ts

@@ -96,6 +96,42 @@ export class EmailService {
     await this.send(email, subject, html, 'invite_member', { orgName, inviteUrl });
   }
 
+  async sendTrialEndingEmail(email: string, businessName: string, daysRemaining: number, settingsUrl: string): Promise<void> {
+    const subject = `Your free trial ends in ${daysRemaining} days — ${businessName}`;
+    const html = this.buildTemplate({
+      preheader: `Your HOA LedgerIQ trial for ${businessName} is ending soon.`,
+      heading: `Your Trial Ends in ${daysRemaining} Days`,
+      body: `
+        <p>Your free trial for <strong>${this.esc(businessName)}</strong> on HOA LedgerIQ ends in <strong>${daysRemaining} days</strong>.</p>
+        <p>To continue using all features without interruption, add a payment method before your trial expires.</p>
+        <p>If you don't add a payment method, your account will become read-only and you won't be able to make changes to your data.</p>
+      `,
+      ctaText: 'Add Payment Method',
+      ctaUrl: settingsUrl,
+      footer: 'If you have any questions about plans or pricing, just reply to this email.',
+    });
+
+    await this.send(email, subject, html, 'trial_ending', { businessName, daysRemaining, settingsUrl });
+  }
+
+  async sendTrialExpiredEmail(email: string, businessName: string): Promise<void> {
+    const appUrl = this.configService.get<string>('APP_URL') || 'https://app.hoaledgeriq.com';
+    const subject = `Your free trial has ended — ${businessName}`;
+    const html = this.buildTemplate({
+      preheader: `Your HOA LedgerIQ trial for ${businessName} has ended.`,
+      heading: 'Your Trial Has Ended',
+      body: `
+        <p>The free trial for <strong>${this.esc(businessName)}</strong> on HOA LedgerIQ has ended.</p>
+        <p>Your data is safe and your account is preserved. Subscribe to a plan to regain full access to your HOA financial management tools.</p>
+      `,
+      ctaText: 'Choose a Plan',
+      ctaUrl: `${appUrl}/pricing`,
+      footer: 'Your data will be preserved. You can reactivate your account at any time by subscribing to a plan.',
+    });
+
+    await this.send(email, subject, html, 'trial_expired', { businessName });
+  }
+
   async sendPasswordResetEmail(email: string, resetUrl: string): Promise<void> {
     const subject = 'Reset your HOA LedgerIQ password';
     const html = this.buildTemplate({

db/migrations/016-password-reset-tokens.sql

@@ -0,0 +1,25 @@
+-- Migration 016: Password Reset Tokens
+-- Adds table for password reset token storage (hashed, single-use, short-lived).
+
+CREATE TABLE IF NOT EXISTS shared.password_reset_tokens (
+    id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),
+    user_id UUID NOT NULL REFERENCES shared.users(id) ON DELETE CASCADE,
+    token_hash VARCHAR(255) UNIQUE NOT NULL,
+    expires_at TIMESTAMPTZ NOT NULL,
+    used_at TIMESTAMPTZ,
+    created_at TIMESTAMPTZ DEFAULT NOW()
+);
+
+CREATE INDEX IF NOT EXISTS idx_password_reset_tokens_hash ON shared.password_reset_tokens(token_hash);
+CREATE INDEX IF NOT EXISTS idx_password_reset_tokens_user ON shared.password_reset_tokens(user_id);
+
+-- Also ensure email_log table exists (may not exist if migration 015 hasn't been applied)
+CREATE TABLE IF NOT EXISTS shared.email_log (
+    id UUID PRIMARY KEY DEFAULT uuid_generate_v4(),
+    to_email VARCHAR(255) NOT NULL,
+    subject VARCHAR(500) NOT NULL,
+    body TEXT,
+    template VARCHAR(100),
+    metadata JSONB,
+    sent_at TIMESTAMPTZ DEFAULT NOW()
+);

db/migrations/017-billing-enhancements.sql

@@ -0,0 +1,27 @@
+-- Migration 017: Billing Enhancements
+-- Adds support for annual billing, free trials, ACH/invoice billing,
+-- and past_due grace period status.
+
+-- ============================================================================
+-- 1. Add billing_interval column (month or year)
+-- ============================================================================
+ALTER TABLE shared.organizations ADD COLUMN IF NOT EXISTS billing_interval VARCHAR(20) DEFAULT 'month';
+
+-- ============================================================================
+-- 2. Add collection_method column (charge_automatically or send_invoice)
+-- ============================================================================
+ALTER TABLE shared.organizations ADD COLUMN IF NOT EXISTS collection_method VARCHAR(20) DEFAULT 'charge_automatically';
+
+-- ============================================================================
+-- 3. Update status CHECK to include 'past_due'
+-- ============================================================================
+ALTER TABLE shared.organizations DROP CONSTRAINT IF EXISTS organizations_status_check;
+ALTER TABLE shared.organizations ADD CONSTRAINT organizations_status_check
+  CHECK (status IN ('active', 'suspended', 'trial', 'archived', 'past_due'));
+
+-- ============================================================================
+-- 4. Ensure plan_level CHECK includes SaaS tiers (idempotent with 015)
+-- ============================================================================
+ALTER TABLE shared.organizations DROP CONSTRAINT IF EXISTS organizations_plan_level_check;
+ALTER TABLE shared.organizations ADD CONSTRAINT organizations_plan_level_check
+  CHECK (plan_level IN ('standard', 'premium', 'enterprise', 'starter', 'professional'));

docker-compose.prod.yml

@@ -45,6 +45,13 @@ services:
       - STRIPE_STARTER_PRICE_ID=${STRIPE_STARTER_PRICE_ID:-}
       - STRIPE_PROFESSIONAL_PRICE_ID=${STRIPE_PROFESSIONAL_PRICE_ID:-}
       - STRIPE_ENTERPRISE_PRICE_ID=${STRIPE_ENTERPRISE_PRICE_ID:-}
+      - STRIPE_STARTER_MONTHLY_PRICE_ID=${STRIPE_STARTER_MONTHLY_PRICE_ID:-}
+      - STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID=${STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID:-}
+      - STRIPE_ENTERPRISE_MONTHLY_PRICE_ID=${STRIPE_ENTERPRISE_MONTHLY_PRICE_ID:-}
+      - STRIPE_STARTER_ANNUAL_PRICE_ID=${STRIPE_STARTER_ANNUAL_PRICE_ID:-}
+      - STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID=${STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID:-}
+      - STRIPE_ENTERPRISE_ANNUAL_PRICE_ID=${STRIPE_ENTERPRISE_ANNUAL_PRICE_ID:-}
+      - REQUIRE_PAYMENT_METHOD_FOR_TRIAL=${REQUIRE_PAYMENT_METHOD_FOR_TRIAL:-false}
       - GOOGLE_CLIENT_ID=${GOOGLE_CLIENT_ID:-}
       - GOOGLE_CLIENT_SECRET=${GOOGLE_CLIENT_SECRET:-}
       - GOOGLE_CALLBACK_URL=${GOOGLE_CALLBACK_URL:-https://app.hoaledgeriq.com/api/auth/google/callback}

docker-compose.yml

@@ -34,6 +34,13 @@ services:
       - STRIPE_STARTER_PRICE_ID=${STRIPE_STARTER_PRICE_ID:-}
       - STRIPE_PROFESSIONAL_PRICE_ID=${STRIPE_PROFESSIONAL_PRICE_ID:-}
       - STRIPE_ENTERPRISE_PRICE_ID=${STRIPE_ENTERPRISE_PRICE_ID:-}
+      - STRIPE_STARTER_MONTHLY_PRICE_ID=${STRIPE_STARTER_MONTHLY_PRICE_ID:-}
+      - STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID=${STRIPE_PROFESSIONAL_MONTHLY_PRICE_ID:-}
+      - STRIPE_ENTERPRISE_MONTHLY_PRICE_ID=${STRIPE_ENTERPRISE_MONTHLY_PRICE_ID:-}
+      - STRIPE_STARTER_ANNUAL_PRICE_ID=${STRIPE_STARTER_ANNUAL_PRICE_ID:-}
+      - STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID=${STRIPE_PROFESSIONAL_ANNUAL_PRICE_ID:-}
+      - STRIPE_ENTERPRISE_ANNUAL_PRICE_ID=${STRIPE_ENTERPRISE_ANNUAL_PRICE_ID:-}
+      - REQUIRE_PAYMENT_METHOD_FOR_TRIAL=${REQUIRE_PAYMENT_METHOD_FOR_TRIAL:-false}
       - GOOGLE_CLIENT_ID=${GOOGLE_CLIENT_ID:-}
       - GOOGLE_CLIENT_SECRET=${GOOGLE_CLIENT_SECRET:-}
       - GOOGLE_CALLBACK_URL=${GOOGLE_CALLBACK_URL:-http://localhost/api/auth/google/callback}

frontend/src/components/onboarding/OnboardingWizard.tsx

@@ -1,14 +1,15 @@
 import { useState } from 'react';
 import {
   Modal, Stepper, Button, Group, TextInput, NumberInput, Textarea,
-  Select, Stack, Text, Title, Alert, ActionIcon, Table, FileInput,
+  Select, Stack, Text, Title, Alert, ActionIcon, Table,
-  Card, ThemeIcon, Divider, Loader, Badge, SimpleGrid, Box,
+  Card, ThemeIcon, Divider, Badge, SimpleGrid, Box,
 } from '@mantine/core';
+import { DateInput } from '@mantine/dates';
 import { notifications } from '@mantine/notifications';
 import {
-  IconBuildingBank, IconUsers, IconFileSpreadsheet,
+  IconBuildingBank, IconUsers,
-  IconPlus, IconTrash, IconDownload, IconCheck, IconRocket,
+  IconPlus, IconTrash, IconCheck, IconRocket,
-  IconAlertCircle,
+  IconAlertCircle, IconFileSpreadsheet,
 } from '@tabler/icons-react';
 import api from '../../services/api';
 import { useAuthStore } from '../../stores/authStore';
@@ -24,27 +25,6 @@ interface UnitRow {
   ownerEmail: string;
 }
 
-// ── CSV Parsing (reused from BudgetsPage pattern) ──
-function parseCSV(text: string): Record<string, string>[] {
-  const lines = text.split('\n').filter((l) => l.trim());
-  if (lines.length < 2) return [];
-  const headers = lines[0].split(',').map((h) => h.trim().replace(/^"|"$/g, ''));
-  return lines.slice(1).map((line) => {
-    const values: string[] = [];
-    let current = '';
-    let inQuotes = false;
-    for (const char of line) {
-      if (char === '"') { inQuotes = !inQuotes; }
-      else if (char === ',' && !inQuotes) { values.push(current.trim()); current = ''; }
-      else { current += char; }
-    }
-    values.push(current.trim());
-    const row: Record<string, string> = {};
-    headers.forEach((h, i) => { row[h] = values[i] || ''; });
-    return row;
-  });
-}
-
 export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps) {
   const [active, setActive] = useState(0);
   const [loading, setLoading] = useState(false);
@@ -57,22 +37,17 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
   const [accountNumber, setAccountNumber] = useState('1000');
   const [accountDescription, setAccountDescription] = useState('');
   const [initialBalance, setInitialBalance] = useState<number | string>(0);
+  const [balanceDate, setBalanceDate] = useState<Date | null>(new Date());
 
   // ── Step 2: Assessment Group State ──
   const [groupCreated, setGroupCreated] = useState(false);
   const [groupName, setGroupName] = useState('Standard Assessment');
   const [regularAssessment, setRegularAssessment] = useState<number | string>(0);
   const [frequency, setFrequency] = useState('monthly');
+  const [unitCount, setUnitCount] = useState<number | string>(0);
   const [units, setUnits] = useState<UnitRow[]>([]);
   const [unitsCreated, setUnitsCreated] = useState(false);
 
-  // ── Step 3: Budget State ──
-  const [budgetFile, setBudgetFile] = useState<File | null>(null);
-  const [budgetUploaded, setBudgetUploaded] = useState(false);
-  const [budgetImportResult, setBudgetImportResult] = useState<any>(null);
-
-  const currentYear = new Date().getFullYear();
-
   // ── Step 1: Create Account ──
   const handleCreateAccount = async () => {
     if (!accountName.trim()) {
@@ -99,6 +74,7 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
         accountType: 'asset',
         fundType: 'operating',
         initialBalance: balance,
+        initialBalanceDate: balanceDate ? balanceDate.toISOString().split('T')[0] : undefined,
       });
       setAccountCreated(true);
       notifications.show({
@@ -126,6 +102,8 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
       return;
     }
 
+    const count = typeof unitCount === 'string' ? parseInt(unitCount) : unitCount;
+
     setLoading(true);
     setError(null);
     try {
@@ -133,6 +111,7 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
         name: groupName.trim(),
         regularAssessment: assessment,
         frequency,
+        unitCount: isNaN(count) ? 0 : count,
         isDefault: true,
       });
       setGroupCreated(true);
@@ -175,62 +154,6 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
     }
   };
 
-  // ── Step 3: Budget Import ──
-  const handleDownloadTemplate = async () => {
-    try {
-      const response = await api.get(`/budgets/${currentYear}/template`, {
-        responseType: 'blob',
-      });
-      const url = window.URL.createObjectURL(new Blob([response.data]));
-      const link = document.createElement('a');
-      link.href = url;
-      link.setAttribute('download', `budget_template_${currentYear}.csv`);
-      document.body.appendChild(link);
-      link.click();
-      link.remove();
-      window.URL.revokeObjectURL(url);
-    } catch {
-      notifications.show({
-        title: 'Error',
-        message: 'Failed to download template',
-        color: 'red',
-      });
-    }
-  };
-
-  const handleUploadBudget = async () => {
-    if (!budgetFile) {
-      setError('Please select a CSV file');
-      return;
-    }
-
-    setLoading(true);
-    setError(null);
-    try {
-      const text = await budgetFile.text();
-      const rows = parseCSV(text);
-      if (rows.length === 0) {
-        setError('CSV file appears to be empty or invalid');
-        setLoading(false);
-        return;
-      }
-
-      const { data } = await api.post(`/budgets/${currentYear}/import`, { rows });
-      setBudgetUploaded(true);
-      setBudgetImportResult(data);
-      notifications.show({
-        title: 'Budget Imported',
-        message: `Imported ${data.imported || rows.length} budget line(s) for ${currentYear}`,
-        color: 'green',
-      });
-    } catch (err: any) {
-      const msg = err.response?.data?.message || 'Failed to import budget';
-      setError(typeof msg === 'string' ? msg : JSON.stringify(msg));
-    } finally {
-      setLoading(false);
-    }
-  };
-
   // ── Finish Wizard ──
   const handleFinish = async () => {
     setLoading(true);
@@ -265,13 +188,12 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
   const canGoNext = () => {
     if (active === 0) return accountCreated;
     if (active === 1) return groupCreated;
-    if (active === 2) return true; // Budget is optional
     return false;
   };
 
   const nextStep = () => {
     setError(null);
-    if (active < 3) setActive(active + 1);
+    if (active < 2) setActive(active + 1);
   };
 
   return (
@@ -315,12 +237,6 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
             icon={<IconUsers size={18} />}
             completedIcon={<IconCheck size={18} />}
           />
-          <Stepper.Step
-            label="Budget"
-            description="Import your annual budget"
-            icon={<IconFileSpreadsheet size={18} />}
-            completedIcon={<IconCheck size={18} />}
-          />
         </Stepper>
 
         {error && (
@@ -343,6 +259,7 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
                   <Text fw={500}>{accountName} created successfully!</Text>
                   <Text size="sm" c="dimmed">
                     Initial balance: ${(typeof initialBalance === 'number' ? initialBalance : parseFloat(initialBalance as string) || 0).toLocaleString()}
+                    {balanceDate && ` as of ${balanceDate.toLocaleDateString()}`}
                   </Text>
                 </Alert>
               ) : (
@@ -372,17 +289,26 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
                     autosize
                     minRows={2}
                   />
-                  <NumberInput
+                  <SimpleGrid cols={2} mb="md">
-                    label="Current Balance"
+                    <NumberInput
-                    description="Enter the current balance of this bank account"
+                      label="Current Balance"
-                    placeholder="0.00"
+                      description="Enter the current balance of this bank account"
-                    value={initialBalance}
+                      placeholder="0.00"
-                    onChange={setInitialBalance}
+                      value={initialBalance}
-                    thousandSeparator=","
+                      onChange={setInitialBalance}
-                    prefix="$"
+                      thousandSeparator=","
-                    decimalScale={2}
+                      prefix="$"
-                    mb="md"
+                      decimalScale={2}
-                  />
+                    />
+                    <DateInput
+                      label="Balance As-Of Date"
+                      description="Date this balance was accurate (e.g. last statement date)"
+                      value={balanceDate}
+                      onChange={setBalanceDate}
+                      maxDate={new Date()}
+                      clearable={false}
+                    />
+                  </SimpleGrid>
                   <Button
                     onClick={handleCreateAccount}
                     loading={loading}
@@ -415,7 +341,7 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
                 </Alert>
               ) : (
                 <>
-                  <SimpleGrid cols={3} mb="md">
+                  <SimpleGrid cols={2} mb="md">
                     <TextInput
                       label="Group Name"
                       placeholder="e.g. Standard Assessment"
@@ -423,6 +349,17 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
                       onChange={(e) => setGroupName(e.currentTarget.value)}
                       required
                     />
+                    <NumberInput
+                      label="Total Unit Count"
+                      description="How many units/lots does your community have?"
+                      placeholder="e.g. 50"
+                      value={unitCount}
+                      onChange={setUnitCount}
+                      min={0}
+                      required
+                    />
+                  </SimpleGrid>
+                  <SimpleGrid cols={2} mb="md">
                     <NumberInput
                       label="Assessment Amount"
                       placeholder="0.00"
@@ -520,71 +457,16 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
           </Stack>
         )}
 
-        {/* ── Step 3: Budget Upload ── */}
-        {active === 2 && (
-          <Stack gap="md">
-            <Card withBorder p="lg">
-              <Text fw={600} mb="xs">Import Your {currentYear} Budget</Text>
-              <Text size="sm" c="dimmed" mb="md">
-                Upload a CSV file with your annual budget. If you don&apos;t have one ready, you can download a template
-                or skip this step and set it up later from the Budgets page.
-              </Text>
-
-              {budgetUploaded ? (
-                <Alert icon={<IconCheck size={16} />} color="green" variant="light">
-                  <Text fw={500}>Budget imported successfully!</Text>
-                  {budgetImportResult && (
-                    <Text size="sm" c="dimmed">
-                      {budgetImportResult.created || 0} new lines created, {budgetImportResult.updated || 0} updated
-                    </Text>
-                  )}
-                </Alert>
-              ) : (
-                <>
-                  <Group mb="md">
-                    <Button
-                      variant="light"
-                      leftSection={<IconDownload size={16} />}
-                      onClick={handleDownloadTemplate}
-                    >
-                      Download CSV Template
-                    </Button>
-                  </Group>
-
-                  <FileInput
-                    label="Upload Budget CSV"
-                    placeholder="Click to select a .csv file"
-                    accept=".csv"
-                    value={budgetFile}
-                    onChange={setBudgetFile}
-                    mb="md"
-                    leftSection={<IconFileSpreadsheet size={16} />}
-                  />
-
-                  <Button
-                    onClick={handleUploadBudget}
-                    loading={loading}
-                    leftSection={<IconFileSpreadsheet size={16} />}
-                    disabled={!budgetFile}
-                  >
-                    Import Budget
-                  </Button>
-                </>
-              )}
-            </Card>
-          </Stack>
-        )}
-
         {/* ── Completion Screen ── */}
-        {active === 3 && (
+        {active === 2 && (
           <Card withBorder p="xl" style={{ textAlign: 'center' }}>
             <ThemeIcon size={60} radius="xl" variant="gradient" gradient={{ from: 'green', to: 'teal' }} mx="auto" mb="md">
               <IconCheck size={32} />
             </ThemeIcon>
             <Title order={3} mb="xs">You&apos;re All Set!</Title>
             <Text c="dimmed" mb="lg" maw={400} mx="auto">
-              Your organization is configured and ready to go. You can always update your accounts,
+              Your organization is configured and ready to go. You can always update your accounts
-              assessment groups, and budgets from the sidebar navigation.
+              and assessment groups from the sidebar navigation.
             </Text>
             <SimpleGrid cols={3} mb="xl" maw={500} mx="auto">
               <Card withBorder p="sm" style={{ textAlign: 'center' }}>
@@ -605,12 +487,17 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
                 <ThemeIcon size={32} color="blue" variant="light" radius="xl" mx="auto" mb={4}>
                   <IconFileSpreadsheet size={16} />
                 </ThemeIcon>
-                <Badge color={budgetUploaded ? 'green' : 'yellow'} size="sm">
+                <Badge color="cyan" size="sm">Up Next</Badge>
-                  {budgetUploaded ? 'Done' : 'Skipped'}
-                </Badge>
                 <Text size="xs" mt={4}>Budget</Text>
               </Card>
             </SimpleGrid>
+            <Alert icon={<IconFileSpreadsheet size={16} />} color="blue" variant="light" mb="lg" ta="left">
+              <Text size="sm" fw={500} mb={4}>Set Up Your Budget</Text>
+              <Text size="sm" c="dimmed">
+                Head to <Text span fw={600}>Budget Planning</Text> from the sidebar to download a CSV template,
+                fill in your monthly amounts, and upload your budget. You can do this at any time.
+              </Text>
+            </Alert>
             <Button
               size="lg"
               onClick={handleFinish}
@@ -625,18 +512,13 @@ export function OnboardingWizard({ opened, onComplete }: OnboardingWizardProps)
         )}
 
         {/* ── Navigation Buttons ── */}
-        {active < 3 && (
+        {active < 2 && (
           <Group justify="flex-end" mt="xl">
-            {active === 2 && !budgetUploaded && (
-              <Button variant="subtle" onClick={nextStep}>
-                Skip for now
-              </Button>
-            )}
             <Button
               onClick={nextStep}
               disabled={!canGoNext()}
             >
-              {active === 2 ? (budgetUploaded ? 'Continue' : '') : 'Next Step'}
+              Next Step
             </Button>
           </Group>
         )}

frontend/src/pages/accounts/AccountsPage.tsx

@@ -587,7 +587,7 @@ export function AccountsPage() {
             {investments.filter(i => i.is_active).length > 0 && (
               <>
                 <Divider label="Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={investments.filter(i => i.is_active)} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={investments.filter(i => i.is_active)} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -605,7 +605,7 @@ export function AccountsPage() {
             {operatingInvestments.length > 0 && (
               <>
                 <Divider label="Operating Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={operatingInvestments} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={operatingInvestments} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -623,7 +623,7 @@ export function AccountsPage() {
             {reserveInvestments.length > 0 && (
               <>
                 <Divider label="Reserve Investment Accounts" labelPosition="center" my="xs" />
-                <InvestmentMiniTable investments={reserveInvestments} onEdit={handleEditInvestment} />
+                <InvestmentMiniTable investments={reserveInvestments} onEdit={handleEditInvestment} isReadOnly={isReadOnly} />
               </>
             )}
           </Stack>
@@ -1087,9 +1087,11 @@ function AccountTable({
 function InvestmentMiniTable({
   investments,
   onEdit,
+  isReadOnly = false,
 }: {
   investments: Investment[];
   onEdit: (inv: Investment) => void;
+  isReadOnly?: boolean;
 }) {
   const totalPrincipal = investments.reduce((s, i) => s + parseFloat(i.principal || '0'), 0);
   const totalValue = investments.reduce(
@@ -1132,7 +1134,7 @@ function InvestmentMiniTable({
             <Table.Th ta="right">Maturity Value</Table.Th>
             <Table.Th>Maturity Date</Table.Th>
             <Table.Th ta="right">Days Remaining</Table.Th>
-            <Table.Th></Table.Th>
+            {!isReadOnly && <Table.Th></Table.Th>}
           </Table.Tr>
         </Table.Thead>
         <Table.Tbody>
@@ -1182,13 +1184,15 @@ function InvestmentMiniTable({
                   '-'
                 )}
               </Table.Td>
-              <Table.Td>
+              {!isReadOnly && (
-                <Tooltip label="Edit investment">
+                <Table.Td>
-                  <ActionIcon variant="subtle" onClick={() => onEdit(inv)}>
+                  <Tooltip label="Edit investment">
-                    <IconEdit size={16} />
+                    <ActionIcon variant="subtle" onClick={() => onEdit(inv)}>
-                  </ActionIcon>
+                      <IconEdit size={16} />
-                </Tooltip>
+                    </ActionIcon>
-              </Table.Td>
+                  </Tooltip>
+                </Table.Td>
+              )}
             </Table.Tr>
           ))}
         </Table.Tbody>

frontend/src/pages/board-planning/BudgetPlanningPage.tsx

@@ -1,13 +1,13 @@
 import { useState, useEffect, useRef } from 'react';
 import {
   Title, Table, Group, Button, Stack, Text, NumberInput,
-  Select, Loader, Center, Badge, Card, Alert, Modal,
+  Select, Loader, Center, Badge, Card, Alert, Modal, ThemeIcon,
 } from '@mantine/core';
 import { notifications } from '@mantine/notifications';
 import {
   IconDeviceFloppy, IconInfoCircle, IconPencil, IconX,
   IconCheck, IconArrowBack, IconTrash, IconRefresh,
-  IconUpload, IconDownload,
+  IconUpload, IconDownload, IconFileSpreadsheet,
 } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
@@ -659,7 +659,37 @@ export function BudgetPlanningPage() {
                 {lineData.length === 0 && (
                   <Table.Tr>
                     <Table.Td colSpan={15}>
-                      <Text ta="center" c="dimmed" py="lg">No budget plan lines.</Text>
+                      <Card withBorder p="xl" mx="auto" maw={600} my="lg" style={{ textAlign: 'center' }}>
+                        <ThemeIcon size={60} radius="xl" variant="light" color="blue" mx="auto" mb="md">
+                          <IconFileSpreadsheet size={28} />
+                        </ThemeIcon>
+                        <Title order={4} mb="xs">Get Started with Your {selectedYear} Budget</Title>
+                        <Text c="dimmed" size="sm" mb="lg" maw={450} mx="auto">
+                          Your budget plan is created but has no line items yet. Download the
+                          CSV template pre-filled with your chart of accounts, fill in your
+                          monthly amounts, then upload it here.
+                        </Text>
+                        <Group justify="center" gap="md">
+                          <Button
+                            variant="light"
+                            leftSection={<IconDownload size={16} />}
+                            onClick={handleDownloadTemplate}
+                          >
+                            Download Budget Template
+                          </Button>
+                          <Button
+                            leftSection={<IconUpload size={16} />}
+                            onClick={handleImportCSV}
+                            loading={importMutation.isPending}
+                          >
+                            Upload Budget CSV
+                          </Button>
+                        </Group>
+                        <Text size="xs" c="dimmed" mt="md">
+                          Tip: The template includes all your active accounts. Fill in the monthly
+                          dollar amounts for each line, save as CSV, then upload.
+                        </Text>
+                      </Card>
                     </Table.Td>
                   </Table.Tr>
                 )}

frontend/src/pages/board-planning/components/ProjectionChart.tsx

@@ -89,20 +89,20 @@ export function ProjectionChart({ datapoints, title = 'Financial Projection', su
         <AreaChart data={chartData}>
           <defs>
             <linearGradient id="opCash" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#228be6" stopOpacity={0.3} />
+              <stop offset="5%" stopColor="#228be6" stopOpacity={0.6} />
-              <stop offset="95%" stopColor="#228be6" stopOpacity={0} />
+              <stop offset="95%" stopColor="#228be6" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="opInv" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.3} />
+              <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.6} />
-              <stop offset="95%" stopColor="#74c0fc" stopOpacity={0} />
+              <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="resCash" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#7950f2" stopOpacity={0.3} />
+              <stop offset="5%" stopColor="#7950f2" stopOpacity={0.6} />
-              <stop offset="95%" stopColor="#7950f2" stopOpacity={0} />
+              <stop offset="95%" stopColor="#7950f2" stopOpacity={0.15} />
             </linearGradient>
             <linearGradient id="resInv" x1="0" y1="0" x2="0" y2="1">
-              <stop offset="5%" stopColor="#b197fc" stopOpacity={0.3} />
+              <stop offset="5%" stopColor="#b197fc" stopOpacity={0.6} />
-              <stop offset="95%" stopColor="#b197fc" stopOpacity={0} />
+              <stop offset="95%" stopColor="#b197fc" stopOpacity={0.15} />
             </linearGradient>
           </defs>
           <CartesianGrid strokeDasharray="3 3" opacity={0.3} />

frontend/src/pages/capital-projects/CapitalProjectsPage.tsx

@@ -72,9 +72,10 @@ interface KanbanCardProps {
   project: Project;
   onEdit: (p: Project) => void;
   onDragStart: (e: DragEvent<HTMLDivElement>, project: Project) => void;
+  isReadOnly?: boolean;
 }
 
-function KanbanCard({ project, onEdit, onDragStart }: KanbanCardProps) {
+function KanbanCard({ project, onEdit, onDragStart, isReadOnly }: KanbanCardProps) {
   const plannedLabel = formatPlannedDate(project.planned_date);
   // For projects in the Future bucket with a specific year, show the year
   const currentYear = new Date().getFullYear();
@@ -86,21 +87,23 @@ function KanbanCard({ project, onEdit, onDragStart }: KanbanCardProps) {
       padding="sm"
       radius="md"
       withBorder
-      draggable
+      draggable={!isReadOnly}
-      onDragStart={(e) => onDragStart(e, project)}
+      onDragStart={!isReadOnly ? (e) => onDragStart(e, project) : undefined}
-      style={{ cursor: 'grab', userSelect: 'none' }}
+      style={{ cursor: isReadOnly ? 'default' : 'grab', userSelect: 'none' }}
       mb="xs"
     >
       <Group justify="space-between" wrap="nowrap" mb={4}>
         <Group gap={6} wrap="nowrap" style={{ overflow: 'hidden' }}>
-          <IconGripVertical size={14} style={{ flexShrink: 0, color: 'var(--mantine-color-dimmed)' }} />
+          {!isReadOnly && <IconGripVertical size={14} style={{ flexShrink: 0, color: 'var(--mantine-color-dimmed)' }} />}
           <Text fw={600} size="sm" truncate>
             {project.name}
           </Text>
         </Group>
-        <ActionIcon variant="subtle" size="sm" onClick={() => onEdit(project)}>
+        {!isReadOnly && (
-          <IconEdit size={14} />
+          <ActionIcon variant="subtle" size="sm" onClick={() => onEdit(project)}>
-        </ActionIcon>
+            <IconEdit size={14} />
+          </ActionIcon>
+        )}
       </Group>
 
       <Group gap={6} mb={6}>
@@ -148,11 +151,12 @@ interface KanbanColumnProps {
   isDragOver: boolean;
   onDragOverHandler: (e: DragEvent<HTMLDivElement>, year: number) => void;
   onDragLeave: () => void;
+  isReadOnly?: boolean;
 }
 
 function KanbanColumn({
   year, projects, onEdit, onDragStart, onDrop,
-  isDragOver, onDragOverHandler, onDragLeave,
+  isDragOver, onDragOverHandler, onDragLeave, isReadOnly,
 }: KanbanColumnProps) {
   const totalEst = projects.reduce((s, p) => s + parseFloat(p.estimated_cost || '0'), 0);
   const isFuture = year === FUTURE_YEAR;
@@ -178,9 +182,9 @@ function KanbanColumn({
         border: isDragOver ? '2px dashed var(--mantine-color-blue-4)' : undefined,
         transition: 'background-color 150ms ease, border 150ms ease',
       }}
-      onDragOver={(e) => onDragOverHandler(e, year)}
+      onDragOver={!isReadOnly ? (e) => onDragOverHandler(e, year) : undefined}
-      onDragLeave={onDragLeave}
+      onDragLeave={!isReadOnly ? onDragLeave : undefined}
-      onDrop={(e) => onDrop(e, year)}
+      onDrop={!isReadOnly ? (e) => onDrop(e, year) : undefined}
     >
       <Group justify="space-between" mb="sm">
         <Title order={5}>{yearLabel(year)}</Title>
@@ -199,7 +203,7 @@ function KanbanColumn({
       <Box style={{ flex: 1, minHeight: 60 }}>
         {projects.length === 0 ? (
           <Text size="xs" c="dimmed" ta="center" py="lg">
-            Drop projects here
+            {isReadOnly ? 'No projects' : 'Drop projects here'}
           </Text>
         ) : useWideLayout ? (
           <div style={{
@@ -208,12 +212,12 @@ function KanbanColumn({
             gap: 'var(--mantine-spacing-xs)',
           }}>
             {projects.map((p) => (
-              <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} />
+              <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} isReadOnly={isReadOnly} />
             ))}
           </div>
         ) : (
           projects.map((p) => (
-            <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} />
+            <KanbanCard key={p.id} project={p} onEdit={onEdit} onDragStart={onDragStart} isReadOnly={isReadOnly} />
           ))
         )}
       </Box>
@@ -595,6 +599,7 @@ export function CapitalProjectsPage() {
               isDragOver={dragOverYear === year}
               onDragOverHandler={handleDragOver}
               onDragLeave={handleDragLeave}
+              isReadOnly={isReadOnly}
             />
           );
         })}

frontend/src/pages/cash-flow/CashFlowForecastPage.tsx

@@ -1,10 +1,9 @@
 import { useState, useMemo } from 'react';
 import {
-  Title, Text, Stack, Card, Group, SimpleGrid, ThemeIcon,
+  Title, Text, Stack, Card, Group,
   SegmentedControl, Loader, Center, ActionIcon, Tooltip, Badge,
 } from '@mantine/core';
 import {
-  IconCash, IconBuildingBank, IconChartAreaLine,
   IconArrowLeft, IconArrowRight, IconCalendar,
 } from '@tabler/icons-react';
 import { useQuery } from '@tanstack/react-query';
@@ -108,30 +107,6 @@ export function CashFlowForecastPage() {
     return datapoints.slice(viewStartIndex, viewStartIndex + 12);
   }, [datapoints, viewStartIndex]);
 
-  // Compute summary stats for the current view
-  const summaryStats = useMemo(() => {
-    if (!viewData.length) return null;
-    const last = viewData[viewData.length - 1];
-    const first = viewData[0];
-
-    const totalOperating = last.operating_cash + last.operating_investments;
-    const totalReserve = last.reserve_cash + last.reserve_investments;
-    const totalAll = totalOperating + totalReserve;
-
-    const firstTotal = first.operating_cash + first.operating_investments +
-      first.reserve_cash + first.reserve_investments;
-    const netChange = totalAll - firstTotal;
-
-    return {
-      totalOperating,
-      totalReserve,
-      totalAll,
-      netChange,
-      periodStart: first.month,
-      periodEnd: last.month,
-    };
-  }, [viewData]);
-
   // Determine the first forecast month index within the view
   const forecastStartLabel = useMemo(() => {
     const idx = viewData.findIndex((d) => d.is_forecast);
@@ -181,65 +156,6 @@ export function CashFlowForecastPage() {
         />
       </Group>
 
-      {/* Summary Cards */}
-      {summaryStats && (
-        <SimpleGrid cols={{ base: 1, sm: 2, lg: 4 }}>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="blue" size="sm">
-                <IconCash size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Operating Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalOperating)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="violet" size="sm">
-                <IconBuildingBank size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Reserve Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalReserve)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon variant="light" color="teal" size="sm">
-                <IconChartAreaLine size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Combined Total</Text>
-            </Group>
-            <Text fw={700} size="xl" ff="monospace">
-              {fmt(summaryStats.totalAll)}
-            </Text>
-          </Card>
-          <Card withBorder p="md">
-            <Group gap="xs" mb={4}>
-              <ThemeIcon
-                variant="light"
-                color={summaryStats.netChange >= 0 ? 'green' : 'red'}
-                size="sm"
-              >
-                <IconCash size={14} />
-              </ThemeIcon>
-              <Text size="xs" c="dimmed" tt="uppercase" fw={700}>Period Change</Text>
-            </Group>
-            <Text
-              fw={700}
-              size="xl"
-              ff="monospace"
-              c={summaryStats.netChange >= 0 ? 'green' : 'red'}
-            >
-              {fmt(summaryStats.netChange)}
-            </Text>
-          </Card>
-        </SimpleGrid>
-      )}
-
       {/* Chart Navigation */}
       <Card withBorder p="lg">
         <Group justify="space-between" mb="md">
@@ -287,20 +203,20 @@ export function CashFlowForecastPage() {
           <AreaChart data={chartData} margin={{ top: 10, right: 30, left: 10, bottom: 0 }}>
             <defs>
               <linearGradient id="opCash" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#339af0" stopOpacity={0.4} />
+                <stop offset="5%" stopColor="#339af0" stopOpacity={0.6} />
-                <stop offset="95%" stopColor="#339af0" stopOpacity={0.05} />
+                <stop offset="95%" stopColor="#339af0" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="opInv" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.4} />
+                <stop offset="5%" stopColor="#74c0fc" stopOpacity={0.6} />
-                <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.05} />
+                <stop offset="95%" stopColor="#74c0fc" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="resCash" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#7950f2" stopOpacity={0.4} />
+                <stop offset="5%" stopColor="#7950f2" stopOpacity={0.6} />
-                <stop offset="95%" stopColor="#7950f2" stopOpacity={0.05} />
+                <stop offset="95%" stopColor="#7950f2" stopOpacity={0.15} />
               </linearGradient>
               <linearGradient id="resInv" x1="0" y1="0" x2="0" y2="1">
-                <stop offset="5%" stopColor="#b197fc" stopOpacity={0.4} />
+                <stop offset="5%" stopColor="#b197fc" stopOpacity={0.6} />
-                <stop offset="95%" stopColor="#b197fc" stopOpacity={0.05} />
+                <stop offset="95%" stopColor="#b197fc" stopOpacity={0.15} />
               </linearGradient>
             </defs>
             <CartesianGrid strokeDasharray="3 3" stroke="#e9ecef" />

frontend/src/pages/dashboard/DashboardPage.tsx

@@ -18,7 +18,7 @@ import {
 } from '@tabler/icons-react';
 import { useState, useCallback } from 'react';
 import { useQuery, useQueryClient } from '@tanstack/react-query';
-import { useAuthStore } from '../../stores/authStore';
+import { useAuthStore, useIsReadOnly } from '../../stores/authStore';
 import api from '../../services/api';
 
 interface HealthScore {
@@ -313,6 +313,7 @@ interface DashboardData {
 
 export function DashboardPage() {
   const currentOrg = useAuthStore((s) => s.currentOrg);
+  const isReadOnly = useIsReadOnly();
   const queryClient = useQueryClient();
 
   // Track whether a refresh is in progress (per score type) for async polling
@@ -426,7 +427,7 @@ export function DashboardPage() {
                 </ThemeIcon>
               }
               isRefreshing={operatingRefreshing}
-              onRefresh={handleRefreshOperating}
+              onRefresh={!isReadOnly ? handleRefreshOperating : undefined}
               lastFailed={!!healthScores?.operating_last_failed}
             />
             <HealthScoreCard
@@ -438,7 +439,7 @@ export function DashboardPage() {
                 </ThemeIcon>
               }
               isRefreshing={reserveRefreshing}
-              onRefresh={handleRefreshReserve}
+              onRefresh={!isReadOnly ? handleRefreshReserve : undefined}
               lastFailed={!!healthScores?.reserve_last_failed}
             />
           </SimpleGrid>

frontend/src/pages/investment-planning/InvestmentPlanningPage.tsx

@@ -43,6 +43,7 @@ import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import { notifications } from '@mantine/notifications';
 import { useNavigate } from 'react-router-dom';
 import api from '../../services/api';
+import { useIsReadOnly } from '../../stores/authStore';
 
 // ── Types ──
 
@@ -384,6 +385,7 @@ export function InvestmentPlanningPage() {
   const [targetScenarioId, setTargetScenarioId] = useState<string | null>(null);
   const [newScenarioName, setNewScenarioName] = useState('');
   const [investmentStartDate, setInvestmentStartDate] = useState<Date | null>(new Date());
+  const isReadOnly = useIsReadOnly();
 
   // Load investment scenarios for the "Add to Plan" modal
   const { data: investmentScenarios } = useQuery<any[]>({
@@ -821,15 +823,17 @@ export function InvestmentPlanningPage() {
               </Text>
             </div>
           </Group>
-          <Button
+          {!isReadOnly && (
-            leftSection={<IconSparkles size={16} />}
+            <Button
-            onClick={handleTriggerAI}
+              leftSection={<IconSparkles size={16} />}
-            loading={isProcessing}
+              onClick={handleTriggerAI}
-            variant="gradient"
+              loading={isProcessing}
-            gradient={{ from: 'grape', to: 'violet' }}
+              variant="gradient"
-          >
+              gradient={{ from: 'grape', to: 'violet' }}
-            {aiResult ? 'Refresh Recommendations' : 'Get AI Recommendations'}
+            >
-          </Button>
+              {aiResult ? 'Refresh Recommendations' : 'Get AI Recommendations'}
+            </Button>
+          )}
         </Group>
 
         {/* Processing State - shown as banner when refreshing with existing results */}

frontend/src/pages/invoices/InvoicesPage.tsx

@@ -9,6 +9,7 @@ import { notifications } from '@mantine/notifications';
 import { IconSend, IconInfoCircle, IconCheck, IconX } from '@tabler/icons-react';
 import { useQuery, useMutation, useQueryClient } from '@tanstack/react-query';
 import api from '../../services/api';
+import { useIsReadOnly } from '../../stores/authStore';
 
 interface Invoice {
   id: string; invoice_number: string; unit_number: string; unit_id: string;
@@ -64,6 +65,7 @@ export function InvoicesPage() {
   const [preview, setPreview] = useState<Preview | null>(null);
   const [previewLoading, setPreviewLoading] = useState(false);
   const queryClient = useQueryClient();
+  const isReadOnly = useIsReadOnly();
 
   const { data: invoices = [], isLoading } = useQuery<Invoice[]>({
     queryKey: ['invoices'],
@@ -124,10 +126,12 @@ export function InvoicesPage() {
     <Stack>
       <Group justify="space-between">
         <Title order={2}>Invoices</Title>
-        <Group>
+        {!isReadOnly && (
-          <Button variant="outline" onClick={() => lateFeesMutation.mutate()} loading={lateFeesMutation.isPending}>Apply Late Fees</Button>
+          <Group>
-          <Button leftSection={<IconSend size={16} />} onClick={openBulk}>Generate Invoices</Button>
+            <Button variant="outline" onClick={() => lateFeesMutation.mutate()} loading={lateFeesMutation.isPending}>Apply Late Fees</Button>
-        </Group>
+            <Button leftSection={<IconSend size={16} />} onClick={openBulk}>Generate Invoices</Button>
+          </Group>
+        )}
       </Group>
       <Group>
         <Card withBorder p="sm"><Text size="xs" c="dimmed">Total Invoices</Text><Text fw={700}>{invoices.length}</Text></Card>

frontend/src/pages/pricing/PricingPage.tsx

@@ -1,19 +1,21 @@
 import { useState } from 'react';
 import {
   Container, Title, Text, SimpleGrid, Card, Stack, Group, Badge,
-  Button, List, ThemeIcon, TextInput, Center, Alert,
+  Button, List, ThemeIcon, TextInput, Center, Alert, SegmentedControl, Box,
 } from '@mantine/core';
 import { IconCheck, IconX, IconRocket, IconStar, IconCrown, IconAlertCircle } from '@tabler/icons-react';
 import { useNavigate } from 'react-router-dom';
 import api from '../../services/api';
 import logoSrc from '../../assets/logo.png';
 
+type BillingInterval = 'month' | 'year';
+
 const plans = [
   {
     id: 'starter',
     name: 'Starter',
-    price: '$29',
+    monthlyPrice: 29,
-    period: '/month',
+    annualPrice: 261, // 29 * 12 * 0.75
     description: 'For small communities getting started',
     icon: IconRocket,
     color: 'blue',
@@ -29,8 +31,8 @@ const plans = [
   {
     id: 'professional',
     name: 'Professional',
-    price: '$79',
+    monthlyPrice: 79,
-    period: '/month',
+    annualPrice: 711, // 79 * 12 * 0.75
     description: 'For growing HOAs that need full features',
     icon: IconStar,
     color: 'violet',
@@ -47,8 +49,8 @@ const plans = [
   {
     id: 'enterprise',
     name: 'Enterprise',
-    price: 'Custom',
+    monthlyPrice: 0,
-    period: '',
+    annualPrice: 0,
     description: 'For large communities and management firms',
     icon: IconCrown,
     color: 'orange',
@@ -64,29 +66,53 @@ const plans = [
   },
 ];
 
+function formatPrice(plan: typeof plans[0], interval: BillingInterval) {
+  if (plan.externalUrl) return { display: 'Custom', sub: '' };
+  if (interval === 'year') {
+    const monthly = (plan.annualPrice / 12).toFixed(2);
+    return {
+      display: `$${monthly}`,
+      sub: `/mo billed annually ($${plan.annualPrice}/yr)`,
+    };
+  }
+  return { display: `$${plan.monthlyPrice}`, sub: '/month' };
+}
+
 export function PricingPage() {
   const navigate = useNavigate();
   const [loading, setLoading] = useState<string | null>(null);
   const [error, setError] = useState('');
   const [email, setEmail] = useState('');
   const [businessName, setBusinessName] = useState('');
+  const [billingInterval, setBillingInterval] = useState<BillingInterval>('month');
+
+  const handleStartTrial = async (planId: string) => {
+    if (!email.trim()) {
+      setError('Email address is required to start a trial');
+      return;
+    }
+    if (!businessName.trim()) {
+      setError('HOA / Business name is required to start a trial');
+      return;
+    }
 
-  const handleSelectPlan = async (planId: string) => {
     setLoading(planId);
     setError('');
     try {
-      const { data } = await api.post('/billing/create-checkout-session', {
+      const { data } = await api.post('/billing/start-trial', {
         planId,
-        email: email || undefined,
+        billingInterval,
-        businessName: businessName || undefined,
+        email: email.trim(),
+        businessName: businessName.trim(),
       });
-      if (data.url) {
+      if (data.subscriptionId) {
-        window.location.href = data.url;
+        // Navigate to pending page with subscription ID for polling
+        navigate(`/onboarding/pending?session_id=${data.subscriptionId}`);
       } else {
-        setError('Unable to create checkout session');
+        setError('Unable to start trial');
       }
     } catch (err: any) {
-      setError(err.response?.data?.message || 'Failed to start checkout');
+      setError(err.response?.data?.message || 'Failed to start trial');
     } finally {
       setLoading(null);
     }
@@ -104,20 +130,48 @@ export function PricingPage() {
         </Text>
       </Stack>
 
-      {/* Optional pre-capture fields */}
+      {/* Monthly / Annual Toggle */}
+      <Center mb="xl">
+        <Box pos="relative">
+          <SegmentedControl
+            value={billingInterval}
+            onChange={(val) => setBillingInterval(val as BillingInterval)}
+            data={[
+              { label: 'Monthly', value: 'month' },
+              { label: 'Annual', value: 'year' },
+            ]}
+            size="md"
+            radius="xl"
+          />
+          {billingInterval === 'year' && (
+            <Badge
+              color="green"
+              variant="filled"
+              size="sm"
+              style={{ position: 'absolute', top: -10, right: -40 }}
+            >
+              Save 25%
+            </Badge>
+          )}
+        </Box>
+      </Center>
+
+      {/* Pre-capture fields (required for trial) */}
       <Center mb="xl">
         <Group>
           <TextInput
-            placeholder="Email address"
+            placeholder="Email address *"
             value={email}
             onChange={(e) => setEmail(e.currentTarget.value)}
             style={{ width: 220 }}
+            required
           />
           <TextInput
-            placeholder="HOA / Business name"
+            placeholder="HOA / Business name *"
             value={businessName}
             onChange={(e) => setBusinessName(e.currentTarget.value)}
             style={{ width: 220 }}
+            required
           />
         </Group>
       </Center>
@@ -129,87 +183,101 @@ export function PricingPage() {
       )}
 
       <SimpleGrid cols={{ base: 1, sm: 2, lg: 3 }} spacing="lg">
-        {plans.map((plan) => (
+        {plans.map((plan) => {
-          <Card
+          const price = formatPrice(plan, billingInterval);
-            key={plan.id}
+          return (
-            withBorder
+            <Card
-            shadow={plan.popular ? 'lg' : 'sm'}
+              key={plan.id}
-            radius="md"
+              withBorder
-            p="xl"
+              shadow={plan.popular ? 'lg' : 'sm'}
-            style={plan.popular ? {
+              radius="md"
-              border: '2px solid var(--mantine-color-violet-5)',
+              p="xl"
-              position: 'relative',
+              style={plan.popular ? {
-            } : undefined}
+                border: '2px solid var(--mantine-color-violet-5)',
-          >
+                position: 'relative',
-            {plan.popular && (
+              } : undefined}
-              <Badge
+            >
-                color="violet"
+              {plan.popular && (
-                variant="filled"
+                <Badge
-                style={{ position: 'absolute', top: -10, right: 20 }}
+                  color="violet"
-              >
+                  variant="filled"
-                Most Popular
+                  style={{ position: 'absolute', top: -10, right: 20 }}
-              </Badge>
+                >
-            )}
+                  Most Popular
+                </Badge>
+              )}
+
+              <Stack gap="md">
+                <Group>
+                  <ThemeIcon size="lg" color={plan.color} variant="light" radius="md">
+                    <plan.icon size={20} />
+                  </ThemeIcon>
+                  <div>
+                    <Text fw={700} size="lg">{plan.name}</Text>
+                    <Text size="xs" c="dimmed">{plan.description}</Text>
+                  </div>
+                </Group>
 
-            <Stack gap="md">
-              <Group>
-                <ThemeIcon size="lg" color={plan.color} variant="light" radius="md">
-                  <plan.icon size={20} />
-                </ThemeIcon>
                 <div>
-                  <Text fw={700} size="lg">{plan.name}</Text>
+                  <Group align="baseline" gap={4}>
-                  <Text size="xs" c="dimmed">{plan.description}</Text>
+                    <Text fw={800} size="xl" ff="monospace" style={{ fontSize: plan.externalUrl ? 28 : 36 }}>
+                      {plan.externalUrl ? 'Request Quote' : price.display}
+                    </Text>
+                  </Group>
+                  {price.sub && (
+                    <Text size="xs" c="dimmed" mt={2}>
+                      {price.sub}
+                    </Text>
+                  )}
+                  {!plan.externalUrl && billingInterval === 'year' && (
+                    <Text size="xs" c="dimmed" td="line-through" mt={2}>
+                      ${plan.monthlyPrice}/mo without annual discount
+                    </Text>
+                  )}
                 </div>
-              </Group>
 
-              <Group align="baseline" gap={4}>
+                <List spacing="xs" size="sm" center>
-                <Text fw={800} size="xl" ff="monospace" style={{ fontSize: plan.externalUrl ? 28 : 36 }}>
+                  {plan.features.map((f, i) => (
-                  {plan.externalUrl ? 'Request Quote' : plan.price}
+                    <List.Item
-                </Text>
+                      key={i}
-                {plan.period && <Text size="sm" c="dimmed">{plan.period}</Text>}
+                      icon={
-              </Group>
+                        <ThemeIcon
+                          size={20}
+                          radius="xl"
+                          color={f.included ? 'teal' : 'gray'}
+                          variant={f.included ? 'filled' : 'light'}
+                        >
+                          {f.included ? <IconCheck size={12} /> : <IconX size={12} />}
+                        </ThemeIcon>
+                      }
+                    >
+                      <Text c={f.included ? undefined : 'dimmed'}>{f.text}</Text>
+                    </List.Item>
+                  ))}
+                </List>
 
-              <List spacing="xs" size="sm" center>
+                <Button
-                {plan.features.map((f, i) => (
+                  fullWidth
-                  <List.Item
+                  size="md"
-                    key={i}
+                  color={plan.color}
-                    icon={
+                  variant={plan.popular ? 'filled' : 'light'}
-                      <ThemeIcon
+                  loading={!plan.externalUrl ? loading === plan.id : false}
-                        size={20}
+                  onClick={() =>
-                        radius="xl"
+                    plan.externalUrl
-                        color={f.included ? 'teal' : 'gray'}
+                      ? window.open(plan.externalUrl, '_blank', 'noopener')
-                        variant={f.included ? 'filled' : 'light'}
+                      : handleStartTrial(plan.id)
-                      >
+                  }
-                        {f.included ? <IconCheck size={12} /> : <IconX size={12} />}
+                >
-                      </ThemeIcon>
+                  {plan.externalUrl ? 'Request Quote' : 'Start Free Trial'}
-                    }
+                </Button>
-                  >
+              </Stack>
-                    <Text c={f.included ? undefined : 'dimmed'}>{f.text}</Text>
+            </Card>
-                  </List.Item>
+          );
-                ))}
+        })}
-              </List>
-
-              <Button
-                fullWidth
-                size="md"
-                color={plan.color}
-                variant={plan.popular ? 'filled' : 'light'}
-                loading={!plan.externalUrl ? loading === plan.id : false}
-                onClick={() =>
-                  plan.externalUrl
-                    ? window.open(plan.externalUrl, '_blank', 'noopener')
-                    : handleSelectPlan(plan.id)
-                }
-              >
-                {plan.externalUrl ? 'Request Quote' : 'Get Started'}
-              </Button>
-            </Stack>
-          </Card>
-        ))}
       </SimpleGrid>
 
       <Text ta="center" size="sm" c="dimmed" mt="xl">
-        All plans include a 14-day free trial. No credit card required to start.
+        All plans include a 14-day free trial. No credit card required.
       </Text>
     </Container>
   );

frontend/src/pages/settings/SettingsPage.tsx

@@ -1,11 +1,11 @@
-import { useState } from 'react';
+import { useState, useEffect } from 'react';
 import {
   Title, Text, Card, Stack, Group, SimpleGrid, Badge, ThemeIcon, Divider,
-  Tabs, Button, Switch,
+  Tabs, Button, Switch, Loader,
 } from '@mantine/core';
 import {
   IconBuilding, IconUser, IconSettings, IconShieldLock,
-  IconFingerprint, IconLink, IconLogout,
+  IconFingerprint, IconLink, IconLogout, IconCreditCard,
 } from '@tabler/icons-react';
 import { notifications } from '@mantine/notifications';
 import { useAuthStore } from '../../stores/authStore';
@@ -15,10 +15,40 @@ import { PasskeySettings } from './PasskeySettings';
 import { LinkedAccounts } from './LinkedAccounts';
 import api from '../../services/api';
 
+interface SubscriptionInfo {
+  plan: string;
+  planName: string;
+  billingInterval: string;
+  status: string;
+  collectionMethod: string;
+  trialEndsAt: string | null;
+  currentPeriodEnd: string | null;
+  cancelAtPeriodEnd: boolean;
+  hasStripeCustomer: boolean;
+}
+
+const statusColors: Record<string, string> = {
+  active: 'green',
+  trial: 'blue',
+  past_due: 'orange',
+  archived: 'red',
+  suspended: 'red',
+};
+
 export function SettingsPage() {
   const { user, currentOrg } = useAuthStore();
   const { compactView, toggleCompactView } = usePreferencesStore();
   const [loggingOutAll, setLoggingOutAll] = useState(false);
+  const [subscription, setSubscription] = useState<SubscriptionInfo | null>(null);
+  const [subLoading, setSubLoading] = useState(true);
+  const [portalLoading, setPortalLoading] = useState(false);
+
+  useEffect(() => {
+    api.get('/billing/subscription')
+      .then(({ data }) => setSubscription(data))
+      .catch(() => { /* billing not configured or no subscription */ })
+      .finally(() => setSubLoading(false));
+  }, []);
 
   const handleLogoutEverywhere = async () => {
     setLoggingOutAll(true);
@@ -32,6 +62,32 @@ export function SettingsPage() {
     }
   };
 
+  const handleManageBilling = async () => {
+    setPortalLoading(true);
+    try {
+      const { data } = await api.post('/billing/portal');
+      if (data.url) {
+        window.location.href = data.url;
+      }
+    } catch (err: any) {
+      const msg = err.response?.data?.message || 'Unable to open billing portal';
+      notifications.show({ message: typeof msg === 'string' ? msg : 'Unable to open billing portal', color: 'red' });
+    } finally {
+      setPortalLoading(false);
+    }
+  };
+
+  const formatInterval = (interval: string) => {
+    return interval === 'year' ? 'Annual' : 'Monthly';
+  };
+
+  const formatDate = (iso: string | null) => {
+    if (!iso) return null;
+    return new Date(iso).toLocaleDateString('en-US', {
+      year: 'numeric', month: 'short', day: 'numeric',
+    });
+  };
+
   return (
     <Stack>
       <div>
@@ -63,6 +119,79 @@ export function SettingsPage() {
           </Stack>
         </Card>
 
+        {/* Billing / Subscription */}
+        <Card withBorder padding="lg">
+          <Group mb="md">
+            <ThemeIcon color="teal" variant="light" size={40} radius="md">
+              <IconCreditCard size={24} />
+            </ThemeIcon>
+            <div>
+              <Text fw={600} size="lg">Billing</Text>
+              <Text c="dimmed" size="sm">Subscription and payment</Text>
+            </div>
+          </Group>
+          {subLoading ? (
+            <Group justify="center" py="md"><Loader size="sm" /></Group>
+          ) : subscription ? (
+            <Stack gap="xs">
+              <Group justify="space-between">
+                <Text size="sm" c="dimmed">Plan</Text>
+                <Group gap={4}>
+                  <Badge variant="light">{subscription.planName}</Badge>
+                  <Badge variant="light" color="gray" size="sm">{formatInterval(subscription.billingInterval)}</Badge>
+                </Group>
+              </Group>
+              <Group justify="space-between">
+                <Text size="sm" c="dimmed">Status</Text>
+                <Badge
+                  color={statusColors[subscription.status] || 'gray'}
+                  variant="light"
+                >
+                  {subscription.status === 'past_due' ? 'Past Due' : subscription.status}
+                  {subscription.cancelAtPeriodEnd ? ' (Canceling)' : ''}
+                </Badge>
+              </Group>
+              {subscription.trialEndsAt && subscription.status === 'trial' && (
+                <Group justify="space-between">
+                  <Text size="sm" c="dimmed">Trial Ends</Text>
+                  <Text size="sm" fw={500}>{formatDate(subscription.trialEndsAt)}</Text>
+                </Group>
+              )}
+              {subscription.currentPeriodEnd && subscription.status !== 'trial' && (
+                <Group justify="space-between">
+                  <Text size="sm" c="dimmed">Current Period Ends</Text>
+                  <Text size="sm" fw={500}>{formatDate(subscription.currentPeriodEnd)}</Text>
+                </Group>
+              )}
+              {subscription.collectionMethod === 'send_invoice' && (
+                <Group justify="space-between">
+                  <Text size="sm" c="dimmed">Payment</Text>
+                  <Badge variant="light" color="cyan" size="sm">Invoice / ACH</Badge>
+                </Group>
+              )}
+              {subscription.hasStripeCustomer ? (
+                <Button
+                  variant="light"
+                  color="teal"
+                  size="sm"
+                  leftSection={<IconCreditCard size={16} />}
+                  onClick={handleManageBilling}
+                  loading={portalLoading}
+                  mt="xs"
+                >
+                  Manage Billing
+                </Button>
+              ) : subscription.status === 'trial' ? (
+                <Text size="xs" c="dimmed" mt="xs">
+                  Billing portal will be available once you add a payment method.
+                </Text>
+              ) : null}
+            </Stack>
+          ) : (
+            <Text size="sm" c="dimmed">No active subscription</Text>
+          )}
+        </Card>
+
         {/* User Profile */}
         <Card withBorder padding="lg">
           <Group mb="md">
@@ -108,7 +237,7 @@ export function SettingsPage() {
             </Group>
             <Group justify="space-between">
               <Text size="sm" c="dimmed">Version</Text>
-              <Badge variant="light">2026.03.17</Badge>
+              <Badge variant="light">2026.03.18</Badge>
             </Group>
             <Group justify="space-between">
               <Text size="sm" c="dimmed">API</Text>

nginx/host-production.conf

@@ -12,6 +12,9 @@
 #
 # Replace "app.yourdomain.com" with your actual hostname throughout this file.
 
+# Hide nginx version from Server header
+server_tokens off;
+
 # --- Rate limiting ---
 # 10 requests/sec per IP for API routes (shared memory zone: 10 MB ≈ 160k IPs)
 limit_req_zone $binary_remote_addr zone=api_limit:10m rate=10r/s;
@@ -49,6 +52,12 @@ server {
     ssl_session_timeout 10m;
     add_header Strict-Transport-Security "max-age=31536000; includeSubDomains" always;
 
+    # Security headers — applied to all routes
+    add_header X-Frame-Options "SAMEORIGIN" always;
+    add_header X-Content-Type-Options "nosniff" always;
+    add_header Referrer-Policy "no-referrer" always;
+    add_header Permissions-Policy "camera=(), microphone=(), geolocation=()" always;
+
     # --- Proxy defaults ---
     proxy_http_version 1.1;
     proxy_set_header Host $host;

nginx/production.conf

@@ -8,6 +8,9 @@ upstream frontend {
     keepalive 16;
 }
 
+# Hide nginx version from Server header
+server_tokens off;
+
 # Shared proxy settings
 proxy_http_version 1.1;
 proxy_set_header Connection "";          # enable keepalive to upstreams
@@ -30,6 +33,12 @@ server {
     listen 80;
     server_name _;
 
+    # Security headers — applied to all routes at the nginx layer
+    add_header X-Frame-Options "SAMEORIGIN" always;
+    add_header X-Content-Type-Options "nosniff" always;
+    add_header Referrer-Policy "no-referrer" always;
+    add_header Permissions-Policy "camera=(), microphone=(), geolocation=()" always;
+
     # --- API routes → backend ---
     location /api/ {
         limit_req zone=api_limit burst=30 nodelay;

scripts/cleanup-test-data.ts

@@ -0,0 +1,788 @@
+#!/usr/bin/env tsx
+/**
+ * Test Data Cleanup Utility
+ *
+ * Interactive CLI for managing test organizations, users, and tenant data.
+ * Supports listing, selective deletion, full purge, and re-seeding.
+ *
+ * Usage:
+ *   cd scripts
+ *   npx tsx cleanup-test-data.ts <command> [options]
+ *
+ * Commands:
+ *   list                      Show all organizations and users
+ *   delete-org <name-or-id>   Delete an organization (drops tenant schema + shared data)
+ *   delete-user <email-or-id> Delete a user (cascades through all related tables)
+ *   purge-all                 Remove ALL orgs/users except platform owner
+ *   reseed                    Purge all, then re-run db/seed/seed.sql
+ *
+ * Options:
+ *   --dry-run                 Show what would be deleted without executing
+ *   --force                   Skip confirmation prompts
+ *
+ * Environment:
+ *   DATABASE_URL - PostgreSQL connection string (reads from ../.env)
+ */
+
+import * as dotenv from 'dotenv';
+import { resolve } from 'path';
+import { readFileSync } from 'fs';
+import { Pool } from 'pg';
+import * as readline from 'readline';
+
+// ── Load environment ────────────────────────────────────────────────────────
+
+dotenv.config({ path: resolve(__dirname, '..', '.env') });
+
+const DATABASE_URL = process.env.DATABASE_URL;
+if (!DATABASE_URL) {
+  console.error(red('✗ DATABASE_URL not set. Check your .env file.'));
+  process.exit(1);
+}
+
+// ── CLI colors ──────────────────────────────────────────────────────────────
+
+function red(s: string): string { return `\x1b[31m${s}\x1b[0m`; }
+function green(s: string): string { return `\x1b[32m${s}\x1b[0m`; }
+function yellow(s: string): string { return `\x1b[33m${s}\x1b[0m`; }
+function cyan(s: string): string { return `\x1b[36m${s}\x1b[0m`; }
+function bold(s: string): string { return `\x1b[1m${s}\x1b[0m`; }
+function dim(s: string): string { return `\x1b[2m${s}\x1b[0m`; }
+
+// ── CLI argument parsing ────────────────────────────────────────────────────
+
+const args = process.argv.slice(2);
+const command = args.find(a => !a.startsWith('--')) || '';
+const target = args.filter(a => !a.startsWith('--')).slice(1).join(' ');
+const dryRun = args.includes('--dry-run');
+const force = args.includes('--force');
+
+// ── Helpers ─────────────────────────────────────────────────────────────────
+
+function isUUID(s: string): boolean {
+  return /^[0-9a-f]{8}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{4}-[0-9a-f]{12}$/i.test(s);
+}
+
+function padRight(s: string, len: number): string {
+  return s.length >= len ? s.substring(0, len) : s + ' '.repeat(len - s.length);
+}
+
+function truncate(s: string, len: number): string {
+  return s.length > len ? s.substring(0, len - 1) + '…' : s;
+}
+
+function formatDate(d: Date | string | null): string {
+  if (!d) return '—';
+  const date = typeof d === 'string' ? new Date(d) : d;
+  return date.toISOString().split('T')[0];
+}
+
+async function confirm(prompt: string): Promise<boolean> {
+  if (force) return true;
+  if (dryRun) return false;
+
+  const rl = readline.createInterface({ input: process.stdin, output: process.stdout });
+  return new Promise((resolve) => {
+    rl.question(`${prompt} [y/N]: `, (answer) => {
+      rl.close();
+      resolve(answer.trim().toLowerCase() === 'y');
+    });
+  });
+}
+
+function logDryRun(sql: string): void {
+  console.log(dim(`  [DRY RUN] ${sql}`));
+}
+
+// ── Database pool ───────────────────────────────────────────────────────────
+
+const pool = new Pool({ connectionString: DATABASE_URL });
+
+async function query(sql: string, params?: any[]): Promise<any[]> {
+  const result = await pool.query(sql, params);
+  return result.rows;
+}
+
+// ── List command ────────────────────────────────────────────────────────────
+
+async function listAll(): Promise<void> {
+  console.log(bold('\n📋 Organizations\n'));
+
+  const orgs = await query(`
+    SELECT
+      o.id, o.name, o.schema_name, o.status, o.plan_level,
+      o.billing_interval, o.collection_method,
+      o.stripe_customer_id, o.stripe_subscription_id,
+      o.trial_ends_at, o.created_at,
+      COUNT(uo.id) AS user_count
+    FROM shared.organizations o
+    LEFT JOIN shared.user_organizations uo ON uo.organization_id = o.id
+    GROUP BY o.id
+    ORDER BY o.created_at
+  `);
+
+  if (orgs.length === 0) {
+    console.log(dim('  No organizations found.\n'));
+  } else {
+    // Header
+    console.log(
+      '  ' +
+      padRight('Name', 30) +
+      padRight('Status', 12) +
+      padRight('Plan', 16) +
+      padRight('Billing', 10) +
+      padRight('Users', 7) +
+      padRight('Stripe Customer', 22) +
+      'Created'
+    );
+    console.log('  ' + '─'.repeat(110));
+
+    for (const o of orgs) {
+      const statusColor = o.status === 'active' ? green : o.status === 'trial' ? cyan : o.status === 'past_due' ? yellow : red;
+      console.log(
+        '  ' +
+        padRight(truncate(o.name, 28), 30) +
+        padRight(statusColor(o.status), 12 + 9) + // +9 for ANSI escape codes
+        padRight(`${o.plan_level}/${o.billing_interval || 'month'}`, 16) +
+        padRight(String(o.user_count), 7) +
+        padRight(o.stripe_customer_id ? truncate(o.stripe_customer_id, 20) : '—', 22) +
+        formatDate(o.created_at)
+      );
+    }
+    console.log(dim(`\n  ${orgs.length} organization(s) total`));
+
+    // Show IDs for reference
+    console.log(dim('\n  IDs:'));
+    for (const o of orgs) {
+      console.log(dim(`    ${o.name}: ${o.id}`));
+      console.log(dim(`      schema: ${o.schema_name}`));
+    }
+  }
+
+  console.log(bold('\n👤 Users\n'));
+
+  const users = await query(`
+    SELECT
+      u.id, u.email, u.first_name, u.last_name,
+      u.is_superadmin, u.is_platform_owner,
+      u.last_login_at, u.created_at,
+      COALESCE(
+        STRING_AGG(
+          o.name || ' (' || uo.role || ')',
+          ', '
+        ),
+        '—'
+      ) AS memberships,
+      COUNT(uo.id) AS org_count
+    FROM shared.users u
+    LEFT JOIN shared.user_organizations uo ON uo.user_id = u.id
+    LEFT JOIN shared.organizations o ON o.id = uo.organization_id
+    GROUP BY u.id
+    ORDER BY u.created_at
+  `);
+
+  if (users.length === 0) {
+    console.log(dim('  No users found.\n'));
+  } else {
+    // Header
+    console.log(
+      '  ' +
+      padRight('Email', 35) +
+      padRight('Name', 25) +
+      padRight('Flags', 18) +
+      padRight('Orgs', 6) +
+      'Created'
+    );
+    console.log('  ' + '─'.repeat(100));
+
+    for (const u of users) {
+      const flags: string[] = [];
+      if (u.is_platform_owner) flags.push(cyan('owner'));
+      if (u.is_superadmin) flags.push(yellow('super'));
+
+      const name = [u.first_name, u.last_name].filter(Boolean).join(' ') || '—';
+      console.log(
+        '  ' +
+        padRight(truncate(u.email, 33), 35) +
+        padRight(truncate(name, 23), 25) +
+        padRight(flags.length ? flags.join(', ') : '—', 18 + (flags.length * 9)) +
+        padRight(String(u.org_count), 6) +
+        formatDate(u.created_at)
+      );
+    }
+    console.log(dim(`\n  ${users.length} user(s) total`));
+
+    // Show memberships
+    console.log(dim('\n  Memberships:'));
+    for (const u of users) {
+      console.log(dim(`    ${u.email}: ${u.memberships}`));
+    }
+  }
+
+  // Tenant schemas
+  console.log(bold('\n🗄️  Tenant Schemas\n'));
+  const schemas = await query(`
+    SELECT schema_name
+    FROM information_schema.schemata
+    WHERE schema_name LIKE 'tenant_%'
+    ORDER BY schema_name
+  `);
+
+  if (schemas.length === 0) {
+    console.log(dim('  No tenant schemas found.\n'));
+  } else {
+    for (const s of schemas) {
+      console.log(`  • ${s.schema_name}`);
+    }
+    console.log(dim(`\n  ${schemas.length} tenant schema(s) total\n`));
+  }
+}
+
+// ── Delete organization ─────────────────────────────────────────────────────
+
+async function deleteOrg(identifier: string): Promise<void> {
+  if (!identifier) {
+    console.error(red('✗ Please provide an organization name or ID.'));
+    console.log('  Usage: npx tsx cleanup-test-data.ts delete-org <name-or-id>');
+    process.exit(1);
+  }
+
+  // Look up org
+  const whereClause = isUUID(identifier) ? 'id = $1' : 'LOWER(name) = LOWER($1)';
+  const orgs = await query(
+    `SELECT id, name, schema_name, status, stripe_customer_id, stripe_subscription_id
+     FROM shared.organizations WHERE ${whereClause}`,
+    [identifier]
+  );
+
+  if (orgs.length === 0) {
+    console.error(red(`✗ Organization not found: ${identifier}`));
+    process.exit(1);
+  }
+
+  const org = orgs[0];
+
+  // Show what will be deleted
+  console.log(bold(`\n🏢 Delete Organization: ${org.name}\n`));
+  console.log(`  ID:          ${org.id}`);
+  console.log(`  Schema:      ${org.schema_name}`);
+  console.log(`  Status:      ${org.status}`);
+
+  if (org.stripe_customer_id) {
+    console.log(yellow(`\n  ⚠ Stripe Customer: ${org.stripe_customer_id}`));
+    console.log(yellow(`    You should manually delete/archive this customer in the Stripe Dashboard.`));
+  }
+  if (org.stripe_subscription_id) {
+    console.log(yellow(`  ⚠ Stripe Subscription: ${org.stripe_subscription_id}`));
+    console.log(yellow(`    You should manually cancel this subscription in the Stripe Dashboard.`));
+  }
+
+  // Count related data
+  const userCount = (await query(
+    'SELECT COUNT(*) as cnt FROM shared.user_organizations WHERE organization_id = $1',
+    [org.id]
+  ))[0].cnt;
+
+  const inviteCount = (await query(
+    'SELECT COUNT(*) as cnt FROM shared.invitations WHERE organization_id = $1',
+    [org.id]
+  ))[0].cnt;
+
+  // Check if tenant schema exists
+  const schemaExists = (await query(
+    `SELECT COUNT(*) as cnt FROM information_schema.schemata WHERE schema_name = $1`,
+    [org.schema_name]
+  ))[0].cnt > 0;
+
+  console.log(`\n  Will delete:`);
+  console.log(`    • Organization record from shared.organizations`);
+  console.log(`    • ${userCount} user-organization membership(s) (users themselves are preserved)`);
+  console.log(`    • ${inviteCount} invitation(s)`);
+  if (schemaExists) {
+    console.log(red(`    • DROP SCHEMA ${org.schema_name} CASCADE (all tenant financial data)`));
+  } else {
+    console.log(dim(`    • Schema ${org.schema_name} does not exist (skip)`));
+  }
+  console.log(`    • Related rows in: onboarding_progress, stripe_events, email_log`);
+
+  if (dryRun) {
+    console.log(yellow('\n  [DRY RUN] No changes made.\n'));
+    logDryRun(`DROP SCHEMA IF EXISTS ${org.schema_name} CASCADE`);
+    logDryRun(`DELETE FROM shared.onboarding_progress WHERE organization_id = '${org.id}'`);
+    logDryRun(`DELETE FROM shared.stripe_events WHERE ... (related to org)`);
+    logDryRun(`DELETE FROM shared.organizations WHERE id = '${org.id}'`);
+    return;
+  }
+
+  const confirmed = await confirm(red(`\n  This is destructive and cannot be undone. Proceed?`));
+  if (!confirmed) {
+    console.log(dim('  Aborted.\n'));
+    return;
+  }
+
+  // Execute deletion
+  const client = await pool.connect();
+  try {
+    await client.query('BEGIN');
+
+    // 1. Drop tenant schema
+    if (schemaExists) {
+      console.log(`  Dropping schema ${org.schema_name}...`);
+      await client.query(`DROP SCHEMA IF EXISTS "${org.schema_name}" CASCADE`);
+    }
+
+    // 2. Clean up shared tables with org FK
+    await client.query('DELETE FROM shared.onboarding_progress WHERE organization_id = $1', [org.id]);
+    await client.query('DELETE FROM shared.invitations WHERE organization_id = $1', [org.id]);
+
+    // 3. Delete organization (cascades to user_organizations, invite_tokens)
+    await client.query('DELETE FROM shared.organizations WHERE id = $1', [org.id]);
+
+    await client.query('COMMIT');
+    console.log(green(`\n  ✓ Organization "${org.name}" and schema "${org.schema_name}" deleted successfully.\n`));
+  } catch (err) {
+    await client.query('ROLLBACK');
+    console.error(red(`\n  ✗ Error deleting organization: ${(err as Error).message}\n`));
+    throw err;
+  } finally {
+    client.release();
+  }
+}
+
+// ── Delete user ─────────────────────────────────────────────────────────────
+
+async function deleteUser(identifier: string): Promise<void> {
+  if (!identifier) {
+    console.error(red('✗ Please provide a user email or ID.'));
+    console.log('  Usage: npx tsx cleanup-test-data.ts delete-user <email-or-id>');
+    process.exit(1);
+  }
+
+  const whereClause = isUUID(identifier) ? 'id = $1' : 'LOWER(email) = LOWER($1)';
+  const users = await query(
+    `SELECT id, email, first_name, last_name, is_superadmin, is_platform_owner
+     FROM shared.users WHERE ${whereClause}`,
+    [identifier]
+  );
+
+  if (users.length === 0) {
+    console.error(red(`✗ User not found: ${identifier}`));
+    process.exit(1);
+  }
+
+  const user = users[0];
+  const name = [user.first_name, user.last_name].filter(Boolean).join(' ') || '(no name)';
+
+  // Platform owner protection
+  if (user.is_platform_owner) {
+    console.error(red(`\n  ✗ Cannot delete platform owner: ${user.email}`));
+    console.error(red('    The platform owner account is protected and cannot be removed.\n'));
+    process.exit(1);
+  }
+
+  console.log(bold(`\n👤 Delete User: ${user.email}\n`));
+  console.log(`  ID:    ${user.id}`);
+  console.log(`  Name:  ${name}`);
+
+  if (user.is_superadmin) {
+    console.log(yellow('  ⚠ This user is a SUPERADMIN'));
+  }
+
+  // Count related data
+  const memberships = await query(
+    `SELECT o.name, uo.role FROM shared.user_organizations uo
+     JOIN shared.organizations o ON o.id = uo.organization_id
+     WHERE uo.user_id = $1`,
+    [user.id]
+  );
+
+  const tokenCounts = {
+    refresh: (await query('SELECT COUNT(*) as cnt FROM shared.refresh_tokens WHERE user_id = $1', [user.id]))[0].cnt,
+    passkeys: (await query('SELECT COUNT(*) as cnt FROM shared.user_passkeys WHERE user_id = $1', [user.id]))[0].cnt,
+    loginHistory: (await query('SELECT COUNT(*) as cnt FROM shared.login_history WHERE user_id = $1', [user.id]))[0].cnt,
+  };
+
+  console.log(`\n  Will delete:`);
+  console.log(`    • User record from shared.users`);
+  console.log(`    • ${memberships.length} org membership(s):`);
+  for (const m of memberships) {
+    console.log(`      – ${m.name} (${m.role})`);
+  }
+  console.log(`    • ${tokenCounts.refresh} refresh token(s)`);
+  console.log(`    • ${tokenCounts.passkeys} passkey(s)`);
+  console.log(`    • ${tokenCounts.loginHistory} login history record(s)`);
+  console.log(`    • Related: password_reset_tokens, invite_tokens (cascade)`);
+
+  if (dryRun) {
+    console.log(yellow('\n  [DRY RUN] No changes made.\n'));
+    logDryRun(`DELETE FROM shared.users WHERE id = '${user.id}'`);
+    return;
+  }
+
+  const confirmMsg = user.is_superadmin
+    ? red(`\n  ⚠ This is a SUPERADMIN account. Are you SURE you want to delete it?`)
+    : red(`\n  This is destructive and cannot be undone. Proceed?`);
+
+  const confirmed = await confirm(confirmMsg);
+  if (!confirmed) {
+    console.log(dim('  Aborted.\n'));
+    return;
+  }
+
+  // Execute deletion (cascade handles related tables)
+  await query('DELETE FROM shared.users WHERE id = $1', [user.id]);
+  console.log(green(`\n  ✓ User "${user.email}" deleted successfully.\n`));
+}
+
+// ── Purge all ───────────────────────────────────────────────────────────────
+
+async function purgeAll(): Promise<void> {
+  console.log(bold('\n🔥 Purge All Test Data\n'));
+
+  // Gather current state
+  const orgs = await query(
+    `SELECT id, name, schema_name, stripe_customer_id, stripe_subscription_id
+     FROM shared.organizations ORDER BY name`
+  );
+
+  const userCount = (await query(
+    'SELECT COUNT(*) as cnt FROM shared.users WHERE is_platform_owner = false'
+  ))[0].cnt;
+
+  const platformOwner = (await query(
+    'SELECT email FROM shared.users WHERE is_platform_owner = true'
+  ));
+
+  const schemas = await query(
+    `SELECT schema_name FROM information_schema.schemata WHERE schema_name LIKE 'tenant_%' ORDER BY schema_name`
+  );
+
+  // Stripe warnings
+  const stripeOrgs = orgs.filter((o: any) => o.stripe_customer_id || o.stripe_subscription_id);
+
+  console.log(`  This will:`);
+  console.log(red(`    • Drop ${schemas.length} tenant schema(s):`));
+  for (const s of schemas) {
+    console.log(red(`      – ${s.schema_name}`));
+  }
+  console.log(red(`    • Delete ${orgs.length} organization(s):`));
+  for (const o of orgs) {
+    console.log(red(`      – ${o.name}`));
+  }
+  console.log(red(`    • Delete ${userCount} non-owner user(s)`));
+  console.log(`    • Truncate: user_organizations, invitations, refresh_tokens,`);
+  console.log(`      password_reset_tokens, invite_tokens, user_passkeys,`);
+  console.log(`      login_history, ai_recommendation_log, stripe_events,`);
+  console.log(`      onboarding_progress, email_log`);
+  console.log(green(`    • Preserve: platform owner (${platformOwner.length ? platformOwner[0].email : 'none found'})`));
+  console.log(green(`    • Preserve: cd_rates (market data)`));
+
+  if (stripeOrgs.length > 0) {
+    console.log(yellow('\n  ⚠ Stripe data that should be cleaned up manually:'));
+    for (const o of stripeOrgs) {
+      if (o.stripe_customer_id) {
+        console.log(yellow(`    Customer: ${o.stripe_customer_id} (${o.name})`));
+      }
+      if (o.stripe_subscription_id) {
+        console.log(yellow(`    Subscription: ${o.stripe_subscription_id} (${o.name})`));
+      }
+    }
+  }
+
+  if (dryRun) {
+    console.log(yellow('\n  [DRY RUN] No changes made.\n'));
+    for (const s of schemas) {
+      logDryRun(`DROP SCHEMA "${s.schema_name}" CASCADE`);
+    }
+    logDryRun('TRUNCATE shared.user_organizations, shared.invitations, ...');
+    logDryRun('DELETE FROM shared.organizations');
+    logDryRun("DELETE FROM shared.users WHERE is_platform_owner = false");
+    return;
+  }
+
+  const confirmed = await confirm(red(`\n  ⚠ THIS WILL DESTROY ALL DATA. Are you absolutely sure?`));
+  if (!confirmed) {
+    console.log(dim('  Aborted.\n'));
+    return;
+  }
+
+  const client = await pool.connect();
+  try {
+    await client.query('BEGIN');
+
+    // 1. Drop all tenant schemas
+    for (const s of schemas) {
+      console.log(`  Dropping schema ${s.schema_name}...`);
+      await client.query(`DROP SCHEMA IF EXISTS "${s.schema_name}" CASCADE`);
+    }
+
+    // 2. Truncate shared junction/log tables (order matters for FK constraints)
+    console.log('  Truncating shared tables...');
+
+    // Tables with FK to users AND organizations — truncate first
+    await client.query('DELETE FROM shared.user_organizations');
+    await client.query('DELETE FROM shared.invitations');
+    await client.query('DELETE FROM shared.invite_tokens');
+    await client.query('DELETE FROM shared.onboarding_progress');
+
+    // Tables with FK to users only
+    await client.query('DELETE FROM shared.refresh_tokens');
+    await client.query('DELETE FROM shared.password_reset_tokens');
+    await client.query('DELETE FROM shared.user_passkeys');
+    await client.query('DELETE FROM shared.login_history');
+
+    // Tables with FK to organizations (ON DELETE SET NULL)
+    await client.query('DELETE FROM shared.ai_recommendation_log');
+    await client.query('DELETE FROM shared.stripe_events');
+    await client.query('DELETE FROM shared.email_log');
+
+    // 3. Delete organizations
+    console.log('  Deleting organizations...');
+    await client.query('DELETE FROM shared.organizations');
+
+    // 4. Delete non-owner users
+    console.log('  Deleting non-owner users...');
+    await client.query('DELETE FROM shared.users WHERE is_platform_owner = false');
+
+    await client.query('COMMIT');
+
+    console.log(green(`\n  ✓ Purge complete.`));
+    console.log(green(`    Dropped ${schemas.length} schema(s), deleted ${orgs.length} org(s), deleted ${userCount} user(s).`));
+    if (platformOwner.length) {
+      console.log(green(`    Platform owner preserved: ${platformOwner[0].email}\n`));
+    }
+  } catch (err) {
+    await client.query('ROLLBACK');
+    console.error(red(`\n  ✗ Error during purge: ${(err as Error).message}\n`));
+    throw err;
+  } finally {
+    client.release();
+  }
+}
+
+// ── Reseed ──────────────────────────────────────────────────────────────────
+
+async function reseed(): Promise<void> {
+  console.log(bold('\n🌱 Purge All + Re-Seed\n'));
+  console.log('  This will purge all test data and then run db/seed/seed.sql');
+  console.log('  to restore the default test environment.\n');
+
+  if (!dryRun && !force) {
+    const confirmed = await confirm(red('  This will destroy all data and re-seed. Proceed?'));
+    if (!confirmed) {
+      console.log(dim('  Aborted.\n'));
+      return;
+    }
+    // Set force for the inner purge to avoid double-prompting
+    (global as any).__forceOverride = true;
+  }
+
+  // Run purge
+  const origForce = force;
+  try {
+    // Temporarily force purge to skip its own confirmation
+    if (!dryRun) {
+      Object.defineProperty(global, '__forceOverride', { value: true, writable: true, configurable: true });
+    }
+    await purgeAllInternal();
+  } finally {
+    delete (global as any).__forceOverride;
+  }
+
+  if (dryRun) {
+    logDryRun('Execute db/seed/seed.sql');
+    console.log(yellow('\n  [DRY RUN] No changes made.\n'));
+    return;
+  }
+
+  // Run seed SQL
+  console.log('\n  Running seed script...');
+  const seedPath = resolve(__dirname, '..', 'db', 'seed', 'seed.sql');
+  let seedSql: string;
+  try {
+    seedSql = readFileSync(seedPath, 'utf-8');
+  } catch (err) {
+    console.error(red(`  ✗ Could not read seed file: ${seedPath}`));
+    console.error(red(`    ${(err as Error).message}\n`));
+    process.exit(1);
+  }
+
+  const client = await pool.connect();
+  try {
+    await client.query(seedSql);
+    console.log(green(`\n  ✓ Re-seed complete. Database restored to seed state.\n`));
+  } catch (err) {
+    console.error(red(`\n  ✗ Error running seed: ${(err as Error).message}\n`));
+    throw err;
+  } finally {
+    client.release();
+  }
+}
+
+/**
+ * Internal purge that respects __forceOverride to skip confirmation
+ * when called from reseed().
+ */
+async function purgeAllInternal(): Promise<void> {
+  const orgs = await query(
+    `SELECT id, name, schema_name, stripe_customer_id, stripe_subscription_id
+     FROM shared.organizations ORDER BY name`
+  );
+
+  const userCount = (await query(
+    'SELECT COUNT(*) as cnt FROM shared.users WHERE is_platform_owner = false'
+  ))[0].cnt;
+
+  const platformOwner = await query(
+    'SELECT email FROM shared.users WHERE is_platform_owner = true'
+  );
+
+  const schemas = await query(
+    `SELECT schema_name FROM information_schema.schemata WHERE schema_name LIKE 'tenant_%' ORDER BY schema_name`
+  );
+
+  const stripeOrgs = orgs.filter((o: any) => o.stripe_customer_id || o.stripe_subscription_id);
+
+  if (stripeOrgs.length > 0) {
+    console.log(yellow('  ⚠ Stripe data that should be cleaned up manually:'));
+    for (const o of stripeOrgs) {
+      if (o.stripe_customer_id) console.log(yellow(`    Customer: ${o.stripe_customer_id} (${o.name})`));
+      if (o.stripe_subscription_id) console.log(yellow(`    Subscription: ${o.stripe_subscription_id} (${o.name})`));
+    }
+  }
+
+  if (dryRun) {
+    for (const s of schemas) {
+      logDryRun(`DROP SCHEMA "${s.schema_name}" CASCADE`);
+    }
+    logDryRun('DELETE FROM shared tables...');
+    logDryRun('DELETE FROM shared.organizations');
+    logDryRun("DELETE FROM shared.users WHERE is_platform_owner = false");
+    return;
+  }
+
+  const client = await pool.connect();
+  try {
+    await client.query('BEGIN');
+
+    for (const s of schemas) {
+      console.log(`  Dropping schema ${s.schema_name}...`);
+      await client.query(`DROP SCHEMA IF EXISTS "${s.schema_name}" CASCADE`);
+    }
+
+    console.log('  Truncating shared tables...');
+    await client.query('DELETE FROM shared.user_organizations');
+    await client.query('DELETE FROM shared.invitations');
+    await client.query('DELETE FROM shared.invite_tokens');
+    await client.query('DELETE FROM shared.onboarding_progress');
+    await client.query('DELETE FROM shared.refresh_tokens');
+    await client.query('DELETE FROM shared.password_reset_tokens');
+    await client.query('DELETE FROM shared.user_passkeys');
+    await client.query('DELETE FROM shared.login_history');
+    await client.query('DELETE FROM shared.ai_recommendation_log');
+    await client.query('DELETE FROM shared.stripe_events');
+    await client.query('DELETE FROM shared.email_log');
+
+    console.log('  Deleting organizations...');
+    await client.query('DELETE FROM shared.organizations');
+
+    console.log('  Deleting non-owner users...');
+    await client.query('DELETE FROM shared.users WHERE is_platform_owner = false');
+
+    await client.query('COMMIT');
+
+    console.log(green(`  ✓ Purged ${schemas.length} schema(s), ${orgs.length} org(s), ${userCount} user(s).`));
+    if (platformOwner.length) {
+      console.log(green(`    Platform owner preserved: ${platformOwner[0].email}`));
+    }
+  } catch (err) {
+    await client.query('ROLLBACK');
+    console.error(red(`  ✗ Error during purge: ${(err as Error).message}`));
+    throw err;
+  } finally {
+    client.release();
+  }
+}
+
+// ── Help ────────────────────────────────────────────────────────────────────
+
+function showHelp(): void {
+  console.log(`
+${bold('HOA LedgerIQ — Test Data Cleanup Utility')}
+
+${bold('Usage:')}
+  npx tsx cleanup-test-data.ts <command> [target] [options]
+
+${bold('Commands:')}
+  ${cyan('list')}                        Show all organizations, users, and tenant schemas
+  ${cyan('delete-org')} <name-or-id>     Delete an organization and its tenant schema
+  ${cyan('delete-user')} <email-or-id>   Delete a user and all related data
+  ${cyan('purge-all')}                   Remove ALL data except the platform owner
+  ${cyan('reseed')}                      Purge all, then re-run db/seed/seed.sql
+
+${bold('Options:')}
+  ${dim('--dry-run')}    Show what would happen without making changes
+  ${dim('--force')}      Skip confirmation prompts
+
+${bold('Examples:')}
+  npx tsx cleanup-test-data.ts list
+  npx tsx cleanup-test-data.ts delete-org "Sunrise Valley HOA"
+  npx tsx cleanup-test-data.ts delete-org 550e8400-e29b-41d4-a716-446655440000
+  npx tsx cleanup-test-data.ts delete-user admin@sunrisevalley.org
+  npx tsx cleanup-test-data.ts delete-user admin@sunrisevalley.org --dry-run
+  npx tsx cleanup-test-data.ts purge-all --dry-run
+  npx tsx cleanup-test-data.ts reseed --force
+
+${bold('Safety:')}
+  • Platform owner account (is_platform_owner=true) is ${green('never deleted')}
+  • Superadmin deletions require extra confirmation
+  • Stripe customer/subscription IDs are shown as warnings for manual cleanup
+  • cd_rates market data is ${green('always preserved')}
+`);
+}
+
+// ── Main ────────────────────────────────────────────────────────────────────
+
+async function main(): Promise<void> {
+  if (dryRun) {
+    console.log(yellow('\n  ── DRY RUN MODE ── No changes will be made ──\n'));
+  }
+
+  try {
+    switch (command) {
+      case 'list':
+        await listAll();
+        break;
+      case 'delete-org':
+        await deleteOrg(target);
+        break;
+      case 'delete-user':
+        await deleteUser(target);
+        break;
+      case 'purge-all':
+        await purgeAll();
+        break;
+      case 'reseed':
+        await reseed();
+        break;
+      case 'help':
+      case '--help':
+      case '-h':
+        showHelp();
+        break;
+      default:
+        if (command) {
+          console.error(red(`\n  ✗ Unknown command: ${command}\n`));
+        }
+        showHelp();
+        process.exit(command ? 1 : 0);
+    }
+  } catch (err) {
+    console.error(red(`\nFatal error: ${(err as Error).message}`));
+    process.exit(1);
+  } finally {
+    await pool.end();
+  }
+}
+
+main();

scripts/package.json

@@ -4,7 +4,8 @@
   "private": true,
   "description": "Standalone scripts for HOA LedgerIQ platform (cron jobs, data fetching)",
   "scripts": {
-    "fetch-cd-rates": "tsx fetch-cd-rates.ts"
+    "fetch-cd-rates": "tsx fetch-cd-rates.ts",
+    "cleanup": "tsx cleanup-test-data.ts"
   },
   "dependencies": {
     "dotenv": "^16.4.7",