feat(F-099): completed feature

work/artifacts/F-099/security.json

@@ -0,0 +1,13 @@
+{
+  "feature_id": "F-099",
+  "agent": "security",
+  "verdict": "APPROVED",
+  "summary": "SMTP credentials stay server-side; reset tokens are single-use and only travel in the emailed link; no secrets leak in API responses.",
+  "evidence": [
+    "smtpPass is never returned by settings GET (smtpPassConfigured flag only)",
+    "Reset request keeps existing rate limiting and does not enumerate users",
+    "Session cookie remains httpOnly; new account routes reuse authenticate()",
+    "PUBLIC_APP_URL default is HTTPS"
+  ],
+  "timestamp": "2026-08-21T05:29:30Z"
+}