diff --git a/init-scripts/init-script.sql b/init-scripts/init-script.sql
index a85aea4..651bbe0 100644
--- a/init-scripts/init-script.sql
+++ b/init-scripts/init-script.sql
@@ -196,7 +196,7 @@ CREATE INDEX idx_patch_tests_name ON patch_tests(name);
 
 CREATE TABLE user_patch_tests (
     id BIGSERIAL PRIMARY KEY,
-    user_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    user_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     patch_test_id CHAR(12) NOT NULL REFERENCES patch_tests(id) ON DELETE CASCADE,
     tested_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
     UNIQUE (user_id, patch_test_id)
@@ -264,11 +264,11 @@ CREATE TABLE booking_services (
 CREATE TABLE booking_edit_requests (
     id CHAR(12) PRIMARY KEY DEFAULT generate_booking_id(),
     booking_id CHAR(12) NOT NULL REFERENCES bookings(id) ON DELETE CASCADE,
-    requested_by CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    requested_by CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     new_start_time TIMESTAMPTZ,
-    new_services CHAR(12)[] DEFAULT '{}',  -- Array of service IDs to replace booking_services
+    new_services CHAR(12)[] DEFAULT '{}',
     notes TEXT,
-    has_overrides BOOLEAN NOT NULL DEFAULT FALSE,  -- If TRUE, cannot change services, use existing overrides for duration
+    has_overrides BOOLEAN NOT NULL DEFAULT FALSE,
     updated_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
     CONSTRAINT chk_at_least_one_field CHECK (
         new_start_time IS NOT NULL OR
@@ -280,11 +280,12 @@ CREATE TABLE booking_edit_requests (
 CREATE INDEX idx_booking_edit_requests_booking ON booking_edit_requests(booking_id);
 
 CREATE TABLE user_referrals (
-    referrer_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
-    referred_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    id BIGSERIAL PRIMARY KEY,
+    referrer_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
+    referred_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     referred_at TIMESTAMPTZ NOT NULL DEFAULT NOW(),
     claimed_booking_id CHAR(12) REFERENCES bookings(id) ON DELETE SET NULL,
-    PRIMARY KEY (referrer_id, referred_id)
+    UNIQUE (referrer_id, referred_id)
 );
 
 -- =======================================
@@ -419,7 +420,7 @@ CREATE INDEX idx_payments_created_at_status ON payments(created_at, status);
 -- =======================================
 CREATE TABLE loyalty_redemptions (
     id CHAR(12) PRIMARY KEY DEFAULT generate_short_id('loyalty_redemptions'),
-    user_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    user_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     stamps_redeemed INT NOT NULL DEFAULT 10,
     status VARCHAR(20) NOT NULL DEFAULT 'pending',
     applied_to_booking_id CHAR(12) REFERENCES bookings(id) ON DELETE SET NULL,
@@ -467,7 +468,7 @@ CREATE INDEX idx_discount_campaigns_type ON discount_campaigns(campaign_type);
 CREATE TABLE booking_discounts (
     id CHAR(12) PRIMARY KEY DEFAULT generate_short_id('booking_discounts'),
     booking_id CHAR(12) NOT NULL REFERENCES bookings(id) ON DELETE CASCADE,
-    user_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    user_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     discount_source VARCHAR(30) NOT NULL,
     source_id CHAR(12),
     campaign_type campaign_type,
@@ -642,7 +643,7 @@ BEGIN
     -- Soft-delete all saved cards and clear PCI data
     UPDATE user_saved_cards
     SET deleted_at = NOW(),
-        retained_until = NOW(),
+        retained_until = NOW() + INTERVAL '7 years',
         last_4 = 'XXXX',
         fingerprint = NULL,
         exp_month = 1,
@@ -668,6 +669,16 @@ BEGIN
 
     -- Clear notification preferences (no contractual basis after account closure)
     DELETE FROM user_notification_preferences WHERE user_id = target_id;
+
+    -- Anonymize patch test records (medical-adjacent PII — unlink user, preserve test history)
+    UPDATE user_patch_tests SET user_id = NULL WHERE user_id = target_id;
+
+    -- Anonymize referral relationships (unlink this user's side, preserve the other party's record)
+    UPDATE user_referrals SET referrer_id = NULL WHERE referrer_id = target_id;
+    UPDATE user_referrals SET referred_id = NULL WHERE referred_id = target_id;
+
+    -- Anonymize admin notification references (not customer data — just drop the user link)
+    UPDATE admin_notifications SET user_id = NULL WHERE user_id = target_id;
 END;
 $$ LANGUAGE plpgsql;
 
@@ -675,9 +686,21 @@ $$ LANGUAGE plpgsql;
 -- WHY: Guest accounts have no ongoing contractual or legal basis for retention
 -- WHEN: User requests deletion or GDPR cleanup
 -- OUTPUT: Full removal of guest account from users table
+-- SAFETY: FK constraints are SET NULL on financial tables — records survive deletion.
+--         Saved cards are soft-deleted with 7-year retention before unlinking.
 CREATE OR REPLACE FUNCTION delete_guest_user(target_id CHAR(12))
 RETURNS VOID AS $$
 BEGIN
+    UPDATE user_saved_cards
+    SET deleted_at = NOW(),
+        retained_until = NOW() + INTERVAL '7 years',
+        last_4 = 'XXXX',
+        fingerprint = NULL,
+        exp_month = 1,
+        exp_year = 2000,
+        user_id = NULL
+    WHERE user_id = target_id;
+
     DELETE FROM users WHERE id = target_id AND account_role = 'guest';
 END;
 $$ LANGUAGE plpgsql;
@@ -1457,7 +1480,7 @@ $$ LANGUAGE plpgsql;
 
 CREATE TABLE user_saved_cards (
     id CHAR(12) PRIMARY KEY DEFAULT generate_user_saved_card_id(),
-    user_id CHAR(12) NOT NULL REFERENCES users(id) ON DELETE CASCADE,
+    user_id CHAR(12) REFERENCES users(id) ON DELETE SET NULL,
     square_card_id TEXT NOT NULL UNIQUE,
     brand TEXT NOT NULL,
     last_4 TEXT NOT NULL,