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Notification Preferences

OneLibro's notification preferences system allows you to control how and when you receive email updates. Customize alert thresholds, email frequencies, and specific notification types to match your preferences.

Overview​

Manage all your email notification settings from one centralized location. Control:

  • Global Email Toggle - Enable/disable all emails at once
  • Marketing & Updates - Product news and tips
  • Budget Alerts - Spending limit warnings
  • Transaction Alerts - Large transaction notifications
  • Weekly Summary - Financial recap emails
  • Account Security - Critical security notifications (always on)
  • Alert Frequency - How often you receive notifications

Accessing Notification Settings​

  1. Log in to OneLibro finance app
  2. Navigate to Settings in the sidebar
  3. Click Notifications (or go directly to /finance/settings/notifications)

URL​

https://finance.yatheeshnagella.com/settings/notifications

Global Email Toggle​

Master Email Control​

The global email toggle is the master switch for all email notifications.

Location: Top of notification preferences page

What It Controls:

  • All notification types (except Account Security)
  • Budget alerts
  • Transaction alerts
  • Marketing emails
  • Weekly summaries

How It Works:

  • Enabled (green toggle): Emails will be sent based on individual preferences
  • Disabled (gray toggle): No emails sent (except security-critical)

Important: Account security emails (password resets, login alerts) cannot be disabled for security reasons.

Notification Types​

1. Marketing & Updates​

What You'll Receive:

  • Product updates and new features
  • Tips to get the most out of OneLibro
  • Best practices for budgeting and finance tracking
  • Occasional surveys for feedback

Frequency: Typically 1-2 emails per month

Who Should Enable:

  • Users who want to stay informed about OneLibro improvements
  • Users interested in personal finance tips
  • Early adopters who want to test new features

Who Should Disable:

  • Users who only want transactional emails
  • Users overwhelmed by promotional content

Default: Enabled

2. Budget Alerts​

What You'll Receive:

  • Notifications when you approach your spending limits
  • Alerts when budgets are exceeded
  • Budget progress updates

Alert Threshold:

  • Customizable from 50% to 100% of budget
  • Default: 80%
  • Example: If budget is $500 and threshold is 80%, you'll be alerted at $400

How Threshold Works:

Budget: $500
Threshold: 80%
Alert triggers at: $500 × 0.80 = $400

Customization:

  1. Enable "Budget Alerts" toggle
  2. Adjust slider to desired percentage (50%, 55%, 60%, ... 100%)
  3. Save preferences

Example Email:

Subject: Budget Alert: Groceries at 85%

Hi John,

Your "Groceries" budget is at 85% ($425 of $500).

You have $75 remaining for this month.

[View Budget Details]

Frequency: Sent once per budget per period (prevents spam)

Duplicate Prevention: If you've already received an alert for a specific budget period, you won't receive another until the next period (weekly/monthly/yearly).

Who Should Enable:

  • Users with strict budgets
  • Users prone to overspending
  • Users who want proactive spending alerts

Default: Enabled

3. Large Transaction Alerts​

What You'll Receive:

  • Notifications for unusually large transactions
  • Fraud detection alerts
  • Significant spending notifications

Transaction Threshold:

  • Customizable from $100 to $10,000
  • Default: $500
  • Only applies to expenses (not income)

How It Works:

  • When a transaction syncs from your bank
  • If transaction amount ≥ threshold
  • Email sent immediately (or per alert frequency setting)

Example Email:

Subject: Large Transaction Alert: $750.00

Hi Sarah,

We detected a large transaction:

Merchant: Best Buy
Amount: $750.00
Date: Jan 24, 2025
Account: Chase Checking

If you didn't authorize this transaction, contact your bank immediately.

[View Transaction Details]

Use Cases:

  • Fraud Detection: Catch unauthorized charges quickly
  • Budget Awareness: Stay informed of large expenses
  • Shared Accounts: Know when spouse/partner makes big purchases
  • Business Expenses: Track significant business transactions

Who Should Enable:

  • Users concerned about fraud
  • Users with shared bank accounts
  • Business owners tracking expenses
  • Users who want to review large purchases

Who Should Disable:

  • Users who frequently make large purchases
  • Users who find frequent alerts annoying
  • Users with very high transaction volumes

Default: Disabled (opt-in feature)

4. Weekly Summary​

What You'll Receive:

  • Weekly financial recap (sent every Sunday)
  • Total spending for the past 7 days
  • Budget progress updates
  • Top spending categories
  • Notable transactions
  • Savings insights

Example Email Content:

Your Weekly Financial Summary

Total Spending: $456.78
Top Category: Groceries ($234.50)

Budget Status:
✅ Groceries: 75% used ($375/$500)
⚠️ Dining Out: 95% used ($190/$200)
✅ Transportation: 50% used ($150/$300)

Notable Transactions:
- Whole Foods: $98.50
- Target: $156.23

Keep it up! You're on track with your budgets.

Send Schedule:

  • Day: Every Sunday
  • Time: 8:00 AM in your timezone
  • Frequency: Once per week

Who Should Enable:

  • Users who want regular financial check-ins
  • Users trying to build budgeting habits
  • Users who prefer batch updates over real-time alerts

Who Should Disable:

  • Users who check the dashboard daily
  • Users who prefer on-demand updates
  • Users who find weekly emails too frequent

Default: Enabled

5. Account Security​

What You'll Receive:

  • Password reset confirmations
  • Login from new device alerts
  • Bank account connection/disconnection notifications
  • Suspicious activity warnings
  • Two-factor authentication codes (if implemented)

Important: Cannot be disabled for security reasons.

Example Emails:

Subject: Password Reset Request

We received a request to reset your password.
If you didn't make this request, ignore this email.

[Reset Password]
Expires in 1 hour.
Subject: New Bank Account Connected

A new bank account was connected to your OneLibro account:

Bank: Chase Bank
Accounts: Checking, Savings
Date: Jan 24, 2025, 3:45 PM

If you didn't authorize this, contact support immediately.

Always Enabled: These emails are critical for account security and cannot be turned off.

Alert Frequency​

Control how often you receive notification emails. This setting applies to budget alerts, transaction alerts, and other non-critical notifications.

Frequency Options​

1. Immediate (Real-time)

  • How It Works: Emails sent as soon as event occurs
  • Use Case: Want to know about alerts right away
  • Example: Budget exceeds 80% → Email sent within 5 minutes
  • Pros: Most responsive, catch issues fast
  • Cons: Can feel overwhelming with many alerts

2. Daily Digest (Once per day)

  • How It Works: All alerts batched and sent once daily
  • Send Time: 9:00 AM in your timezone
  • Use Case: Want updates without constant interruptions
  • Example: 3 budget alerts throughout day → Single email next morning with all 3
  • Pros: Reduces email volume, easier to review
  • Cons: Delayed notification (up to 24 hours)

3. Weekly Digest (Once per week)

  • How It Works: All alerts batched and sent weekly
  • Send Time: Sunday at 9:00 AM
  • Use Case: Prefer infrequent, consolidated updates
  • Example: 10 alerts during week → Single email on Sunday with all 10
  • Pros: Minimal email volume
  • Cons: Very delayed notification, may miss urgent alerts

Default: Immediate

Which Frequency Should You Choose?​

Choose Immediate If:

  • You want real-time fraud detection
  • You're actively tracking budgets
  • You check email frequently
  • You have few budgets/alerts

Choose Daily Digest If:

  • You want updates without constant emails
  • You review finances once a day
  • You have multiple budgets
  • You prefer batch processing

Choose Weekly Digest If:

  • You only want summary updates
  • You check finances weekly
  • You rely on the dashboard for daily checks
  • You have alert fatigue from immediate emails

Default Notification Settings​

When you first sign up, OneLibro sets these default preferences:

Email Enabled: ✅ Yes
Marketing Emails: ✅ Yes
Budget Alerts: ✅ Yes
Transaction Alerts: ❌ No
Weekly Summary: ✅ Yes
Account Security: ✅ Yes (cannot be changed)

Budget Alert Threshold: 80%
Large Transaction Threshold: $500
Alert Frequency: Immediate

Why These Defaults?:

  • Budget Alerts: Most users want proactive spending warnings
  • Weekly Summary: Helps build financial awareness habit
  • Marketing: Keeps users informed about new features
  • Transaction Alerts Disabled: Prevents overwhelming new users

Customizing Your Preferences​

Step-by-Step: Adjusting Budget Alert Threshold​

  1. Navigate to Notification Preferences
  2. Find "Budget Alerts" section
  3. Ensure toggle is enabled (green)
  4. Locate slider labeled "Alert Threshold"
  5. Drag slider to desired percentage:
    • 50%: Very early warning (conservative)
    • 80%: Balanced (default)
    • 90%: Late warning (aggressive)
    • 100%: Only alert when exceeded
  6. Click "Save Preferences" at bottom of page

Visual Feedback: Slider shows percentage in real-time as you adjust.

Step-by-Step: Setting Up Transaction Alerts​

  1. Navigate to Notification Preferences
  2. Find "Large Transaction Alerts" section
  3. Toggle switch to enabled (green)
  4. Input field appears: "Alert for transactions over: $___"
  5. Enter desired amount (e.g., 500 for $500)
    • Minimum: $100
    • Maximum: $10,000
  6. Click "Save Preferences"

Recommendation: Start with $500 and adjust based on your spending patterns.

Step-by-Step: Changing Alert Frequency​

  1. Navigate to Notification Preferences
  2. Scroll to "Alert Frequency" section at bottom
  3. Click dropdown menu
  4. Select desired frequency:
    • Immediate (as they happen)
    • Daily Digest (once per day)
    • Weekly Digest (once per week)
  5. Click "Save Preferences"

Effect: All future alerts will use new frequency. Does not affect already-sent alerts.

Email Categories​

OneLibro emails are categorized for filtering and organization:

Transactional Emails​

  • Purpose: Important account actions
  • Examples: Welcome email, password reset, invite codes
  • Can Be Disabled: No (required for account functionality)
  • Gmail Label: Primary or Updates

Notification Emails​

  • Purpose: Alerts about your financial activity
  • Examples: Budget alerts, transaction alerts, weekly summary
  • Can Be Disabled: Yes (per type)
  • Gmail Label: Updates or Promotions

Marketing Emails​

  • Purpose: Product updates and tips
  • Examples: Feature announcements, tips, surveys
  • Can Be Disabled: Yes (via "Marketing & Updates" toggle)
  • Gmail Label: Promotions

System Emails​

  • Purpose: Critical security and system notifications
  • Examples: Login alerts, suspicious activity, bank disconnections
  • Can Be Disabled: No (security-critical)
  • Gmail Label: Primary

Unsubscribe Options​

Unsubscribe from Marketing Emails​

Option 1: Via Email:

  1. Open any marketing email from OneLibro
  2. Scroll to bottom of email
  3. Click "Unsubscribe from marketing emails" link
  4. Confirm unsubscribe on webpage
  5. Marketing emails will stop immediately

Option 2: Via Notification Preferences:

  1. Go to Notification Preferences page
  2. Toggle off "Marketing & Updates"
  3. Click "Save Preferences"

Result: You'll still receive transactional and notification emails, but no marketing emails.

Unsubscribe from All Emails​

Warning: This will disable all non-security emails. You won't receive budget alerts, transaction alerts, or weekly summaries.

How To:

  1. Go to Notification Preferences page
  2. Toggle off "Email Notifications" (master toggle at top)
  3. Click "Save Preferences"

What Still Gets Sent:

  • Account security alerts (cannot be disabled)
  • Password reset emails
  • Critical system notifications

To Re-Enable: Return to Notification Preferences and toggle "Email Notifications" back on.

Database Schema​

Notification preferences are stored in the notification_preferences table:

CREATE TABLE notification_preferences (
  id UUID PRIMARY KEY DEFAULT gen_random_uuid(),
  user_id UUID NOT NULL REFERENCES users(id) ON DELETE CASCADE,
  email_enabled BOOLEAN DEFAULT true,
  marketing_emails BOOLEAN DEFAULT true,
  budget_alerts BOOLEAN DEFAULT true,
  transaction_alerts BOOLEAN DEFAULT false,
  weekly_summary BOOLEAN DEFAULT true,
  account_security BOOLEAN DEFAULT true,
  budget_alert_threshold INTEGER DEFAULT 80,
  large_transaction_threshold INTEGER DEFAULT 50000, -- in cents
  alert_frequency TEXT DEFAULT 'immediate', -- 'immediate' | 'daily_digest' | 'weekly_digest'
  created_at TIMESTAMPTZ DEFAULT NOW(),
  updated_at TIMESTAMPTZ DEFAULT NOW()
);

Key Fields:

  • budget_alert_threshold: Percentage (50-100)
  • large_transaction_threshold: Amount in cents (e.g., 50000 = $500)
  • alert_frequency: Enum of 'immediate', 'daily_digest', 'weekly_digest'

Troubleshooting​

Not Receiving Emails​

Possible Causes:

  1. Email notifications disabled globally
  2. Specific notification type disabled
  3. Emails going to spam
  4. Email address incorrect
  5. Resend delivery issue

Solutions:

1. Check Global Toggle:

  • Go to Notification Preferences
  • Verify "Email Notifications" toggle is enabled (green)
  • If disabled, enable and save

2. Check Specific Notification:

  • Verify the specific notification type is enabled
  • Example: If not receiving budget alerts, check "Budget Alerts" toggle

3. Check Spam Folder:

4. Verify Email Address:

  • Go to Settings > Account
  • Check email address is correct
  • Update if needed

5. Test Email Delivery:

  • Disable and re-enable email notifications
  • Trigger a test alert (e.g., update budget to trigger alert)
  • Check if email arrives

Receiving Too Many Emails​

Solution 1: Change Alert Frequency:

  • Go to Notification Preferences
  • Change from "Immediate" to "Daily Digest" or "Weekly Digest"
  • Reduces email volume while keeping alerts

Solution 2: Adjust Thresholds:

  • Increase budget alert threshold (e.g., 80% → 90%)
  • Increase transaction alert threshold (e.g., $500 → $1,000)
  • Fewer alerts will trigger

Solution 3: Disable Specific Types:

  • Turn off non-essential notifications (e.g., marketing emails)
  • Keep critical ones (budget alerts, security)

Emails Going to Spam​

Causes:

  • First-time sender (OneLibro)
  • Email domain not recognized
  • Content flagged by spam filter

Solutions:

  1. Add to Safe Senders:

    • Add noreply@yatheeshnagella.com to contacts
    • Mark OneLibro emails as "Not Spam"

  2. Check Email Client Settings:

    • Verify no filters redirecting to spam
    • Check blocked senders list

  3. Use Dedicated Email:

    • Consider using a dedicated email for financial services
    • Less likely to be filtered

Budget Alerts Not Triggering​

Possible Causes:

  1. Budget alert threshold too high (e.g., 100%)
  2. Spending hasn't reached threshold yet
  3. Budget alerts disabled
  4. Duplicate alert already sent this period

Solutions:

1. Check Threshold:

  • Go to Notification Preferences
  • Verify budget alert threshold (lower = more sensitive)
  • Try setting to 50% for testing

2. Verify Spending:

  • Go to Budgets page
  • Check spending percentage (e.g., "85% spent")
  • If below threshold, no alert sent yet

3. Check Toggle:

  • Ensure "Budget Alerts" is enabled
  • Ensure global "Email Notifications" is enabled

4. Check Alert History:

  • You only receive one alert per budget per period
  • If already alerted, won't alert again until next period
  • Check budget_alert_history table (admin)

Best Practices​

Finding the Right Balance​

Start Conservative:

  • Enable all notifications initially
  • See what you actually need
  • Disable unnecessary ones after a week

Adjust Thresholds:

  • If receiving too many budget alerts, increase threshold
  • If missing overspending, decrease threshold
  • Find sweet spot based on spending patterns

Use Digests:

  • If overwhelmed by emails, switch to Daily or Weekly Digest
  • Batch notifications are easier to process
  • Still get important information without constant interruptions

Strict Budgeter:

Email Enabled: Yes
Budget Alerts: Yes (threshold: 70%)
Transaction Alerts: Yes ($300)
Weekly Summary: Yes
Alert Frequency: Immediate

Casual Tracker:

Email Enabled: Yes
Budget Alerts: Yes (threshold: 90%)
Transaction Alerts: No
Weekly Summary: Yes
Alert Frequency: Daily Digest

Minimal User:

Email Enabled: Yes
Budget Alerts: No
Transaction Alerts: No
Weekly Summary: No
Alert Frequency: Weekly Digest
Marketing: No

Fraud-Conscious User:

Email Enabled: Yes
Budget Alerts: Yes (threshold: 80%)
Transaction Alerts: Yes ($200)
Weekly Summary: Yes
Alert Frequency: Immediate

Privacy and Data​

What We Track​

  • Notification preference changes (for audit log)
  • Email delivery status (sent, delivered, opened, clicked)
  • Unsubscribe events

What We Don't Track​

  • Email content reading behavior
  • Email client used
  • Recipient device information

Data Retention​

  • Preferences: Stored indefinitely while account active
  • Email logs: Retained for 90 days (for debugging)
  • Unsubscribe history: Permanent (compliance)

Compliance​

  • CAN-SPAM Act: All emails include unsubscribe link
  • GDPR: Users can export/delete preferences on request
  • CCPA: California users can opt out of marketing

Summary​

Notification preferences in OneLibro provide:

  • ✅ Complete control over email notifications
  • ✅ Customizable alert thresholds (50%-100% for budgets)
  • ✅ Transaction alerts for fraud detection ($100-$10,000)
  • ✅ Three frequency options (immediate, daily, weekly)
  • ✅ Weekly financial summary emails
  • ✅ Always-on security notifications
  • ✅ Easy unsubscribe for marketing emails
  • ✅ Spam-free email management

Customize your notification preferences today to stay informed without being overwhelmed!