Notifications and emails

Notifications are generated once a day for each profile and shown under the bell icon in the app. Some of them also go out by email; which ones is up to you, per type, in Settings. In-app notifications expire after 30 days.

When they are generated

A scheduled job runs every day at 06:00 UTC and looks at each profile’s data. Each notification has a deduplication key, so the same event (the same subscription renewing, the same budget exceeded this month) never produces two notifications. The weekly recap runs weekly, the year-end summary once a year in December.

Types you can configure

For each type you choose in-app, email, both or neither. The table shows the defaults.

Notification	What triggers it	Email by default
Mortgage fixation ending	A mortgage’s fixed-rate period is about to end	yes
Idle cash	A large balance sits on a current account while a savings account or investment would earn more	yes
Uncategorised transactions waiting	Imported transactions without a category	no
Savings rate change	The bank of your savings account announced new rates	no
Budget exceeded	Spending in a category passed its budget	no
Savings milestone	A savings goal reached 50, 80 or 100%	no
Subscription renewal	A subscription renews soon; lead time adjustable from 1 to 30 days, default 3	no
Vehicle reminders	Inspection, insurance or service dates on a vehicle	yes
Investment reminders	Reminders you set on investments	yes
Warranty ending	An appliance’s or valuable’s warranty ends; lead time 1 to 180 days, default 30	yes
Lease ending	The rental lease on a property you let out ends; lead time 1 to 180 days, default 30	yes
Energy fixed term ending	The fixed electricity or gas price on a property is ending; lead time 14 to 120 days, default 60	yes
Overpaying for energy	You pay at least a tenth more for electricity or gas than the best available offer; at most once a month	no
Savings goal deadline	The deadline of a goal that is not yet funded approaches; lead time 1 to 90 days, default 14	no
Shared expenses: activity, budget, debt	A new expense or settlement in a group you own; the group budget nearing its limit; a weekly reminder of an unsettled balance	no
Dividend upcoming	A dividend payout for a holding approaches; lead time 1 to 30 days, default 3	no
Family Legacy access request	A trusted contact requested access	yes
Inactivity reminder	You have not signed in for a while; at most three times (after 14, 45 and 90 days), then never again, and never to accounts with no data	yes
Learning moment	A short educational note tied to something in your data	no
Weekly recap	Weekly summary of your finances	yes
Year in review ready	Your yearly summary is ready, in December	yes
Email import: statement imported	Automatic import wrote a statement into your data	yes
Email import: statement awaiting approval	A statement sent by email is waiting for your approval	yes
Email import: statement could not be read	We could not understand the statement you sent	yes

The three email import notifications are not created by the daily job: they are sent right after the message arrives. Details are in Email import.

Types that are always in-app only

AI budget running low, AI budget renewed, and system messages. These are never emailed.

Phone notifications

In the Android and iPhone apps you can also get notifications on your phone. The app asks for permission only when it makes sense (the first time you open the notification settings, or after you create a budget or subscription) and explains beforehand what it is for. By default only things worth acting on right away go to the phone: an exceeded budget, a subscription renewal, a Family Legacy access request, a statement sent by email that is waiting for approval or could not be read, and account events (AI credit running low, the end of your trial or plan). You can turn on other types in the Phone column in Settings → Notifications.

A phone notification is also visible on the lock screen, so by default it contains no amounts, only what happened (“Budget Groceries has been exceeded”). Turn amounts on with Show amounts in notifications. On Android you can mute individual groups in your phone settings: Budgets and payments, Account and security, Deadlines and reminders, Tips and summaries. On iPhone, turn notifications off in iPhone Settings → Notifications → Assetli. Tapping a notification opens the matching app screen. Once you sign out in the app, the phone stops receiving notifications. Who processes the phone registration token is listed in Who processes your data.

Emails

Emails go out through Resend to the address on your account, in the language of your profile. A notification email carries the same text as the in-app notification, so an email about a budget contains the amounts. Emails already sent cannot be recalled.

• One-click unsubscribe. Every notification email has a “Stop these alerts” link in its footer, and email apps also offer their own unsubscribe button for it. It works without signing in and takes effect immediately; you choose whether to stop just that type or all notifications and tips by email.
• At most three emails a day. When more pile up in a day, the most important ones arrive on their own and the rest in a single summary. Every notification stays under the bell in the app. Only a Family Legacy access request and the reply to a statement you emailed yourself fall outside the limit.
• Undeliverable address. For each email, Resend tells us whether it was delivered, whether the address is undeliverable, or whether you marked it as spam. After a permanent delivery failure or such a complaint we stop sending notifications and tips to that address; emails you ask for yourself (password reset, address verification) still arrive. Changing your email address lifts this.
• Log of sent emails. For every email sent we keep the type, time, delivery status, a shortened address and the subject without amounts, never the message text. It serves the daily limit, deliverability and as proof of unsubscribing. Each entry is deleted automatically after 400 days, and immediately when you delete your account.

Emails that belong to the account cannot be unsubscribed from: address verification, password reset, the welcome email after sign-up, confirmation of account deletion, an invitation to a shared expenses group, Family Legacy emails and the reminder five days before your trial ends.

Tips by email

Besides notifications, we may send you short tips for getting started and about features you have not used yet. At most two a week, and never with balances or amounts. Whether they arrive depends on the country you are based in:

Country	Tips arrive
United Kingdom, Czech Republic, Slovakia	Unless you decline them. You can decline when you sign up (including under the Google and Apple buttons on the sign-in page, where an account can also be created), in the welcome email and in every tip. If we have only guessed your country from your language, the stricter rule for other countries applies
Germany	Only if you switch them on and confirm with the link we email you
Other countries	Only if you switch them on yourself, when signing up or in Settings

Turn them off with the “Stop these tips” link in any tip (no sign-in needed) or in Settings → Notifications → Tips to get more out of Assetli. Turning tips off does not turn off notifications. We record when, and with which wording, you allowed or declined tips in our consent log. Clicks in tips are measured with our own link through assetli.app, with no tracking pixel and no cookies.

Switching everything off

Settings → Notifications lets you disable email per type, or every type at once; the unsubscribe link in the footer of every email does the same. In-app notifications for configurable types can be disabled the same way. Deleting your account stops everything immediately.