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Tovari Docs

Settings

Maintained by Jason Ewing, founder of Tovari · Published · How we write these docs

What is in Settings?

Section titled “What is in Settings?”

Settings holds the decisions that are about your account rather than about your money: who else is in your household, how you sign in, how Safe to Spend is worked out, your plan, and getting a copy of your data.

Most settings are not in Settings

Section titled “Most settings are not in Settings”

This is worth knowing before you go looking. Tovari deliberately keeps a setting next to the thing it affects, so the great majority of what you can change lives on the feature’s own screen rather than here — whether an account counts toward Safe to Spend is on the account, whether a category is budgeted is on the budget, and how your register is filtered and sorted is on the register.

If a setting is not in Settings, look at the thing it changes.

Choosing your language

Section titled “Choosing your language”

Tovari is available in English and in Spanish (Latin American Spanish). Under Language you can pick English, Español or Use device language. Use device language is where everyone starts: Tovari shows Spanish when your phone or browser is set to Spanish, and English otherwise.

Your language is yours alone. Everyone in your household chooses their own, and your choice follows you to every device you sign in on.

In Spanish you get:

  • the screens of the web app and the mobile app,
  • the emails and push notifications Tovari sends you, and your notification history,
  • the names of Tovari’s built-in categories (a category you created or renamed keeps the name you gave it),
  • the help assistant’s answers,
  • and the legal policies, as a courtesy translation (see Legal policies).

Some things stay in English for now: these help pages, Tovari’s website, and some screens of the phone-browser layout. Before you sign in, the sign-in screens follow your device’s language.

Finding it

Section titled “Finding it”

Settings is in the left-hand navigation. It opens with a list of sections down the side.

The sections

Section titled “The sections”
Section What is in it
Security Two-factor authentication — turning it on, and turning it off.
Household Who shares your books, and inviting or removing someone.
Safe to Spend How your Safe to Spend number is worked out.
Billing Your plan and its status. For a card subscription, also the price you pay, switching between monthly and yearly, your card on file (Update card), and cancelling or resuming. A warning at the top says when a renewal payment didn’t go through — see below.
Data & Privacy Downloading a copy of your data, and how to ask for erasure. Household admins also find Reset household data here, to start over with an empty household.
Profile The account you’re signed in as — name, email and household role, read-only — and Language, the language Tovari shows you.
Notifications Which email notifications you get, the weekly digest schedule, and quiet hours.

Below the list of sections, a Legal block links the privacy policy, the terms of use and the cookie policy (see Legal policies). Each opens in a new tab, so a change you have not saved yet is not lost.

When a payment doesn’t go through

Section titled “When a payment doesn’t go through”

If a renewal charge on your card is declined, Tovari tries the card again later, and you keep full access meanwhile. Billing shows Payment pending, a warning with the date of the next try, and Declined with the date under your card. Update card then reads Save & pay with the amount owed: saving a new card also pays that amount straight away, so you don’t have to wait for the next try. The amount is what that bill actually comes to, including any tax.

If every try fails, the app pauses until the payment is made. Signing in shows Your last payment didn’t go through, with the amount owed and the card that was declined. Update my card asks for a new card and billing address, and Pay charges it; if your bank asks you to confirm the payment, it does so there and then. Your access comes back as soon as the payment is confirmed, and your data is untouched throughout. If you subscribed in the App Store or Google Play instead, fix the payment method there — the screen links to it — and your access returns once the store collects.

Who can cancel a card subscription

Section titled “Who can cancel a card subscription”

The household admin, or the person who started the subscription, can cancel it or resume it in Billing. Anyone in the household can update the card. Cancelling takes effect at the end of the period you have already paid for, and you keep full access until then. Anyone else in the household sees a note saying who can.

Switching between monthly and yearly

Section titled “Switching between monthly and yearly”

For a card subscription, Billing interval in Billing lets you move between paying monthly and paying yearly. Choose the other option and Tovari tells you when the change starts and what you’ll pay, then Switch to Yearly (or Switch to Monthly) confirms it. The switch happens at your next renewal — the end of the period you’ve already paid for, or the end of your free trial — so you are never charged twice for the same time, and nothing changes until then. Until it happens, Billing shows the date it will switch, and Keep Monthly (or Keep Yearly) undoes it.

The household admin, or the person who started the subscription, can make the switch. It is not available while the subscription is set to end (resume it first) or while a payment is past due (update your card first). Cancelling the subscription also cancels a switch that hasn’t happened yet. On a phone browser, Billing offers all of this too, with Update card and cancelling opening as sheets.

Reminders before you are charged

Section titled “Reminders before you are charged”

Before a free trial on a card ends, Tovari emails a reminder. If no card has been added yet, the reminder says so: add one to keep going, or the subscription simply ends with the trial and nothing is charged. For a yearly plan, Tovari also emails a reminder about 30 days before it renews, with the price. Both go to the person who started the subscription.

On a phone browser

Section titled “On a phone browser”

All seven sections are here in the phone-browser layout, as a list of cards you open one at a time rather than a side rail, with Language as a card of its own. Setting up two-factor is possible here, but scanning a QR code from the same phone that is displaying it is awkward — a PC or Mac is easier. For an App Store or Google Play subscription, Billing links to the store’s subscriptions page.

Below the sections, a Payees row opens the payee directory — rename payees, merge duplicates, and set matching rules and default categories (see Payees).

Below Payees, the same Legal block links all three policies.
Section titled “Related pages”

Sources