diff --git a/PLAN.md b/PLAN.md
index be98ad5..03fdc0c 100644
--- a/PLAN.md
+++ b/PLAN.md
@@ -142,8 +142,11 @@ Given the amount of near-duplicate/overlapping data across snapshot tables (mult
     - **Customer-number recycling** — promotes the legacy `NUM id` (currently only inside `customer_legacy_refs`) into a first-class, reusable `Customer.customerNumber`, automates *finding* candidates for reuse (cancelled / 1-year-inactive), and auto-assigns the lowest free number at creation — the search is automated, the release/reuse decision stays a human action. Backfill needs care: ~140 utilities rows and all insurance-only customers have no real legacy number (synthetic `rownum_N`/`insrow_N` placeholders in `transform_customers.py`, not real `NUM id`s).
     
     Several open questions block parts of this (OCR provider/budget, the Seguros bank's identity, the clave-catastral-vs-predial mismatch, exact recycling triggers, and whether "recycling" should ever mean true data purge vs. archive-and-reuse-the-number) — see the spec's collected open-questions section.
-12. **Insurance features — NOT STARTED, spec written.** Full design in [`docs/INSURANCE_FEATURES_SPEC.md`](docs/INSURANCE_FEATURES_SPEC.md), the insurance half of the same 2026-07-25/26 meeting with Jorge that produced step 11:
-    - **Renewal notification emails** — a daily `@nestjs/schedule` sweep that mails the customer 30 days before expiry, 15 days before, and 7 days after, mapping onto `RenewalNotice.generation` 1/2/3 with **no schema change**. Sending is **Amazon SES** (`@aws-sdk/client-sesv2`, mirroring `StorageService`'s optional-client/degrade-don't-crash pattern) — the office already runs SES, so provider and budget are settled, not open. The letter body is the *existing* `aviso-renovacion` report (`reports.registry.ts:623-799`); `@@unique([policyId, generation])` is already-in-place idempotency, so a re-run cannot double-send. Volume ≈260 mails/month, and **815 of the 893 policyholders (91%) have an email**. Also adds the manual mark-as-sent mutation the report's own comment anticipates, so the report's permanently-zero `enviadas` total becomes real. Smallest useful piece — do first.
+12. **Insurance features — one of four built, rest spec'd.** Full design in [`docs/INSURANCE_FEATURES_SPEC.md`](docs/INSURANCE_FEATURES_SPEC.md), the insurance half of the same 2026-07-25/26 meeting with Jorge that produced step 11:
+    - **Renewal notification emails — DONE** (2026-08-01, extended 08-02). A sweep that mails the customer 30 days before expiry, 15 days before, and 7 days after, mapping onto `RenewalNotice.generation` 1/2/3 with **no schema change**. Sending is **Amazon SES** (`@aws-sdk/client-sesv2`, mirroring `StorageService`'s optional-client/degrade-don't-crash pattern). The letter body is the *existing* `aviso-renovacion` report; `@@unique([policyId, generation])` is already-in-place idempotency, so a re-run cannot double-send. Volume ≈260 mails/month, and **815 of the 893 policyholders (91%) have an email**.
+      **Three things came out differently from the spec.** (a) The manual mark-as-sent mutation was **dropped on purpose** — a button that marks a notice sent without sending anything lets the list claim a customer was told when they were not. `POST /renewals/send` replaced it: sending from the list *is* the marking, and the report's `enviadas` total becomes real the same way. (b) The send history is **not renewal-specific** — every attempt, including the failures and no-email skips a `RenewalNotice` row cannot represent, also writes `email_notification_log` as `RENEWAL_NOTICE`/`POLICIES`, shared with the four bulk jobs from [`docs/MASS_EMAIL_NOTIFICATIONS.md`](docs/MASS_EMAIL_NOTIFICATIONS.md). `RenewalNotice` stays *gating* state; the log is *history*. (c) The `@Cron("0 6 * * *")` literal the spec called for lasted one day: both this sweep and the servicios jobs now take their cadence from `NotificationScheduleService`, stored in `app_settings` and reinstalled on save — no redeploy. Defaults preserve the old behaviour (pólizas 06:00 daily, servicios off).
+      **Both halves live on one screen.** `/notificaciones` has Servicios and Pólizas tabs over the one log; `/renovaciones` is an alias onto the Pólizas tab. The send flags (`debug` in particular) sit in the shell above the tabs and govern both — before that there was no way to test a renewal aviso without mailing a real customer. A debug send diverts the mail, skips the `RenewalNotice` upsert **and** does not advance the sweep's `lastSuccessfulAt`; all three are needed together, or a test run silently narrows tomorrow's window and drops the letters it only pretended to send.
+      **Still blocked in production:** the `SES_*` variables are wired through the deploy workflow but unset in Gitea, so a production send fails loudly rather than going out.
     - **Liquidación batch workflow** — ~70% already built (`liquidated`/`liquidationNumber`/`liquidationDate` are wired through DTOs, list filter, stats, form and detail page); only the *batch* print-and-mark step is missing, against a live pending set of 226 policies. Adds a ramo-parameterized pending report plus `POST /policies/liquidate-batch` under a new MANAGER `policy:liquidate` ability. Parameterized by ramo, not MULT-only — legacy `TABLA LIQUIDA MF` served `MULT`, `INCENDIO` and `M EMPR` alike.
     - **Certificate / "Solicitud Atlas"** — renders from the same `format: "letter"` machinery `aviso-renovacion` uses, then reaches customers as an extension of the step-8/9 replication (PDF generated here, pushed to MinIO, pointer replicated), **not** as a new public surface in this repo. Half-blocked: "Solicitud" has zero referent in the legacy system and normally means an *application form*, a different artifact from a certificate.
     - **Carrier API integration (ANA Seguros + GMX)** — shape only (`CarrierConnector` + an import-review queue rather than direct `Policy` writes, matching how step 11's OCR results are routed). Carrier research done 2026-07-27: **the two carriers are one company** — both belong to **Grupo Valore** (ANA writes autos, GMX writes daños, which is exactly this database's `AUTO`/`LICENCIAS` vs `MULT`/`INCENDIO`/`M_EMPR` split), so it is one commercial relationship, not two. **ANA has a real live SOAP service** (`server.anaseguros.com.mx/ananetws/service.asmx`, ASP.NET `.asmx`) with a published operation list — catalogs, `CalculaValor`/`CalculaMSI`, `ValidaSerie`, `RecuperaCotizacion`, `Transaccion`. **GMX publishes no machine interface at all**, only human agent portals. ⚠️ **Critical mismatch:** every ANA operation serves *new-business quoting/issuance*, not "list the policies where I am agent of record" — so if the ask is inbound portfolio sync, no evidence exists that either carrier sells it. Blocked on one phone call to Grupo Valore ((55) 5480-4000) for credentials + a direction answer, not on further research. ("GDMX" in the meeting notes was a typo for `GMX` — confirmed 2026-07-27.)
@@ -162,7 +165,9 @@ Repo scaffolded at `jorgecuadros-platform/`: npm workspaces, NestJS API with a r
 
 **Step 11 is now three-quarters built.** Receipt capture, the multi-bank chequera and PDF/OCR auto-capture are all done and verified; only customer-number recycling remains unbuilt. `docs/RECEIPT_CAPTURE_SPEC.md` carries a BUILT note per section recording what shipped and, for §2, the four things real scanned statements proved the spec had wrong or unknown.
 
-**Step 12 spec written, not built.** `docs/INSURANCE_FEATURES_SPEC.md` covers the insurance half of the same meeting (renewal emails, liquidación batch, certificate + portal delivery, carrier APIs) — see Build sequencing step 12 above. Verified the same way, plus a live query of the dev DB for the counts it quotes (email coverage, pending liquidación, installment fill rates) and of the staged Parquet for the legacy settlement-slot usage. Two of the four features are much smaller than they sound: the renewal-notice table, its idempotency key and the letter body already exist, and the per-policy liquidación fields are already wired end to end.
+**Step 12 is one-quarter built.** `docs/INSURANCE_FEATURES_SPEC.md` covers the insurance half of the same meeting (renewal emails, liquidación batch, certificate + portal delivery, carrier APIs) — see Build sequencing step 12 above. Verified the same way, plus a live query of the dev DB for the counts it quotes (email coverage, pending liquidación, installment fill rates) and of the staged Parquet for the legacy settlement-slot usage. **§1 renewal emails is done** (2026-08-01/02) and carries a BUILT note recording the three places the build diverged from the spec; §2 liquidación is still the smallest remaining piece, since the per-policy fields are already wired end to end.
+
+**Notifications are one screen, not two features.** The four legacy mass-email jobs (`docs/MASS_EMAIL_NOTIFICATIONS.md`) and the insurance renewal avisos both mean "tell a customer something by email", so they are tabs of `/notificaciones` over one `email_notification_log`, with one shared flags panel and one schedule editor. `app_settings` + `SettingsService` (db → env → default) is the operator-config seam they introduced: summary recipients and both sweep cadences live there, so changing any of them is a save, not a redeploy. Credentials stay in the environment.
 
 ## Decisions (locked)
 
diff --git a/README.md b/README.md
index dd4de89..0bed228 100644
--- a/README.md
+++ b/README.md
@@ -40,8 +40,13 @@ docker-compose.yml          mysql + api + web
 ```
 
 API feature modules: `auth`, `users`, `customers`, `policies`, `properties`,
-`billing`, `bank`. Web routes: `/clientes`, `/polizas`, `/servicios`,
-`/estado-cuenta`, `/banco` (chequera), `/catalogos`, `/usuarios`, `/login`.
+`billing`, `bank`, `reports`, `notifications`, `renewals`, `mail`, `statements`,
+`policy-ocr`, `ocr`, `storage`, `settings`, `ops`.
+
+Web routes: `/inicio`, `/clientes`, `/polizas`, `/servicios`, `/estado-cuenta`,
+`/banco` (chequera), `/recibos` (OCR capture), `/notificaciones` (mass email +
+renewal avisos; `/renovaciones` is an alias onto its Pólizas tab), `/reportes`,
+`/catalogos`, `/operaciones` (DB ingest/backup, ADMIN), `/usuarios`, `/login`.
 
 ---
 
@@ -195,6 +200,28 @@ python migration/run_all.py
 
 ---
 
+## Scheduled jobs
+
+The API runs two automatic email sweeps. Neither cadence is in the source:
+both are stored in `app_settings` and edited at `/notificaciones` →
+"Programación de envíos" (ADMIN, `setting:manage`), taking effect immediately
+without a restart. Shipped defaults:
+
+| Job | Default | What it does |
+| --- | ------- | ------------ |
+| Pólizas | **on**, 06:00 daily (America/Tijuana) | Renewal avisos at 30/15 days before expiry and 7 days after. |
+| Servicios | **off** | All four mass-email jobs in order, same as "Ejecutar todos". |
+
+A scheduled run never uses the UI's send flags — in particular it ignores
+`debug`, so a forgotten test toggle cannot silently stop customer mail. Full
+detail in [`docs/MASS_EMAIL_NOTIFICATIONS.md`](docs/MASS_EMAIL_NOTIFICATIONS.md).
+
+Sending needs `SES_*` in the environment. Without it the API still boots and
+logs mail to stdout in dev; in production every send fails loudly and is
+recorded as `FAILED` rather than quietly going nowhere.
+
+---
+
 ## Production notes
 
 - Use `pnpm --filter @jorgecuadros/database exec prisma migrate deploy` if/when
diff --git a/RESUME.md b/RESUME.md
index 0274049..aec3cc4 100644
--- a/RESUME.md
+++ b/RESUME.md
@@ -526,3 +526,87 @@ Implementation notes worth keeping:
 **Open:** whether the CFE charge should be the rounded barcode/headline figure
 (`$268`, what is paid at the window — what the parser uses today) or the exact
 breakdown total (`$268.88`). One question for Jorge.
+
+## Notificaciones (`/notificaciones`) — DONE 2026-08-01 → 08-02
+
+Two features that were spec'd separately turned out to be one screen. The four
+legacy mass-email jobs (`docs/MASS_EMAIL_NOTIFICATIONS.md`, ported from
+`email.notifications/send*.php`) and the insurance renewal avisos
+(`docs/INSURANCE_FEATURES_SPEC.md` §1) both mean *tell a customer something by
+email*, so they are **tabs of one screen over one log**, not two menu entries.
+`/renovaciones` is an alias that lands on the Pólizas tab, the same pattern
+Captura uses.
+
+- **Servicios tab** — the four jobs (pagos pendientes, confirmación de pago,
+  estado de cuenta, fideicomiso), individually or "Ejecutar todos". Ability
+  `notification:send` (MANAGER); STAFF sees the log read-only.
+- **Pólizas tab** — pending avisos at 30/15 days before expiry and 7 days
+  after, sent one at a time or as a sweep. Ability `renewal:send` (MANAGER).
+
+**One send log for the whole platform.** `email_notification_log` is not
+job-specific: renewals write it too (`RENEWAL_NOTICE` / `POLICIES`) through the
+same `NotificationLogService`. That is what makes "Registro de envíos" complete
+— the failures and no-email skips exist *only* there. `RenewalNotice` was not
+made redundant by it: that row is **gating** state (one per policy+generation,
+drives the pending list), the log is **history** (every attempt). `level` is
+therefore per-type and unreadable without its `notificationType` — 0/1
+yellow/red on `ACCOUNT_STATUS`, the aviso generation 1/2/3 on
+`RENEWAL_NOTICE`.
+
+**Manual mark-as-sent was dropped on purpose.** The spec called for it; a
+button that marks a notice sent without sending anything is a button that lets
+the list claim a customer was told when they were not. `POST /renewals/send`
+replaced it — sending from the list *is* the marking.
+
+**`app_settings` is the operator-config seam this work introduced.**
+`SettingsService` resolves every key **db → env → default** and reports which
+rung a value came from, so an existing deployment keeps behaving exactly as it
+did until somebody saves in the UI. Three keys today: the summary recipients
+(was `NOTIFICATION_ADMIN_EMAILS`, now a fallback) and the two sweep cadences.
+Credentials deliberately stay in the environment — SES keys, `DATABASE_URL`
+and S3 config are deployment identity, must exist before the app can reach its
+own database, and a table only widens who can read them.
+
+**The send flags are global, and that was a real bug fix (08-02).** The
+`debug` / `ignoreDayRestriction` / `useEmailLimit` panel lived inside the
+Servicios tab, so there was **no way to test a renewal aviso without mailing a
+real customer**. It now lives in the shell above the tabs and both halves read
+it. On the pólizas path `debug` does three things, and all three are required
+together: it diverts the mail, it skips the `RenewalNotice` upsert, and it does
+not advance the sweep's `lastSuccessfulAt`. Miss the third and `renewalWindow()`
+narrows back to a single day on the next real run — a test send would silently
+destroy the letters it only pretended to send. Flags are per-visit UI state and
+are **never persisted**; a stored `debug` would survive a reload and swallow
+real customer mail until somebody noticed.
+
+**Both cadences are operator-editable (08-02).** The renewal sweep's
+`@Cron("0 6 * * *")` literal lasted one day. `NotificationScheduleService` now
+owns both: the owning services register a handler in `onModuleInit`, the
+service compiles the stored `{hour, minute, weekdays}` to a cron expression and
+installs it in `SchedulerRegistry`, and saving from the UI reinstalls the job —
+no restart, which was the point. It lives in its own module for the same reason
+as `NotificationLogModule`: `NotificationsModule` and `RenewalsModule` both need
+it and neither may import the other. Defaults preserve prior behaviour exactly
+(pólizas 06:00 daily, servicios **off** — a default that starts mailing 260
+customers after a deploy is not a default, it's an incident). A scheduled run
+never inherits the UI flags: no `debug`, and no `ignoreDayRestriction`, since an
+automatic run on the operator's own cadence is precisely the case the
+Mon/Wed/Fri gate was written for.
+
+Implementation notes worth keeping:
+
+- `cron` had to become a **direct dependency of `apps/api`**. It is a
+  transitive dep of `@nestjs/schedule`, but pnpm's strict layout does not hoist
+  it, so `import { CronJob } from "cron"` does not resolve without it.
+- The pólizas sweep already had a DB lock (`scheduled_job_states`); the
+  servicios run-all does not, and relies on the deployment being
+  single-replica, which it is on galactus today.
+- Wire shapes of the four jobs are byte-for-byte the legacy PHP responses,
+  quirks included (Job 1 reports `result`, not `request`).
+
+**Open:** `SES_*` is wired through the deploy workflow but **unset in Gitea**,
+so production sends fail loudly rather than going out. The 78 policyholders
+with no email are logged as `SKIPPED_NO_EMAIL` but there is still no printable
+worklist for them, and the notice body is English-only (`Customer` carries no
+language preference) — the same three questions §1 of the insurance spec
+opened.
diff --git a/docs/DEPLOY_AND_MIGRATIONS.md b/docs/DEPLOY_AND_MIGRATIONS.md
index 396fba7..fe0be4b 100644
--- a/docs/DEPLOY_AND_MIGRATIONS.md
+++ b/docs/DEPLOY_AND_MIGRATIONS.md
@@ -325,3 +325,15 @@ backup does them (see `deploy/scripts/pre-migrate-backup.mjs`):
 - `bootstrap: true` lets the pre-migrate backup be skipped when no API container
   exists yet. Use it for a first-ever deploy only — it is the one switch that
   lets a migration run with no restore point.
+- **The API container sends mail on a timer.** Two sweeps run inside it
+  (renewal avisos, on by default at 06:00 America/Tijuana; the servicios
+  run-all, off by default) — see
+  [`MASS_EMAIL_NOTIFICATIONS.md`](MASS_EMAIL_NOTIFICATIONS.md). Two
+  consequences for deploys: the cadence lives in `app_settings`, so it
+  **survives a redeploy and is not restored by rolling back an image**, and
+  running more than one API replica would double-fire the servicios sweep,
+  which has no DB lock (the pólizas one does). Keep it single-replica.
+- `SES_*` is optional to deploy — the preflight only warns — but the production
+  image sets `NODE_ENV=production`, which disables the stdout dev fallback. A
+  blank SES config therefore makes every send fail and log `FAILED`. As of
+  2026-08-02 these secrets are still unset in Gitea.
diff --git a/docs/INSURANCE_FEATURES_SPEC.md b/docs/INSURANCE_FEATURES_SPEC.md
index 84b6b52..6eb2c31 100644
--- a/docs/INSURANCE_FEATURES_SPEC.md
+++ b/docs/INSURANCE_FEATURES_SPEC.md
@@ -199,6 +199,35 @@ recycling backfill that consulted `UTILSEG` would merge unrelated people.
 
 ## 1. Renewal notification emails
 
+> **BUILT — 2026-08-01, extended 2026-08-02.** `apps/api/src/renewals/`
+> (sweep, `sendOne`, the `scheduled_job_states` lock) plus
+> `apps/api/src/mail/` (SES). Web: the **Pólizas** tab of `/notificaciones`;
+> `/renovaciones` is an alias that lands on it. Ability `renewal:send`
+> (MANAGER), as specced.
+>
+> Three things in the sections below were **superseded**, each noted inline:
+>
+> - **§1.1** — the `@Cron("0 6 * * *")` literal is gone. Both this sweep and
+>   the servicios jobs take their cadence from `NotificationScheduleService`,
+>   which stores it in `app_settings` and reinstalls the job on save. The
+>   default is still 06:00 daily, so behaviour is unchanged until an operator
+>   edits it. See [`MASS_EMAIL_NOTIFICATIONS.md`](MASS_EMAIL_NOTIFICATIONS.md),
+>   "Scheduled runs".
+> - **§1.4 manual mark-as-sent — dropped, deliberately.** Sending from the
+>   list is what marks a notice sent; there is no way to claim a letter went
+>   out when no mail was sent. `RenewalNoticeChannel.MAIL` still exists for a
+>   future paper path, but nothing writes it.
+> - **The send log is not renewal-specific.** Every attempt — including the
+>   failures and no-email skips a `RenewalNotice` row cannot represent — also
+>   writes `email_notification_log` as `RENEWAL_NOTICE` / `POLICIES`, shared
+>   with the four bulk jobs. `RenewalNotice` stays the *gating* state; the log
+>   is *history*.
+>
+> Also added 2026-08-02: the platform-wide `debug` flag reaches this path. A
+> debug send diverts the mail, skips the `RenewalNotice` upsert **and** does
+> not advance `lastSuccessfulAt` — see that doc's "Send flags" for why all
+> three are required together.
+
 ### What Jorge asked for
 
 Automatic notice to the customer at **30 days before expiry, 15 days before,
@@ -223,6 +252,13 @@ and 7 days after** — replacing the manual monthly run of the legacy
 
 ### 1.1 The scheduler
 
+> **Superseded — the cadence is operator-editable, not a literal.**
+> `RenewalsService` registers its handler with `NotificationScheduleService`
+> in `onModuleInit`; that service compiles the stored
+> `{hour, minute, weekdays}` to a cron expression and installs it in
+> `SchedulerRegistry`. Default `0 6 * * *` / `America/Tijuana`, i.e. exactly
+> what the literal below did. The rest of this section still holds.
+
 Add `@nestjs/schedule`. One `@Cron` job, daily, early morning local time.
 
 ```
@@ -302,6 +338,12 @@ traced back to the notice that caused it. (`notes` stays free-text for staff.)
 
 ### 1.4 Manual mark-as-sent
 
+> **Not built, and deliberately so.** A button that marks a notice sent
+> without sending anything is a button that lets the list claim a customer
+> was told when they were not — the exact failure the log exists to make
+> visible. `POST /renewals/send` replaced it: sending *is* the marking.
+> Revisit only when a real paper-mail workflow exists to record.
+
 The `aviso-renovacion` doc comment (`reports.registry.ts:617-621`) already
 anticipates this: staff who *mail* a paper notice need to record it.
 `RenewalNoticeChannel` (`MAIL` | `EMAIL`) exists for exactly this distinction.
@@ -321,12 +363,19 @@ customer to stop the mail.
 
 ### API surface
 
+As built (the `/policies/:id/renewal-notices` mark-as-sent mutation was
+dropped — see §1.4):
+
 | Method | Route | Ability |
 |---|---|---|
-| `POST` | `/policies/:id/renewal-notices` | `renewal:send` |
-| `POST` | `/renewals/sweep` (manual trigger of the cron body) | `renewal:send` |
+| `POST` | `/renewals/sweep` (manual trigger of the scheduled body; body `{ debug? }`) | `renewal:send` |
+| `POST` | `/renewals/send` (one notice; body `{ policyId, generation, debug? }`) | `renewal:send` |
 | `GET` | `/renewals/pending?days=` (what the next sweep would send) | read (AuthenticatedGuard) |
 
+The cadence itself is edited through the notifications module
+(`GET`/`PUT /notifications/settings/schedule[/:kind]`, `setting:manage`),
+because one editor covers both sweeps.
+
 ### Abilities (new)
 
 | Ability | Min role | Notes |
@@ -706,9 +755,8 @@ equivalent is `InsuranceProvider`, which today holds only a name.
 
 ## Build sequencing
 
-1. **§1 renewal emails** — highest value, schema already ready, no blocker
-   beyond the SES sending account. ≈260 mails/month against a 91%-reachable
-   policyholder base.
+1. ~~**§1 renewal emails**~~ — **DONE 2026-08-01/02.** See §1's BUILT note.
+   ≈260 mails/month against a 91%-reachable policyholder base.
 2. **§2 liquidación batch** — small, builds on fields already wired. Do the two
    defect fixes (missing `policy_types` rows + FK `ON DELETE RESTRICT`) as part
    of it, since both distort its own report.
@@ -739,11 +787,15 @@ No collision with the abilities proposed in `RECEIPT_CAPTURE_SPEC.md`
 
 ## Open questions to take back to Jorge (collected)
 
-**§1 — renewal emails**
+**§1 — renewal emails** (feature built; these three are still open)
 - Which SES region + verified identity/configuration set, and whether to reuse
-  existing IAM credentials or create a scoped `ses:SendEmail` user.
+  existing IAM credentials or create a scoped `ses:SendEmail` user. **Still
+  unanswered in production**: the `SES_*` variables are wired through the
+  deploy workflow but unset in Gitea, so production sends fail loudly.
 - The 78 policyholders with no email: skip silently, or produce a print
-  worklist? (Recommend the worklist.)
+  worklist? Currently they are **logged as `SKIPPED_NO_EMAIL`** in
+  `email_notification_log` — visible in "Registro de envíos", but not yet a
+  printable worklist. (Recommend the worklist.)
 - Spanish or English notice body?
 
 **§2 — liquidación**
diff --git a/docs/MASS_EMAIL_NOTIFICATIONS.md b/docs/MASS_EMAIL_NOTIFICATIONS.md
index 511a9ba..66a20e8 100644
--- a/docs/MASS_EMAIL_NOTIFICATIONS.md
+++ b/docs/MASS_EMAIL_NOTIFICATIONS.md
@@ -32,11 +32,16 @@ feature ports the four jobs onto the unified data and writes its own log.
   `payment-confirm`, `account-status`, `trust-confirm`), each a public
   service method + a `POST /notifications/{slug}` HTTP endpoint gated on
   the new `notification:send` ability (MANAGER).
+- `apps/api/src/notifications/notification-schedule.service.ts` (+ its own
+  module) — the cadence of **both** automatic sweeps, stored in
+  `app_settings` and installed into `SchedulerRegistry` at boot. See
+  "Scheduled runs" below.
 - `packages/database/prisma/migrations/20260801200000_mass_email_notifications/migration.sql`
   — two new tables (`email_notification_log`, `account_status_history`)
   with enums and FKs to `customers`.
-- `apps/web/src/app/notificaciones/` — admin page with 4 trigger cards,
-  a flags panel, a transport-status header, and a paginated log browser.
+- `apps/web/src/app/notificaciones/` — admin page: a shared flags panel and
+  schedule editor above the tabs, then per-tab trigger cards, a
+  transport-status header, and a paginated log browser.
 
 ## Job semantics
 
@@ -82,6 +87,36 @@ reported per-customer, never collapsed (see `BillingService.balances()`).
 `useEmailLimit=true` enables a vestigial throttle: pause the sweep 1h
 after 100 sends. Off by default; SES does not need it.
 
+## Send flags
+
+The three flags are **platform-wide**, not per-tab. They live in the
+`/notificaciones` shell above the tabs (`NotificationFlagsCard`), and the
+shell passes them to both halves.
+
+| Flag | Applies to | Effect |
+|---|---|---|
+| `debug` | everything | Rewrites every recipient to `DEBUG_RECIPIENT` (`rmancinas@freakma.net`), tags the log row `debug: true`, sends with `xTracking: "debug"`. |
+| `ignoreDayRestriction` | Job 3 only | Bypasses the Wed / Mon-Wed-Fri gates. |
+| `useEmailLimit` | Job 3 only | The vestigial throttle above. |
+
+`debug` used to exist only on the servicios side, which meant there was no
+way to test a renewal aviso without mailing a real customer. On the pólizas
+path it now does three things beyond diverting the mail, all for the same
+reason — *the customer was not notified, so nothing may claim they were*:
+
+1. no `RenewalNotice` row is written, so the aviso stays in the pending list;
+2. the sweep's `lastSuccessfulAt` is not advanced, because `renewalWindow()`
+   uses it to widen the window over missed days — advancing it after a test
+   run would narrow tomorrow's window and drop those candidates for good;
+3. the send response carries `debug: true` and the address actually used, so
+   the UI says "prueba enviada … el cliente no ha recibido nada" rather than
+   claiming a delivery.
+
+Flags are **per-visit UI state and are never persisted.** A stored `debug`
+would survive a reload and silently swallow real customer mail for as long
+as nobody noticed. For the same reason the automatic runs below ignore them
+entirely and always send for real.
+
 ## Tables
 
 ### `email_notification_log`
@@ -157,11 +192,19 @@ quietly going nowhere.
 
 ## UI
 
-`/notificaciones`, two tabs over the one log:
+`/notificaciones`, two tabs over the one log.
 
-- **Servicios** (`notification:send`) — four trigger cards, a
-  debug/ignoreDayRestriction/useEmailLimit flags panel, a transport status
-  header. Reads the `CUSTOMERS` + `TRUST` slice.
+Above the tabs, owned by the shell because both halves are subject to them:
+
+- **Flags del envío** — the three flags above.
+- **Programación de envíos** — the cadence of both automatic sweeps
+  (`setting:manage` to edit; everyone can see when the next run is).
+
+Then per tab:
+
+- **Servicios** (`notification:send`) — an "Ejecutar todos" card, four
+  trigger cards, a transport status header, and the summary-recipients
+  setting. Reads the `CUSTOMERS` + `TRUST` slice.
 - **Pólizas** (`renewal:send`) — pending avisos and the manual sweep.
   Reads the `POLICIES` slice.
 
@@ -169,6 +212,31 @@ Both render the same `NotificationLogPanel` ("Registro de envíos"), which
 filters by servicio and by view (todos / enviados / fallidos / omitidos).
 STAFF users see the Servicios log read-only.
 
+Both mass actions ("Ejecutar todos" and the pólizas sweep) confirm before
+firing **only when `debug` is off** — that is the case where real customers
+receive mail, and a confirm on every click trains people to dismiss it.
+
+## API surface
+
+| Method | Route | Ability |
+|---|---|---|
+| `POST` | `/notifications/outstanding-payments` | `notification:send` |
+| `POST` | `/notifications/payment-confirmation` | `notification:send` |
+| `POST` | `/notifications/account-status` | `notification:send` |
+| `POST` | `/notifications/trust-payment-confirmation` | `notification:send` |
+| `POST` | `/notifications/run-all` | `notification:send` |
+| `GET` | `/notifications/log`, `/notifications/stats` | authenticated |
+| `GET` | `/notifications/settings/admin-emails` | authenticated |
+| `PUT` | `/notifications/settings/admin-emails` | `setting:manage` |
+| `GET` | `/notifications/settings/schedule` | authenticated |
+| `PUT` | `/notifications/settings/schedule/:kind` | `setting:manage` |
+
+Every trigger accepts the flags as **body or query string** — the PHP
+scripts took both (STDIN vs HTTP-CGI) and parity was cheap. The pólizas
+endpoints (`POST /renewals/sweep`, `POST /renewals/send`) accept `debug`
+only; the other two flags are estado-de-cuenta concepts and are not
+accepted there rather than being silently ignored.
+
 ## Operator settings
 
 `app_settings` holds the configuration staff change without a redeploy.
@@ -176,26 +244,86 @@ STAFF users see the Servicios log read-only.
 which of the three a value came from so the UI can say so. Adding a key
 means adding a typed accessor there, not a generic getter.
 
-Currently one key: `notification.adminEmails` (summary recipients), edited
-on the Servicios tab, gated on `setting:manage` (ADMIN — above
-`notification:send`, because redirecting the audit summaries is how someone
-would stop them being read). Read on every job rather than cached, so an
+Keys today:
+
+| Key | Edited on | Notes |
+|---|---|---|
+| `notification.adminEmails` | Servicios tab | Summary recipients, comma-separated. |
+| `notification.schedule.servicios` | shell | JSON cadence of the automatic run-all. |
+| `notification.schedule.polizas` | shell | JSON cadence of the renewal sweep. |
+
+All three are gated on `setting:manage` (ADMIN — above `notification:send`,
+because redirecting the audit summaries is how someone would stop them being
+read).
+
+`notification.adminEmails` is read on every job rather than cached, so an
 edit takes effect on the next sweep with no restart. An empty saved list
 means "nobody" and deliberately does **not** fall through to the env.
 
+The two schedule keys have **no env rung** on the db → env → default ladder:
+a cadence was never an environment variable (it was a `@Cron` literal in the
+source), so the only two sources are the operator's row and the shipped
+default. A row that fails to parse is logged and treated as absent — a bad
+JSON blob must not take the scheduler down with it.
+
 Credentials do not belong here. SES keys, `DATABASE_URL` and S3 config stay
 in the environment: they are deployment identity, they must exist before
 the app can reach its own database, and a table only widens who can read
 them.
 
-## Cron (future)
+## Scheduled runs
 
-The four service methods (`runOutstandingPayments`, `runPaymentConfirmation`,
-`runAccountStatus`, `runTrustConfirmation`) are the entry points. A future
-`@nestjs/schedule` cron would call them on the legacy cadence (Job 3 on
-Mon/Wed/Fri, Job 2 daily, Jobs 1 + 4 ad-hoc). Pattern matches
-`OpsService`'s single-running-job guard: one `email_notification_sweep`
-OpsJob per run, with its log streamed to `OpsJob.log`.
+Both halves run themselves on an **operator-editable** cadence. Nothing
+about the schedule is in the source any more:
+
+| Kind | Handler | Default | Was |
+|---|---|---|---|
+| `servicios` | `NotificationsService.scheduledRunAll()` → all four jobs in order | **off**, 07:00 Mon/Wed/Fri when enabled | nothing — the four jobs were click-only |
+| `polizas` | `RenewalsService.scheduledSweep()` | **on**, 06:00 daily | `@Cron("0 6 * * *")` in `renewals.service.ts` |
+
+The defaults preserve exactly what each half did before: pólizas keeps its
+06:00 sweep, servicios stays off. A default that starts mailing 260
+customers on its own after a deploy is not a default, it's an incident.
+
+### How it works
+
+`NotificationScheduleService` owns both cadences. The services that own the
+sweeps register a handler in `onModuleInit`:
+
+```ts
+await this.schedule.register("polizas", () => this.scheduledSweep());
+```
+
+The schedule service then compiles the stored value to a cron expression
+(`{hour, minute, weekdays}` → `m h * * dow`, empty weekdays = `*`) and
+installs a `CronJob` in `SchedulerRegistry` under
+`notification-schedule:<kind>`, in `America/Tijuana`. Saving from the UI
+re-reads the row, removes the old job and installs the new one — **no
+restart**, which was the whole point.
+
+Handlers are registered rather than injected because
+`NotificationsModule` and `RenewalsModule` both need this service and
+neither may import the other. It lives in its own
+`NotificationScheduleModule` for the same reason as
+`NotificationLogModule`.
+
+`cron` is a **direct dependency of `apps/api`**, not just a transitive one
+of `@nestjs/schedule`: pnpm's strict layout does not hoist it, so
+`import { CronJob } from "cron"` fails to resolve without it.
+
+### What a scheduled run does not do
+
+- **It never uses the UI flags.** No `debug` (so a forgotten test toggle
+  cannot silently stop customer mail), and no `ignoreDayRestriction` — an
+  automatic run on the operator's own cadence is exactly the case the
+  Mon/Wed/Fri gate was written for, so bypassing it would mail the red list
+  every scheduled day.
+- **It does not guard against multi-replica double-fire.** The pólizas sweep
+  has always had its own DB lock (`scheduled_job_states`, taken in
+  `RenewalsService.acquireLock`); the servicios run-all has no equivalent
+  and relies on the deployment being single-replica, which it is today on
+  galactus. Adding one means the `OpsService` single-running-job pattern —
+  a DB row, not an in-process flag.
 
 ## What is intentionally NOT in scope
 
diff --git a/docs/RENEWAL_NOTICES.md b/docs/RENEWAL_NOTICES.md
index 79ae794..e77e2e2 100644
--- a/docs/RENEWAL_NOTICES.md
+++ b/docs/RENEWAL_NOTICES.md
@@ -126,6 +126,16 @@ from data (one parameterized template), not from report design text. See
 `RenewalNotice` in `schema.prisma` and the `aviso-renovacion` entry in
 `apps/api/src/reports/reports.registry.ts` for the first cut at this.
 
+> **Built 2026-08-01/02.** The three generations above are now
+> `RenewalNotice.generation` 1/2/3, mailed by `apps/api/src/renewals/` on an
+> operator-editable cadence (default 06:00 daily) and driven from the
+> **Pólizas** tab of `/notificaciones`. The `CONTROL … X MES` companion
+> reports have no equivalent and need none: every attempt — sent, failed, or
+> skipped for a missing address — lands in `email_notification_log`. See
+> [`MASS_EMAIL_NOTIFICATIONS.md`](MASS_EMAIL_NOTIFICATIONS.md) and
+> [`INSURANCE_FEATURES_SPEC.md`](INSURANCE_FEATURES_SPEC.md) §1. This document
+> stays a record of the **legacy** report chain, not of what shipped.
+
 ## Caveats
 
 - Only the ATLAS variants were extracted verbatim; the QUALITAS and