> ## Documentation Index
> Fetch the complete documentation index at: https://docs.myclerkbook.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Smart Insights

> Alerts and summaries that reach you without a login, built from a template library or from scratch.

A Smart Insight watches your book and tells you something. Where a widget waits
for you to look at it, an alert comes to you: three days before a subscription
renews, the morning a trial is about to convert, every Monday with the week
behind you.

Every alert is one you created. myClerkBook ships a library of templates rather
than a set of switches, and each one you turn on becomes a live instance you
own, can change and can delete. Onboarding offers you a starter set so a new
book is already watching something.

## What an alert is made of

Three parts, and you can change all three.

<CardGroup cols={3}>
  <Card title="A trigger" icon="clock">
    A schedule or a condition tested against the book. Three days before a
    renewal, or the moment spending passes a figure you set.
  </Card>

  <Card title="A message" icon="envelope">
    What lands in front of you, carrying the figures the trigger found.
  </Card>

  <Card title="A channel" icon="paper-plane">
    Where it is sent. One alert can go to more than one place.
  </Card>
</CardGroup>

**Your triggers are checked once a day.** Each active alert is tested against
the book's current figures, and anything that fires is sent on the channels you
chose for it.

## Setting one up

<Steps>
  <Step title="Open Insights inside a book">
    The **Insights** screen holds the template library and everything you have
    already created. Alerts belong to a book, so an alert on your client work
    has nothing to do with your personal book.
  </Step>

  <Step title="Pick a template">
    Every template states its trigger and what it delivers. Premium templates
    are listed and locked on Basic rather than hidden, so you can see what is
    behind the plan before you decide.
  </Step>

  <Step title="Set its parameters">
    Change what the template exposes: the number of days of warning, the
    threshold amount, the vendor it watches, the day it summarises.
  </Step>

  <Step title="Choose channels">
    Email needs no setting up. SMS and WhatsApp need a number linked in your
    integration settings first.
  </Step>
</Steps>

Alerts are only ever created inside the product: the Agent's WhatsApp access
is read only and creates nothing.

## Channels

**Email always works, on the address you registered with, and there is nothing
to connect.** It is available on both plans.

**SMS and WhatsApp are Premium**, need a number linked in your integration
settings, and are set per alert rather than per account. A weekly summary by
email and an emergency balance alert on WhatsApp is a normal arrangement.

<Note>
  The WhatsApp number you link is one connection with two uses: it delivers
  alerts, and it is the same number the myClerkBook Agent answers on. See
  [Integrations](/features/integrations).
</Note>

## The starter library

Eight templates, on both plans, delivered by email.

| Template                 | When it fires                                                  |
| ------------------------ | -------------------------------------------------------------- |
| Upcoming expense, 3 days | Three days before a recurring expense is due                   |
| Upcoming expense, 1 day  | The day before a recurring expense is due                      |
| Trial ending, 3 days     | Three days before a tracked trial ends                         |
| Trial ending, 1 day      | The day before a tracked trial ends                            |
| Income reminder          | Expected income passes its date with nothing logged against it |
| Cash flow alert          | The month's expenses go past the month's income                |
| Weekly summary           | Every Monday, the week in review                               |
| Monthly summary          | The first of the month, a snapshot of the last one             |

## The Premium library

Four further templates, in addition to everything above, deliverable by email,
SMS or WhatsApp.

| Template                | When it fires                                                               |
| ----------------------- | --------------------------------------------------------------------------- |
| Emergency balance alert | A figure you set is crossed, on a single entry or on the day's net balance  |
| Vendor payment overdue  | A named client's expected income passes a number of days late that you set  |
| Category spend spike    | A group's spending in this period runs a percentage you set above its usual |
| Multi-dashboard digest  | On a schedule you choose, one rollup covering every book at once            |

## Building one from scratch

The **custom builder** is Premium, and it is the difference between changing a
template and writing a rule.

|                 | Basic           | Premium                                                   |
| --------------- | --------------- | --------------------------------------------------------- |
| Starter library | Eight templates | Eight templates                                           |
| Premium library | Visible, locked | Four further templates                                    |
| Custom builder  | Visible, locked | Choose the trigger type, parameters, message and channels |
| Channels        | Email           | Email, SMS or WhatsApp, per alert                         |

On Basic you take a template and adjust what it offers: a three day warning
becomes five, a threshold amount changes. On Premium you start from the trigger
type itself, threshold, schedule, vendor or category, set its parameters, write
the message or have the Agent draft it, and choose the channels.

## Related features

<CardGroup cols={2}>
  <Card title="Integrations" icon="plug" href="/features/integrations">
    Linking the number that SMS and WhatsApp delivery need.
  </Card>

  <Card title="Multiple Dashboards" icon="layer-group" href="/features/multiple-dashboards">
    Alerts belong to a book, and the digest rolls every book into one message.
  </Card>
</CardGroup>

<Card title="Next: Smart Widgets" icon="arrow-right" href="/features/smart-widgets">
  The dashboard grid, and the panels you build it from.
</Card>