Let imports opt out of AI classification

Classification preferences gains "Classify newly imported transactions with
AI", stored as classify_on_import in config.toml and on by default, so existing
configurations keep their behaviour. It covers CSV imports and bank
synchronization alike.

With it off, no import path contacts the provider: classification falls to the
new provider-free rules path, where an opted-in merchant rule still applies its
category and tags, an alias match still attaches its merchant, and everything
else arrives on the editable fallback without a provenance error that would
suggest the provider had failed. Analyse remains available on demand.

web/src/Accounts.tsx

@@ -630,6 +630,7 @@ function ImportForm({
       {prepared && (
         <ImportReview
           prepared={prepared}
+          state={state}
           acceptState={acceptState}
           onError={onError}
           close={() => {
@@ -647,16 +648,20 @@ function ImportForm({
 // only obvious against real records.
 function ImportReview({
   prepared,
+  state,
   acceptState,
   onError,
   close,
 }: {
   prepared: PreparedImport;
+  state: State;
   acceptState: (state: State, message?: string) => void;
   onError: (error: string) => void;
   close: () => void;
 }) {
   const [busy, setBusy] = useState(false);
+  const classifying =
+    state.settings.classify_on_import && state.status.ai_configured;
   const discard = () => {
     // Free the server's prepared statement; an expiring one is harmless.
     void request("/api/import/cancel", { id: prepared.id }).catch(() => {});
@@ -744,6 +749,11 @@ function ImportReview({
           {prepared.samples.length} of {prepared.records} records, including the
           largest amount and both directions of money.
         </p>
+        <p className="muted small">
+          {classifying
+            ? "After importing, these transactions are classified with AI. Turn that off under Settings → Classification preferences."
+            : "AI classification of imports is off, so these transactions arrive unclassified and editable. Enabled merchant rules still apply."}
+        </p>
       </div>
       <div className="form-actions">
         <button

web/src/Settings.tsx

@@ -16,6 +16,9 @@ export function Settings({ state, mutate }: { state: State; mutate: Mutate }) {
   const [includeAmount, setIncludeAmount] = useState(
     state.settings.include_amount,
   );
+  const [classifyOnImport, setClassifyOnImport] = useState(
+    state.settings.classify_on_import,
+  );
   const [busy, setBusy] = useState(false);
   const [error, setError] = useState("");
   const [rebuild, setRebuild] = useState(false);
@@ -334,7 +337,11 @@ export function Settings({ state, mutate }: { state: State; mutate: Mutate }) {
               try {
                 await mutate(
                   "/api/settings",
-                  { model: model.trim(), include_amount: includeAmount },
+                  {
+                    model: model.trim(),
+                    include_amount: includeAmount,
+                    classify_on_import: classifyOnImport,
+                  },
                   "Classification preferences saved",
                 );
               } catch (err) {
@@ -366,6 +373,20 @@ export function Settings({ state, mutate }: { state: State; mutate: Mutate }) {
               Disabled by default for privacy. Enabling this shares the amount
               with the configured AI provider to help classification.
             </p>
+            <label className="checkbox">
+              <input
+                type="checkbox"
+                checked={classifyOnImport}
+                onChange={(e) => setClassifyOnImport(e.target.checked)}
+              />
+              Classify newly imported transactions with AI
+            </label>
+            <p className="muted small">
+              Applies to CSV imports and bank synchronization. When off, no
+              import contacts your AI provider: enabled merchant rules still
+              classify, and everything else arrives unclassified and editable.
+              AI classification → Analyse is unaffected.
+            </p>
             <button
               className="button primary"
               disabled={busy || credentialsBusy}

web/src/api.ts

@@ -93,7 +93,11 @@ export interface State {
     banking_configured: boolean;
     ai_configured: boolean;
   };
-  settings: { model: string; include_amount: boolean };
+  settings: {
+    model: string;
+    include_amount: boolean;
+    classify_on_import: boolean;
+  };
   sessions: { session_id: string; valid_until: string; accounts: Account[] }[];
 }
 export interface Total {

web/src/main.tsx

@@ -382,7 +382,7 @@ function App() {
               )}
               {page === "settings" && (
                 <Settings
-                  key={`${state.settings.model}-${state.settings.include_amount}`}
+                  key={`${state.settings.model}-${state.settings.include_amount}-${state.settings.classify_on_import}`}
                   state={state}
                   mutate={mutate}
                 />