Release Notes - v1.4.0

[Christian Jay]

WealthSnap v1.4.0 - Release Notes

Release Date: January 25, 2026
Build: Version 1.4.0 (Feature Release)

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✨ What's New📊 Enhanced Financial Insights Accuracy

This update focuses on improving the accuracy and transparency of Financial Insights calculations to ensure you have the most reliable information for making financial decisions.

🎯 Improved Budget Health Thresholds

• Smarter Color Indicators - Budget Health card now uses more realistic thresholds:
  • Green (<70%): Healthy - plenty of budget remaining
  • Orange (70-90%): Warning - approaching budget limit
  • Red (>90%): Danger - over budget or very close
• Previous Issue: At 99% spent, the card would show green (healthy), which was misleading
• New Behavior: More conservative thresholds help you catch budget overruns earlier

ℹ️ New Info Popups for Better Understanding

Three cards now include educational info icons to help you understand the metrics:

1. Financial Runway Card

   • Important Clarification Added: The modal now clearly explains that "runway" is calculated using your tracked balance (lifetime income - expenses), not your actual bank account balance
   • Warning Box: Prominent notice explaining the limitation and guidance on recording starting balance
   • Why This Matters: Prevents false confidence if you don't realize it's based on tracked transactions only

2. Budget Health Card

   • Explains the calculation formula
   • Color Guide: Visual breakdown of what each threshold means
   • Helps you understand when to take action on budget

3. Daily Average Card

   • Explains how daily spending is calculated
   • Use Cases: Compare months, set daily goals, identify spending patterns
   • Makes this metric more actionable

📝 Spending Comparison Clarity

• Added Footnote: Comparison Chart now includes "*Projection assumes even spending throughout month"
• Why: Pro-rating assumes linear spending, but reality is different (bi-weekly paychecks, rent on 1st, etc.)
• Result: Sets proper expectations about projection accuracy
• Visual: Clean, professional footnote in italic text below the insight

Revamped Help Center & Documentation

We've completely transformed the Onboarding Guide into a comprehensive System-Level Help Center.

🧠 Centralized Knowledge Base

• Unified Access: Moved to the very top of the Profile screen for instant visibility.
• Menu-Driven: Replaced the simple slide carousel with a structured menu offering three distinct sections:
  1. Getting Started: The classic onboarding slides for new users.
  2. Financial Insights: Detailed explanation of every card and metric.
  3. Math & Formulas: Full technical transparency on how every number is calculated.

📖 Deep Documentation Integration

• Full Transparency: We've exposed our internal documentation directly in the app.
• Detailed Formulas: Wondering how "Burn Rate" or "Savings Rate" is calculated? It's all there, including edge cases and color logic.
• Rich Formatting: Documents are rendered with headers, bullet points, formulas, and alert boxes for easy reading.

⚡ Bottom Sheet Experience

• Modern UI: The Help Center now opens as a convenient Bottom Modal, feeling more lighter and integrated than a full-screen page.

🛡️ Terms of Use & Privacy Infrastructure

This update introduces a robust system for managing legal agreements and user privacy awareness.

🔄 Mandatory Versioning System

• Update Enforcement: We've implemented a whole-number versioning system (e.g., v1, v2). If we update our terms, the app will automatically prompt you to review and re-accept them before continuing.
• Accepted Version Tracking: Your acceptance is now securely tracked locally so you're only prompted when a significant change occurs.

📖 Reusable Legal Components

• Centralized Content: Terms of Use and Privacy Policy are now managed as reusable components, ensuring consistency across onboarding and the settings menu.

👤 Easy Access via Profile

• Legal Reference Screen: Added a new "Terms of Use & Privacy" button in the Profile/Help section.
• Reference View: Unlike onboarding, this reference view doesn't require scrolling to the bottom, allowing quick access to information when you need it.

💎 Premium Legal UI

• Hero Headers: New specialized headers with linear gradients and professional icons.
• Interaction Feedback: Improved checkbox states and "scroll-to-bottom" indicators with success badges.
• Safe Area Optimization: Fixed the "Home Button" overlap issue—the footer now respects system safe area insets on modern devices.
• Legal Document Synchronization: Synchronized privacy_policy.html and TermsContent.tsx to ensure 1:1 legal consistency between the website and the app.
• Strengthened Disclaimers: Broadened accuracy disclaimers to explicitly cover both AI analysis and standard application logic/calculations, providing better developer protection.
• Improved Privacy Disclosures: Clarified that transaction images are not permanently stored on the device after processing.

🔔 Smart Reminders & Catch-up

Stay on top of your financial habits with our enhanced reminder system.

⚡ Interactive Notifications

• Instant Actions: Snooze (15m) or Complete reminders directly from the notification without opening the app fully.
• Convenience: Manage your tasks faster with just a tap.

📥 Catch-up Mode

• Never Miss a Beat: If you missed or snoozed reminders, a smart "Catch-up Modal" will greet you when you open the app.
• Batch Processing: Review and handle all your pending tasks in one clean view.
• Snooze Logic: Snoozed reminders are intelligently tracked and resurfaced if you haven't completed them.

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🐛 Bug Fixes

• Fixed misleading Budget Health color indicators (green at 99% spent)
• Corrected Financial Runway calculation documentation
• Fixed Startup Crash: Resolved a critical NativeDatabase.prepareAsync race condition that caused app crashes on launch (NullPointerException).

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🛠️ Technical Changes

• Added onInfoPress callback system to Overview Cards for modular modal handling
• Implemented 3 new BottomModal components for card-specific education
• Improved Comparison Chart layout to support footnote display
• Created TermsContent reusable component for legal text
• Added LegalAcceptanceScreen for mandatory legal updates
• Added TermsAndPrivacyScreen for standalone reference viewing
• Implemented useSafeAreaInsets for legal screen footers
• Added ACCEPTED_TERMS_VERSION tracking to storageService
• Help Center Architecture:
  • Implemented HelpCenterScreen with dual mode (Menu vs Content).
  • Created helpContent.ts as a structured content store for markdown-like data.
  • Refactored ProfileScreen to use BottomModal for help display.
  • Integrated SetupScreen to reuse the new Help Center logic.

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📝 For Testers

Please test the following:

1. Budget Health Colors:

   • Set budgets at different spending levels (50%, 75%, 85%, 95%)
   • Verify colors: green, orange, orange, red respectively

2. Info Popups:

   • Tap (ℹ️) icon on Financial Runway card → verify warning box is visible and readable
   • Tap (ℹ️) icon on Budget Health card → verify color guide matches actual behavior
   • Tap (ℹ️) icon on Daily Average card → verify explanation opens

3. Comparison Chart Footnote:

   • Check that "*Projection assumes even spending throughout month" appears below the insight
   • Verify it's styled in gray italic text
   • Toggle privacy mode and ensure footnote disappears

4. Cross-Reference:

   • Compare Budget Health percentages with the color thresholds in the info modal
   • Verify they match (e.g., 85% should show orange, not green)

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🎓 Educational Improvements

This release is part of our commitment to financial literacy. The new info popups provide:

• Clear Explanations: No jargon, easy to understand
• Visual Examples: Color-coded guides and examples
• Actionable Insights: Not just "what" but "why it matters"
• Transparency: Honest about calculation limitations (e.g., Financial Runway tracked balance note)

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Previous Version: 1.3.1

Package: com.christian.soyosa.WealthSnap