diff --git a/.planning/phases/09-user-profile-preferences-new/09-02-SUMMARY.md b/.planning/phases/09-user-profile-preferences-new/09-02-SUMMARY.md
new file mode 100644
index 0000000..7d769ec
--- /dev/null
+++ b/.planning/phases/09-user-profile-preferences-new/09-02-SUMMARY.md
@@ -0,0 +1,144 @@
+---
+phase: 09-user-profile-preferences-new
+plan: "02"
+subsystem: api-routes
+tags: [api, auth, channels, theme, notifications, phase-9]
+dependency_graph:
+  requires:
+    - "user.theme column (Plan 01 — migration 084)"
+    - "notification_channels.owner_user_id + partial unique index (Plan 01 — migration 085)"
+    - "notify_event_keys + user_event_subscriptions tables (Plan 01 — migration 086)"
+    - "NotifyEventKey, UserEventSubscription, NotificationChannel types (Plan 01)"
+  provides:
+    - "GET + PUT /api/me/theme — { theme, source } and validated write"
+    - "GET /api/me/channels — user's personal channels, camelCase"
+    - "PUT /api/me/channels/[type] — UPSERT + best-effort test send"
+    - "DELETE /api/me/channels/[type] — remove personal channel"
+    - "POST /api/me/channels/[type]/test — re-send test to existing channel"
+    - "GET + PUT /api/me/notification-subscriptions — full matrix + single row UPSERT"
+    - "lib/services/personal-channels.ts — shared validation + test-send helpers"
+  affects:
+    - "Plans 03/04/05/06 — consume these endpoints and the personal-channels service"
+tech_stack:
+  added: []
+  patterns:
+    - "WITH-CTE UPSERT pattern scoped to (owner_user_id, channel_type) with 23505 → 409 fallback"
+    - "Default-enabled matrix (row absence = true) for subscription opt-out model"
+    - "Best-effort test send on every channel save — never blocks success"
+    - "SSRF mitigation: Teams URL hostname allowlist via URL() parsing"
+    - "Snake_case column names in DB, camelCase in API responses (manual transform)"
+key_files:
+  created:
+    - app/api/me/theme/route.ts
+    - app/api/me/channels/route.ts
+    - app/api/me/channels/[type]/route.ts
+    - app/api/me/channels/[type]/test/route.ts
+    - app/api/me/notification-subscriptions/route.ts
+    - lib/services/personal-channels.ts
+  modified: []
+decisions:
+  - "theme source='default' when stored value is 'system' (matches /api/me/timezone semantic)"
+  - "WITH-CTE UPSERT (not INSERT ... ON CONFLICT) because the partial unique index only fires on INSERT — the CTE update arm is the preferred path, with INSERT as fallback when no existing row"
+  - "sendChannelTest does NOT log channel.config to avoid leaking webhook URLs / auth tokens in server logs"
+  - "Custom ntfy topic 400 response body carries both error and message keys so Plan 05 UI can render inline error below the input"
+metrics:
+  duration_minutes: 15
+  completed_date: "2026-05-10"
+  tasks_completed: 3
+  files_created: 6
+  files_modified: 0
+---
+
+# Phase 9 Plan 02: Per-User API Surface Summary
+
+One-liner: Six new files deliver the complete /api/me/* API surface for theme, personal channels (Teams + ntfy), and notification subscription matrix — all gated by requireAuth(), writing only session.user.id, with Teams SSRF prevention and default-enabled subscription fallback.
+
+## Tasks Completed
+
+| Task | Name | Commit | Files |
+|------|------|--------|-------|
+| 1 | GET + PUT /api/me/theme | dc5dc91 | app/api/me/theme/route.ts |
+| 2 | Personal channels service + /api/me/channels routes | c35b968 | lib/services/personal-channels.ts, app/api/me/channels/route.ts, app/api/me/channels/[type]/route.ts, app/api/me/channels/[type]/test/route.ts |
+| 3 | GET + PUT /api/me/notification-subscriptions | 55a80a0 | app/api/me/notification-subscriptions/route.ts |
+
+## Route Files
+
+### app/api/me/theme/route.ts
+- **Exports:** `GET`, `PUT`
+- **GET:** `SELECT theme FROM "user" WHERE id = $1` → `{ theme: 'light'|'dark'|'system', source: 'user'|'default' }`. Source is `'user'` when stored value differs from `'system'` (the default).
+- **PUT:** Validates `body.theme` against `ALLOWED_THEMES = new Set(['light', 'dark', 'system'])`. Returns 400 on invalid value. `UPDATE "user" SET theme = $1, updated_at = NOW() WHERE id = $2 RETURNING theme` — uses `updated_at` (snake_case, unquoted, matches migration 012). Does NOT contain `"updatedAt"`.
+- **Auth:** `requireAuth()` on both handlers. Write target: `session!.user.id` only.
+
+### app/api/me/channels/route.ts
+- **Exports:** `GET`
+- **GET:** `SELECT ... FROM notification_channels WHERE owner_user_id = $1 ORDER BY channel_type ASC` → `{ channels: [...camelCase rows] }`. Scoped strictly to calling user.
+
+### app/api/me/channels/[type]/route.ts
+- **Exports:** `PUT`, `DELETE`
+- **PUT teams:** Validates `webhook_url` via `isValidTeamsWebhookUrl`. Name: `"Personal Teams (<email>)"`. Config: `{ webhook_url }`.
+- **PUT ntfy:** Validates custom topic via `isValidNtfyTopic` if supplied; otherwise mints via `mintNtfyTopic()`. Name: `"Personal ntfy (<email>)"`. Config: `{ server_url: 'https://ntfy.sh', topic }`.
+- **PUT UPSERT SQL:** WITH-CTE pattern — UPDATE existing row if present, INSERT if not; params `[$1=owner_user_id, $2=channel_type, $3=name, $4=config]`. On `23505` unique_violation → 409 `{ error: 'Conflict', message: '...' }`.
+- **PUT response:** `{ channel: <camelCase row>, test: <ChannelTestResult> }`.
+- **DELETE SQL:** `DELETE FROM notification_channels WHERE owner_user_id = $1 AND channel_type = $2 RETURNING id` → 404 if rowCount=0, else `{ deleted: true, channelType }`.
+- **Auth:** `requireAuth()` on both. No `userId`/`user_id`/`owner_user_id` accepted from body.
+
+### app/api/me/channels/[type]/test/route.ts
+- **Exports:** `POST`
+- **POST:** `SELECT ... WHERE owner_user_id = $1 AND channel_type = $2` → 404 if missing. Calls `sendChannelTest(channel)` → `{ test: ChannelTestResult }`. Returns 200 even on test failure.
+
+### app/api/me/notification-subscriptions/route.ts
+- **Exports:** `GET`, `PUT`
+- **GET implementation:** Three sequential queries:
+  1. `SELECT key, display_label, description, sort_order FROM notify_event_keys WHERE is_active = true ORDER BY sort_order ASC, key ASC`
+  2. `SELECT channel_type FROM notification_channels WHERE owner_user_id = $1 AND is_active = true`
+  3. `SELECT event_key, channel_type, enabled FROM user_event_subscriptions WHERE user_id = $1`
+  - Builds matrix defaulting to `true` when no row exists (D-15 opt-out model).
+- **GET response shape:** `{ eventKeys: [{key, displayLabel, description, sortOrder}], channelTypes: string[], matrix: { [event_key]: { [channel_type]: boolean } } }`
+- **PUT validation:** `event_key` non-empty string ≤ 128 chars; `channel_type` via `isPersonalChannelType`; `enabled` via `typeof === 'boolean'` (400 on failure).
+- **PUT SQL:** `INSERT INTO user_event_subscriptions ... ON CONFLICT (user_id, event_key, channel_type) DO UPDATE SET enabled = EXCLUDED.enabled, updated_at = NOW() RETURNING ...`
+- **PUT response:** `{ subscription: { eventKey, channelType, enabled } }`
+
+## lib/services/personal-channels.ts — Exported Symbols
+
+| Symbol | Type | Description |
+|--------|------|-------------|
+| `TEST_MESSAGE_BODY` | `const string` | `'Pulse channel verified — you can ignore this message.'` |
+| `isValidTeamsWebhookUrl` | `(input: unknown) => input is string` | https:// + hostname must match *.webhook.office.com or *.logic.azure.com |
+| `isValidNtfyTopic` | `(input: unknown) => input is string` | Regex `^[A-Za-z0-9_-]{6,64}$` |
+| `mintNtfyTopic` | `() => string` | Returns `pulse-XXXXXXXX` (8 hex chars from crypto.randomUUID()) |
+| `sendChannelTest` | `(channel: NotificationChannel) => Promise<ChannelTestResult>` | Best-effort test send to teams or ntfy |
+| `isPersonalChannelType` | `(t: unknown) => t is 'teams' \| 'ntfy'` | Type guard for allowed personal channel types |
+| `PERSONAL_CHANNEL_TYPES` | `ChannelType[]` | `['teams', 'ntfy']` |
+
+## Security Confirmations
+
+- **No route accepts userId/user_id/owner_user_id from request input.** All writes are scoped to `session!.user.id` from `requireAuth()`.
+- **Theme route uses `updated_at` (NOT `"updatedAt"`).** Verified: the file contains `updated_at = NOW()` and does not contain the quoted camelCase identifier.
+- **Teams SSRF prevention:** `isValidTeamsWebhookUrl` uses `new URL(input)` to parse then checks `u.protocol === 'https:'` and hostname against three host patterns. Internal hosts cannot match.
+- **Custom ntfy topic 400 shape:** `{ error: 'Invalid topic', message: 'topic must match ^[A-Za-z0-9_-]{6,64}$' }` — Plan 05 UI renders `message` inline below the custom-topic Input.
+- **sendChannelTest does not log channel.config** — only logs channel id/type on failure paths.
+
+## Deviations from Plan
+
+None — plan executed exactly as written.
+
+## Threat Flags
+
+No new network endpoints, auth paths, file access patterns, or schema changes beyond what was declared in the plan's threat model. All ten threats documented (T-09-02-01 through T-09-02-10) are addressed by the implementation.
+
+## Self-Check: PASSED
+
+Files exist:
+- app/api/me/theme/route.ts: FOUND
+- app/api/me/channels/route.ts: FOUND
+- app/api/me/channels/[type]/route.ts: FOUND
+- app/api/me/channels/[type]/test/route.ts: FOUND
+- app/api/me/notification-subscriptions/route.ts: FOUND
+- lib/services/personal-channels.ts: FOUND
+
+Commits exist:
+- dc5dc91: FOUND (Task 1 — theme route)
+- c35b968: FOUND (Task 2 — channels service + routes)
+- 55a80a0: FOUND (Task 3 — notification-subscriptions route)
+
+TypeScript: `npx tsc --noEmit --pretty` exit 0 — no errors.