diff --git a/src/components/insights/__tests__/ai-setup-hint-target.test.tsx b/src/components/insights/__tests__/ai-setup-hint-target.test.tsx
index 6e06357f6..c25d84aba 100644
--- a/src/components/insights/__tests__/ai-setup-hint-target.test.tsx
+++ b/src/components/insights/__tests__/ai-setup-hint-target.test.tsx
@@ -3,12 +3,21 @@
  * phone it is the only control on the tile a thumb has to hit, so it carries
  * the 44 px floor every other mobile action does (`size-11`), stepping down
  * from `sm` like the rest of the app.
+ *
+ * The hint is also an invitation, so it stays away from a person who switched
+ * both the Coach and AI analysis off.
  */
 import { renderToStaticMarkup } from "react-dom/server";
-import { describe, expect, it, vi } from "vitest";
+import { afterEach, describe, expect, it, vi } from "vitest";
 
+const auth = vi.hoisted(() => ({
+  modules: {} as Record<string, boolean>,
+}));
 vi.mock("@/hooks/use-auth", () => ({
-  useAuth: () => ({ user: { id: "u1" }, isAuthenticated: true }),
+  useAuth: () => ({
+    user: { id: "u1", modules: auth.modules },
+    isAuthenticated: true,
+  }),
 }));
 vi.mock("@/hooks/use-mounted", () => ({ useMounted: () => true }));
 vi.mock("@/hooks/use-ai-capability", () => ({
@@ -22,16 +31,21 @@ vi.mock("@/hooks/use-ai-capability", () => ({
 import { I18nProvider } from "@/lib/i18n/context";
 import { AiSetupHint } from "../ai-setup-hint";
 
-function dismissButton(): string {
+function render(surface: "insights" | "settings" = "insights"): string {
   vi.stubGlobal("window", {
     localStorage: { getItem: () => null, setItem: () => undefined },
   });
   const html = renderToStaticMarkup(
     <I18nProvider initialLocale="en">
-      <AiSetupHint surface="insights" />
+      <AiSetupHint surface={surface} />
     </I18nProvider>,
   );
   vi.unstubAllGlobals();
+  return html;
+}
+
+function dismissButton(): string {
+  const html = render();
   const match = html.match(
     /<button[^>]*data-slot="ai-setup-hint-dismiss"[^>]*>/,
   );
@@ -46,3 +60,22 @@ describe("the setup hint's dismiss button", () => {
     expect(cls).toContain("size-11");
   });
 });
+
+describe("the setup hint after an opt-out", () => {
+  afterEach(() => {
+    auth.modules = {};
+  });
+
+  it("is gone on both surfaces once the Coach and AI analysis are off", () => {
+    auth.modules = { coach: false, insights: false };
+    expect(render("insights")).not.toContain('data-slot="ai-setup-hint"');
+    expect(render("settings")).not.toContain('data-slot="ai-setup-hint"');
+  });
+
+  it("stays while either one is still on", () => {
+    auth.modules = { coach: false, insights: true };
+    expect(render("insights")).toContain('data-slot="ai-setup-hint"');
+    auth.modules = { coach: true, insights: false };
+    expect(render("settings")).toContain('data-slot="ai-setup-hint"');
+  });
+});
diff --git a/src/components/insights/ai-setup-hint.tsx b/src/components/insights/ai-setup-hint.tsx
index 89bdb7a9b..c8fa9abdc 100644
--- a/src/components/insights/ai-setup-hint.tsx
+++ b/src/components/insights/ai-setup-hint.tsx
@@ -13,6 +13,7 @@ import { SettingsCardActions } from "@/components/settings/_card-actions";
 import { useAiProviderState } from "@/hooks/use-ai-capability";
 import { useAuth } from "@/hooks/use-auth";
 import { useMounted } from "@/hooks/use-mounted";
+import { hasOptedOutOfAi } from "@/lib/ai/capabilities/types";
 import { useTranslations } from "@/lib/i18n/context";
 
 /**
@@ -26,8 +27,9 @@ import { useTranslations } from "@/lib/i18n/context";
  * It shows only while no provider is configured AND the person could set one
  * up here (`provider.canConfigure`: false inside somebody else's record and
  * while the operator has AI switched off, where the hint would point at a
- * setting nobody on this screen can change). Dismissing it is remembered per
- * viewer in this browser; the hint stays gone on both surfaces.
+ * setting nobody on this screen can change) AND they have not switched both
+ * the Coach and AI analysis off (`hasOptedOutOfAi`). Dismissing it is
+ * remembered per viewer in this browser; the hint stays gone on both surfaces.
  */
 const AI_SETUP_HINT_STORAGE_PREFIX = "healthlog.ai-setup-hint.dismissed";
 
@@ -63,6 +65,7 @@ export function AiSetupHint({
   const viewerId = user?.id ?? null;
   if (!mounted || viewerId === null) return null;
   if (provider.configured || !provider.canConfigure) return null;
+  if (hasOptedOutOfAi(user?.modules)) return null;
   if (dismissedNow || readDismissed(viewerId)) return null;
 
   const dismiss = () => {
diff --git a/src/components/onboarding/__tests__/done-screen.test.tsx b/src/components/onboarding/__tests__/done-screen.test.tsx
index 85725cd66..e704d891a 100644
--- a/src/components/onboarding/__tests__/done-screen.test.tsx
+++ b/src/components/onboarding/__tests__/done-screen.test.tsx
@@ -62,8 +62,9 @@ vi.mock("next/navigation", () => ({
   useRouter: () => ({ push: () => {}, replace: () => {} }),
 }));
 
+const auth = vi.hoisted(() => ({ modules: {} as Record<string, boolean> }));
 vi.mock("@/hooks/use-auth", () => ({
-  useAuth: () => ({ user: { id: "u1" } }),
+  useAuth: () => ({ user: { id: "u1", modules: auth.modules } }),
 }));
 
 /**
@@ -154,6 +155,13 @@ describe("<DoneScreen> AI panel", () => {
     providerState.canConfigure = true;
   });
 
+  it("leaves the panel out once the Coach and AI analysis are switched off", () => {
+    auth.modules = { coach: false, insights: false };
+    aiProviderState.data = undefined;
+    expect(render()).not.toContain('data-slot="onboarding-ai-panel"');
+    auth.modules = {};
+  });
+
   it("keeps every exit so the panel is fully skippable", () => {
     aiProviderState.data = undefined;
     const html = render();
diff --git a/src/components/onboarding/__tests__/getting-started-checklist.test.tsx b/src/components/onboarding/__tests__/getting-started-checklist.test.tsx
index 13d7733dc..0f9ac9a92 100644
--- a/src/components/onboarding/__tests__/getting-started-checklist.test.tsx
+++ b/src/components/onboarding/__tests__/getting-started-checklist.test.tsx
@@ -153,6 +153,28 @@ describe("<GettingStartedChecklist> — rows for an established account", () =>
     };
   });
 
+  it("leaves the AI row out once the Coach and AI analysis are switched off", () => {
+    // Nothing configured, so the row would be an open to-do: the person
+    // declined AI in Settings, Modules, and the list does not ask again.
+    providerState = {
+      configured: false,
+      managedBy: null,
+      canConfigure: true,
+      responseTimeoutMs: 60_000,
+    };
+    currentUser = user({ modules: { coach: false, insights: false } });
+    expect(render()).toContain("4 of 5 done");
+    // Either one still on keeps the row.
+    currentUser = user({ modules: { coach: false, insights: true } });
+    expect(render()).toContain("4 of 6 done");
+    providerState = {
+      configured: true,
+      managedBy: "user",
+      canConfigure: true,
+      responseTimeoutMs: 60_000,
+    };
+  });
+
   it("keeps the supporting queries enabled while the card can render", () => {
     currentUser = user();
     render();
diff --git a/src/components/onboarding/done-screen.tsx b/src/components/onboarding/done-screen.tsx
index 39a6d2f80..7e86bcc4e 100644
--- a/src/components/onboarding/done-screen.tsx
+++ b/src/components/onboarding/done-screen.tsx
@@ -28,6 +28,7 @@ import { setTourReferrer } from "@/components/onboarding/tour-launcher";
 import { queryKeys } from "@/lib/query-keys";
 import { apiGet } from "@/lib/api/api-fetch";
 import { useGrantAiConsent } from "@/hooks/use-grant-ai-consent";
+import { hasOptedOutOfAi } from "@/lib/ai/capabilities/types";
 import { useTranslations } from "@/lib/i18n/context";
 import { markChecklistExpanded } from "@/lib/onboarding/checklist-storage";
 import type { OnboardingStateDto } from "@/lib/onboarding/needs";
@@ -133,10 +134,12 @@ export function DoneScreen({ state }: { state: OnboardingStateDto }) {
   // The panel is one optional offer, shown only while this person could set
   // AI up here: `provider.canConfigure` is false while the operator has AI
   // switched off and inside a record somebody else owns. HealthLog is
-  // complete without it, so with nothing to offer the screen simply goes
-  // from "done" to the exits.
+  // complete without it, so with nothing to offer (or once the person
+  // switched the Coach and AI analysis off) the screen simply goes from
+  // "done" to the exits.
   const providerState = useAiProviderState();
-  const showAiPanel = providerState.canConfigure;
+  const showAiPanel =
+    providerState.canConfigure && !hasOptedOutOfAi(user?.modules);
   const { data: aiProvider } = useQuery<AiProviderStatus>({
     queryKey: queryKeys.userAiProvider(),
     queryFn: async () => {
diff --git a/src/components/onboarding/getting-started-checklist.tsx b/src/components/onboarding/getting-started-checklist.tsx
index e8bc4d4d0..ba5fcae95 100644
--- a/src/components/onboarding/getting-started-checklist.tsx
+++ b/src/components/onboarding/getting-started-checklist.tsx
@@ -21,6 +21,7 @@ import type { LucideIcon } from "lucide-react";
 
 import { Button } from "@/components/ui/button";
 import { useAccountOnceMounted } from "@/hooks/use-auth";
+import { hasOptedOutOfAi } from "@/lib/ai/capabilities/types";
 import { useTranslations } from "@/lib/i18n/context";
 import { useDashboardSnapshot } from "@/lib/queries/use-dashboard-snapshot";
 import { queryKeys } from "@/lib/query-keys";
@@ -263,9 +264,10 @@ export function GettingStartedChecklist() {
   });
 
   // The AI row reads the provider state `/api/auth/me` already carries:
-  // present only while AI can be set up from here (`canConfigure`), done once
-  // any provider is configured (a personal key, a local model, an OAuth
-  // sign-in or the operator's shared key). No request of its own.
+  // present only while AI can be set up from here (`canConfigure`) and the
+  // person has not switched the Coach and AI analysis off, done once any
+  // provider is configured (a personal key, a local model, an OAuth sign-in or
+  // the operator's shared key). No request of its own.
   const aiProvider = useAiProviderState();
 
   // v1.5: skip these two fetches once the card can't render at
@@ -336,7 +338,8 @@ export function GettingStartedChecklist() {
     (channel) => channel?.enabled === true,
   );
   const insightsConfigured = aiProvider.configured;
-  const aiConfigurable = aiProvider.canConfigure;
+  const aiConfigurable =
+    aiProvider.canConfigure && !hasOptedOutOfAi(user?.modules);
 
   const items = useMemo(
     () =>
diff --git a/src/lib/ai/capabilities/types.ts b/src/lib/ai/capabilities/types.ts
index bb1397d80..6c3e411e4 100644
--- a/src/lib/ai/capabilities/types.ts
+++ b/src/lib/ai/capabilities/types.ts
@@ -189,6 +189,22 @@ export const AI_OPT_OUT_MODULES: ReadonlySet<ModuleKey> = new Set<ModuleKey>([
   "insights",
 ]);
 
+/**
+ * Whether the record has every opt-out module switched off, read from the
+ * module map on `/api/auth/me` (a key the map does not carry counts as on).
+ * An invitation to set AI up has nothing left to offer then. It does not gate
+ * the AI settings themselves: document reading, lab photos and medication
+ * extraction belong to other modules and still need a provider and consent.
+ */
+export function hasOptedOutOfAi(
+  modules: Partial<Record<ModuleKey, boolean>> | null | undefined,
+): boolean {
+  for (const key of AI_OPT_OUT_MODULES) {
+    if (modules?.[key] !== false) return false;
+  }
+  return true;
+}
+
 const COACH_KINDS: readonly AiConsentKind[] = ["ai_coach", "ai_full"];
 const INSIGHTS_KINDS: readonly AiConsentKind[] = [
   "ai_insights_only",
diff --git a/src/lib/onboarding/checklist.ts b/src/lib/onboarding/checklist.ts
index 3b5b24f02..cf1f3b4f1 100644
--- a/src/lib/onboarding/checklist.ts
+++ b/src/lib/onboarding/checklist.ts
@@ -83,11 +83,12 @@ export interface ChecklistInputs {
    */
   insightsConfigured: boolean;
   /**
-   * Whether AI can be set up from here at all (`ai.provider.canConfigure`):
-   * false while the operator has AI switched off and inside a record
-   * somebody else owns. The AI row exists only when true. HealthLog is
-   * complete without AI, so the list never carries a to-do nobody on this
-   * screen can finish.
+   * Whether AI can be set up from here at all (`ai.provider.canConfigure`)
+   * and is still wanted: false while the operator has AI switched off, inside
+   * a record somebody else owns, and once the person switched the Coach and
+   * AI analysis off. The AI row exists only when true. HealthLog is complete
+   * without AI, so the list never carries a to-do nobody on this screen can
+   * finish or that was declined.
    */
   aiConfigurable: boolean;
   /** Dismissed item ids (per-item localStorage state). */