> ## Documentation Index > Fetch the complete documentation index at: https://docs.younegotiate.com/llms.txt > Use this file to discover all available pages before exploring further. # Update account settings > Update the authenticated verified creditor account settings, including optional profile picture upload, and return cached effective personalized-logo metadata for authenticated creditor profile/header branding. ## OpenAPI ````yaml /api/creditor.openapi.yaml put /account-settings openapi: 3.1.0 info: title: YouNegotiate Creditor API version: '2.0' description: >- Stateless API endpoints for creditor portal authentication and account access. servers: - url: https://api.creditor.younegotiate.com description: Production security: [] tags: - name: System description: Public creditor domain system and health endpoints. - name: Authentication description: Creditor registration, login, password, and email verification endpoints. - name: Account Settings description: >- Authenticated creditor profile, contact, operating-hours, and profile-image endpoints. - name: Account Profile description: >- Creditor onboarding profile, membership, billing, and setup status endpoints. - name: Setup Wizard description: >- Creditor setup wizard status, required-step completion, and optional-step completion. - name: Dashboard description: Creditor dashboard work queues and performance widgets. - name: Import / Export description: >- Creditor consumer import upload sessions, queued imports, history, downloads, and failed-row files. - name: Membership Settings description: >- Creditor membership dashboard, plan changes, payment method, cancellation, special-plan inquiry, and over-limit retry endpoints. - name: Merchant Account description: >- Existing merchant processor credentials, Tilled onboarding, and merchant application endpoints. - name: Header Profiles description: >- CSV header profile upload, mapping, download, and setup wizard completion endpoints. - name: SFTP Connections description: >- Creditor-managed SFTP connection profiles for imports, exports, and setup wizard completion. - name: Sub Accounts description: >- Creditor-managed sub account list, export, create, update, and delete endpoints. - name: Pay Terms Offers description: >- Creditor-managed master, sub-account, group, and group-sub-account Pay Terms endpoints. - name: Individual Custom Offers description: Creditor individual custom offer list endpoints. - name: Negotiations description: >- Creditor negotiation work queues, including notice responses and offer review counts. - name: Communications / CFPB Validation Letter description: >- CFPB Validation Letter tables, secure EcoLetter send/resend, CSV export, and print/download actions. - name: Communications / EcoLetter Template description: >- Creditor EcoLetter template management for secure eLetter communications and campaigns. - name: Communications / Groups description: >- Creditor communication group management for dynamic consumer targeting and campaign selection. - name: Communications / Schedule Campaign description: >- Creditor EcoLetter campaign scheduling, quote, immediate send, and delivery queue endpoints. - name: Communications / Campaign Tracker description: >- Creditor campaign tracker reporting, refresh, and consumer export endpoints. - name: Consumer Profiles description: Creditor Consumer Profiles list, filter options, and CSV export endpoints. - name: Terms & Conditions description: Creditor-managed master and sub-account Terms & Conditions templates. - name: About Us & Contact description: Creditor-managed company About Us content shown to consumers. - name: Logo & Links description: >- Creditor-managed master and sub-account personalized logo colors, size, and consumer link metadata. - name: Users description: >- Master creditor user management, invitations, and account deletion endpoints. paths: /account-settings: put: tags: - Account Settings summary: Update account settings description: >- Update the authenticated verified creditor account settings, including optional profile picture upload, and return cached effective personalized-logo metadata for authenticated creditor profile/header branding. operationId: creditorUpdateAccountSettings requestBody: required: true content: multipart/form-data: schema: $ref: '#/components/schemas/UpdateAccountSettingsRequest' example: contact_name: Jane Admin email: jane.admin@example.com company_phone: '2125550100' business_category: collection_agency debt_type: consumer timezone: EST from_time: 9:00 AM to_time: 5:00 PM from_day: 1 to_day: 5 responses: '200': description: Account settings updated. content: application/json: schema: $ref: '#/components/schemas/AccountSettingsUpdateResponse' '401': $ref: '#/components/responses/Unauthenticated' '403': $ref: '#/components/responses/ActiveMembershipRequired' '422': $ref: '#/components/responses/ValidationError' security: - bearerAuth: [] components: schemas: UpdateAccountSettingsRequest: type: object required: - contact_name - email - company_phone - business_category - debt_type - timezone - from_time - to_time - from_day - to_day properties: contact_name: type: string maxLength: 255 email: type: string format: email maxLength: 255 description: Must be unique among creditor users except the authenticated user. company_phone: type: string description: US phone number. business_category: type: string debt_type: type: string timezone: type: string maxLength: 5 from_time: type: string pattern: ^\d{1,2}:\d{2} (AM|PM)$ example: 9:00 AM to_time: type: string pattern: ^\d{1,2}:\d{2} (AM|PM)$ example: 5:00 PM from_day: type: integer minimum: 0 maximum: 6 to_day: type: integer minimum: 0 maximum: 6 image: type: string format: binary description: Optional JPEG, PNG, or JPG image up to 2 MB. AccountSettingsUpdateResponse: type: object required: - message - data - meta properties: message: type: string example: Account profile updated successfully! data: $ref: '#/components/schemas/AccountSettings' meta: type: object required: - options properties: options: $ref: '#/components/schemas/CompanyProfileOptions' AccountSettings: type: object additionalProperties: true properties: id: type: integer contact_name: type: string email: type: string format: email email_verified_at: type: string format: date-time nullable: true image: type: string format: uri nullable: true description: Thumbnail URL for the creditor profile image. company: $ref: '#/components/schemas/AccountSettingsCompany' personalized_logo: $ref: '#/components/schemas/AccountSettingsPersonalizedLogo' description: >- Cached effective personalized-logo metadata for authenticated creditor profile/header branding. Clients should use this payload for header branding instead of calling Logo & Links settings during layout rendering. created_at: type: string format: date-time nullable: true updated_at: type: string format: date-time nullable: true CompanyProfileOptions: type: object additionalProperties: true properties: business_categories: type: array items: $ref: '#/components/schemas/Option' debt_types: type: array items: $ref: '#/components/schemas/Option' timezones: type: array items: $ref: '#/components/schemas/Option' days: type: array items: $ref: '#/components/schemas/Option' MessageResponse: type: object required: - message properties: message: type: string ValidationErrorResponse: type: object required: - message - errors properties: message: type: string errors: type: object additionalProperties: type: array items: type: string AccountSettingsCompany: type: object additionalProperties: true properties: id: type: integer company_name: type: string dba_name: type: string nullable: true company_phone: type: string business_category: type: string business_category_label: type: string nullable: true debt_type: type: string fed_tax_id: type: string is_verified_tin: type: boolean timezone: type: string from_time: type: string example: 9:00 AM to_time: type: string example: 5:00 PM from_day: type: integer minimum: 0 maximum: 6 to_day: type: integer minimum: 0 maximum: 6 url: type: string format: uri nullable: true address: type: string nullable: true address2: type: string nullable: true city: type: string nullable: true state: type: string nullable: true zip: type: string nullable: true portal_badge: type: string nullable: true AccountSettingsPersonalizedLogo: type: object required: - effective_logo - links properties: effective_logo: $ref: '#/components/schemas/PersonalizedLogoEffective' links: $ref: '#/components/schemas/PersonalizedLogoLinks' Option: type: object additionalProperties: true properties: value: oneOf: - type: string - type: integer label: type: string PersonalizedLogoEffective: type: object required: - source - primary_color - secondary_color - size properties: id: type: integer nullable: true source: type: string enum: - subclient - master - default primary_color: type: string secondary_color: type: string size: type: integer PersonalizedLogoLinks: type: object required: - consumer_url - qr_code_url - embed properties: consumer_url: type: string format: uri qr_code_url: type: string format: uri embed: $ref: '#/components/schemas/PersonalizedLogoEmbed' PersonalizedLogoEmbed: type: object required: - href - primary_color - secondary_color - size properties: href: type: string format: uri primary_color: type: string secondary_color: type: string size: type: integer responses: Unauthenticated: description: Missing or invalid bearer token. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' ActiveMembershipRequired: description: Authenticated creditor does not have an active membership. content: application/json: schema: $ref: '#/components/schemas/MessageResponse' example: message: An active membership is required. ValidationError: description: Request validation failed. content: application/json: schema: $ref: '#/components/schemas/ValidationErrorResponse' securitySchemes: bearerAuth: type: http scheme: bearer bearerFormat: Sanctum token ````