curl --request GET \
  --url https://api.example.com/api/v1/user/settings \
  --header 'Authorization: Bearer <token>'

{
  "notifications": {
    "mobile": {
      "mode": "mobile_only"
    },
    "email": {
      "enabled": false,
      "notification_email": "<string>"
    },
    "sms": {
      "enabled": false,
      "phone_number": "<string>"
    }
  },
  "git": {
    "default_worktree_mode": "new_worktree"
  },
  "code": {
    "mode": "agent",
    "default_provider": "<string>",
    "providers": {
      "claude_code": {
        "model": "haiku"
      },
      "codex": {
        "model": "gpt-5.1-codex-max",
        "thinking": "low"
      }
    }
  },
  "voice": {
    "language": "<string>"
  }
}