diff --git a/src/renderer/inbox/components/settings/AiProviderSection.tsx b/src/renderer/inbox/components/settings/AiProviderSection.tsx
index 7e64160..db68e77 100644
--- a/src/renderer/inbox/components/settings/AiProviderSection.tsx
+++ b/src/renderer/inbox/components/settings/AiProviderSection.tsx
@@ -10,6 +10,8 @@ export function AiProviderSection(): React.ReactElement {
   const [error, setError] = useState<string | null>(null);
   const [saveResult, setSaveResult] = useState<string | null>(null);
   const [recheckResult, setRecheckResult] = useState<string | null>(null);
+  // v0.2.9 Cut B Task 15: AI 자동 처리 토글.
+  const [aiEnabled, setAiEnabledState] = useState<boolean | null>(null);
 
   useEffect(() => {
     void (async () => {
@@ -18,9 +20,16 @@ export function AiProviderSection(): React.ReactElement {
         setEndpoint(s.endpoint);
         setModel(s.model);
       }
+      const settings = await inboxApi.getSettings();
+      setAiEnabledState(settings.ai_enabled ?? true);
     })();
   }, []);
 
+  async function onToggleAi(checked: boolean): Promise<void> {
+    await inboxApi.setAiEnabled(checked);
+    setAiEnabledState(checked);
+  }
+
   async function onSave(): Promise<void> {
     const r = endpointSchema.safeParse(endpoint);
     if (!r.success) {
@@ -51,6 +60,25 @@ export function AiProviderSection(): React.ReactElement {
 
   return (
     <div>
+      {/* v0.2.9 Cut B Task 15 — AI 자동 처리 토글 (가장 위, 스위치 의미가 가장 큰 결정) */}
+      {aiEnabled !== null && (
+        <label style={{ display: 'flex', gap: 8, alignItems: 'center', marginBottom: 12, fontSize: 13 }}>
+          <input
+            type="checkbox"
+            checked={aiEnabled}
+            onChange={(e) => void onToggleAi(e.target.checked)}
+          />
+          AI 자동 처리 사용
+        </label>
+      )}
+      {aiEnabled === false && (
+        <p style={{ fontSize: 12, color: '#666', marginBottom: 12 }}>
+          원문만 저장 모드. 메모의 제목/요약/태그가 자동 생성되지 않습니다.<br />
+          <a href="https://ollama.com/download" target="_blank" rel="noopener noreferrer">
+            Ollama 설치 가이드
+          </a>
+        </p>
+      )}
       <label style={{ display: 'block', marginBottom: 8, fontSize: 12, color: '#666' }}>
         Endpoint
         <input
diff --git a/tests/unit/AiProviderSection.test.tsx b/tests/unit/AiProviderSection.test.tsx
index b6ed4d9..9b7dd22 100644
--- a/tests/unit/AiProviderSection.test.tsx
+++ b/tests/unit/AiProviderSection.test.tsx
@@ -1,13 +1,17 @@
 // @vitest-environment jsdom
 import { describe, it, expect, vi, beforeEach } from 'vitest';
 import '@testing-library/jest-dom/vitest';
-import { render, screen, fireEvent, cleanup } from '@testing-library/react';
+import { render, screen, fireEvent, cleanup, waitFor } from '@testing-library/react';
 
 vi.mock('../../src/renderer/inbox/api.js', () => ({
   inboxApi: {
     loadOllamaSettings: vi.fn(async () => ({ endpoint: 'http://localhost:11434', model: 'gemma2:2b' })),
     saveOllamaSettings: vi.fn(async () => ({ ok: true })),
-    ollamaRecheck: vi.fn(async () => ({ ok: true }))
+    ollamaRecheck: vi.fn(async () => ({ ok: true })),
+    getSettings: vi.fn(async () => ({ ai_enabled: true })),
+    setAiEnabled: vi.fn(async () => ({ ok: true })),
+    getDisabledCount: vi.fn(async () => 0),
+    enqueueDisabled: vi.fn(async () => ({ count: 0 }))
   }
 }));
 
@@ -41,4 +45,32 @@ describe('AiProviderSection', () => {
     fireEvent.click(screen.getByRole('button', { name: /지금 재확인/ }));
     expect(inboxApi.ollamaRecheck).toHaveBeenCalled();
   });
+
+  // v0.2.9 Cut B Task 15 — AI 자동 처리 토글 + OFF 안내문.
+  it('renders AI 자동 처리 toggle (default true)', async () => {
+    const { inboxApi } = await import('../../src/renderer/inbox/api.js');
+    vi.mocked(inboxApi.getSettings).mockResolvedValue({ ai_enabled: true } as never);
+    render(<AiProviderSection />);
+    const toggle = await screen.findByLabelText(/AI 자동 처리 사용/);
+    expect((toggle as HTMLInputElement).checked).toBe(true);
+  });
+
+  it('toggling calls setAiEnabled', async () => {
+    const { inboxApi } = await import('../../src/renderer/inbox/api.js');
+    vi.mocked(inboxApi.getSettings).mockResolvedValue({ ai_enabled: true } as never);
+    vi.mocked(inboxApi.setAiEnabled).mockResolvedValue({ ok: true } as never);
+    render(<AiProviderSection />);
+    const toggle = await screen.findByLabelText(/AI 자동 처리 사용/);
+    fireEvent.click(toggle);
+    await waitFor(() => expect(inboxApi.setAiEnabled).toHaveBeenCalledWith(false));
+  });
+
+  it('shows OFF state explanation when ai_enabled=false', async () => {
+    const { inboxApi } = await import('../../src/renderer/inbox/api.js');
+    vi.mocked(inboxApi.getSettings).mockResolvedValue({ ai_enabled: false } as never);
+    render(<AiProviderSection />);
+    await screen.findByLabelText(/AI 자동 처리 사용/);
+    expect(screen.getByText(/원문만 저장 모드/)).toBeInTheDocument();
+    expect(screen.getByRole('link', { name: /ollama\.com|설치/ })).toBeInTheDocument();
+  });
 });