diff --git a/changelog.md b/changelog.md
index 3f14102..6df2aab 100644
--- a/changelog.md
+++ b/changelog.md
@@ -21,6 +21,10 @@ and this project adheres to [Semantic Versioning](https://semver.org/spec/v2.0.0
 
 - Handler/action annotation security now shares `processInvalidAccess()` with route middleware. Behavior is unchanged.
 
+### Fixed
+
+- Settings you set on the `cbcsrf` module itself were silently overwritten by the `csrf` key of the cbsecurity settings, even when you never set that key, because cbsecurity copied its defaults over them. Now only the keys you explicitly set in `cbsecurity.csrf` are applied, and they win over the `cbcsrf` module settings. Every other key keeps the `cbcsrf` value. `cbsecurity.csrf` now shows the values that are in effect.
+
 ## [3.8.0] - 2026-09-21
 
 ### Changed
diff --git a/models/CBSecurity.cfc b/models/CBSecurity.cfc
index b8ed8ca..26ae053 100644
--- a/models/CBSecurity.cfc
+++ b/models/CBSecurity.cfc
@@ -157,6 +157,12 @@ component threadsafe singleton accessors="true" {
 	}
 
 	function onDIComplete(){
+		// What the user explicitly set in cbsecurity.csrf, captured before the defaults fill the gaps
+		var explicitCsrf = {};
+		if ( structKeyExists( variables.settings, "csrf" ) && isStruct( variables.settings.csrf ) ) {
+			explicitCsrf = duplicate( variables.settings.csrf );
+		}
+
 		// Default level-1 settings
 		variables.settings.append( variables.DEFAULT_SETTINGS, false );
 		// Default level-2 settings
@@ -197,14 +203,42 @@ component threadsafe singleton accessors="true" {
 			log.info( "+ Basic Auth Validator Detected -> User Service set to BasicAuthUserService" );
 		}
 
-		// cbcsrf settings incorporation
-		variables.moduleSettings.cbcsrf.settings.append( variables.settings.csrf, true );
+		// cbcsrf settings incorporation. Precedence, highest first:
+		// 1. Settings explicitly set in cbsecurity.csrf
+		// 2. Settings of the cbcsrf module (its own overrides or its defaults)
+		var cbcsrfSettings = variables.moduleSettings.cbcsrf.settings;
+		cbcsrfSettings.append(
+			resolveCsrfSettings( cbsecurityCsrf = explicitCsrf, cbcsrfSettings = cbcsrfSettings ),
+			true
+		);
+		// Make cbsecurity.csrf show the values that are really in effect
+		for ( var csrfKey in variables.DEFAULT_SETTINGS.csrf ) {
+			if ( structKeyExists( cbcsrfSettings, csrfKey ) ) {
+				variables.settings.csrf[ csrfKey ] = cbcsrfSettings[ csrfKey ];
+			}
+		}
 		// DBLogger Configuration
 		variables.dbLogger.configure();
 		// Log it
 		log.info( "√ CBSecurity Services started and configured." );
 	}
 
+	/**
+	 * Work out the settings for the cbcsrf module. The keys the user explicitly set in cbsecurity.csrf win, every
+	 * other key keeps the value the cbcsrf module already has, so its own overrides are never replaced by
+	 * cbsecurity defaults.
+	 *
+	 * @cbsecurityCsrf The keys the user explicitly set in cbsecurity.csrf
+	 * @cbcsrfSettings The current settings of the cbcsrf module
+	 *
+	 * @return The cbcsrf settings to use
+	 */
+	struct function resolveCsrfSettings( required struct cbsecurityCsrf, required struct cbcsrfSettings ){
+		var resolved = duplicate( arguments.cbcsrfSettings );
+		resolved.append( arguments.cbsecurityCsrf, true );
+		return resolved;
+	}
+
 	/**
 	 * Get the default rule settings structure
 	 */
diff --git a/test-harness/tests/specs/unit/CsrfSettingsSpec.cfc b/test-harness/tests/specs/unit/CsrfSettingsSpec.cfc
new file mode 100644
index 0000000..6ace689
--- /dev/null
+++ b/test-harness/tests/specs/unit/CsrfSettingsSpec.cfc
@@ -0,0 +1,80 @@
+/**
+ * Which settings win between the cbsecurity `csrf` key and the cbcsrf module settings
+ */
+component extends="coldbox.system.testing.BaseModelTest" model="cbsecurity.models.CBSecurity" {
+
+	function beforeAll(){
+		super.beforeAll();
+		// The defaults that both modules share
+		variables.defaults = {
+			enableAutoVerifier     : false,
+			verifyExcludes         : [],
+			rotationTimeout        : 30,
+			enableEndpoint         : false,
+			cacheStorage           : "CacheStorage@cbstorages",
+			enableAuthTokenRotator : true
+		};
+	}
+
+	function run(){
+		describe( "cbcsrf settings precedence", function(){
+			beforeEach( function(){
+				setup();
+			} );
+
+			it( "leaves the cbcsrf settings alone when cbsecurity.csrf sets nothing", function(){
+				var cbcsrf             = duplicate( defaults );
+				cbcsrf.rotationTimeout = 99;
+				cbcsrf.enableEndpoint  = true;
+
+				var resolved = model.resolveCsrfSettings( {}, cbcsrf );
+
+				expect( resolved.rotationTimeout ).toBe( 99 );
+				expect( resolved.enableEndpoint ).toBeTrue();
+			} );
+
+			it( "applies the keys the user set in cbsecurity.csrf over the defaults", function(){
+				var resolved = model.resolveCsrfSettings( { rotationTimeout : 77 }, duplicate( defaults ) );
+
+				expect( resolved.rotationTimeout ).toBe( 77 );
+				expect( resolved.enableEndpoint ).toBeFalse();
+			} );
+
+			it( "lets an explicit cbsecurity.csrf key win over a cbcsrf override", function(){
+				var cbcsrf             = duplicate( defaults );
+				cbcsrf.rotationTimeout = 99;
+
+				var resolved = model.resolveCsrfSettings( { rotationTimeout : 77 }, cbcsrf );
+
+				expect( resolved.rotationTimeout ).toBe( 77 );
+			} );
+
+			it( "keeps cbcsrf overrides for keys cbsecurity did not set", function(){
+				var cbcsrf             = duplicate( defaults );
+				cbcsrf.rotationTimeout = 99;
+				cbcsrf.enableEndpoint  = true;
+
+				var resolved = model.resolveCsrfSettings( { rotationTimeout : 77 }, cbcsrf );
+
+				expect( resolved.rotationTimeout ).toBe( 77 );
+				expect( resolved.enableEndpoint ).toBeTrue();
+			} );
+
+			it( "applies complex values from cbsecurity.csrf", function(){
+				var cbcsrf            = duplicate( defaults );
+				cbcsrf.verifyExcludes = [ "stripe" ];
+
+				var resolved = model.resolveCsrfSettings( { verifyExcludes : [ "other" ] }, cbcsrf );
+
+				expect( resolved.verifyExcludes ).toBe( [ "other" ] );
+			} );
+
+			it( "does not change the settings it is given", function(){
+				var cbcsrf = duplicate( defaults );
+				model.resolveCsrfSettings( { rotationTimeout : 77 }, cbcsrf );
+				expect( cbcsrf.rotationTimeout ).toBe( 30 );
+			} );
+		} );
+	}
+
+}