> ## 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.

# Individual Custom Offers

> Manage special offer terms for specific consumers.

## Real-World Example

Jane has a special hardship situation, so ABC Collections creates a custom settlement offer just for Jane. The offer should be connected only to Jane's consumer account.

When another consumer logs in, they should not see Jane's custom offer. If Jane accepts it, the system should move her through the correct payment or settlement flow.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor creates custom offer for one consumer"] --> B["Offer is tied to that consumer"]
    B --> C["Target consumer logs in"]
    C --> D["Consumer sees custom offer"]
    B --> E["Different consumer logs in"]
    E --> F["Different consumer does not see custom offer"]
    classDef default fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef actor fill:#E0F2FE,stroke:#0284C7,stroke-width:2px,color:#0C4A6E;
    classDef system fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef decision fill:#FEF3C7,stroke:#D97706,stroke-width:2px,color:#78350F;
    classDef risk fill:#FEE2E2,stroke:#DC2626,stroke-width:2px,color:#7F1D1D;
    classDef outcome fill:#DCFCE7,stroke:#16A34A,stroke-width:2px,color:#14532D;
    class A actor;
    class B,C,D,E system;
    class F risk;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should allow custom terms for selected consumers when needed.
* Custom offers should apply only to the intended consumer account.
* The creditor should be able to review custom offer activity separately from standard pay terms.

## How It Should Not Work

* It should not accidentally apply one consumer's custom offer to another consumer.
* It should not override standard rules without clear intent.
* It should not keep inactive or expired custom offers available.

## Developer Notes

* Keep behavior scoped to the logged-in creditor company and allowed sub-accounts.
* When this page changes user-visible behavior, update the real-world example and visual flow.

## Related App Areas

* `routes/creditor/index.php`