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Real-World Example

ABC Collections sets a blue logo, and XYZ Collections sets a green logo. Jane has accounts with both creditors because the same PII matched accounts in both collections. If Jane has chosen her own portal colors in the consumer portal, her colors should display across the consumer portal. If she has not chosen her own colors, then an account-specific ABC page should show ABC’s branding, and an account-specific XYZ page should show XYZ’s branding. On global consumer pages that can show multiple creditors at once, such as My Accounts, the header should stay on the default YouNegotiate branding unless Jane has personal colors. ABC’s logo should never appear on XYZ’s account flow.

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Visual Flow

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How It Should Work

  • It should allow the creditor to manage logo and link settings for the master account or sub-account.
  • If the consumer has personal portal colors, those colors should display across the consumer portal.
  • If the consumer has no personal colors, account-specific pages should use the current account’s sub-account logo first, then the master creditor logo, then default branding.
  • Global consumer pages that can include multiple creditors should use default YouNegotiate branding unless the consumer has personal colors.
  • Links should take consumers to the intended destination.

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How It Should Not Work

  • It should not show ABC Collections branding while Jane is viewing XYZ Collections’ account flow.
  • It should not choose a random creditor logo on global multi-account pages.
  • It should not use a sub-account logo as the master creditor logo.
  • It should not publish broken or unsafe links.
  • It should not remove required YouNegotiate or creditor identity from the experience.

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Developer Notes

  • Creditor logo settings are scoped by company_id and optional subclient_id.
  • Consumer header branding should follow this priority: consumer personal colors, route {consumer} account branding, default YouNegotiate branding.
  • Master creditor logo lookup should only use records where subclient_id is empty.
  • When this page changes user-visible behavior, update the consumer personalization docs and visual flow.
  • routes/creditor/index.php
  • app/Livewire/Creditor/PersonalizedLogoPage.php
  • app/Livewire/Consumer/Logo.php
  • app/Services/PersonalizedLogoService.php
Last modified on May 25, 2026