> ## 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.

# Terms & Conditions

> Manage the legal or business terms shown to consumers.

## Real-World Example

Jane accepts a payment plan from ABC Collections. Before the plan is finalized, Jane should see the current Terms & Conditions for ABC Collections.

If ABC Collections updates its terms later, new consumer flows should use the updated terms. The system should not show Jane terms from another creditor.

## Visual Flow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Creditor updates terms"] --> B["Consumer starts payment or negotiation flow"]
    B --> C["System loads creditor-specific terms"]
    C --> D["Consumer reviews terms"]
    D --> E["Consumer accepts and continues"]
    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 system;
    class E outcome;
    linkStyle default stroke:#94A3B8,stroke-width:2px;
```

## How It Should Work

* It should let the creditor create or update the terms consumers need to accept or review.
* The correct terms should appear in consumer-facing flows.
* Terms should remain connected to the correct creditor account.

## How It Should Not Work

* It should not show another creditor's terms to consumers.
* It should not remove required terms from consumer payment or negotiation flows.
* It should not publish unintended draft text.

## 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`