> ## 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.

# Special Flows

> Special creditor workflows for dynamic offer reassignment, negotiation protection, and offer snapshots.

## Dynamic Pay-Term Offer Reassignment

### Purpose

Defines how the platform dynamically applies new pay-term offers after an account has already been delivered to a consumer.
This workflow allows creditors to create new Individual Offers or Group Term Offers that may replace previously delivered offers when the account remains eligible for offer refresh.

### Overview

When an account is initially delivered, the platform assigns offers using the standard offer hierarchy.
After delivery, creditors may create:

* Individual Offers
* Group Term Offers
  The platform may dynamically re-evaluate and replace previously delivered offers if the account has not entered an active negotiation lifecycle.

### Initial Offer Assignment Hierarchy

The platform always assigns offers using the following priority order:

1. Individual Offer
2. Group Term Offer
3. Sub-Account Pay Term Offer
4. Master Pay Term Offer

**Initial Delivery**
When a new account is imported:
If an Individual Offer exists on the imported account:
→ Deliver Individual Offer
If no Individual Offer exists:
→ Check for eligible Group Term Offer
If none exists:
→ Check for Sub-Account Pay Term Offer
If none exists:
→ Apply Master Pay Term Offer

### Dynamic Re-Evaluation Trigger

Offer reassignment may occur when:

* A new Individual Offer is created
* A new Group Term Offer is created
* A consumer restarts negotiations after a closed dispute
* A consumer restarts negotiations after a no-pay response
* A consumer re-engages after a previously closed negotiation

### Eligibility Rules

The platform may replace an existing delivered offer only when the account is:
Delivered
Viewed
And:

* No active negotiation exists
* No accepted offer exists
* No payment activity exists
* No dispute activity exists
* No active no-pay response exists

### Re-Evaluation Logic

When an eligible account is evaluated, the platform reassesses the hierarchy:

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Account Imported"]
    A --> B{"Individual Offer Exists?"}

    B -->|Yes| C["Apply Individual Offer"]
    B -->|No| D{"Group Term Offer Exists?"}

    D -->|Yes| E["Apply Group Term Offer"]
    D -->|No| F{"Sub-Account Pay Term Offer Exists?"}

    F -->|Yes| G["Apply Sub-Account Pay Term Offer"]
    F -->|No| H["Apply Master Pay Term Offer"]

    classDef process fill:#F8FAFC,stroke:#64748B,stroke-width:1.5px,color:#0F172A;
    classDef decision fill:#FEF3C7,stroke:#D97706,stroke-width:2px,color:#78350F;
    classDef outcome fill:#DCFCE7,stroke:#16A34A,stroke-width:2px,color:#14532D;

    class A process;
    class B,D,F decision;
    class C,E,G,H outcome;
```

The highest eligible offer becomes the new active offer.

## Example

### Original Delivery

Account uploaded.
No Individual Offer exists.
No Group Offer exists.
Account contains Sub-Account ID.
Result:
Sub-Account Pay Term Offer Delivered

### Later

Creditor creates a Group Term Offer for accounts placed between:
01/01/2026 - 03/31/2026
The account qualifies.
No negotiations exist.
Result:
Group Term Offer replaces Sub-Account Offer

## Negotiation Protection Rule

Once a consumer begins negotiation activity, the delivered offer becomes locked.
Negotiation activity includes:

* Offer acceptance
* Counteroffer
* Dispute
* No-Pay Response
* Payment activity
* Active negotiation thread

### Key Rule

Active negotiations must never be modified by dynamic offer reassignment.

## Offer Snapshot Rule

When negotiation activity begins:

* The delivered offer is snapshotted
* Validation uses the offer snapshot
* Later pay-term changes do not affect the negotiation
  The negotiation always references the offer that was delivered when the negotiation began.

## Result

Dynamic Pay-Term Offer Reassignment ensures:

* New Individual Offers can override existing offers
* New Group Offers can override Sub-Account and Master offers
* Consumers always receive the highest eligible offer
* Active negotiations remain protected
* Offer history remains auditable
* Negotiation validation remains consistent

## Related Sections

* 4.2 Offer & Notification Delivery
* 4.3 Negotiations
* Individual Offers
* Group Term Offers
* Consumer Profiles
* Open Negotiations
* Notice Responses