> ## 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.

# Offer Hierarchy & Delivery

> Defines how offers are selected, assigned, and delivered to consumer accounts.

## Purpose

Ensures every eligible account receives the correct Settlement Offer and Payment Plan Offer before delivery into the Consumer EcoPortal.

## Offer Hierarchy

### Level 1 – Individual Offers

Highest priority offer level.
Individual Offers may be created:

* During account upload
* From Consumer Profiles
* By creditor representatives

### Key Rule

Individual Offers override all other offer levels.

### Level 2 – Group Term Offers

Group offers are created after account onboarding.
Group criteria may include:

* Placement date range
* Account expiration date range
* Other account segmentation rules

### Key Rule

Group Term Offers override Sub-Account and Master offers when eligible.

### Level 3 – Sub-Account Pay Term Offers

Applied when an account contains a valid Sub-Account ID.

### Key Rule

Sub-Account Offers override Master Offers.

### Level 4 – Master Pay Term Offers

Default offer level.
Applied when no higher-level offer exists.

### Key Rule

Every account must have a Master Offer available as a fallback.

## Offer Delivery Workflow

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Account Imported"]
    A --> B["Validation Complete"]
    B --> C["Determine Offer Hierarchy"]
    C --> D["Assign Highest Eligible Offer"]
    D --> E["Append Settlement Offer"]
    E --> F["Append Payment Plan Offer"]
    F --> G["Deliver Account to Consumer EcoPortal"]
    G --> H["Evaluate Notification Eligibility"]

    H --> I{"Eligible for Notification?"}
    I -->|Yes| J["Send Notification"]
    I -->|No| K["Await Consumer Access"]

    J --> L["Consumer Engagement"]
    K --> L

    L --> M["Negotiations"]

    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,B,C,D,E,F,G,H,J,K,L process;
    class I decision;
    class M outcome;
```

## Offer Refresh Rules

Group and Individual Offers may replace existing offers only when:

* Account status is Delivered
* Account status is Viewed
* No negotiation activity exists
* No payment activity exists
* No dispute activity exists

## Key Rule

Active negotiations must never be modified by offer refresh processing.

## Offer Snapshot Rule

Once a consumer begins negotiating:

* Delivered offers are snapshotted
* Negotiations validate against the delivered offer snapshot
* Later offer changes must not alter active negotiations