> ## 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.

# Consumer Notifications

> Rules for deciding when consumer notifications may be sent after account and offer delivery.

## Purpose

Determine whether a consumer should receive a notification after account delivery.

## Communication Decision Logic

If a Communication Profile exists:
Use:

* Email Preferences
* SMS Preferences
* Communication Settings
* Consent Settings
  If no Communication Profile exists:

Use imported account contact information:

* Email Address
* Mobile Phone Number

Before sending, the platform validates:

* Email opt-out status
* SMS opt-out status

## Notification Eligibility

Eligible consumers may receive:

* New Account Notification
* Portal Access Notification
  Opted-out communication methods are suppressed.

## Key Rule

Communication eligibility is enforced at the consumer PII level.
Consumer communication preferences and opt-out settings always override creditor-provided contact information.

## Final Key Concept

```mermaid placement="top-right" actions={true} theme={"system"}
flowchart TD
    A["Account Delivery"]
    A --> B["Consumer Notification Evaluation"]
    B --> C["Consumer Engagement"]
    C --> D["Negotiations"]

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

    class A,B,C process;
    class D outcome;
```

Account delivery always occurs after successful processing.
Consumer notifications are sent only when communication preferences, consent settings, and opt-out rules allow delivery.