Your Rating as a Client on Mapaprop

Why Are You Being Evaluated?

As a real estate professional using Mapaprop, your behavior within the platform is continuously evaluated. This evaluation has two fundamental purposes:

1. Evaluating Your Payment Behavior 💳

We are currently evaluating your financial behavior:

✅ How you comply with your payments
✅ Your debt history
✅ The age of unpaid invoices

This helps us (and helps you) to:

📊 Maintain a transparent business relationship
💰 Identify collection issues early
🎯 Make informed decisions about services and credit

2. Evaluating Your Professional Activity 📈 (Coming Soon)

Very soon we will also evaluate your performance as a real estate professional to help you build trust with your colleagues in the Mapaprop network.

Why evaluate your professional activity?

The goal is for you and other colleagues to have transparent information about:

📩 Message handling: Do you read and respond to your clients?
💼 Closed deals: Do you close business successfully?
👥 New clients: Are you actively attracting clients?
🏠 Property publication: Do you keep your portfolio up to date?
⚡ Response time: Do you respond quickly to inquiries?

Benefit for you:

✅ Greater trust from colleagues when sharing leads
✅ Better reputation in the professional network
✅ More collaboration opportunities
✅ Recognition of your professionalism

It's not meant to scare you, it's meant to show you as a trustworthy professional to your real estate community.

Your Final Rating

Both evaluations will be merged into a single rating that reflects your overall professionalism:

✅ Financial responsibility
✅ Professional activity and commitment
✅ Quality of real estate management

Current System: Payment Behavior Classification

Currently, the system evaluates your payment compliance using a hybrid system that mainly considers how many days you've had unpaid invoices, with additional factors that can aggravate your situation.

Your Payment Rating Levels

How Is Your Payment Behavior Classified?

If you have outstanding debt, the system automatically assigns you one of these 6 levels:

📋 Note on Naming:
Internally we use technical banking terminology (NORMAL, UNDER OBSERVATION, SUBSTANDARD, DOUBTFUL, LOSS, UNCOLLECTIBLE) for financial analysis and compliance with international standards.
In all communication to you (emails, panel, notifications), we use friendlier, clearer names that you'll see below. The goal is to maintain a professional and respectful relationship while managing the payment situation.

Level 1: Up to Date 🟢

Days Overdue: 0-3 days Your Situation: Excellent

What It Means:

Your invoice is only a few days overdue (0-3 days)
It's a very recent debt
Your payment history is very good

What We Expect From You: That you keep your payments up to date. There's no problem with this situation.

Level 2: Needs Attention 🟡

Days Overdue: 4-10 days Your Situation: Needs Follow-up

What It Means:

Your invoice is between 4 and 10 days overdue
It's time to settle it before it escalates
You may be going through temporary difficulties

What We Expect From You: That you settle your situation soon. You'll receive payment reminders.

Level 3: Late Payment 🟠

Days Overdue: 11-30 days Your Situation: Needs Settlement

What It Means:

Your debt is between 11 and 30 days overdue
The initial grace period has already passed
You're showing evident payment problems

What We Expect From You: That you contact us urgently to set up a payment plan. We might restrict some new services until you settle.

Level 4: Urgent Situation 🔴

Days Overdue: 31-60 days Your Situation: Critical

What It Means:

Your debt is between 31 and 60 days overdue
More than a month has passed without settling
It's essential that you act immediately

What We Expect From You: Immediate contact to settle. We will suspend new services and evaluate legal action if you don't act.

Level 5: Overdue Account 🔴🔴

Days Overdue: 61-90 days Your Situation: Very Serious

What It Means:

Your debt is between 61 and 90 days overdue
More than two months have passed without payment
Your account is under critical review

What Happens Now: Your services are suspended. We will start preventive legal action. Your only option is to settle immediately.

Level 6: Suspended Account ⚫

Days Overdue: 91+ days Your Situation: Total Suspension

What It Means:

Your debt is more than 91 days overdue (3+ months)
Your account has been suspended for prolonged non-payment
We are in the collection process

What Happens Now: All your services are suspended. We are in the judicial collection process. Your account will be canceled if you don't settle immediately.

⚠️ Factors That Can Aggravate Your Level

Important: Your level can automatically go up +1 if you meet any of these conditions:

Condition	Effect
You have 3 or more overdue invoices	+1 level
Your debt exceeds $50,000	+1 level

Example: If you have 15 days overdue (Level 3) but also have 5 overdue invoices, your level goes up to Level 4.

How Is Your Level Determined?

Your rating is determined automatically using a two-step system:

Step 1: Base Level by Days Overdue

The main factor is how many days you've had unpaid invoices:

Days Overdue	Base Level
0-3 days	Level 1 (Up to Date) 🟢
4-10 days	Level 2 (Needs Attention) 🟡
11-30 days	Level 3 (Late Payment) 🟠
31-60 days	Level 4 (Urgent Situation) 🔴
61-90 days	Level 5 (Overdue Account) 🔴🔴
91+ days	Level 6 (Suspended Account) ⚫

Step 2: Aggravating Factors Check

If you meet any of these conditions, your level automatically goes up +1:

⚠️ You have 3 or more overdue invoices
⚠️ Your total debt exceeds $50,000

Note: The maximum level is 6. If you're already at level 6, aggravating factors don't change it.

Example 1: No Aggravating Factors

Let's say:

Your oldest invoice is 15 days overdue
You have 1 unpaid invoice
You owe $8,000

Your Classification:

Step 1: 15 days → Level 3 (Late Payment)
Step 2: 1 invoice < 3, $8,000 < $50,000 → No aggravating factors
Result: Level 3 - Late Payment 🟠

Example 2: With Aggravating Factor

Let's say:

Your oldest invoice is 15 days overdue
You have 5 unpaid invoices
You owe $12,000

Your Classification:

Step 1: 15 days → Level 3 (Late Payment)
Step 2: 5 invoices ≥ 3 → +1 level (aggravating factor)
Result: Level 4 - Urgent Situation 🔴

What It Means: Even though you only have 15 days overdue, having many overdue invoices aggravates your situation.

When Is Your Rating Updated?

Every Sunday at 8:00 PM ⏰

The system automatically reviews your payment behavior every week:

Analysis: We review your debt status
Calculation: We calculate your score according to the formula
Classification: We assign you a level (1-6)
Notification: If your level changed significantly, we'll notify you by email

If You Have No Debt

If you don't owe anything, you have no negative rating:

Your level stays empty (no classification)
Your score is 0
You're perfectly in good standing ✅

Important: The rating is updated weekly, but you can improve it at any time by paying your invoices. You'll see the change reflected the following Sunday.

How Can You See Your Rating?

In Your Account Panel

You can see your rating directly at:

Settings → My Account → Summary (if you have pending invoices)
Settings → My Account → Blocked Account (if your account is suspended)

You'll see a card with your payment situation showing your current level and score.

By Email

If you have outstanding debt, you'll receive payment reminders on Tuesdays, Thursdays and Sundays including your rating.

What Does Your Level Mean in Practice?

Recoverability Levels

Your classification level isn't just a number, it reflects how likely it is that you can settle your situation:

Recoverable Situation ✅

Levels 1-4 (Up to Date, Needs Attention, Late Payment, Urgent Situation)

If you're at these levels:

💚 You can settle your situation with reasonable effort
📞 We respond well to your contacts and payment proposals
💳 We accept payment plans and facilities
✅ Stay in touch with us to resolve your debt

Critical Situation ❌

Levels 5-6 (Overdue Account, Suspended Account)

If you've reached these levels:

⚠️ It's urgent that you settle immediately
⚫ Your account is under critical review
⚖️ Legal action may be underway
🚫 Services suspended until full settlement

Important: The sooner you act, the more options you have to resolve your situation.

What Should You Do Based on Your Level?

If You're at Level 1-2: Stay in Control 🟢🟡

Your Action:

✅ Review your pending invoices and pay them soon
✅ Contact us if you need payment facilities
✅ Keep your future payments up to date

On Our End:

📧 We'll send you friendly reminders
💬 We're available to discuss payment options
🤝 We want to help you stay up to date

If You're at Level 3: Act Now 🟠

Your Urgent Action:

⚠️ Contact us NOW to set up a payment plan
⚠️ Prioritize settling your debt before it keeps growing
⚠️ Review your finances and set a payment commitment

On Our End:

📞 We'll contact you directly by phone
📋 We'll offer you a formal payment plan
⚠️ We might restrict some new services until you settle

If You're at Level 4: Critical Situation 🔴

Your IMMEDIATE Action:

🔴 Urgent contact with administration
🔴 Immediate settlement proposal
🔴 Avoid the situation escalating to legal action

On Our End:

🚫 We'll suspend new services until settlement
📞 Mandatory weekly follow-up of your debt
⚖️ We'll evaluate starting legal action if you don't act

If You're at Level 5-6: Imminent Legal Action ⚫

Your ONLY Option:

⚫ Total and IMMEDIATE settlement
⚫ Contact administration today
⚫ Avoid judicial process and definitive suspension

On Our End:

🚫 Total suspension of all services
⚖️ Start of judicial collection
📋 Evaluation of canceling your account

Frequently Asked Questions

Will I be notified when my level changes?

Currently you regularly receive reminders about your debt. That's where we communicate your situation to you.

Can I dispute my rating?

The system calculates automatically according to an objective mathematical formula. If you believe there's an error in your invoices or payments, contact us and we'll review your situation.

What happens if I pay my debt?

Once you pay all your invoices:

Your level returns to normal status (no negative classification)
You disappear from the debtors list
Your history is cleared automatically ✅

Is my previous payment history taken into account?

Currently the classification is based on your current debt (overdue invoices, amount, age). Past payment history does NOT affect your current level, only your present situation matters.

Why do I have a high level if I owe little?

Your level mainly depends on how many days you've had overdue invoices, but it can also go up if:

You have 3 or more overdue invoices (+1 level)
Your debt exceeds $50,000 (+1 level)

Example:

You: $5,000 in debt, 1 invoice, 25 days
Base level: 25 days → Level 3
Aggravating factors: 1 invoice < 3, $5,000 < $50,000 → No aggravating factor
Result: Level 3 (Late Payment) 🟠

Another client: $5,000 in debt, 5 invoices, 25 days
Base level: 25 days → Level 3
Aggravating factors: 5 invoices ≥ 3 → +1 level
Result: Level 4 (Urgent Situation) 🔴

Many overdue invoices can aggravate your situation, even if the total amount is low.

Where can I see my current rating?

In Settings → My Account → Summary. If you have debt, you'll see a card with your level and score.

Important

Transparency and Objectivity

This system is completely automatic and objective:

✅ It's based on real data from your account
✅ It uses a simple system based on days overdue
✅ There are no arbitrary or subjective decisions
✅ It's the same criteria for all clients

It's not personal, it's just a technical evaluation of your payment situation.

Privacy of Your Data

Your rating is confidential information:

Only you and the administration team can see it
It's not shared with other users
It doesn't affect your public reputation on the platform
It's used exclusively for internal collection management

System Updates

The calculation method may improve in the future:

📢 We'll notify you of any changes in advance
📋 Changes will be documented in this manual
✅ Always check the latest version of this document

Most Important: Act Early

The difference between levels 1-2 and levels 5-6 is huge:

✅ If you act soon → Payment facilities, good relationship
❌ If you let time pass → Legal action, service suspension

Contact us as soon as you see you're having trouble paying. It's always better to talk before letting the situation get worse.

🤝 Let's talk: We always prefer to talk before escalating
💳 Facilities: We can set up payment plans tailored to your situation
✅ Solutions: Together we'll find the best way to settle

Don't wait until you're at a critical level. Contact us today at facturacion@mapaprop.com.

If you want to know the details of Data Deletion, read Data Management and Deletion Rules