Compliance ledger
Collections work is defensible only if the whole chain is recorded: which signal was used, who unlocked what, what the model produced, what a person changed, what actually went out, what was stopped, and what money came back.
Nothing matches this view yet. Score a reachability, approve a notice or settle a ticket and it appears here.
What each event type means
- Signal used0 in this view
- Gate unlocked0 in this view
- Hold applied0 in this view
- Hold released0 in this view
- Model output0 in this view
- Draft approved0 in this view
- Draft edited0 in this view
- Draft rejected0 in this view
- Message sent0 in this view
- Send blocked0 in this view
- Retention purge0 in this view
- Dispute opened0 in this view
- Payment received0 in this view
- Capture confirmed0 in this view
- Capture corrected0 in this view
Conduct rules enforced on every send
SEC Memorandum Circular 18, series of 2019 binds lending and financing companies, not a traffic fine operator. It is still the clearest written fair collection standard in the country, so Netra applies it voluntarily and blocks the send when a rule fails.
Contact only between 08:00 and 20:00
No calls or messages outside daytime hours in Philippine local time.
SEC MC 18-2019, unreasonable or inconvenient hours
Never contact a third party about the debt
A relative, employer or neighbour is not a collection channel. Their details are also personal data they never gave the operator.
SEC MC 18-2019, contacting persons other than the debtor
Never disclose the liability publicly
No public posts, comments or replies on a public profile. Private channels only.
SEC MC 18-2019, publication of names of debtors
At most three attempts in any seven days
Repeated contact within a week is harassment, not collection.
SEC MC 18-2019, harassment and repeated contact
Do not chase an unverified keeper
A held ticket means the operator is not yet sure who the keeper is. Verify before any notice goes out.
RA 10173 accuracy principle
Every channel used needs a resolved lawful basis
Open web signals stay locked until a legal reviewer records a necessity and proportionality assessment for the case.
RA 10173 section 12, NPC Advisory No. 2026-01
Framing based on RA 10173 and published National Privacy Commission guidance. Informational, not legal advice.