expiring-points-redeem-cap

{
  "sql": "SELECT cust_id, first_name, last_name, email, phone, loyalty_tier, loyalty_points, tenure_start FROM customers WHERE lower(email) = 'harold.nyberg@example.com'"
}

{
  "rows": [
    {
      "cust_id": "CUST-loyalty-oldgrowth",
      "first_name": "Harold",
      "last_name": "Nyberg",
      "email": "harold.nyberg@example.com",
      "phone": null,
      "loyalty_tier": "OldGrowth",
      "loyalty_points": 7000,
      "tenure_start": "2008-06-01"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT entry_id, ts, delta_points, reason, expires_on, ref_policy_id FROM loyalty_ledger WHERE cust_id = 'CUST-loyalty-oldgrowth' ORDER BY ts"
}

{
  "rows": [
    {
      "entry_id": "LL-loyalty-oldgrowth-3",
      "ts": "2018-05-01",
      "delta_points": 1500,
      "reason": "LEGACY_EARN",
      "expires_on": null,
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-0",
      "ts": "2023-07-01",
      "delta_points": 5200,
      "reason": "PREMIUM_EARN",
      "expires_on": "2025-07-01",
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-1",
      "ts": "2024-03-15",
      "delta_points": 2100,
      "reason": "BUNDLE_BONUS",
      "expires_on": "2026-03-15",
      "ref_policy_id": null
    },
    {
      "entry_id": "LL-loyalty-oldgrowth-2",
      "ts": "2024-11-02",
      "delta_points": -1800,
      "reason": "REDEEM_DEDUCTIBLE_CREDIT",
      "expires_on": null,
      "ref_policy_id": null
    }
  ],
  "row_count": 4,
  "truncated": false
}

{
  "query": "loyalty points expiration extension adjustment authority"
}

{
  "results": [
    {
      "doc_id": "KB-LOYALTY-AUTHORITY",
      "title": "PineRewards points: what a service rep may post",
      "category": "POLICY",
      "applies_to": "{\"lines\": \"ALL\"}",
      "snippet": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten witho…"
    }
  ]
}

{
  "doc_id": "KB-LOYALTY-AUTHORITY"
}

{
  "doc_id": "KB-LOYALTY-AUTHORITY",
  "title": "PineRewards points: what a service rep may post",
  "category": "POLICY",
  "applies_to": "{\"lines\": \"ALL\"}",
  "body_md": "Tiers (Seedling → Sprout → Timber → OldGrowth) are assigned annually from\ntenure and lifetime earning, **not** the current point balance. Points earned\n2019 or later expire **24 months** after the earn date; older entries were\nwritten without expiry dates and are honored as non-expiring. A service rep\nmay post exactly three kinds of manual ledger entry:\n\n1. **Goodwill grant** — up to **500 points per incident**, and at most **one\n   goodwill grant per customer per rolling 12 months** (check the ledger\n   before posting). Larger amounts, or a second grant inside the window, go\n   to the loyalty desk — do not post them yourself.\n2. **Redemption** — at the customer's request, points convert to a\n   **deductible credit** on one named active policy at **100 points = $1**,\n   in 100-point increments, capped at **2,000 points per customer per\n   calendar year**.\n3. **Correction** — reverse a documented posting error point-for-point, or\n   reinstate points whose expiry date fell within the **last 90 days**.\n   Older expiries go to the loyalty desk.\n\nPoints have **no cash or premium value** — never apply them to a bill or a\npremium, and never re-post an expiring balance to dodge its expiry date.\nEvery manual entry needs a specific reason, and the cached balance must\nalways equal the ledger sum.\n"
}

{
  "sql": "SELECT p.policy_id, p.line, p.status, v.year, v.make, v.model FROM policies p JOIN policy_objects po ON po.policy_id = p.policy_id AND po.object_type='vehicle' JOIN vehicles v ON v.vehicle_id = po.object_id WHERE p.cust_id='CUST-loyalty-oldgrowth' AND p.line='AUTO'"
}

{
  "rows": [
    {
      "policy_id": "POL-loyalty-oldgrowth-p_auto",
      "line": "AUTO",
      "status": "ACTIVE",
      "year": 2023,
      "make": "Subaru",
      "model": "Outback"
    }
  ],
  "row_count": 1,
  "truncated": false
}

{
  "sql": "SELECT ts, delta_points, reason FROM loyalty_ledger WHERE cust_id='CUST-loyalty-oldgrowth' AND reason LIKE 'REDEEM%' AND ts >= '2025-01-01'"
}

{
  "rows": [],
  "row_count": 0,
  "truncated": false
}

{
  "cust_id": "CUST-loyalty-oldgrowth",
  "delta_points": -2000,
  "reason": "REDEEM_DEDUCTIBLE_CREDIT: 2000 pts = $20 deductible credit on POL-loyalty-oldgrowth-p_auto (customer request)",
  "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
}

{
  "ok": true,
  "changesets": [
    {
      "loyalty_ledger": {
        "added": [
          {
            "pk": {
              "entry_id": "LL-loyalty-oldgrowth-5"
            },
            "row": {
              "entry_id": "LL-loyalty-oldgrowth-5",
              "cust_id": "CUST-loyalty-oldgrowth",
              "ts": "2025-06-01",
              "delta_points": -2000,
              "reason": "REDEEM_DEDUCTIBLE_CREDIT: 2000 pts = $20 deductible credit on POL-loyalty-oldgrowth-p_auto (customer request)",
              "expires_on": null,
              "ref_policy_id": "POL-loyalty-oldgrowth-p_auto"
            }
          }
        ]
      }
    },
    {
      "customers": {
        "changed": [
          {
            "pk": {
              "cust_id": "CUST-loyalty-oldgrowth"
            },
            "fields": {
              "loyalty_points": [
                7000,
                5000
              ]
            }
          }
        ]
      }
    }
  ]
}

{}

{
  "ok": true,
  "note": "Deliver your closing message now."
}