> ## Documentation Index
> Fetch the complete documentation index at: https://developers.vivara.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Glossary

> The terms used across the Vivara docs.

**Accredited**: The highest confidence tier. Every value behind the score is backed by a document. See [Confidence tiers](https://developers.vivara.io/tenant-scoring/confidence-tiers.md).

**Basic**: The lowest confidence tier. Only the candidate's declared income is known, so only solvency is calculated.

**Candidate**: A person interested in renting one of your listings. A candidate becomes the tenant once you choose them.

**Case**: Everything you do to insure one rental. You create it by choosing its id, a UUID v4, when you open it. See [Key concepts](https://developers.vivara.io/key-concepts.md#case).

**Confidence tier**: How much of the data behind a score is backed by documents: Basic, Declared or Accredited.

**Declared**: The middle confidence tier. The candidate's income and ID number are known, as stated by the candidate.

**Delinquency**: One of the two results of the tenant score. It tells you whether a person appears in a delinquency register. It needs the ID number and postal code.

**Effort rate**: The share of monthly income that goes to paying the rent. Solvency is based on it.

**Guarantor**: A person who backs the tenant's obligations under the rental contract. The insurer assesses guarantors like tenants.

**Insurer**: The insurance company that quotes, reviews and issues non-payment insurance policies.

**KO**: A negative solvency or delinquency result.

**Non-payment insurance**: A policy that protects the landlord if the tenant stops paying the rent. It is taken out for the landlord's property.

**OK**: A positive solvency or delinquency result.

**OK at the limit**: A solvency result. The candidate is solvent, but the effort rate is close to the limit.

**Pending documentation**: A case status. The offer is priced and the documents in `documentation.missing` have not been uploaded yet.

**Policy issued**: A final case status (`policy-issued`). The policy is in force.

**Policy number**: The reference of an issued policy, available once its status is `policy-issued`.

**Policy requested**: A case status. The issuance has been requested and the insurer is finishing it. The case cannot be changed or cancelled.

**Policyholder**: The person who takes out the policy. For non-payment insurance, the landlord.

**Quote**: The price the insurer offers for a policy, returned as the case together with the documents the insurer requires.

**Ready to issue**: A case status. Every required document is uploaded, so you can issue the policy.

**Rejected**: A final case status. The insurer will not cover the contract.

**Solvency**: One of the two results of the tenant score. It tells you whether the candidate's income can cover the rent, based on the effort rate.

**Tenant**: The candidate you chose for the rental. The case includes every tenant and guarantor on the rental contract.

**Tenant score**: The result of tenant scoring: a solvency result, a delinquency result and a confidence tier.

**Work history report**: The *vida laboral*, an official record of a person's employment history issued by the Social Security.


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