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KaireonAI’s qualification-rule framework supports Pega CDH’s 4-stage Engagement Policy model: 
Eligibility  →  Applicability  →  Suitability  →  Arbitration
  1. Eligibility — hard legal / regulatory gates. Violations create compliance liability. Examples: KYC passed, consent on file, not on DNC list, jurisdiction allowed, legal age.
  2. Applicability — product-fit rules. Could this offer logically be consumed? Examples: product not already owned, in target segment, market window is open, recency gap satisfied.
  3. Suitability — customer-fit rules. Is the offer a good match for this customer right now? Examples: affordability / debt-to-income, risk tolerance, financial literacy, propensity threshold.
  4. Arbitration — the ranking step. Not a filter; handled by the arbitration engine (see Multi-objective arbitration).

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How rules are classified

Every QualificationRule carries an optional stage field. The stages endpoint + classifier respect an explicit value when set, then fall back to heuristics on ruleType and rule name / description. Exact priority: 
explicit rule.stage  →  RULE_TYPE_HINTS (13 standard rule types)  →
name / description keyword regex  →  default "applicability"
This is a metadata classifier — no Prisma migration is required. Legacy rules that don’t specify a stage are routed to the right bucket automatically.

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Querying by stage

Filter the qualification-rules list endpoint: 
curl "https://your-host/api/v1/qualification-rules?stage=eligibility" \
  -H "X-Api-Key: $KAIREON_API_KEY"
Every returned row also carries a derived engagementPolicyStage field so UI layers don’t need to re-run the classifier client-side: 
{
  "data": [
    {
      "id": "rule_kyc",
      "name": "KYC completed",
      "ruleType": "kyc_pass",
      "stage": "eligibility",
      "engagementPolicyStage": "eligibility",
      "priority": 100,
      "config": { "maxAgeDays": 365 }
    }
  ]
}
Valid stage values: "eligibility", "applicability", "suitability". Any other filter value returns 400.

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Seeded by accelerator packs

The Banking / Telco / Retail Industry Accelerators each seed 20 rules spanning all three stages — useful as a reference set when designing your own policy taxonomy. See also: Qualification Rules API | Industry Accelerators