@bytebrand/export-cars 1.26.32 → 1.26.34

package/docs/openai-ads/AUDIT.md

@@ -147,7 +147,7 @@ Null policy "EXCLUDE" = row not written + counted in the run report under the re
 Delta (deferred, only with API access): `products[].id = item_id`, price `{"amount": round(currentSalesPrice*100), "currency":"EUR"}`.
 
 Filters before mapping (all reasons counted in the run report):
-`imagesCount > 0` (existing `filterCar`), price valid, optional price cap (Q9), dealer `active && !blacklist` via `CarService.getOwner` (cached per dealer, failure → EXCLUDE `dealer_unknown`), title/brand/image present.
+`imagesCount > 0` (existing `filterCar`), price valid, €80k price cap (same as Google/Meta, Q9 closed 14.10; `price_cap`), dealer `active && !blacklist` via `CarService.getOwner` (cached per dealer, failure → EXCLUDE `dealer_unknown`), title/brand/image present.
 
 ---
 
@@ -177,11 +177,12 @@ Filters before mapping (all reasons counted in the run report):
 | Q6 | Description: reuse dealer summary templates (same as Google) — do they contain finance claims? Or plain generated German text only? | PM/Legal | description |
 | Q7 | `ads_metadata` keys configured in Ads Manager (if any) | Marketing | optional |
 | Q8 | `product_category` wanted? | Marketing | optional |
-| Q9 | Apply the 80k price cap of Google/Meta? | Marketing | filter |
+| Q9 | Apply the 80k price cap of Google/Meta? — **closed 14.10: yes**, same cap and resolver (1.26.34) | Marketing | done |
 | Q10 | Import method available in the account: hosted URL (needs fetch IP/auth info) or SFTP (credentials into secret store); API access (delta, upload status)? | Marketing | transport |
 | Q11 | OAI-AdsBot / OAI-SearchBot reachability of `www.auto.de` VDP and `images.auto.de` behind Cloudflare (js_challenge rules from ADV-193). Test only, no CF change without approval. | Eng + approval | go-live |
 | Q12 | Image: ADV-336 clean profile is used (no overlay). Approval of plain photos + `ext_lr_main` question open in ADV-336 | ADV-336 | image_url |
 | Q13 | Is a "Stable" vs "Draft" schema selector visible in your docs/account? The public page shows none on 09.10. | Marketing | — |
+| Q15 | Finance claims: closed 13.10 — no finance wording in the feed (`finance_claim` rule, RUNBOOK). Same dealer titles in Google/Meta feeds and on the CDP: separate ticket candidate. | — | done (1.26.33) |
 | Q14 | Make mapping at import (out of feed scope): DEV car titled "Jeep SWM G01a" — model SONSTIGE, variant names SWM (a different manufacturer), so the feed sends `brand=Jeep` for a non-Jeep car. Fix belongs to the import make/model mapping (sheet / CBD), not to the exporter. | Import owner | brand correctness |
 
 ---
@@ -221,7 +222,7 @@ retention 15 days; reinstatement keeps the id), run report, `RUNBOOK.md`, 23 tes
 Open questions decided in code for now (each reversible by a param or a one-line change):
 Q3 `seller_name` = `auto.de` (param); Q4 reserved/sold flag → out_of_stock, and never advertised when not sent before;
 Q5 unknown condition → `used` only with a past first registration; Q6 description from structured data only;
-Q9 no price cap unless `maxCurrentSalesPrice` is set; Q7/Q8 `ads_metadata` / `product_category` not sent.
+Q9 (closed 14.10) €80k cap as Google/Meta; Q7/Q8 `ads_metadata` / `product_category` not sent.
 
 Found while running the compiled job (`node dist/main.js` with a stdin job): **export-cars reports every failed
 run as success.** nest-commander's default `serviceErrorHandler` only prints the error, and `main.ts` then
@@ -230,7 +231,7 @@ fails the job itself (`exitError` + exit 1). The global fix is a separate task.
 
 Not done (next steps / human):
 - transport: hosted URL or SFTP, after Q10;
-- Cronicle event: DEV dry-run first;
+- Cronicle event: DEV event `emv4ycd4g2y` exists (dry-run, manual runs; no schedule / failure e-mail on DEV by decision, closed 12.10); PROD event not created;
 - a real DEV/PROD dry-run plus the 20-car reconciliation;
 - delta PATCH: deferred, needs API access;
 - crawler access, per ADV-336: robots.txt has `Disallow: /search/` for OAI-AdsBot, plus the Cloudflare rules and the SPA shell without SSR on `/search*`.

package/docs/openai-ads/RUNBOOK.md

@@ -34,10 +34,15 @@ State dir: `ledger.json` (items sent in_stock, for out_of_stock), `last-good.jso
 No transport is implemented yet. Nothing leaves the server until a hosted-URL location or an SFTP upload is set
 up for the **live** output only (separate, approved step).
 
-## Cronicle event (to be created by an admin — not done)
+## Cronicle event
 
-- Plugin "Export cars", chained after "1.0 Base export" (same as the Google/Meta exports), daily.
+**DEV (exists, closed 12.10):** event `openai_ads` = `emv4ycd4g2y`, dry-run with the default params, manual runs
+only. By user decision it has no schedule and no failure e-mail — nothing to configure on DEV.
+
+**PROD (not created):** to be set up by an admin once the go-live gate is passed:
+- Plugin "Export cars", run daily after "1.0 Base export" (own timing about 1 h after it, or chained).
   Items expire at OpenAI after 2 weeks without refresh — never rely on manual uploads.
+- Failure notification (e-mail) on — a blocked run is the only signal that the feed is not refreshed.
 - Concurrency 1 (the job also takes `run.lock`).
 - Params (all text; unset = default):
 
@@ -48,7 +53,7 @@ up for the **live** output only (separate, approved step).
 | `openAiAdsSellerName` | `auto.de` | `seller_name` (open question Q3) |
 | `openAiAdsRetentionDays` | 15 | days an item stays as out_of_stock after it was last in stock |
 | `openAiAdsImageConcurrency` | 16 | parallel image HEAD checks against images.auto.de |
-| `maxCurrentSalesPrice` | none | optional price cap (no 80k default here, Q9) |
+| `maxCurrentSalesPrice` | 80000 | €80k selling-price cap, same as Google/Meta (decision 14.10); a valid positive value overrides, empty/invalid = 80000 |
 | `feedGuardMinSourceItems` | 1000 | DEV: set ~50 |
 | `feedGuardMinPublishedItems` | 500 | DEV: set ~20 |
 | `feedGuardMaxDropPercent` | 20 | vs the last good run |
@@ -89,6 +94,34 @@ running after a failure as before.
 Only `openai_ads` is protected: the feed guard keeps the last good file, and the job exits with code 1
 (`exitError` + exit 1 in `openai-ads.exporter.ts`). It has no chain, so this stops nothing else.
 
+## €80k price cap (`price_cap`, since 1.26.34)
+
+Decision 14.10: the OpenAI feed uses the same selling-price cap as Google/Meta. `OpenAiAdsConfig` resolves
+`maxCurrentSalesPrice` with the shared `resolveMaxFeedSalesPrice` (default `MAX_FEED_SALES_PRICE_EUR` = 80,000), and the
+shared gate `CarService.filterCar` applies it: price must be finite, > 0 and ≤ cap (80,000.00 included, 80,000.01 not).
+Cars above the cap are counted as `excluded.price_cap`. A car that was advertised and then crosses the cap stays in the
+file as out_of_stock (same id, last advertised data) via the ledger — it does not just disappear.
+⚠️ DEV google/fb/facebookshop events have carried a 20000 value in the past; check the param of any new event.
+
+## No finance claims (`finance_claim`, since 1.26.33)
+
+OpenAI's ad policy lists "Auto loans and leasing" outside the US as "Restricted to Select Approved Advertisers"
+(category table in help.openai.com/en/articles/20001534-troubleshooting-common-onboarding-and-policy-issues;
+openai.com/policies/ad-policies). The ADV-335/336 launch gate (13.10) therefore allows no finance wording in the feed.
+
+- Source: only the dealer variant text (`mainData.subModel`), e.g. "GLB 200 4,49%Finz./Progressive",
+  "Tourneo Custom L1 0% Zins". The description is generated from structured fields and only repeats the title.
+- `transformers/openai-ads-finance.ts`: before the title is normalised, rates (`x,xx %`, `0 %`) and finance words
+  (Finz./Finanzierung/finanzier*, Zins, Rate(n), Leasing, mtl./monatlich, `€/Monat`, Anzahlung, Schlussrate, Sollzins,
+  effektiver Jahreszins, Kredit, Darlehen, Santander) are cut. A percentage next to SoH/Akku/Batterie/elektrisch/
+  Schaden is kept ("99% SoH", "0% Schaden").
+- Fail-closed: if a broader check still finds finance wording in title or description, the car is not sent
+  (`excluded.finance_claim`). Cleaned in_stock rows are counted as `cleaned.finance_terms_removed`.
+- Rows re-sent from the ledger as out_of_stock are cleaned the same way (brand only if wording is left).
+- DEV 12.10 (1.26.31): 64 of 1,002 titles had such wording (60 Mercedes "4,49%"/"5,99%"/"Finz.", 4 Ford "0% Zins").
+- Out of scope, candidate for a separate ticket: the same dealer titles go into the Google/Meta feeds and are shown
+  on the CDP.
+
 ## Known source-data issues (not fixed by the feed)
 
 - Wrong make from the import mapping: e.g. DEV "Jeep SWM G01a" (model SONSTIGE, the variant names another

package/package.json

@@ -1,6 +1,6 @@
 {
   "name": "@bytebrand/export-cars",
-  "version": "1.26.32",
+  "version": "1.26.34",
   "description": "",
   "author": "bytebrand",
   "license": "UNLICENSED",
@@ -11,7 +11,7 @@
     "format": "prettier --write \"src/**/*.ts\" \"test/**/*.ts\"",
     "lint": "eslint -c .eslintrc.js --ext .ts src/",
     "start:dev": "nest start --watch",
-    "test": "ts-node --transpile-only test/google-feed-envkv.test.ts && ts-node --transpile-only test/google-feed-item-row.test.ts && ts-node --transpile-only test/publication-gate.test.ts && ts-node --transpile-only test/images-regression.test.ts && ts-node --transpile-only test/clean-images.test.ts && ts-node --transpile-only test/image-url-validator.test.ts && ts-node --transpile-only test/openai-image-fields.test.ts && ts-node --transpile-only test/openai-ads-mapping.test.ts && ts-node --transpile-only test/openai-ads-feed-run.test.ts && ts-node --transpile-only test/meinstadt-mapping.test.ts && ts-node --transpile-only test/meinstadt-feed-run.test.ts && ts-node --transpile-only test/autouncle-mapping.test.ts && ts-node --transpile-only test/autouncle-feed-run.test.ts"
+    "test": "ts-node --transpile-only test/google-feed-envkv.test.ts && ts-node --transpile-only test/google-feed-item-row.test.ts && ts-node --transpile-only test/publication-gate.test.ts && ts-node --transpile-only test/images-regression.test.ts && ts-node --transpile-only test/clean-images.test.ts && ts-node --transpile-only test/image-url-validator.test.ts && ts-node --transpile-only test/openai-image-fields.test.ts && ts-node --transpile-only test/openai-ads-mapping.test.ts && ts-node --transpile-only test/openai-ads-feed-run.test.ts && ts-node --transpile-only test/openai-ads-finance.test.ts && ts-node --transpile-only test/openai-ads-price-cap.test.ts && ts-node --transpile-only test/meinstadt-mapping.test.ts && ts-node --transpile-only test/meinstadt-feed-run.test.ts && ts-node --transpile-only test/autouncle-mapping.test.ts && ts-node --transpile-only test/autouncle-feed-run.test.ts"
   },
   "dependencies": {
     "@bytebrand/autode-request": "^1.19.2",

package/src/configs/openai-ads.config.ts

@@ -1,6 +1,7 @@
 import { toNumber } from 'lodash';
 
 import { ExportType, FileType, ImageType } from '../enums';
+import { resolveMaxFeedSalesPrice } from '../constants/feed-price.constants';
 import { Params } from '../interfaces/params.interface';
 import { FeedGuardOptions } from '../services/feed-guard';
 import { Config } from './config';
@@ -50,10 +51,9 @@ export class OpenAiAdsConfig extends Config {
     this.sellerName = text(params.openAiAdsSellerName) || OPENAI_ADS_DEFAULTS.sellerName;
     this.retentionDays = positiveNumber(params.openAiAdsRetentionDays, OPENAI_ADS_DEFAULTS.retentionDays);
     this.imageConcurrency = positiveNumber(params.openAiAdsImageConcurrency, OPENAI_ADS_DEFAULTS.imageConcurrency);
-    // Shared price cap stays opt-in here (open question to Marketing): only an explicit
-    // maxCurrentSalesPrice param applies it, no 80k default as for Google/Meta.
-    const cap = positiveNumber(params.maxCurrentSalesPrice, 0);
-    this.maxCurrentSalesPrice = cap || undefined;
+    // Same €80k selling-price cap as Google/Meta (decision 14.10): a valid positive
+    // maxCurrentSalesPrice param wins, else MAX_FEED_SALES_PRICE_EUR. Applied by CarService.filterCar.
+    this.maxCurrentSalesPrice = resolveMaxFeedSalesPrice(params.maxCurrentSalesPrice);
     this.feedGuard = {
       stateDir: this.stateDir,
       minSourceItems: positiveNumber(params.feedGuardMinSourceItems, OPENAI_ADS_DEFAULTS.minSourceItems),

package/src/exporters/openai-ads.exporter.ts

@@ -1,4 +1,5 @@
 import { Injectable } from '@nestjs/common';
+import { get, toNumber } from 'lodash';
 import { FsChunkInterface } from '@bytebrand/chunkable';
 import { LoggerService } from '@bytebrand/cronicle-helper';
 import { TranslatorExtended } from '@bytebrand/schema-tools';
@@ -11,6 +12,20 @@ import { DealerStatus, OpenAiAdsFeedRun, SourceCar } from '../services/openai-ad
 import { resolveOpenAiImageFields } from '../transformers/openai-image-fields';
 import { OpenAiAdsConfig } from '../configs/openai-ads.config';
 import { Exporter } from '../interfaces/exporter.interface';
+import { OpenAiAdsExclusion } from '../interfaces/openai-ads.interface';
+
+/**
+ * CarService.filterCar decides (images, €80k cap, Cronicle rules); this only names the reason for the
+ * run report: a rejected car with a valid price above the cap counts as price_cap, else filtered.
+ */
+export const classifyPartnerFilter = (passed: boolean, source: SourceCar, cap: number | undefined): OpenAiAdsExclusion | null => {
+  if (passed) {
+    return null;
+  }
+  const price = toNumber(get(source, 'car.price.currentSalesPrice', null));
+  const hasImages = (source?.car?.metaData?.imagesCount ?? 0) > 0;
+  return cap && hasImages && Number.isFinite(price) && price > cap ? OpenAiAdsExclusion.priceCap : OpenAiAdsExclusion.filtered;
+};
 
 /**
  * ExportType.OPENAI_ADS (ADV-335). Wires the Cronicle/Nest services into OpenAiAdsFeedRun, which
@@ -35,7 +50,9 @@ export class OpenAiAdsExporter implements Exporter {
     const run = new OpenAiAdsFeedRun(
       {
         forEachChunk: fn => this.loaderService.process((chunk: FsChunkInterface) => fn(chunk.data as SourceCar[])),
-        filterCar: source => this.carService.filterCar(source, this.rulesService.rules),
+        filterCar: source => classifyPartnerFilter(
+          this.carService.filterCar(source, this.rulesService.rules), source, config.maxCurrentSalesPrice,
+        ),
         dealerStatus: ownerId => this.dealerStatus(ownerId),
         resolveImages: ({ car, images }) =>
           resolveOpenAiImageFields(this.imagesService.getCleanImages(car._id, images), validator),

package/src/interfaces/openai-ads.interface.ts

@@ -46,6 +46,8 @@ export enum OpenAiAdsExclusion {
   noId = 'no_id',
   duplicateId = 'duplicate_id',
   filtered = 'filtered',
+  // price.currentSalesPrice above the feed cap (€80k default, maxCurrentSalesPrice param)
+  priceCap = 'price_cap',
   invalidPrice = 'invalid_price',
   noTitle = 'no_title',
   noBrand = 'no_brand',
@@ -53,6 +55,8 @@ export enum OpenAiAdsExclusion {
   dealerInactive = 'dealer_inactive',
   dealerUnknown = 'dealer_unknown',
   noImage = 'no_image',
+  // finance wording left after stripping (rates, Zins, Leasing, mtl., …) — ADV-335/336 launch gate
+  financeClaim = 'finance_claim',
 }
 
 // Why an item is sent as out_of_stock.

package/src/services/openai-ads-feed-run.ts

@@ -30,8 +30,9 @@ export type DealerStatus = 'active' | 'inactive' | 'unknown';
 export interface OpenAiAdsRunDeps {
   // iterates the base export snapshot chunk by chunk (LoaderService.process)
   forEachChunk: (fn: (cars: SourceCar[]) => Promise<void>) => Promise<unknown>;
-  // existing shared partner filter (images count, optional price cap, Cronicle rules)
-  filterCar: (source: SourceCar) => boolean;
+  // existing shared partner filter (images count, €80k price cap, Cronicle rules): null = passes,
+  // else the exclusion reason (price_cap or filtered)
+  filterCar: (source: SourceCar) => OpenAiAdsExclusion | null;
   dealerStatus: (ownerId: string) => Promise<DealerStatus>;
   // ADV-336 clean images, validated
   resolveImages: (source: SourceCar) => Promise<OpenAiImageSelection>;
@@ -63,6 +64,8 @@ export interface OpenAiAdsRunReport {
   rows: { inStock: number; outOfStock: number; total: number };
   outOfStock: Record<string, number>;
   excluded: Record<string, number>;
+  // in_stock rows whose title had finance wording cut (finance_terms_removed)
+  cleaned: Record<string, number>;
   reservedNeverSent: number;
   ledger: { before: number; after: number; expired: number };
   price: { min: number | null; max: number | null };
@@ -103,6 +106,7 @@ export class OpenAiAdsFeedRun {
       rows: { inStock: 0, outOfStock: 0, total: 0 },
       outOfStock: {},
       excluded: {},
+      cleaned: {},
       reservedNeverSent: 0,
       ledger: { before: 0, after: 0, expired: 0 },
       price: { min: null, max: null },
@@ -143,8 +147,9 @@ export class OpenAiAdsFeedRun {
             continue;
           }
           seen.add(id);
-          if (!this.deps.filterCar(source)) {
-            increment(report.excluded, OpenAiAdsExclusion.filtered);
+          const filtered = this.deps.filterCar(source);
+          if (filtered) {
+            increment(report.excluded, filtered);
             continue;
           }
           const mapped = mapOpenAiAdsVehicle(source.car, mapping);
@@ -176,6 +181,9 @@ export class OpenAiAdsFeedRun {
             continue;
           }
           await builder.addItem(row);
+          if (mapped.financeTermsRemoved) {
+            increment(report.cleaned, 'finance_terms_removed');
+          }
           inStockIds.add(row.item_id);
           ledger.markInStock(row, startedAt);
           report.rows.inStock += 1;

package/src/transformers/openai-ads-finance.ts

@@ -0,0 +1,60 @@
+/**
+ * No finance claims in the OpenAI Ads feed (ADV-335/336 launch gate, 13.10). OpenAI's ads policy
+ * lists "Auto loans and leasing" outside the US as "Restricted to Select Approved Advertisers", so
+ * the feed must not carry rates, interest, leasing or monthly-payment wording at all.
+ *
+ * The only source today is the dealer's variant text (mainData.subModel), e.g. "GLB 200
+ * 4,49%Finz./Progressive" or "Tourneo Custom L1 0% Zins" — the description is generated from
+ * structured fields and repeats the title. Two layers:
+ * - stripFinanceClaims: removes finance tokens (word-bounded) before the title is normalised;
+ * - hasFinanceClaim: a broader substring check on the final title/description; a match keeps the
+ *   car out of the feed (exclusion `finance_claim`), so anything the stripping misses fails closed.
+ */
+
+// A percentage next to these words is a battery/damage figure, not an interest rate:
+// "99% SoH", "Akku 95%", "100% elektrisch", "0% Schaden".
+const NON_FINANCE_PERCENT_CONTEXT = /soh|akku|batter|kapazit|elektr|schaden|unfall|reichweite|ladung/i;
+const PERCENT = /\d{1,3}(?:[.,]\d{1,2})?\s*%-?/g;
+
+const FINANCE_TOKENS: RegExp[] = [
+  // monthly amounts: "ab 199 € mtl.", "199€/Monat", "mtl. 199 €", "pro Monat"
+  /(?:\bab\s+)?\d[\d.,]*\s*(?:€|\beur\b|\beuro\b)?\s*(?:\/\s*|pro\s+|im\s+)?(?:\bmonat\b|\bmtl\b\.?|\bmonatl\b\.?|\bmonatlich\b)/gi,
+  /(?:\bmtl\b\.?|\bmonatl\b\.?|\bmonatlich\w*)\s*(?:ab\s+)?(?:\d[\d.,]*\s*(?:€|\beur\b|\beuro\b)?)?/gi,
+  /(?:€|\beur\b|\beuro\b)?\s*(?:\/\s*|\bpro\s+|\bim\s+)monat\b/gi,
+  // finance words
+  /\beffektiv(?:er|en)?\s+jahreszins\w*/gi,
+  /\b(?:finz\b\.?|finanz\w*|ballonfinanz\w*|zins\w*|sollzins\w*|jahreszins\w*|schlussrate\w*|monatsrate\w*|raten?|leasing\w*|leasen|anzahlung\w*|kredit\w*|darlehen\w*|santander)\b\.?/gi,
+];
+
+// Broader than the stripping patterns (substrings, glued words like "AMGFinanzierung").
+const FINANCE_CLAIM = /finanz|\bfinz\b|zins|leasing|leasen|santander|darlehen|kredit|anzahlung|schlussrate|monatsrate|\bmtl\b|monatl|\braten?\b|\/\s*monat|pro\s+monat|im\s+monat/i;
+
+const CUT = '\u0000';
+const SEPARATORS = '[\\s/,;|+&\\-–]*';
+const CUT_WITH_SEPARATORS = new RegExp(`${SEPARATORS}${CUT}(?:${SEPARATORS}${CUT})*${SEPARATORS}`, 'g');
+
+// Only the word right before the number or right after the "%" counts ("Akku 95%", "99% SoH"), so
+// "Elektromotor V 0,0%" is still a rate.
+const isFinancePercent = (match: string, offset: number, text: string): boolean => {
+  const before = /([^\s/,;|]*)[\s/,;|]*$/.exec(text.slice(0, offset))[1];
+  const after = /^[\s/,;|]*([^\s/,;|]*)/.exec(text.slice(offset + match.length))[1];
+  return !NON_FINANCE_PERCENT_CONTEXT.test(before) && !NON_FINANCE_PERCENT_CONTEXT.test(after);
+};
+
+// Finance tokens out, together with the separators around them ("SB 4,49%/AMG" -> "SB AMG").
+export const stripFinanceClaims = (text: string): string => {
+  let out = text || '';
+  for (const pattern of FINANCE_TOKENS) {
+    out = out.replace(pattern, CUT);
+  }
+  out = out.replace(PERCENT, (match: string, offset: number, whole: string) => (isFinancePercent(match, offset, whole) ? CUT : match));
+  return out.includes(CUT) ? out.replace(CUT_WITH_SEPARATORS, ' ').replace(/\s+/g, ' ').trim() : text || '';
+};
+
+export const hasFinanceClaim = (text: string): boolean => {
+  const value = text || '';
+  if (FINANCE_CLAIM.test(value)) {
+    return true;
+  }
+  return [...value.matchAll(PERCENT)].some(match => isFinancePercent(match[0], match.index, value));
+};

package/src/transformers/openai-ads.transformer.ts

@@ -9,6 +9,7 @@ import {
   OpenAiAdsRow,
 } from '../interfaces/openai-ads.interface';
 import { OpenAiImageFields, encodeCommasInUrl } from './openai-image-fields';
+import { hasFinanceClaim, stripFinanceClaims } from './openai-ads-finance';
 
 // OpenAI product file limits (guidance): title ≤ 150, description ≤ 5,000 characters.
 export const OPENAI_TITLE_MAX_LENGTH = 150;
@@ -51,7 +52,8 @@ export interface OpenAiAdsMappingContext {
 export type OpenAiAdsBaseRow = Omit<OpenAiAdsRow, 'image_url' | 'additional_image_urls'>;
 
 export type OpenAiAdsMapResult =
-  | { ok: true; row: OpenAiAdsBaseRow; outOfStockReason?: OpenAiAdsOutOfStockReason }
+  // financeTermsRemoved: the dealer variant text carried finance wording that was cut from the title
+  | { ok: true; row: OpenAiAdsBaseRow; outOfStockReason?: OpenAiAdsOutOfStockReason; financeTermsRemoved?: boolean }
   | { ok: false; reason: OpenAiAdsExclusion };
 
 /**
@@ -98,8 +100,19 @@ export const mapOpenAiAdsVehicle = (car: DataSchemes.Car, ctx: OpenAiAdsMappingC
     is_ads_eligible: true,
   };
 
+  // fail-closed: whatever finance wording survived the stripping keeps the car out of the feed
+  if (hasFinanceClaim(row.title) || hasFinanceClaim(row.description)) {
+    return { ok: false, reason: OpenAiAdsExclusion.financeClaim };
+  }
+
   const outOfStockReason = OFFER_AVAILABILITY_OUT_OF_STOCK[toString(get(car, 'offer.offerAvailability', ''))];
-  return outOfStockReason ? { ok: true, row, outOfStockReason } : { ok: true, row };
+  const financeTermsRemoved = title !== buildOpenAiTitle(car, { keepFinanceTerms: true });
+  return {
+    ok: true,
+    row,
+    ...(outOfStockReason ? { outOfStockReason } : {}),
+    ...(financeTermsRemoved ? { financeTermsRemoved } : {}),
+  };
 };
 
 export const withOpenAiImages = (row: OpenAiAdsBaseRow, images: OpenAiImageFields): OpenAiAdsRow => ({
@@ -112,11 +125,22 @@ export const withOpenAiImages = (row: OpenAiAdsBaseRow, images: OpenAiImageField
 // The same vehicle, switched off: kept in the file so OpenAI stops delivering it instead of
 // relying on the row disappearing (not documented as a removal).
 export const asOutOfStock = (row: OpenAiAdsRow): OpenAiAdsRow => ({
-  ...row,
+  ...withoutFinanceClaims(row),
   availability: 'out_of_stock',
   is_ads_eligible: false,
 });
 
+// Rows re-sent from the ledger may predate the finance rule: strip again, and if wording is still
+// left, fall back to the brand alone (the row only switches the item off).
+export const withoutFinanceClaims = <T extends { title: string; description: string; brand: string }>(row: T): T => {
+  const title = stripFinanceClaims(row.title);
+  const description = stripFinanceClaims(row.description);
+  if (!hasFinanceClaim(title) && !hasFinanceClaim(description)) {
+    return title === row.title && description === row.description ? row : { ...row, title, description };
+  }
+  return { ...row, title: row.brand, description: row.brand };
+};
+
 // Purchase price (price.currentSalesPrice, EUR gross) in major units with exactly two decimals and
 // no thousands separator: 17990 -> "17990.00 EUR". Never a monthly financing/leasing rate.
 // null = not a valid positive price; the car is not exported.
@@ -140,10 +164,12 @@ export const toOpenAiMinorUnits = (value: unknown): number | null => {
 // "<make> <model> <variant>" as delivered (German market names), dealer junk punctuation removed
 // with the same normalizer as the Meta feed, cut at a word boundary. No HTML escaping: CSV quoting
 // handles every character. A placeholder model (SONSTIGE) is left out ("MG 1.5 Hybrid Luxury");
-// with neither a real model nor a variant there is no title and the car is not sent.
-export const buildOpenAiTitle = (car: DataSchemes.Car): string => {
+// with neither a real model nor a variant there is no title and the car is not sent. Finance wording
+// in the dealer text ("4,49%Finz.", "0% Zins") is cut first (openai-ads-finance.ts).
+export const buildOpenAiTitle = (car: DataSchemes.Car, options: { keepFinanceTerms?: boolean } = {}): string => {
   const [make, model, subModel] = ['mainData.make', 'mainData.model', 'mainData.subModel']
-    .map(path => repairMojibake(trim(toString(get(car, path, '')))));
+    .map(path => repairMojibake(trim(toString(get(car, path, '')))))
+    .map(part => (options.keepFinanceTerms ? part : stripFinanceClaims(part)));
   const realModel = PLACEHOLDER_NAMES.test(model) ? '' : model;
   if (!normalizeFeedText(`${realModel} ${subModel}`)) {
     return '';