diff --git a/mods/apiserver/src/services/emailAutopilot.ts b/mods/apiserver/src/services/emailAutopilot.ts
index fe7f766..ded9fcc 100644
--- a/mods/apiserver/src/services/emailAutopilot.ts
+++ b/mods/apiserver/src/services/emailAutopilot.ts
@@ -1,4 +1,5 @@
 import {
+  buildAutopilotContextLines,
   emailAutopilotDecisionSchema,
   type AiConfig,
   type EmailAutopilot,
@@ -11,10 +12,7 @@ function buildPrompt(req: EmailAutopilotRequest): string {
   const lines = req.thread
     .map((m) => `${m.direction === "outbound" ? "Agente" : "Cliente"}: ${m.body}`)
     .join("\n");
-  const ctx: string[] = [];
-  if (req.context?.customerName) ctx.push(`Cliente: ${req.context.customerName}`);
-  if (typeof req.context?.outstandingBalance === "number")
-    ctx.push(`Saldo pendiente: ${req.context.outstandingBalance}`);
+  const ctx = buildAutopilotContextLines(req.context);
   const language = req.language || "es";
   return [
     req.systemPrompt,
@@ -29,6 +27,8 @@ function buildPrompt(req: EmailAutopilotRequest): string {
       'relativas ("mañana", "el viernes", "la próxima semana") a esa fecha usando la fecha de hoy. ' +
       "Si el cliente no indica una fecha concreta, omite dueDate.",
     "Si el asunto no corresponde / está resuelto, usa resolve. Si requiere intervención humana, escalate.",
+    "Usa el Contexto para responder preguntas básicas del cliente sobre su préstamo (saldo, cuota, " +
+      "plazo, atraso, último pago). No inventes datos que no estén en el Contexto.",
     `Idioma de la respuesta: ${language}.`,
     ctx.length ? `Contexto — ${ctx.join(" · ")}` : "",
     "Hilo:",
diff --git a/mods/apiserver/src/services/whatsAppAutopilot.ts b/mods/apiserver/src/services/whatsAppAutopilot.ts
index f88383b..958f557 100644
--- a/mods/apiserver/src/services/whatsAppAutopilot.ts
+++ b/mods/apiserver/src/services/whatsAppAutopilot.ts
@@ -1,4 +1,5 @@
 import {
+  buildAutopilotContextLines,
   emailAutopilotDecisionSchema,
   type AiConfig,
   type EmailAutopilot,
@@ -11,10 +12,7 @@ function buildPrompt(req: EmailAutopilotRequest): string {
   const lines = req.thread
     .map((m) => `${m.direction === "outbound" ? "Agente" : "Cliente"}: ${m.body}`)
     .join("\n");
-  const ctx: string[] = [];
-  if (req.context?.customerName) ctx.push(`Cliente: ${req.context.customerName}`);
-  if (typeof req.context?.outstandingBalance === "number")
-    ctx.push(`Saldo pendiente: ${req.context.outstandingBalance}`);
+  const ctx = buildAutopilotContextLines(req.context);
   const language = req.language || "es";
   return [
     req.systemPrompt,
@@ -26,6 +24,8 @@ function buildPrompt(req: EmailAutopilotRequest): string {
     "Si el cliente promete pagar, usa outcome = PAYMENT_PROMISE y objective { type, amount, dueDate }.",
     "Si el cliente pide que no le contacten (opt-out), usa outcome = OPT_OUT y action = resolve.",
     "Si el asunto no corresponde / está resuelto, usa resolve. Si requiere intervención humana, escalate.",
+    "Usa el Contexto para responder preguntas básicas del cliente sobre su préstamo (saldo, cuota, " +
+      "plazo, atraso, último pago). No inventes datos que no estén en el Contexto.",
     `Idioma de la respuesta: ${language}.`,
     ctx.length ? `Contexto — ${ctx.join(" · ")}` : "",
     "Hilo:",
diff --git a/mods/common/src/utils/index.ts b/mods/common/src/utils/index.ts
index d1a8533..ec309a4 100644
--- a/mods/common/src/utils/index.ts
+++ b/mods/common/src/utils/index.ts
@@ -3,6 +3,7 @@ export {
   renderTemplate,
   extractTemplateTokens,
   buildOutreachContext,
+  buildAutopilotContextLines,
   pickRandomNumber,
   snakeToCamel,
   renderWhatsAppTemplate
diff --git a/mods/common/src/utils/outreach.test.ts b/mods/common/src/utils/outreach.test.ts
index 0156bfa..4d42176 100644
--- a/mods/common/src/utils/outreach.test.ts
+++ b/mods/common/src/utils/outreach.test.ts
@@ -3,6 +3,7 @@ import assert from "node:assert/strict";
 import {
   renderTemplate,
   buildOutreachContext,
+  buildAutopilotContextLines,
   pickRandomNumber,
   snakeToCamel,
   renderWhatsAppTemplate
@@ -144,6 +145,66 @@ describe("renderTemplate + buildOutreachContext", () => {
   });
 });
 
+describe("buildAutopilotContextLines", () => {
+  it("returns an empty array for undefined context", () => {
+    assert.deepEqual(buildAutopilotContextLines(undefined), []);
+  });
+
+  it("surfaces balance, terms, due status, and payment history for a past-due account", () => {
+    const ctx = buildOutreachContext(
+      makeAccount({
+        fullName: "Juan Pérez",
+        outstandingBalance: 9500,
+        principalAmount: 10000,
+        termsAmount: 500,
+        termsFrequency: "quincenal",
+        termsLength: 20,
+        daysPastDue: 15,
+        missedInstallments: 2,
+        lastPaymentDate: new Date("2026-06-01T00:00:00Z"),
+        lastPaymentAmount: 500
+      }),
+      { currency: "DOP" }
+    );
+    const lines = buildAutopilotContextLines(ctx);
+    assert.deepEqual(lines, [
+      "Cliente: Juan",
+      "Saldo pendiente: 9500 DOP",
+      "Monto original del préstamo: 10000 DOP",
+      "Cuota: 500 DOP (quincenal)",
+      "Plazo: 20 cuotas",
+      "Días de atraso: 15",
+      "Cuotas incumplidas: 2",
+      "Último pago de 500 DOP: 2026-06-01"
+    ]);
+  });
+
+  it("omits due-status and payment-history lines when they aren't meaningful", () => {
+    const ctx = buildOutreachContext(
+      makeAccount({
+        outstandingBalance: 0,
+        principalAmount: 0,
+        termsAmount: 0,
+        daysPastDue: 0,
+        missedInstallments: 0,
+        lastPaymentDate: null
+      }),
+      { currency: "USD" }
+    );
+    const lines = buildAutopilotContextLines(ctx);
+    assert.deepEqual(lines, ["Cliente: María", "Saldo pendiente: 0 USD"]);
+  });
+
+  it("never includes negotiationOptions, even when set on the account", () => {
+    const ctx = buildOutreachContext(
+      makeAccount({ negotiationOptions: "Puede ofrecer 20% de descuento si insiste" }),
+      { currency: "CRC" }
+    );
+    const lines = buildAutopilotContextLines(ctx);
+    assert.ok(lines.every((l) => !l.includes("20%") && !l.includes("descuento")));
+  });
+});
+
 describe("pickRandomNumber", () => {
   it("returns a number from the pool", () => {
     const pool = ["+1", "+2", "+3"];
diff --git a/mods/common/src/utils/outreach.ts b/mods/common/src/utils/outreach.ts
index 8eb2748..041a81e 100644
--- a/mods/common/src/utils/outreach.ts
+++ b/mods/common/src/utils/outreach.ts
@@ -122,6 +122,65 @@ export function buildOutreachContext(
   };
 }
 
+/**
+ * Builds the "Contexto — ..." bullet lines an autopilot prompt (WhatsApp/Email) shows the
+ * model, from a {@link buildOutreachContext} result. Only factual account/loan data the
+ * customer already has a right to see — never `negotiationOptions` (internal, freeform
+ * admin notes on negotiation flexibility, not safe for the model to repeat verbatim).
+ *
+ * Skips fields that aren't meaningful for the current account (e.g. `daysPastDue` when the
+ * account isn't past due) so the model isn't fed noise, but always includes the ones that
+ * let it answer basic loan questions (balance, terms, due status, last payment) instead of
+ * just the outstanding balance — the model otherwise has nothing to work with beyond the
+ * balance and can't answer "how much do I owe in total" or "when's my next payment due".
+ */
+export function buildAutopilotContextLines(context: Record<string, unknown> | undefined): string[] {
+  if (!context) return [];
+  const lines: string[] = [];
+  const currency = typeof context.currency === "string" ? ` ${context.currency}` : "";
+
+  if (typeof context.firstName === "string" && context.firstName) {
+    lines.push(`Cliente: ${context.firstName}`);
+  }
+  if (typeof context.outstandingBalance === "number") {
+    lines.push(`Saldo pendiente: ${context.outstandingBalance}${currency}`);
+  }
+  if (typeof context.principalAmount === "number" && context.principalAmount > 0) {
+    lines.push(`Monto original del préstamo: ${context.principalAmount}${currency}`);
+  }
+  if (typeof context.termsAmount === "number" && context.termsAmount > 0) {
+    const freq =
+      typeof context.termsFrequency === "string" && context.termsFrequency
+        ? ` (${context.termsFrequency})`
+        : "";
+    lines.push(`Cuota: ${context.termsAmount}${currency}${freq}`);
+  }
+  if (typeof context.termsLength === "number" && context.termsLength > 0) {
+    lines.push(`Plazo: ${context.termsLength} cuotas`);
+  }
+  if (typeof context.daysPastDue === "number" && context.daysPastDue > 0) {
+    lines.push(`Días de atraso: ${context.daysPastDue}`);
+  }
+  if (typeof context.missedInstallments === "number" && context.missedInstallments > 0) {
+    lines.push(`Cuotas incumplidas: ${context.missedInstallments}`);
+  }
+  if (context.lastPaymentDate) {
+    const date =
+      context.lastPaymentDate instanceof Date
+        ? context.lastPaymentDate
+        : new Date(context.lastPaymentDate as string);
+    if (!Number.isNaN(date.getTime())) {
+      const amount =
+        typeof context.lastPaymentAmount === "number"
+          ? ` de ${context.lastPaymentAmount}${currency}`
+          : "";
+      lines.push(`Último pago${amount}: ${date.toISOString().slice(0, 10)}`);
+    }
+  }
+
+  return lines;
+}
+
 /** Default number selector: a uniform random pick from the pool. */
 export const pickRandomNumber: NumberSelector = (numbers) =>
   numbers[Math.floor(Math.random() * numbers.length)];