{
 "note": "What each `rule` id in an evidence record means, and which function applies it. Published so a reader of the data can resolve a rule without reading the code.",
 "source_note": "Each brand's own Product Disclosure Statement and Target Market Determination, both of which the Corporations Act requires it to publish, linked from data/au-travel-insurance/brands.json.",
 "fact_documents": {
  "issuer": [
   "pds",
   "tmd"
  ],
  "distributor": [
   "pds",
   "tmd"
  ],
  "cooling_off": [
   "pds"
  ],
  "age_limit": [
   "pds"
  ],
  "overseas_medical": [
   "pds"
  ],
  "pds_effective_date": [
   "pds"
  ],
  "tmd_effective_date": [
   "tmd"
  ],
  "review_period": [
   "tmd"
  ],
  "target_market": [
   "tmd"
  ]
 },
 "rules": {
  "issuer.declared": {
   "fact": "insurer",
   "description": "A sentence declaring who carries the risk ('the insurer of this product is', 'is underwritten by', 'acts as agent of the Insurer') that also carries an ABN or an AFS licence number. The licence number is what makes the sentence a declaration rather than a passing mention: it is how 'The insurer is responsible for the PDS' is refused.",
   "source": "scripts/au_travel_insurance_terms.py:find_issuer"
  },
  "issuer.labelled": {
   "fact": "insurer",
   "description": "The entity a document explicitly labels '(the Insurer)' after naming it and its ABN or AFS licence number. A document that defines that short form is saying outright which of the several companies it names carries the risk, so this outranks every phrase-based rule below.",
   "source": "scripts/au_travel_insurance_terms.py:find_labelled_insurer"
  },
  "issuer.lloyds": {
   "fact": "insurer",
   "description": "A sentence naming Lloyd's underwriters as the risk carrier. Lloyd's syndicates have no Australian ABN of their own, so the ABN test above cannot apply; the name is taken from the sentence and the regulatory footing is recorded as lloyds rather than as an APRA-authorised company.",
   "source": "scripts/au_travel_insurance_terms.py:find_issuer"
  },
  "issuer.absent": {
   "fact": "insurer",
   "description": "A negative finding: the document was read in full and no sentence declares who the insurer is. The evidence is the document that was read, not a quote from it.",
   "source": "scripts/au_travel_insurance_terms.py:extract_for_document"
  },
  "distributor.declared": {
   "fact": "distributor",
   "description": "A sentence naming the company that sells or administers the policy and the basis on which it does so: a binding authority from the insurer, an agency, an authorised representative of a licensee, or 'designed and distributed by'. The basis is recorded because it decides who the buyer is actually dealing with.",
   "source": "scripts/au_travel_insurance_terms.py:find_distributor"
  },
  "cooling_off.declared": {
   "fact": "cooling-off period",
   "description": "A duration in days within 160 characters of the words 'cooling off', in a sentence that also mentions cancelling, a refund or returning the policy.",
   "source": "scripts/au_travel_insurance_terms.py:find_cooling_off"
  },
  "age_limit.declared": {
   "fact": "maximum age",
   "description": "A sentence stating an age above which the policy will not cover a traveller. Only taken where the sentence ties the age to eligibility or cover, so an age used in an example or a dependant definition is not read as a limit.",
   "source": "scripts/au_travel_insurance_terms.py:find_age_limit"
  },
  "overseas_medical.declared": {
   "fact": "overseas medical cover",
   "description": "A prose sentence stating that overseas medical expenses are unlimited, or stating a single cap on them. A window carrying more than one dollar amount, or the 'Yes $' of a benefits-table row, is refused: those are table columns for several plans at once and cannot be tied to a plan. See the module docstring.",
   "source": "scripts/au_travel_insurance_terms.py:find_overseas_medical"
  },
  "effective_date.declared": {
   "fact": "document effective date",
   "description": "The date the document states it takes effect, from a labelled field ('Effective Date:', 'Date prepared:', 'This TMD is effective from').",
   "source": "scripts/au_travel_insurance_terms.py:find_effective_date"
  },
  "review_period.declared": {
   "fact": "TMD review period",
   "description": "The interval within which the issuer undertakes to review the determination, from a sentence about reviewing the TMD. Part 7.8A requires the issuer to state one.",
   "source": "scripts/au_travel_insurance_terms.py:find_review_period"
  },
  "target_market.declared": {
   "fact": "target market",
   "description": "The sentence in which the issuer says who the product is designed for.",
   "source": "scripts/au_travel_insurance_terms.py:find_target_market"
  }
 }
}