{
  "contractVersion": "aruntime.policy-approval.v1",
  "policyId": "refund-policy",
  "policyVersion": "2026.06.1",
  "decisionId": "decision:20260623:882",
  "scope": {
    "taskTypes": [
      "customer-refund"
    ],
    "tenantRefs": [
      "tenant:demo"
    ],
    "toolRefs": [
      "refund.create.v2"
    ]
  },
  "inputs": {
    "riskLevel": "high",
    "amountBand": "100-500",
    "actorRole": "support-agent"
  },
  "decision": "approval-required",
  "reasonCodes": [
    "financial-impact",
    "threshold-exceeded"
  ],
  "requiredApprovals": [
    {
      "role": "refund-approver",
      "count": 1,
      "separationOfDuties": true
    }
  ],
  "approvalAuthority": [
    "role:refund-approver"
  ],
  "issuedUtc": "2026-06-23T14:30:02Z",
  "expiresUtc": "2026-06-23T14:45:02Z",
  "overridePolicy": {
    "allowed": false,
    "authorityRefs": [],
    "requiresReason": true
  },
  "evidence": {
    "recordDecision": true,
    "requiredFields": [
      "decisionId",
      "reasonCodes",
      "approverRef",
      "decisionUtc"
    ]
  },
  "redaction": {
    "rules": [
      "omit-customer-pii",
      "hash-account-reference"
    ]
  },
  "reviewPath": {
    "available": true,
    "destination": "queue:policy-review",
    "slaSeconds": 86400
  }
}