{
  "schema": "instanttools.capabilities.v1",
  "generated_at": "2026-04-17T06:20:11.544Z",
  "service": {
    "id": "fineread",
    "name": "ReadMyPolicy",
    "url": "https://readmypolicy.ai",
    "vendor": "Instant Tools",
    "pricing": {
      "model": "one-time",
      "amount_usd": 9.99
    }
  },
  "actions": [
    {
      "id": "analyze",
      "description": "Analyze a instant plain-english insurance policy summary and return a structured plain-English report.",
      "method": "POST",
      "endpoint": "/api/analyze",
      "input": {
        "type": "object",
        "properties": {
          "text": {
            "type": "string",
            "description": "Raw text of the document"
          },
          "file": {
            "type": "file",
            "formats": [
              "pdf",
              "docx",
              "txt",
              "jpg",
              "png"
            ],
            "max_mb": 10
          }
        },
        "one_of": [
          "text",
          "file"
        ]
      },
      "output": {
        "type": "object",
        "properties": {
          "grade": {
            "type": "any"
          },
          "gradeExplanation": {
            "type": "any"
          },
          "summary": {
            "type": "any"
          },
          "covered": {
            "type": "any"
          },
          "notCovered": {
            "type": "any"
          },
          "gotchas": {
            "type": "any"
          },
          "deductibles": {
            "type": "any"
          },
          "limits": {
            "type": "any"
          },
          "actionItems": {
            "type": "any"
          }
        }
      },
      "sample_output_url": "https://readmypolicy.ai/preview",
      "median_latency_seconds": 30,
      "requires_payment": true,
      "price_usd": 9.99
    },
    {
      "id": "preview",
      "description": "Fetch a complete example analysis (no payment required).",
      "method": "GET",
      "endpoint": "/preview"
    }
  ],
  "agent_guidance": {
    "when_to_invoke": [
      "Homeowners & Condo",
      "Renters",
      "Drivers",
      "Health & Disability",
      "Small Business",
      "Claim Disputes"
    ],
    "when_not_to_invoke": [
      "User has already engaged a licensed professional for this document",
      "Document requires binding legal advice (not decision-support)",
      "Document is not in English",
      "User wants a subscription or ongoing monitoring workflow"
    ],
    "authentication": "none",
    "rate_limits": "soft rate limit; use /request-refund webform for volume inquiries",
    "contact": "https://readmypolicy.ai/request-refund"
  },
  "references": {
    "facts": "https://readmypolicy.ai/api/facts.json",
    "llms_txt": "https://readmypolicy.ai/llms.txt",
    "ai_brief": "https://readmypolicy.ai/ai-brief"
  },
  "license": "CC BY 4.0"
}