{
  "$schema": "https://json-schema.org/draft/2020-12/schema",
  "$id": "https://comercioia.cl/ucp/schemas/consumer_terms/2026-10-09.json",
  "name": "cl.comercioia.shopping.consumer_terms",
  "version": "2026-10-09",
  "title": "Chilean Consumer Terms",
  "description": "OPEN PROPOSAL, ready to implement and open for comment. Not yet stable: fields may change before the first stable release. Carries the information Chilean consumer law asks a distance seller to give before and after an online sale (Ley 19.496, DS 6/2021), plus the retracto and legal warranty policy types for core policies[]. Required notices MUST also be sent as core messages[] warnings with presentation 'disclosure', so platforms that do not know this extension still show them. This schema is not legal advice. Spec: https://comercioia.cl/spec/#consumer-terms",
  "requires": {
    "protocol": { "min": "2026-08-25" },
    "capabilities": {
      "dev.ucp.shopping.checkout": { "min": "2026-08-25" },
      "dev.ucp.shopping.order": { "min": "2026-08-25" }
    }
  },
  "$defs": {
    "rut": {
      "type": "string",
      "pattern": "^[0-9]{1,8}-[0-9Kk]$",
      "description": "Chilean taxpayer ID (RUT) without dots, with a hyphen and the modulo 11 check digit."
    },
    "seller": {
      "type": "object",
      "description": "Identity of the seller shown to the buyer before payment (DS 6/2021).",
      "required": ["razon_social", "rut", "domicilio", "contacto"],
      "properties": {
        "razon_social": { "type": "string" },
        "rut": { "$ref": "#/$defs/rut" },
        "domicilio": { "type": "string", "description": "Legal address." },
        "contacto": { "type": "string", "description": "Email address or https URL where the buyer can reach the seller." },
        "platform_role": {
          "type": "string",
          "description": "Plain-language statement of the role of any intermediary platform in the sale."
        }
      }
    },
    "ai_disclosure": {
      "type": "object",
      "description": "Declares that the buyer is interacting through an AI agent (SERNAC Res. Ex. 33/2022). Sent by the platform in requests; echoed by the business.",
      "properties": {
        "is_ai_agent": { "type": "boolean" },
        "agent_name": { "type": "string" },
        "purpose": { "type": "string", "examples": ["purchase_assistance"] },
        "human_contact": { "type": "string", "description": "How the buyer can reach a person." }
      }
    },
    "installments": {
      "type": "object",
      "description": "Present only when the business offers cuotas. The cash price MUST be at least as visible as the installment price (Ley 19.496 arts. 17 G, 37).",
      "required": ["count", "installment_amount", "total_cost", "cash_price"],
      "properties": {
        "count": { "type": "integer", "minimum": 2 },
        "installment_amount": { "type": "integer", "minimum": 0, "description": "Integer CLP." },
        "interest_rate_monthly": { "type": "number", "minimum": 0, "description": "Percent per month." },
        "cae": { "type": "number", "minimum": 0, "description": "Carga Anual Equivalente, percent." },
        "total_cost": { "type": "integer", "minimum": 0, "description": "Total cost of credit, integer CLP." },
        "cash_price": { "type": "integer", "minimum": 0, "description": "Cash price, integer CLP." }
      }
    },
    "delivery": {
      "type": "object",
      "description": "Shipping cost and delivery time shown before payment.",
      "properties": {
        "cost": { "type": "integer", "minimum": 0, "description": "Integer CLP." },
        "estimated_delivery": { "type": "string", "description": "ISO 8601 date, or a plain-language estimate." }
      }
    },
    "confirmation": {
      "type": "object",
      "description": "Written confirmation with a full copy of the contract, sent once the sale closes (Ley 19.496 art. 12 A). Without it, the retracto window extends to 90 days.",
      "required": ["channel", "sent_at"],
      "properties": {
        "channel": { "type": "string", "examples": ["email", "chat", "sms"] },
        "sent_at": { "type": "string", "format": "date-time" },
        "contract_copy_url": { "type": "string", "format": "uri" }
      }
    },
    "checkout_terms": {
      "type": "object",
      "properties": {
        "seller": { "$ref": "#/$defs/seller" },
        "ai_disclosure": { "$ref": "#/$defs/ai_disclosure" },
        "price_includes_tax": { "type": "boolean", "description": "MUST be true for consumer sales: the total includes taxes." },
        "delivery": { "$ref": "#/$defs/delivery" },
        "installments": { "$ref": "#/$defs/installments" }
      }
    },
    "order_terms": {
      "type": "object",
      "properties": {
        "seller": { "$ref": "#/$defs/seller" },
        "ai_disclosure": { "$ref": "#/$defs/ai_disclosure" },
        "confirmation": { "$ref": "#/$defs/confirmation" }
      }
    },
    "retracto_policy": {
      "title": "Policy type cl.comercioia.policy.retracto",
      "description": "Right of withdrawal for distance sales (Ley 19.496 art. 3 bis b, as amended by Ley 21.398). Used inside core policies[].",
      "allOf": [
        { "$ref": "https://ucp.dev/2026-08-25/schemas/common/types/policy.json" },
        {
          "type": "object",
          "properties": {
            "type": { "const": "cl.comercioia.policy.retracto" },
            "window_days": { "type": "integer", "minimum": 0, "default": 10, "description": "Calendar days from receipt of the goods (or from contracting, for services)." },
            "window_starts": { "type": "string", "examples": ["goods_received", "contract_concluded"] },
            "window_days_without_confirmation": { "type": "integer", "minimum": 0, "default": 90 },
            "refund_within_days": { "type": "integer", "minimum": 0, "default": 45 },
            "excluded": { "type": "boolean", "default": false },
            "exclusion_reason": {
              "type": "string",
              "description": "Required when excluded is true.",
              "examples": ["not_returnable", "perishable", "made_to_order", "hygiene_opened", "service_excluded_by_seller"]
            }
          }
        }
      ]
    },
    "garantia_legal_policy": {
      "title": "Policy type cl.comercioia.policy.garantia_legal",
      "description": "Legal warranty (Ley 19.496 arts. 20-21; SERNAC Res. Ex. 779/2023). Used inside core policies[].",
      "allOf": [
        { "$ref": "https://ucp.dev/2026-08-25/schemas/common/types/policy.json" },
        {
          "type": "object",
          "properties": {
            "type": { "const": "cl.comercioia.policy.garantia_legal" },
            "months": { "type": "integer", "minimum": 0, "default": 6, "description": "Months from receipt." },
            "remedies": {
              "type": "array",
              "items": { "type": "string" },
              "description": "At the buyer's choice.",
              "default": ["repair", "replace", "refund"]
            },
            "remote_claim_channel": { "type": "string", "description": "Remote claim channel or free pickup offered by a distance seller." }
          }
        }
      ]
    },
    "dev.ucp.shopping.checkout": {
      "title": "Checkout with Chilean consumer terms",
      "description": "Checkout extended with seller identity, AI disclosure, delivery and installment information.",
      "allOf": [
        { "$ref": "https://ucp.dev/2026-08-25/schemas/shopping/checkout.json" },
        {
          "type": "object",
          "properties": {
            "consumer_terms": {
              "$ref": "#/$defs/checkout_terms",
              "ucp_request": { "create": "optional", "update": "optional", "complete": "optional" }
            }
          }
        }
      ]
    },
    "dev.ucp.shopping.order": {
      "title": "Order with Chilean consumer terms",
      "description": "Order extended with seller identity and the written confirmation.",
      "allOf": [
        { "$ref": "https://ucp.dev/2026-08-25/schemas/shopping/order.json" },
        {
          "type": "object",
          "properties": {
            "consumer_terms": { "$ref": "#/$defs/order_terms" }
          }
        }
      ]
    }
  }
}