[
{"id":"refund-policy","scope":"public","text":"Refund window: request a refund within 14 days of purchase. A refund requires the order ID."},
{"id":"retry-policy","scope":"public","text":"API retries: retry temporary 503 errors with exponential backoff. Never retry an invalid API key."},
{"id":"staff-payroll","scope":"staff","text":"Payroll secret: the fixture code is ORANGE. This document is visible to staff only."}
]