{
  "version": "1.3",
  "policy_version": "20260512-001",
  "policy_change_behavior": "honor_original_for_existing",
  "plaintext_retention": {
    "min_days": 1,
    "max_days": 90,
    "default_days": 30
  },
  "subscription": {
    "min_months": 1,
    "max_months": 24,
    "default_months": 6
  },
  "recurring_charge": {
    "requires_active_retention": true
  },
  "key_rotation_grace_period_hours": 48,
  "dual_signature": {
    "merchant_key_algorithm": "Ed25519",
    "consumer_key_algorithm": "Ed25519",
    "cosign_required": true,
    "cosign_window_seconds": 300
  },
  "envelope_vault": {
    "enabled": true,
    "pii_separated": true,
    "access_log": "hash_chained"
  },
  "reauthorization": {
    "consumer_initiated": true,
    "dual_endpoint_dispatch": true,
    "post_retention_decryption": "consumer_key_required"
  },
  "products": {
    "single_card": {
      "pii_tiers": {
        "email":          { "days": 30,  "reason": "Receipt redelivery and follow-up",                               "statutory": false },
        "custom_message": { "days": 7,   "reason": "Print and ship operational window",                              "statutory": false },
        "recipient_name": { "days": 7,   "reason": "Print and ship operational window",                              "statutory": false },
        "schedule":       { "days": 7,   "reason": "Scheduled delivery operational window",                          "statutory": false },
        "taxation":       { "years": 7,  "reason": "IRC §6001 + FL state tax records", "statutory": true, "citation": "IRC §6001, Fla. Stat. §212.12" }
      },
      "effective_retention_seconds": 2592000
    },
    "bulk_card": {
      "pii_tiers": {
        "email":          { "days": 30,  "reason": "Bulk delivery confirmation and follow-up",                       "statutory": false },
        "custom_message": { "days": 7,   "reason": "Print and ship operational window",                              "statutory": false },
        "taxation":       { "years": 7,  "reason": "IRC §6001 + FL state tax records", "statutory": true, "citation": "IRC §6001, Fla. Stat. §212.12" }
      },
      "effective_retention_seconds": 2592000
    },
    "invitation": {
      "pii_tiers": {
        "email":          { "days": 60,  "reason": "Event logistics, RSVP management, post-event follow-up",         "statutory": false },
        "recipient_name": { "days": 14,  "reason": "Guest list operational window",                                  "statutory": false },
        "event_date":     { "days": 30,  "reason": "Event logistics",                                               "statutory": false },
        "taxation":       { "years": 7,  "reason": "IRC §6001 + FL state tax records", "statutory": true, "citation": "IRC §6001, Fla. Stat. §212.12" }
      },
      "effective_retention_seconds": 5184000
    }
  },
  "policy_hash": "ae95eae87d20b3ed02aca6d6e59af869fe17897ea0de309f43996f8d6ace3c17"
}