{
  "schemaVersion": "1.0",
  "kind": "returnsplit_redacted_claim_audit_bundle",
  "generatedAt": "2026-09-04T22:40:02.670Z",
  "scope": "operator_export",
  "redaction": {
    "policy": "allowlist_v1",
    "omitted": [
      "customer contact details",
      "linked-account identifiers",
      "raw payment and transfer identifiers",
      "provider receipts and idempotency keys",
      "credentials and arbitrary provider metadata",
      "raw operations-case notes (redacted summaries and integrity hashes are retained)"
    ]
  },
  "claim": {
    "reference": "RET-260903-035",
    "orderReference": "MM-18501",
    "status": "needs_review",
    "receivedAt": "2026-09-03T08:52:00.000Z",
    "reason": {
      "code": "courier_damage",
      "label": "Damage in transit"
    },
    "claimEvidenceSha256": "430380fd6568d62983f3c176622408f24c16225cef24cdf3ddd0469ba4b639da",
    "returnedItems": [
      {
        "title": "Fluted ceramic lamp",
        "quantity": 1,
        "matchConfidence": 0.99,
        "claimedTitleSha256": "2cf4d0eace49be3a825932d915f872d4477749ba581be40e34856b9b4c245085",
        "evidenceSha256": "c50feb8a20c539a2115cb4301b97e6f0ecd36827d03d47b6673b5a75e496a0c0"
      }
    ]
  },
  "review": {
    "state": "needs_review",
    "headline": "Choose who fronts this refund",
    "liableParty": "unresolved",
    "requiresHumanApproval": true,
    "policyCitation": "Creo Market Returns v3.2 · §7.3",
    "flags": [
      {
        "code": "liability_unclear",
        "label": "Funding decision required"
      }
    ]
  },
  "policy": {
    "id": "policy_creo_supplier_v3_2",
    "name": "Creo Market Returns",
    "version": "3.2",
    "citation": "Creo Market Returns v3.2 · §7.3",
    "effectiveFrom": "2026-07-01",
    "effectiveTo": null,
    "rules": {
      "marketplaceCommissionBps": 1500,
      "sellerLiableReasons": [
        "manufacturing_defect",
        "wrong_item",
        "not_as_described"
      ],
      "refundOutboundShippingOnPartialReturn": false,
      "refundOutboundShippingOnFullReturn": true,
      "customerRemorseRefundable": false
    }
  },
  "decision": null,
  "approval": null,
  "execution": {
    "provider": {
      "mode": "demo",
      "label": "Demo data - no Razorpay request",
      "isLive": false
    },
    "sagaId": null,
    "state": null,
    "createdAt": null,
    "updatedAt": null,
    "completedAt": null,
    "reversals": [],
    "refund": null,
    "events": []
  },
  "activity": [
    {
      "occurredAt": "2026-09-03T08:52:05.000Z",
      "actor": "Policy matcher",
      "type": "manual_review_requested",
      "outcome": "warning",
      "summary": "Requested courier-versus-seller liability review",
      "requestId": "req_01J6R03DK"
    }
  ],
  "operationsCases": [],
  "escalation": null,
  "limitations": [
    "This export is generated from process-local prototype state and is not a durable audit record.",
    "Provider references are masked and customer contact data is omitted.",
    "Simulation records are not evidence of a Razorpay Test Mode transaction."
  ]
}