# Decide Policy Notaries (remote · policy.decide.fyi)

Fail-closed refund, cancellation, return, and trial checks for 100 US subscription vendors.

- Trust score: 74/100 (medium)
- Change this week: +7
- Registry status: active
- Liveness: live
- Owner verified: no
- Last scored: 2026-08-03

## Components

- remote · `policy.decide.fyi`: 74/100 (this document), [markdown](https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp.md), [page](https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp)

## Channel facts

- Endpoint: `https://policy.decide.fyi/api/mcp`
- Transports: `streamable-http`
- Auth: `none`
- Version: `1.3.1`

## Trust breakdown

How this component scores in each security and reliability category. Every signal is checked automatically against the live server, and we only credit what we can confirm. Scores are 0–100 per category. Scoring method: https://verifymcp.io/docs/scoring (what has changed: https://verifymcp.io/docs/scoring/changelog)

Scored 2026-08-03.

- **Endpoint Security**: 83/100
  - The endpoint's TLS certificate is valid, in date, and uses a strong key.
  - No authorisation is required to call this server. Every tool declares its destructiveHint and none is destructive, so open access doesn't expose one.
  - HTTPS is enforced; there's no plaintext access path.
  - The HSTS (Strict-Transport-Security) header is present.
  - DNSSEC is configured correctly; the domain's records validate against the full chain to the root.
- **Transport & Reachability**: 100/100
  - Verified streamable-http transport via a live MCP handshake.
- **Schema Quality & AI Usability**: 61/100
  - AI-judged instruction clarity (good).
  - Context-footprint check failed: tool/resource definitions use about 598 tokens (~149/item across 4 items; 4 tools + 0 resources), over budget; trim descriptions and params.
  - Usage-examples check failed: none of the tools include examples.
- **Stability & Change Management**: 27/100
  - Stability observed for 8 of 30 days with no destabilising changes; credit accrues until the full window elapses.
- **Tool Coverage**: 100/100
  - 100% of tools have a non-trivial description (not blank, and not just the tool's name).
  - 100% of tool parameters carry a description.
  - Structured output schemas are declared (100% of tools); any adoption earns full credit.
- **Capabilities**: 100/100
  - Implements a supported MCP spec version (2025-11-25); the latest is 2026-07-28.

## Install

### Claude

```bash
claude mcp add --transport http decidefyi-policy-notaries https://policy.decide.fyi/api/mcp
```

### Codex

```toml
[mcp_servers.decidefyi-policy-notaries]
url = "https://policy.decide.fyi/api/mcp"
```

### opencode

```json
{
  "$schema": "https://opencode.ai/config.json",
  "mcp": {
    "decidefyi-policy-notaries": {
      "type": "remote",
      "url": "https://policy.decide.fyi/api/mcp",
      "enabled": true
    }
  }
}
```

### OpenClaw

```bash
openclaw mcp add decidefyi-policy-notaries --url https://policy.decide.fyi/api/mcp --transport streamable-http
```

### Hermes

```yaml
mcp_servers:
  decidefyi-policy-notaries:
    url: "https://policy.decide.fyi/api/mcp"
```

### Other

```json
{
  "mcpServers": {
    "decidefyi-policy-notaries": {
      "type": "http",
      "url": "https://policy.decide.fyi/api/mcp"
    }
  }
}
```

The mcpServers block is a cross-client convention. Remote transports vary, so check your client's docs.

## Changelog

Every change recorded for this component, newest first. Days that predate change tracking, or that we cannot explain, say so: "we were watching and nothing happened" and "we were not watching" are different claims.

### 2026-08-02 (score 74, +1)

No change was recorded against any check on this day. Stability & Change Management went from 20 to 23. That category is still filling its 30-day observation window: 6 days of observed history at the previous scan, 7 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-31 (score 73, +4)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-30 (score 69, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-29 (score 68, +1)

No change was recorded against any check on this day. Stability & Change Management went from 7 to 10. That category is still filling its 30-day observation window: 2 days of observed history at the previous scan, 3 at this one. The score rises as the window fills, whether or not the server changes.

### 2026-07-27 (score 67, +1)

- [functional] We updated how we score, so this day's move reflects our rubric, not a change to the server

### 2026-07-26 (score 66)

First indexed and scored.

## MCP tools (4)

### `refund_eligibility` (~138 tokens)

Check refund eligibility

Evaluate a US consumer subscription refund against versioned source-backed rules. Returns UNKNOWN when required conditions are absent or the vendor requires approval or manual policy review.

Input parameters:

- `days_since_purchase` (number, required): Number of days since the subscription was purchased.
- `plan` (string, required): Plan type. Currently only 'individual' plans are supported.
- `qualifying_conditions_met` (boolean): Required when the vendor policy has source-specific conditions such as first purchase, unused benefits, or an eligible annual plan.
- `region` (string, required): Region code. Currently only 'US' is supported.
- `vendor` (string, required): Vendor identifier (lowercase, underscore-separated).

Output parameters:

- `code` (string)
- `days_since_purchase` (number)
- `evaluated_at` (string)
- `message` (string)
- `policy_last_checked` (string)
- `policy_last_verified_utc` (string)
- `policy_source_notes` (string)
- `policy_source_url` (string)
- `policy_version` (string)
- `refundable` (boolean)
- `required_context` (array)
- `rulebook_result` (object)
- `rules_version` (string)
- `source_hash` (string)
- `vendor` (string)
- `verdict` (string)
- `window_days` (number)

### `cancellation_penalty` (~109 tokens)

Check cancellation penalty

Evaluate whether cancelling a US consumer subscription incurs a penalty or lock. Returns UNKNOWN when billing cadence is required or the policy needs manual review.

Input parameters:

- `billing_cadence` (string): Required when the vendor applies different cancellation terms to monthly and annual plans.
- `plan` (string, required): Plan type. Currently only 'individual' plans are supported.
- `region` (string, required): Region code. Currently only 'US' is supported.
- `vendor` (string, required): Vendor identifier (lowercase, underscore-separated).

Output parameters:

- `billing_cadence` (string)
- `code` (string)
- `evaluated_at` (string)
- `message` (string)
- `notice_days` (number)
- `penalty` (string)
- `policy` (string)
- `policy_last_checked` (string)
- `policy_last_verified_utc` (string)
- `policy_source_notes` (string)
- `policy_source_url` (string)
- `policy_version` (string)
- `required_context` (array)
- `rulebook_result` (object)
- `rules_version` (string)
- `source_hash` (string)
- `vendor` (string)
- `verdict` (string)

### `return_eligibility` (~138 tokens)

Check return eligibility

Evaluate whether a US consumer subscription purchase can be reversed under versioned source-backed rules. Returns UNKNOWN when required conditions are absent or manual review is required.

Input parameters:

- `days_since_purchase` (number, required): Number of days since the subscription was purchased.
- `plan` (string, required): Plan type. Currently only 'individual' plans are supported.
- `qualifying_conditions_met` (boolean): Required when the vendor policy has source-specific conditions such as first purchase, unused benefits, or an eligible annual plan.
- `region` (string, required): Region code. Currently only 'US' is supported.
- `vendor` (string, required): Vendor identifier (lowercase, underscore-separated).

Output parameters:

- `code` (string)
- `days_since_purchase` (number)
- `evaluated_at` (string)
- `message` (string)
- `method` (string)
- `policy_last_checked` (string)
- `policy_last_verified_utc` (string)
- `policy_source_notes` (string)
- `policy_source_url` (string)
- `policy_version` (string)
- `required_context` (array)
- `return_type` (string)
- `return_window_days` (number)
- `returnable` (boolean)
- `rulebook_result` (object)
- `rules_version` (string)
- `source_hash` (string)
- `vendor` (string)
- `verdict` (string)

### `trial_terms` (~192 tokens)

Check trial terms

Evaluate a live US consumer subscription trial offer. Supply observed availability, duration, card, and auto-conversion facts; the tool returns UNKNOWN instead of inferring current offers from static data.

Input parameters:

- `observed_auto_converts` (boolean): Whether the confirmed live offer converts to a paid subscription after the trial.
- `observed_card_required` (boolean): Whether the confirmed live offer requires a payment card.
- `observed_trial_days` (integer): Trial duration shown by the confirmed live offer. Required when offer_confirmed is true for a variable offer.
- `offer_confirmed` (boolean): For account- or promotion-specific trials, whether a live offer has been confirmed for this account.
- `plan` (string, required): Plan type. Currently only 'individual' plans are supported.
- `region` (string, required): Region code. Currently only 'US' is supported.
- `vendor` (string, required): Vendor identifier (lowercase, underscore-separated).

Output parameters:

- `auto_converts` (boolean)
- `card_required` (boolean)
- `code` (string)
- `evaluated_at` (string)
- `message` (string)
- `policy_last_checked` (string)
- `policy_last_verified_utc` (string)
- `policy_source_notes` (string)
- `policy_source_url` (string)
- `policy_version` (string)
- `required_context` (array)
- `rulebook_result` (object)
- `rules_version` (string)
- `source_hash` (string)
- `trial_available` (boolean)
- `trial_days` (integer)
- `vendor` (string)
- `verdict` (string)

## Diagnostics

Captured diagnostic sections: TLS, DNSSEC, Authorisation, Transports. The full working is on the page: https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp#diagnostics

## Score history

- 2026-08-03: 74
- 2026-08-02: 74
- 2026-08-01: 73
- 2026-07-31: 73
- 2026-07-30: 69
- 2026-07-29: 68
- 2026-07-28: 67
- 2026-07-27: 67
- 2026-07-26: 66

## Links

- Remote endpoint: https://policy.decide.fyi/api/mcp
- Repository: https://github.com/decidefyi/decide
- Changelog RSS feed: https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp/changelog.xml
- Changelog JSON feed: https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp/changelog.json
- HTML version of this page: https://verifymcp.io/servers/decidefyi-policy-notaries/api-mcp