@delegance/sdk 0.2.0 → 0.3.0

package/dist/index.d.mts

@@ -107,8 +107,11 @@ declare const DocumentStatusSchema: z.ZodEnum<{
 }>;
 type DocumentStatus = z.infer<typeof DocumentStatusSchema>;
 interface UploadDocumentInput {
-    /** Company ID to associate the document with */
-    companyId: string;
+    /**
+     * Optional. An API key belongs to one company, and the document goes there.
+     * Naming any other company answers 403 with `code: 'company_mismatch'`.
+     */
+    companyId?: string;
     /** File to upload (Buffer, Blob, or base64 string) */
     file: Buffer | Blob | string;
     /** File name */
@@ -168,8 +171,9 @@ interface APIKey {
 }
 interface CreateAPIKeyInput {
     name: string;
-    scopes?: ('read' | 'write' | 'admin')[];
-    expiresInDays?: number;
+    scopes?: ('read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin' | 'claims:write')[];
+    /** 1 to 365, or 'never' for a read-only key. Omitted: 90 days. */
+    expiresInDays?: number | 'never';
 }
 interface CreatedAPIKey extends APIKey {
     /** The full API key - only shown once at creation time */
@@ -181,6 +185,11 @@ declare class DeleganceError extends Error {
     details?: unknown | undefined;
     /** Machine-readable `reason` from the error body, when the server sent one. */
     reason?: string;
+    /**
+     * Machine-readable `code` from the error body, when the server sent one
+     * (e.g. `company_mismatch` on a 403 for a company the key does not own).
+     */
+    code?: string;
     /** The parsed error body, for fields a caller needs (portalUrl, hint). */
     body?: Record<string, unknown>;
     constructor(message: string, statusCode: number, traceId?: string | undefined, details?: unknown | undefined);
@@ -223,7 +232,7 @@ interface RequestOptions {
     isFormData?: boolean;
 }
 /** Kept equal to package.json "version"; a unit test fails on drift. */
-declare const SDK_VERSION = "0.2.0";
+declare const SDK_VERSION = "0.3.0";
 /**
  * Canonical default API origin (WS0/WS1 shared constant, the SDK-package
  * source of truth; the CLI mirror lives in cli/src/utils/config.ts).
@@ -260,14 +269,21 @@ declare class HttpClient {
  */
 
 interface ListCompaniesOptions {
-    /** Include companies created by this API key */
+    /**
+     * @deprecated A customer API key belongs to one company and cannot create
+     * others, so this adds nothing for it.
+     */
     includeCreated?: boolean;
 }
 declare class CompaniesModule {
     private http;
     constructor(http: HttpClient);
     /**
-     * Create a new company
+     * Create a new company.
+     *
+     * @deprecated A customer API key cannot create companies (403
+     * `tenant_key_cannot_create`). To open a new account, use
+     * `createSignup().createAccount()`.
      *
      * @example
      * ```typescript
@@ -282,19 +298,19 @@ declare class CompaniesModule {
      */
     create(input: CreateCompanyInput): Promise<Company>;
     /**
-     * List companies accessible to this API key
+     * List the company this API key belongs to. A key belongs to one company.
      *
      * @example
      * ```typescript
-     * const companies = await client.companies.list();
-     *
-     * // Include companies created via this API key
-     * const allCompanies = await client.companies.list({ includeCreated: true });
+     * const [company] = await client.companies.list();
      * ```
      */
     list(options?: ListCompaniesOptions): Promise<Company[]>;
     /**
-     * Get a company by ID
+     * Get a company by ID.
+     *
+     * @deprecated The server has no `GET /api/v1/companies/{id}` route, so this
+     * returns 404. Use `list()`, which returns the key's own company.
      *
      * @example
      * ```typescript
@@ -303,7 +319,10 @@ declare class CompaniesModule {
      */
     get(companyId: string): Promise<Company>;
     /**
-     * Create a company if it doesn't exist (using externalId for deduplication)
+     * Create a company if it doesn't exist (using externalId for deduplication).
+     *
+     * @deprecated A customer API key cannot create companies. Use
+     * `createSignup().createAccount()` for a new account.
      *
      * @example
      * ```typescript
@@ -374,7 +393,6 @@ declare class DocumentsModule {
      * import fs from 'fs';
      *
      * const doc = await client.documents.upload({
-     *   companyId: 'company-uuid',
      *   file: fs.readFileSync('./policy.pdf'),
      *   fileName: 'GL-2025.pdf',
      *   documentType: 'policy'
@@ -390,8 +408,8 @@ declare class DocumentsModule {
      * @example
      * ```typescript
      * const docs = await client.documents.uploadBatch([
-     *   { companyId, file: buffer1, fileName: 'policy1.pdf' },
-     *   { companyId, file: buffer2, fileName: 'policy2.pdf' }
+     *   { file: buffer1, fileName: 'policy1.pdf' },
+     *   { file: buffer2, fileName: 'policy2.pdf' }
      * ]);
      * ```
      */
@@ -1205,13 +1223,23 @@ interface RotateResult {
     rotationId: string;
     status: 'rotating';
 }
-/** Scopes the server accepts. `appetite:read` and `mcp:*` are opt-in and never implied. */
-type ApiKeyScope = 'read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin';
+/**
+ * Scopes the server accepts. `appetite:read`, `mcp:*` and `claims:write` are
+ * opt-in and never implied. `claims:write` can be created only while signed
+ * in to the portal; an API-key call that asks for it gets a 403.
+ */
+type ApiKeyScope = 'read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin' | 'claims:write';
 declare const API_KEY_SCOPES: readonly ApiKeyScope[];
 interface CreateApiKeyInput {
     name: string;
     scopes: ApiKeyScope[];
-    expiresInDays?: number;
+    /**
+     * Days until the key expires, 1 to 365. Omitted: 90 days. `'never'`: no
+     * expiry, allowed only for a read-only key. A key with `write`, `admin` or
+     * `claims:write` must expire, or the server answers 400
+     * `write_key_requires_expiry`.
+     */
+    expiresInDays?: number | 'never';
 }
 interface ListApiKeysOptions {
     limit?: number;
@@ -1903,6 +1931,29 @@ interface CarrierQuote {
     premium: number | null;
     quoteNumber: string | null;
     bindable: boolean | null;
+    /**
+     * Human-readable limits, e.g. "$1M per occurrence / $2M aggregate" or
+     * "Statutory / $1M employers liability". Null when the carrier sent none.
+     * Absent on older servers.
+     */
+    limits?: string | null;
+    /**
+     * Deductible in dollars; 0 means none. Today only cyber quotes carry one
+     * (the retention); every other line returns null. Absent on older servers.
+     */
+    deductible?: number | null;
+    /**
+     * The carrier result status (`needs_info`, `declined`, `failed`, ...). A
+     * REFERRED quote with `needs_info` is closed: the carrier needs answers.
+     * Absent on older servers.
+     */
+    resultStatus?: string | null;
+    /**
+     * Why the carrier did not price, in the carrier's own words (a decline) or
+     * a plain sentence (needs info, referral). Null otherwise. Absent on older
+     * servers.
+     */
+    message?: string | null;
 }
 interface InstantQuoteStatus {
     submissionId: string;
@@ -1913,6 +1964,8 @@ interface InstantQuoteStatus {
     carrierQuotes: CarrierQuote[];
     allCarriersResolved: boolean;
     awaitingBrokerReviewCount: number;
+    /** When coverage would start, as an ISO date (YYYY-MM-DD). Absent on older servers. */
+    effectiveDate?: string | null;
     /** The newest broker task on this submission; null when none. Absent when the server could not read it. */
     brokerReview?: {
         taskId: string;
@@ -1938,6 +1991,35 @@ interface BrokerHandoffResult {
     unansweredRequired: number;
     alreadyHandedOff: boolean;
 }
+/**
+ * Premium financing at the point of sale. Present only when Delegance has the
+ * lane switched on. Terms are the LENDER's, reported once the insured starts
+ * financing; they are null before that.
+ */
+interface FinancingOffer {
+    available: boolean;
+    availability: 'provider_confirmed' | 'precheck_passed' | 'unavailable';
+    provider: string;
+    lender: string;
+    reason: string | null;
+    /** The portal finance checkout (sign in to the portal to use it). */
+    checkoutUrl: string | null;
+    premiumFinal: boolean;
+    terms: {
+        aprBps: number | null;
+        downPaymentCents: number | null;
+        amountFinancedCents: number | null;
+        financeChargeCents: number | null;
+        installmentCents: number | null;
+        numberOfInstallments: number | null;
+        totalOfPaymentsCents: number | null;
+        agreementUrl: string | null;
+        providerQuoteRef: string | null;
+        providerQuoteStatus: string | null;
+    } | null;
+    applicationStatus: string | null;
+    disclosure: string;
+}
 interface BindRequestResult {
     bindRequestId: string;
     status: string;
@@ -1952,6 +2034,8 @@ interface BindRequestResult {
     reasons?: string[];
     /** Tier A: the carrier's checkout page. The policy is bound only when the carrier confirms. */
     checkoutUrl?: string;
+    /** Point-of-sale premium financing, when offered. */
+    financing?: FinancingOffer;
 }
 /** The first fast-bind call emails a code; send it back with `stepUpId`. */
 interface BindStepUpRequired {
@@ -2221,6 +2305,19 @@ interface CreateAccountResult {
     /** e.g. 'address_not_saved': the account exists but the server could not store part of it. */
     warnings?: string[];
 }
+/** GET /api/v1/legal/terms: what the user is asked to accept. */
+interface TermsInfo {
+    version: string;
+    termsUrl: string;
+    privacyUrl: string;
+    slaUrl: string;
+    /** One-line summaries to show beside the links (the self-directed placement disclosure first). */
+    summaries: string[];
+    brokerReview: {
+        email: string;
+        command: string;
+    };
+}
 interface EnrollResult {
     enrollmentId: string;
     expiresAt: string;
@@ -2245,10 +2342,18 @@ declare class SignupModule {
     createAccount(input: CreateAccountInput, opts?: {
         idempotencyKey?: string;
     }): Promise<CreateAccountResult>;
+    /** The current Terms of Service version and links. Public: no key. */
+    getTerms(): Promise<TermsInfo>;
+    /**
+     * Register this terminal. The server refuses without `termsAccepted: true`
+     * and the CURRENT `termsVersion` (from `getTerms`).
+     */
     enroll(bootstrapKey: string, input: {
         deviceSecretHash: string;
         firstName: string;
         lastName: string;
+        termsAccepted: true;
+        termsVersion: string;
     }): Promise<EnrollResult>;
     requestVerification(bootstrapKey: string): Promise<{
         sentTo?: string;
@@ -2269,6 +2374,27 @@ declare class SignupModule {
     }): Promise<ExchangeResult>;
 }
 
+/**
+ * Terms Module: read and accept the Delegance Terms of Service with a key.
+ *
+ * A v1 bind can require acceptance of the CURRENT version on file for the
+ * key's user. After the Terms change, `accept` records the new version on
+ * that user's profile (the server stamps the time).
+ */
+
+interface TermsAcceptance {
+    version: string;
+    acceptedAt: string;
+}
+declare class TermsModule {
+    private http;
+    constructor(http: HttpClient);
+    /** The current version, the Terms / Privacy / SLA links, and the summaries to show. */
+    get(): Promise<TermsInfo>;
+    /** Accept `version` (it must be the current one; read it with `get`). */
+    accept(version: string): Promise<TermsAcceptance>;
+}
+
 interface PollOptions {
     timeoutMs?: number;
     intervalMs?: number;
@@ -2420,6 +2546,7 @@ declare class DeleganceClient {
     readonly claims: ClaimsModule;
     /** Report a bug, an idea, or a question to Delegance */
     readonly feedback: FeedbackModule;
+    readonly terms: TermsModule;
     /** The calling key: info and refresh */
     readonly auth: AuthModule;
     /**
@@ -2492,4 +2619,4 @@ declare function createDeviceLogin(config?: {
     retries?: number;
 }): DeviceLoginModule;
 
-export { type APIKey, type APIResponse, API_KEY_SCOPES, type ApiKey, type ApiKeyInfo, type ApiKeyScope, ApiKeysModule, type AppetiteJobStatus, type AppetiteMatch, type AppetiteMatchInput, type AppetiteMatchResult, type AppetiteMatchStart, AppetiteModule, AuthModule, AuthenticationError, type BindRequestResult, type BindStepUpRequired, type BondToolResult, BondsModule, type BrokerHandoffQuestions, type BrokerHandoffResult, type COI, COIModule, type CancellationReason, type CancellationRequestInput, type CancellationSignInput, type CancellationSignResult, type CancellationStatus, type Carrier, type CarrierAppetiteResult, type CarrierQuote, type CertificateHolder, type ChatMessage, ChatModule, type ChatOptions, type ChatResponse, type ClaimSummary, ClaimsModule, CompaniesModule, type Company, type CompanySize, CompanySizeSchema, type CreateAPIKeyInput, type CreateAccountInput, type CreateAccountResult, type CreateApiKeyInput, type CreateCompanyInput, CreateCompanySchema, type CreateLeadInput, type CreateLeadResult, type CreatedAPIKey, type CreatedApiKey, DEFAULT_BASE_URL, type DailyUsage, type DailyUsageOptions, DeleganceClient, type DeleganceClientConfig, DeleganceError, DeviceLoginModule, type DeviceLoginPoll, type DeviceLoginStart, type Document, type DocumentFacts, type DocumentStatus, DocumentStatusSchema, type DocumentType, DocumentTypeSchema, type DocumentWithExtraction, DocumentsModule, type EnrollResult, type ExchangeResult, type ExtractedPolicy, FEEDBACK_MESSAGE_MAX, type FastBindInput, type FeedbackContext, FeedbackModule, type FeedbackType, type FileClaimInput, ForbiddenError, type GenerateCOIRequest, type GenerateCOIResponse, type GetPolicyResponse, type GetQuoteResponse, type GetSOVResponse, type IdempotencyOptions, type InstantQuestion, type InstantQuestionOption, type InstantQuoteStatus, InstantQuotesModule, type InstantSession, type InstantSubmitResult, KnowledgeModule, type KnowledgeSearchResult, type LeadAddress, LeadsModule, type ListApiKeysOptions, type ListCOIsResponse, type ListCarriersResponse, type ListCompaniesOptions, type ListDocumentsOptions, type ListNotecardsOptions, type ListPoliciesOptions, type ListPoliciesResponse, type ListQuotesOptions, type ListQuotesResponse, type ListSOVsOptions, type ListSOVsResponse, type MeterUsage, NotFoundError, NotImplementedError, type Notecard, OnboardingModule, type OnboardingNextStep, type OnboardingState, type OnboardingStateData, type OnboardingStatus, type PaginatedResponse, type PaymentRequest, PaymentsModule, PoliciesModule, type Policy, type PolicyCoverage, type Quote, type QuoteRequest, QuotesModule, RateLimitError, type RateLimitStatus, type RotateResult, SDK_VERSION, type SOV, type SOVLocation, SOVModule, type SearchInput, SignupModule, type StartBondQuoteInput, type SubmitFeedbackInput, type SubmitQuoteResponse, type UploadDocumentInput, type UploadSOVRequest, type UploadSOVResponse, UsageModule, type UsageSummary, ValidationError, type WaitForExtractionOptions, type WaitForMatchOptions, createClientFromEnv, createDeviceLogin, createSignup, newDeviceSecret };
+export { type APIKey, type APIResponse, API_KEY_SCOPES, type ApiKey, type ApiKeyInfo, type ApiKeyScope, ApiKeysModule, type AppetiteJobStatus, type AppetiteMatch, type AppetiteMatchInput, type AppetiteMatchResult, type AppetiteMatchStart, AppetiteModule, AuthModule, AuthenticationError, type BindRequestResult, type BindStepUpRequired, type BondToolResult, BondsModule, type BrokerHandoffQuestions, type BrokerHandoffResult, type COI, COIModule, type CancellationReason, type CancellationRequestInput, type CancellationSignInput, type CancellationSignResult, type CancellationStatus, type Carrier, type CarrierAppetiteResult, type CarrierQuote, type CertificateHolder, type ChatMessage, ChatModule, type ChatOptions, type ChatResponse, type ClaimSummary, ClaimsModule, CompaniesModule, type Company, type CompanySize, CompanySizeSchema, type CreateAPIKeyInput, type CreateAccountInput, type CreateAccountResult, type CreateApiKeyInput, type CreateCompanyInput, CreateCompanySchema, type CreateLeadInput, type CreateLeadResult, type CreatedAPIKey, type CreatedApiKey, DEFAULT_BASE_URL, type DailyUsage, type DailyUsageOptions, DeleganceClient, type DeleganceClientConfig, DeleganceError, DeviceLoginModule, type DeviceLoginPoll, type DeviceLoginStart, type Document, type DocumentFacts, type DocumentStatus, DocumentStatusSchema, type DocumentType, DocumentTypeSchema, type DocumentWithExtraction, DocumentsModule, type EnrollResult, type ExchangeResult, type ExtractedPolicy, FEEDBACK_MESSAGE_MAX, type FastBindInput, type FeedbackContext, FeedbackModule, type FeedbackType, type FileClaimInput, type FinancingOffer, ForbiddenError, type GenerateCOIRequest, type GenerateCOIResponse, type GetPolicyResponse, type GetQuoteResponse, type GetSOVResponse, type IdempotencyOptions, type InstantQuestion, type InstantQuestionOption, type InstantQuoteStatus, InstantQuotesModule, type InstantSession, type InstantSubmitResult, KnowledgeModule, type KnowledgeSearchResult, type LeadAddress, LeadsModule, type ListApiKeysOptions, type ListCOIsResponse, type ListCarriersResponse, type ListCompaniesOptions, type ListDocumentsOptions, type ListNotecardsOptions, type ListPoliciesOptions, type ListPoliciesResponse, type ListQuotesOptions, type ListQuotesResponse, type ListSOVsOptions, type ListSOVsResponse, type MeterUsage, NotFoundError, NotImplementedError, type Notecard, OnboardingModule, type OnboardingNextStep, type OnboardingState, type OnboardingStateData, type OnboardingStatus, type PaginatedResponse, type PaymentRequest, PaymentsModule, PoliciesModule, type Policy, type PolicyCoverage, type Quote, type QuoteRequest, QuotesModule, RateLimitError, type RateLimitStatus, type RotateResult, SDK_VERSION, type SOV, type SOVLocation, SOVModule, type SearchInput, SignupModule, type StartBondQuoteInput, type SubmitFeedbackInput, type SubmitQuoteResponse, type TermsAcceptance, type TermsInfo, TermsModule, type UploadDocumentInput, type UploadSOVRequest, type UploadSOVResponse, UsageModule, type UsageSummary, ValidationError, type WaitForExtractionOptions, type WaitForMatchOptions, createClientFromEnv, createDeviceLogin, createSignup, newDeviceSecret };

package/dist/index.d.ts

@@ -107,8 +107,11 @@ declare const DocumentStatusSchema: z.ZodEnum<{
 }>;
 type DocumentStatus = z.infer<typeof DocumentStatusSchema>;
 interface UploadDocumentInput {
-    /** Company ID to associate the document with */
-    companyId: string;
+    /**
+     * Optional. An API key belongs to one company, and the document goes there.
+     * Naming any other company answers 403 with `code: 'company_mismatch'`.
+     */
+    companyId?: string;
     /** File to upload (Buffer, Blob, or base64 string) */
     file: Buffer | Blob | string;
     /** File name */
@@ -168,8 +171,9 @@ interface APIKey {
 }
 interface CreateAPIKeyInput {
     name: string;
-    scopes?: ('read' | 'write' | 'admin')[];
-    expiresInDays?: number;
+    scopes?: ('read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin' | 'claims:write')[];
+    /** 1 to 365, or 'never' for a read-only key. Omitted: 90 days. */
+    expiresInDays?: number | 'never';
 }
 interface CreatedAPIKey extends APIKey {
     /** The full API key - only shown once at creation time */
@@ -181,6 +185,11 @@ declare class DeleganceError extends Error {
     details?: unknown | undefined;
     /** Machine-readable `reason` from the error body, when the server sent one. */
     reason?: string;
+    /**
+     * Machine-readable `code` from the error body, when the server sent one
+     * (e.g. `company_mismatch` on a 403 for a company the key does not own).
+     */
+    code?: string;
     /** The parsed error body, for fields a caller needs (portalUrl, hint). */
     body?: Record<string, unknown>;
     constructor(message: string, statusCode: number, traceId?: string | undefined, details?: unknown | undefined);
@@ -223,7 +232,7 @@ interface RequestOptions {
     isFormData?: boolean;
 }
 /** Kept equal to package.json "version"; a unit test fails on drift. */
-declare const SDK_VERSION = "0.2.0";
+declare const SDK_VERSION = "0.3.0";
 /**
  * Canonical default API origin (WS0/WS1 shared constant, the SDK-package
  * source of truth; the CLI mirror lives in cli/src/utils/config.ts).
@@ -260,14 +269,21 @@ declare class HttpClient {
  */
 
 interface ListCompaniesOptions {
-    /** Include companies created by this API key */
+    /**
+     * @deprecated A customer API key belongs to one company and cannot create
+     * others, so this adds nothing for it.
+     */
     includeCreated?: boolean;
 }
 declare class CompaniesModule {
     private http;
     constructor(http: HttpClient);
     /**
-     * Create a new company
+     * Create a new company.
+     *
+     * @deprecated A customer API key cannot create companies (403
+     * `tenant_key_cannot_create`). To open a new account, use
+     * `createSignup().createAccount()`.
      *
      * @example
      * ```typescript
@@ -282,19 +298,19 @@ declare class CompaniesModule {
      */
     create(input: CreateCompanyInput): Promise<Company>;
     /**
-     * List companies accessible to this API key
+     * List the company this API key belongs to. A key belongs to one company.
      *
      * @example
      * ```typescript
-     * const companies = await client.companies.list();
-     *
-     * // Include companies created via this API key
-     * const allCompanies = await client.companies.list({ includeCreated: true });
+     * const [company] = await client.companies.list();
      * ```
      */
     list(options?: ListCompaniesOptions): Promise<Company[]>;
     /**
-     * Get a company by ID
+     * Get a company by ID.
+     *
+     * @deprecated The server has no `GET /api/v1/companies/{id}` route, so this
+     * returns 404. Use `list()`, which returns the key's own company.
      *
      * @example
      * ```typescript
@@ -303,7 +319,10 @@ declare class CompaniesModule {
      */
     get(companyId: string): Promise<Company>;
     /**
-     * Create a company if it doesn't exist (using externalId for deduplication)
+     * Create a company if it doesn't exist (using externalId for deduplication).
+     *
+     * @deprecated A customer API key cannot create companies. Use
+     * `createSignup().createAccount()` for a new account.
      *
      * @example
      * ```typescript
@@ -374,7 +393,6 @@ declare class DocumentsModule {
      * import fs from 'fs';
      *
      * const doc = await client.documents.upload({
-     *   companyId: 'company-uuid',
      *   file: fs.readFileSync('./policy.pdf'),
      *   fileName: 'GL-2025.pdf',
      *   documentType: 'policy'
@@ -390,8 +408,8 @@ declare class DocumentsModule {
      * @example
      * ```typescript
      * const docs = await client.documents.uploadBatch([
-     *   { companyId, file: buffer1, fileName: 'policy1.pdf' },
-     *   { companyId, file: buffer2, fileName: 'policy2.pdf' }
+     *   { file: buffer1, fileName: 'policy1.pdf' },
+     *   { file: buffer2, fileName: 'policy2.pdf' }
      * ]);
      * ```
      */
@@ -1205,13 +1223,23 @@ interface RotateResult {
     rotationId: string;
     status: 'rotating';
 }
-/** Scopes the server accepts. `appetite:read` and `mcp:*` are opt-in and never implied. */
-type ApiKeyScope = 'read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin';
+/**
+ * Scopes the server accepts. `appetite:read`, `mcp:*` and `claims:write` are
+ * opt-in and never implied. `claims:write` can be created only while signed
+ * in to the portal; an API-key call that asks for it gets a 403.
+ */
+type ApiKeyScope = 'read' | 'write' | 'admin' | 'appetite:read' | 'mcp:read' | 'mcp:orin' | 'claims:write';
 declare const API_KEY_SCOPES: readonly ApiKeyScope[];
 interface CreateApiKeyInput {
     name: string;
     scopes: ApiKeyScope[];
-    expiresInDays?: number;
+    /**
+     * Days until the key expires, 1 to 365. Omitted: 90 days. `'never'`: no
+     * expiry, allowed only for a read-only key. A key with `write`, `admin` or
+     * `claims:write` must expire, or the server answers 400
+     * `write_key_requires_expiry`.
+     */
+    expiresInDays?: number | 'never';
 }
 interface ListApiKeysOptions {
     limit?: number;
@@ -1903,6 +1931,29 @@ interface CarrierQuote {
     premium: number | null;
     quoteNumber: string | null;
     bindable: boolean | null;
+    /**
+     * Human-readable limits, e.g. "$1M per occurrence / $2M aggregate" or
+     * "Statutory / $1M employers liability". Null when the carrier sent none.
+     * Absent on older servers.
+     */
+    limits?: string | null;
+    /**
+     * Deductible in dollars; 0 means none. Today only cyber quotes carry one
+     * (the retention); every other line returns null. Absent on older servers.
+     */
+    deductible?: number | null;
+    /**
+     * The carrier result status (`needs_info`, `declined`, `failed`, ...). A
+     * REFERRED quote with `needs_info` is closed: the carrier needs answers.
+     * Absent on older servers.
+     */
+    resultStatus?: string | null;
+    /**
+     * Why the carrier did not price, in the carrier's own words (a decline) or
+     * a plain sentence (needs info, referral). Null otherwise. Absent on older
+     * servers.
+     */
+    message?: string | null;
 }
 interface InstantQuoteStatus {
     submissionId: string;
@@ -1913,6 +1964,8 @@ interface InstantQuoteStatus {
     carrierQuotes: CarrierQuote[];
     allCarriersResolved: boolean;
     awaitingBrokerReviewCount: number;
+    /** When coverage would start, as an ISO date (YYYY-MM-DD). Absent on older servers. */
+    effectiveDate?: string | null;
     /** The newest broker task on this submission; null when none. Absent when the server could not read it. */
     brokerReview?: {
         taskId: string;
@@ -1938,6 +1991,35 @@ interface BrokerHandoffResult {
     unansweredRequired: number;
     alreadyHandedOff: boolean;
 }
+/**
+ * Premium financing at the point of sale. Present only when Delegance has the
+ * lane switched on. Terms are the LENDER's, reported once the insured starts
+ * financing; they are null before that.
+ */
+interface FinancingOffer {
+    available: boolean;
+    availability: 'provider_confirmed' | 'precheck_passed' | 'unavailable';
+    provider: string;
+    lender: string;
+    reason: string | null;
+    /** The portal finance checkout (sign in to the portal to use it). */
+    checkoutUrl: string | null;
+    premiumFinal: boolean;
+    terms: {
+        aprBps: number | null;
+        downPaymentCents: number | null;
+        amountFinancedCents: number | null;
+        financeChargeCents: number | null;
+        installmentCents: number | null;
+        numberOfInstallments: number | null;
+        totalOfPaymentsCents: number | null;
+        agreementUrl: string | null;
+        providerQuoteRef: string | null;
+        providerQuoteStatus: string | null;
+    } | null;
+    applicationStatus: string | null;
+    disclosure: string;
+}
 interface BindRequestResult {
     bindRequestId: string;
     status: string;
@@ -1952,6 +2034,8 @@ interface BindRequestResult {
     reasons?: string[];
     /** Tier A: the carrier's checkout page. The policy is bound only when the carrier confirms. */
     checkoutUrl?: string;
+    /** Point-of-sale premium financing, when offered. */
+    financing?: FinancingOffer;
 }
 /** The first fast-bind call emails a code; send it back with `stepUpId`. */
 interface BindStepUpRequired {
@@ -2221,6 +2305,19 @@ interface CreateAccountResult {
     /** e.g. 'address_not_saved': the account exists but the server could not store part of it. */
     warnings?: string[];
 }
+/** GET /api/v1/legal/terms: what the user is asked to accept. */
+interface TermsInfo {
+    version: string;
+    termsUrl: string;
+    privacyUrl: string;
+    slaUrl: string;
+    /** One-line summaries to show beside the links (the self-directed placement disclosure first). */
+    summaries: string[];
+    brokerReview: {
+        email: string;
+        command: string;
+    };
+}
 interface EnrollResult {
     enrollmentId: string;
     expiresAt: string;
@@ -2245,10 +2342,18 @@ declare class SignupModule {
     createAccount(input: CreateAccountInput, opts?: {
         idempotencyKey?: string;
     }): Promise<CreateAccountResult>;
+    /** The current Terms of Service version and links. Public: no key. */
+    getTerms(): Promise<TermsInfo>;
+    /**
+     * Register this terminal. The server refuses without `termsAccepted: true`
+     * and the CURRENT `termsVersion` (from `getTerms`).
+     */
     enroll(bootstrapKey: string, input: {
         deviceSecretHash: string;
         firstName: string;
         lastName: string;
+        termsAccepted: true;
+        termsVersion: string;
     }): Promise<EnrollResult>;
     requestVerification(bootstrapKey: string): Promise<{
         sentTo?: string;
@@ -2269,6 +2374,27 @@ declare class SignupModule {
     }): Promise<ExchangeResult>;
 }
 
+/**
+ * Terms Module: read and accept the Delegance Terms of Service with a key.
+ *
+ * A v1 bind can require acceptance of the CURRENT version on file for the
+ * key's user. After the Terms change, `accept` records the new version on
+ * that user's profile (the server stamps the time).
+ */
+
+interface TermsAcceptance {
+    version: string;
+    acceptedAt: string;
+}
+declare class TermsModule {
+    private http;
+    constructor(http: HttpClient);
+    /** The current version, the Terms / Privacy / SLA links, and the summaries to show. */
+    get(): Promise<TermsInfo>;
+    /** Accept `version` (it must be the current one; read it with `get`). */
+    accept(version: string): Promise<TermsAcceptance>;
+}
+
 interface PollOptions {
     timeoutMs?: number;
     intervalMs?: number;
@@ -2420,6 +2546,7 @@ declare class DeleganceClient {
     readonly claims: ClaimsModule;
     /** Report a bug, an idea, or a question to Delegance */
     readonly feedback: FeedbackModule;
+    readonly terms: TermsModule;
     /** The calling key: info and refresh */
     readonly auth: AuthModule;
     /**
@@ -2492,4 +2619,4 @@ declare function createDeviceLogin(config?: {
     retries?: number;
 }): DeviceLoginModule;
 
-export { type APIKey, type APIResponse, API_KEY_SCOPES, type ApiKey, type ApiKeyInfo, type ApiKeyScope, ApiKeysModule, type AppetiteJobStatus, type AppetiteMatch, type AppetiteMatchInput, type AppetiteMatchResult, type AppetiteMatchStart, AppetiteModule, AuthModule, AuthenticationError, type BindRequestResult, type BindStepUpRequired, type BondToolResult, BondsModule, type BrokerHandoffQuestions, type BrokerHandoffResult, type COI, COIModule, type CancellationReason, type CancellationRequestInput, type CancellationSignInput, type CancellationSignResult, type CancellationStatus, type Carrier, type CarrierAppetiteResult, type CarrierQuote, type CertificateHolder, type ChatMessage, ChatModule, type ChatOptions, type ChatResponse, type ClaimSummary, ClaimsModule, CompaniesModule, type Company, type CompanySize, CompanySizeSchema, type CreateAPIKeyInput, type CreateAccountInput, type CreateAccountResult, type CreateApiKeyInput, type CreateCompanyInput, CreateCompanySchema, type CreateLeadInput, type CreateLeadResult, type CreatedAPIKey, type CreatedApiKey, DEFAULT_BASE_URL, type DailyUsage, type DailyUsageOptions, DeleganceClient, type DeleganceClientConfig, DeleganceError, DeviceLoginModule, type DeviceLoginPoll, type DeviceLoginStart, type Document, type DocumentFacts, type DocumentStatus, DocumentStatusSchema, type DocumentType, DocumentTypeSchema, type DocumentWithExtraction, DocumentsModule, type EnrollResult, type ExchangeResult, type ExtractedPolicy, FEEDBACK_MESSAGE_MAX, type FastBindInput, type FeedbackContext, FeedbackModule, type FeedbackType, type FileClaimInput, ForbiddenError, type GenerateCOIRequest, type GenerateCOIResponse, type GetPolicyResponse, type GetQuoteResponse, type GetSOVResponse, type IdempotencyOptions, type InstantQuestion, type InstantQuestionOption, type InstantQuoteStatus, InstantQuotesModule, type InstantSession, type InstantSubmitResult, KnowledgeModule, type KnowledgeSearchResult, type LeadAddress, LeadsModule, type ListApiKeysOptions, type ListCOIsResponse, type ListCarriersResponse, type ListCompaniesOptions, type ListDocumentsOptions, type ListNotecardsOptions, type ListPoliciesOptions, type ListPoliciesResponse, type ListQuotesOptions, type ListQuotesResponse, type ListSOVsOptions, type ListSOVsResponse, type MeterUsage, NotFoundError, NotImplementedError, type Notecard, OnboardingModule, type OnboardingNextStep, type OnboardingState, type OnboardingStateData, type OnboardingStatus, type PaginatedResponse, type PaymentRequest, PaymentsModule, PoliciesModule, type Policy, type PolicyCoverage, type Quote, type QuoteRequest, QuotesModule, RateLimitError, type RateLimitStatus, type RotateResult, SDK_VERSION, type SOV, type SOVLocation, SOVModule, type SearchInput, SignupModule, type StartBondQuoteInput, type SubmitFeedbackInput, type SubmitQuoteResponse, type UploadDocumentInput, type UploadSOVRequest, type UploadSOVResponse, UsageModule, type UsageSummary, ValidationError, type WaitForExtractionOptions, type WaitForMatchOptions, createClientFromEnv, createDeviceLogin, createSignup, newDeviceSecret };
+export { type APIKey, type APIResponse, API_KEY_SCOPES, type ApiKey, type ApiKeyInfo, type ApiKeyScope, ApiKeysModule, type AppetiteJobStatus, type AppetiteMatch, type AppetiteMatchInput, type AppetiteMatchResult, type AppetiteMatchStart, AppetiteModule, AuthModule, AuthenticationError, type BindRequestResult, type BindStepUpRequired, type BondToolResult, BondsModule, type BrokerHandoffQuestions, type BrokerHandoffResult, type COI, COIModule, type CancellationReason, type CancellationRequestInput, type CancellationSignInput, type CancellationSignResult, type CancellationStatus, type Carrier, type CarrierAppetiteResult, type CarrierQuote, type CertificateHolder, type ChatMessage, ChatModule, type ChatOptions, type ChatResponse, type ClaimSummary, ClaimsModule, CompaniesModule, type Company, type CompanySize, CompanySizeSchema, type CreateAPIKeyInput, type CreateAccountInput, type CreateAccountResult, type CreateApiKeyInput, type CreateCompanyInput, CreateCompanySchema, type CreateLeadInput, type CreateLeadResult, type CreatedAPIKey, type CreatedApiKey, DEFAULT_BASE_URL, type DailyUsage, type DailyUsageOptions, DeleganceClient, type DeleganceClientConfig, DeleganceError, DeviceLoginModule, type DeviceLoginPoll, type DeviceLoginStart, type Document, type DocumentFacts, type DocumentStatus, DocumentStatusSchema, type DocumentType, DocumentTypeSchema, type DocumentWithExtraction, DocumentsModule, type EnrollResult, type ExchangeResult, type ExtractedPolicy, FEEDBACK_MESSAGE_MAX, type FastBindInput, type FeedbackContext, FeedbackModule, type FeedbackType, type FileClaimInput, type FinancingOffer, ForbiddenError, type GenerateCOIRequest, type GenerateCOIResponse, type GetPolicyResponse, type GetQuoteResponse, type GetSOVResponse, type IdempotencyOptions, type InstantQuestion, type InstantQuestionOption, type InstantQuoteStatus, InstantQuotesModule, type InstantSession, type InstantSubmitResult, KnowledgeModule, type KnowledgeSearchResult, type LeadAddress, LeadsModule, type ListApiKeysOptions, type ListCOIsResponse, type ListCarriersResponse, type ListCompaniesOptions, type ListDocumentsOptions, type ListNotecardsOptions, type ListPoliciesOptions, type ListPoliciesResponse, type ListQuotesOptions, type ListQuotesResponse, type ListSOVsOptions, type ListSOVsResponse, type MeterUsage, NotFoundError, NotImplementedError, type Notecard, OnboardingModule, type OnboardingNextStep, type OnboardingState, type OnboardingStateData, type OnboardingStatus, type PaginatedResponse, type PaymentRequest, PaymentsModule, PoliciesModule, type Policy, type PolicyCoverage, type Quote, type QuoteRequest, QuotesModule, RateLimitError, type RateLimitStatus, type RotateResult, SDK_VERSION, type SOV, type SOVLocation, SOVModule, type SearchInput, SignupModule, type StartBondQuoteInput, type SubmitFeedbackInput, type SubmitQuoteResponse, type TermsAcceptance, type TermsInfo, TermsModule, type UploadDocumentInput, type UploadSOVRequest, type UploadSOVResponse, UsageModule, type UsageSummary, ValidationError, type WaitForExtractionOptions, type WaitForMatchOptions, createClientFromEnv, createDeviceLogin, createSignup, newDeviceSecret };