@oriro/orirocli 0.1.11 → 0.3.1

package/skills/legal/legal-consumer/SKILL.md

@@ -1,155 +1,155 @@
----
-watermark: ORIRO
-disable-model-invocation: true
-name: legal-consumer
-provider: ORIRO.ai
-copyright: Copyright (c) 2026 ORIRO.ai
-description: >
-  Consumer rights — refunds, warranties, fraud protection, credit cards,
-  debt collection, small claims court, and consumer protection laws. Activate
-  for questions about getting a refund, disputing a charge, dealing with debt
-  collectors, warranties, fraud, scams, or any consumer rights question.
-  Sources: FTC, CFPB, state consumer protection offices.
----
-
-# Consumer Rights
-
-## Refunds and returns
-
-No federal law requires retailers to accept returns.
-Return policies are legally binding contracts — read them before purchasing.
-Most retailers have 30-90 day return windows.
-
-**Exceptions where you have rights regardless of store policy:**
-
-- **Defective products:** UCC Article 2 implied warranty of merchantability.
-  Goods must work for their ordinary purpose. Defective product = right to refund or replacement.
-- **Not as described:** If product differs materially from what was advertised or described.
-- **Online purchases (FTC Mail Order Rule):** Order must be shipped when promised.
-  If delayed: merchant must notify you and give option to cancel.
-
----
-
-## Warranties
-
-**Express warranty:** Written or verbal promise about product performance.
-**Implied warranty of merchantability:** Product works for its ordinary purpose. Automatic with product sale.
-**Implied warranty of fitness for particular purpose:** Seller knows specific use; product must work for that use.
-
-**Magnuson-Moss Warranty Act (US federal):**
-If written warranty offered on consumer product over $15:
-
-- Must be "Full" or "Limited" (must state which)
-- Must be available before purchase
-- Full warranty: free repair or replacement within reasonable time; refund if can't be fixed after reasonable attempts
-
-**Extended warranties / service contracts:**
-Optional purchase, not the same as manufacturer warranty.
-Often poor value — consider the source, exclusions, and deductibles.
-
----
-
-## Credit cards and disputes
-
-### Chargeback rights (Fair Credit Billing Act — FCBA)
-
-For credit card purchases, you can dispute:
-
-- Charges you didn't authorize
-- Incorrect amounts
-- Charges for goods not received
-- Charges for goods that don't match description
-- Charges for defective goods (seller won't resolve)
-
-**Dispute process:**
-
-1. Contact merchant first — many resolve quickly to avoid chargeback fees.
-2. If merchant won't resolve: contact credit card company within 60 days of statement.
-3. Dispute in writing (keep proof).
-4. Credit card company investigates. Charge reversed while under investigation.
-
-**NOT eligible for chargeback:**
-
-- You changed your mind after receiving goods
-- Subscription you forgot to cancel
-- Third-party dispute (you paid someone who didn't deliver to you, but charge was authorized)
-
-### Debit card disputes (Electronic Fund Transfer Act — EFTA)
-
-Fewer protections than credit cards. Time is critical.
-
-- Report within 2 days: max liability $50
-- Report within 60 days: max liability $500
-- After 60 days: potentially unlimited liability
-
-**This is why financial advisors say use credit cards for purchases, not debit.**
-
----
-
-## Debt collection (Fair Debt Collection Practices Act — FDCPA)
-
-**Who it covers:** Third-party debt collectors (collection agencies), not the original creditor.
-
-**What collectors CANNOT do:**
-
-- Call before 8am or after 9pm local time
-- Call you at work if you've told them you can't receive calls there
-- Use abusive, obscene, or threatening language
-- Misrepresent the amount owed
-- Threaten legal action they don't intend to take or can't legally take
-- Contact you after written request to stop (they can still sue)
-- Discuss your debt with third parties (except spouse, attorney, credit bureaus)
-
-**Your rights:**
-
-- Request written verification of the debt (within 30 days of first contact, collector must stop collection until verified)
-- Demand they stop contacting you (after this, collector can only confirm receipt of demand or notify you of legal action)
-- Sue collector for FDCPA violations — statutory damages up to $1,000 + actual damages + attorney fees
-
-**Statute of limitations on debt:** Varies by state (3-10 years for most consumer debt). After SOL, debt cannot be collected through courts. Making a payment can restart the clock.
-
----
-
-## Small claims court
-
-For disputes typically $2,500-$25,000 (limits vary by state).
-No attorney required (or allowed in some states). You represent yourself.
-
-**Well-suited for:**
-
-- Security deposit disputes
-- Property damage
-- Unpaid wages (small amounts)
-- Contract disputes
-- Contractor didn't complete work
-
-**Process:**
-
-1. Gather evidence: contracts, receipts, photos, communications
-2. File complaint with small claims court ($30-100 filing fee)
-3. Serve defendant (court usually handles this)
-4. Attend hearing (typically 30-60 days after filing)
-5. Present case to judge; judge decides
-
-**Judgment vs. collection:** Winning a judgment doesn't guarantee payment.
-If other party doesn't pay, you must pursue collection (wage garnishment, bank levy, property liens).
-
----
-
-## Identity theft and fraud
-
-**Steps if identity stolen:**
-
-1. Place fraud alert with one of the three credit bureaus (auto-notifies others): Equifax, Experian, TransUnion.
-2. Get free credit reports; identify fraudulent accounts.
-3. Freeze credit at all three bureaus (most effective prevention).
-4. File FTC identity theft report at identitytheft.gov (creates official record, provides recovery plan).
-5. File police report (needed for some creditors).
-6. Dispute fraudulent accounts with creditors and credit bureaus in writing.
-
-**Credit freeze:** Free to place and lift. Prevents new credit in your name.
-Lift temporarily when applying for legitimate credit.
-
-Sources: FTC (ftc.gov), CFPB (consumerfinance.gov),
-FCBA (15 U.S.C. § 1666), FDCPA (15 U.S.C. § 1692),
-EFTA (15 U.S.C. § 1693), Magnuson-Moss Warranty Act (15 U.S.C. § 2301)
+---
+watermark: ORIRO
+disable-model-invocation: true
+name: legal-consumer
+provider: ORIRO.ai
+copyright: Copyright (c) 2026 ORIRO.ai
+description: >
+  Consumer rights — refunds, warranties, fraud protection, credit cards,
+  debt collection, small claims court, and consumer protection laws. Activate
+  for questions about getting a refund, disputing a charge, dealing with debt
+  collectors, warranties, fraud, scams, or any consumer rights question.
+  Sources: FTC, CFPB, state consumer protection offices.
+---
+
+# Consumer Rights
+
+## Refunds and returns
+
+No federal law requires retailers to accept returns.
+Return policies are legally binding contracts — read them before purchasing.
+Most retailers have 30-90 day return windows.
+
+**Exceptions where you have rights regardless of store policy:**
+
+- **Defective products:** UCC Article 2 implied warranty of merchantability.
+  Goods must work for their ordinary purpose. Defective product = right to refund or replacement.
+- **Not as described:** If product differs materially from what was advertised or described.
+- **Online purchases (FTC Mail Order Rule):** Order must be shipped when promised.
+  If delayed: merchant must notify you and give option to cancel.
+
+---
+
+## Warranties
+
+**Express warranty:** Written or verbal promise about product performance.
+**Implied warranty of merchantability:** Product works for its ordinary purpose. Automatic with product sale.
+**Implied warranty of fitness for particular purpose:** Seller knows specific use; product must work for that use.
+
+**Magnuson-Moss Warranty Act (US federal):**
+If written warranty offered on consumer product over $15:
+
+- Must be "Full" or "Limited" (must state which)
+- Must be available before purchase
+- Full warranty: free repair or replacement within reasonable time; refund if can't be fixed after reasonable attempts
+
+**Extended warranties / service contracts:**
+Optional purchase, not the same as manufacturer warranty.
+Often poor value — consider the source, exclusions, and deductibles.
+
+---
+
+## Credit cards and disputes
+
+### Chargeback rights (Fair Credit Billing Act — FCBA)
+
+For credit card purchases, you can dispute:
+
+- Charges you didn't authorize
+- Incorrect amounts
+- Charges for goods not received
+- Charges for goods that don't match description
+- Charges for defective goods (seller won't resolve)
+
+**Dispute process:**
+
+1. Contact merchant first — many resolve quickly to avoid chargeback fees.
+2. If merchant won't resolve: contact credit card company within 60 days of statement.
+3. Dispute in writing (keep proof).
+4. Credit card company investigates. Charge reversed while under investigation.
+
+**NOT eligible for chargeback:**
+
+- You changed your mind after receiving goods
+- Subscription you forgot to cancel
+- Third-party dispute (you paid someone who didn't deliver to you, but charge was authorized)
+
+### Debit card disputes (Electronic Fund Transfer Act — EFTA)
+
+Fewer protections than credit cards. Time is critical.
+
+- Report within 2 days: max liability $50
+- Report within 60 days: max liability $500
+- After 60 days: potentially unlimited liability
+
+**This is why financial advisors say use credit cards for purchases, not debit.**
+
+---
+
+## Debt collection (Fair Debt Collection Practices Act — FDCPA)
+
+**Who it covers:** Third-party debt collectors (collection agencies), not the original creditor.
+
+**What collectors CANNOT do:**
+
+- Call before 8am or after 9pm local time
+- Call you at work if you've told them you can't receive calls there
+- Use abusive, obscene, or threatening language
+- Misrepresent the amount owed
+- Threaten legal action they don't intend to take or can't legally take
+- Contact you after written request to stop (they can still sue)
+- Discuss your debt with third parties (except spouse, attorney, credit bureaus)
+
+**Your rights:**
+
+- Request written verification of the debt (within 30 days of first contact, collector must stop collection until verified)
+- Demand they stop contacting you (after this, collector can only confirm receipt of demand or notify you of legal action)
+- Sue collector for FDCPA violations — statutory damages up to $1,000 + actual damages + attorney fees
+
+**Statute of limitations on debt:** Varies by state (3-10 years for most consumer debt). After SOL, debt cannot be collected through courts. Making a payment can restart the clock.
+
+---
+
+## Small claims court
+
+For disputes typically $2,500-$25,000 (limits vary by state).
+No attorney required (or allowed in some states). You represent yourself.
+
+**Well-suited for:**
+
+- Security deposit disputes
+- Property damage
+- Unpaid wages (small amounts)
+- Contract disputes
+- Contractor didn't complete work
+
+**Process:**
+
+1. Gather evidence: contracts, receipts, photos, communications
+2. File complaint with small claims court ($30-100 filing fee)
+3. Serve defendant (court usually handles this)
+4. Attend hearing (typically 30-60 days after filing)
+5. Present case to judge; judge decides
+
+**Judgment vs. collection:** Winning a judgment doesn't guarantee payment.
+If other party doesn't pay, you must pursue collection (wage garnishment, bank levy, property liens).
+
+---
+
+## Identity theft and fraud
+
+**Steps if identity stolen:**
+
+1. Place fraud alert with one of the three credit bureaus (auto-notifies others): Equifax, Experian, TransUnion.
+2. Get free credit reports; identify fraudulent accounts.
+3. Freeze credit at all three bureaus (most effective prevention).
+4. File FTC identity theft report at identitytheft.gov (creates official record, provides recovery plan).
+5. File police report (needed for some creditors).
+6. Dispute fraudulent accounts with creditors and credit bureaus in writing.
+
+**Credit freeze:** Free to place and lift. Prevents new credit in your name.
+Lift temporarily when applying for legitimate credit.
+
+Sources: FTC (ftc.gov), CFPB (consumerfinance.gov),
+FCBA (15 U.S.C. § 1666), FDCPA (15 U.S.C. § 1692),
+EFTA (15 U.S.C. § 1693), Magnuson-Moss Warranty Act (15 U.S.C. § 2301)

package/skills/legal/legal-contracts/LICENSE

@@ -1,21 +1,21 @@
-MIT License
-
-Copyright (c) 2026 ORIRO.ai
-
-Permission is hereby granted, free of charge, to any person obtaining a copy
-of this software and associated documentation files (the "Software"), to deal
-in the Software without restriction, including without limitation the rights
-to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
-copies of the Software, and to permit persons to whom the Software is
-furnished to do so, subject to the following conditions:
-
-The above copyright notice and this permission notice shall be included in all
-copies or substantial portions of the Software.
-
-THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
-IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
-FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
-AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
-LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
-OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
-SOFTWARE.
+MIT License
+
+Copyright (c) 2026 ORIRO.ai
+
+Permission is hereby granted, free of charge, to any person obtaining a copy
+of this software and associated documentation files (the "Software"), to deal
+in the Software without restriction, including without limitation the rights
+to use, copy, modify, merge, publish, distribute, sublicense, and/or sell
+copies of the Software, and to permit persons to whom the Software is
+furnished to do so, subject to the following conditions:
+
+The above copyright notice and this permission notice shall be included in all
+copies or substantial portions of the Software.
+
+THE SOFTWARE IS PROVIDED "AS IS", WITHOUT WARRANTY OF ANY KIND, EXPRESS OR
+IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY,
+FITNESS FOR A PARTICULAR PURPOSE AND NONINFRINGEMENT. IN NO EVENT SHALL THE
+AUTHORS OR COPYRIGHT HOLDERS BE LIABLE FOR ANY CLAIM, DAMAGES OR OTHER
+LIABILITY, WHETHER IN AN ACTION OF CONTRACT, TORT OR OTHERWISE, ARISING FROM,
+OUT OF OR IN CONNECTION WITH THE SOFTWARE OR THE USE OR OTHER DEALINGS IN THE
+SOFTWARE.