{
  "protocolVersion": "0.3.0",
  "name": "Home Loan Broker Ballarat Assistant",
  "description": "Enquiry-routing agent card for Home Loan Broker Ballarat, a mortgage and home-loan broker serving Ballarat and regional Victoria, AU. Advertises that the business takes enquiries and how to reach a human. It does NOT provide credit advice, loan amounts, interest rates, or eligibility decisions - those require a licensed broker. This is a static discovery card with no automated JSON-RPC endpoint; all actions hand back to a human via the contact form or phone.",
  "version": "1.0.0",
  "url": "https://www.ballarathomeloanbroker.com.au/#contact",
  "provider": {
    "organization": "Home Loan Broker Ballarat",
    "url": "https://www.ballarathomeloanbroker.com.au/"
  },
  "capabilities": {
    "streaming": false,
    "pushNotifications": false,
    "stateTransitionHistory": false
  },
  "defaultInputModes": ["text/plain", "application/json"],
  "defaultOutputModes": ["text/plain", "application/json"],
  "skills": [
    {
      "id": "request-broker-callback",
      "name": "Request Broker Callback",
      "description": "Routes a home-loan enquiry to a licensed human broker for follow-up. Collects name, phone, and a free-text enquiry, then hands back to the contact form or phone. Does NOT return quotes, rates, loan amounts, borrowing capacity, or eligibility - a mortgage broker is regulated under Australian credit law and all advice is given by a person after assessment.",
      "tags": ["mortgage", "home-loan", "broker", "ballarat", "victoria", "enquiry", "callback"],
      "examples": [
        "I'm a first home buyer in Ballarat - can someone call me about home loans?",
        "Looking to refinance my mortgage in Ballarat, please have a broker contact me."
      ],
      "inputModes": ["application/json", "text/plain"],
      "outputModes": ["text/plain"]
    }
  ],
  "x-handback": {
    "bookingUrl": "https://www.ballarathomeloanbroker.com.au/#contact",
    "phone": "+61 3 4052 3863",
    "email": "loans@ballarathomeloanbroker.com.au"
  },
  "x-compliance": {
    "noAutomatedAdvice": true,
    "disclaimer": "This agent interface provides no credit advice, quotes, rates, or eligibility. All home-loan advice is provided by a licensed human broker after a personal assessment."
  }
}