BLIA — Bank Product Terms

Use this first when the user asks about Canadian bank accounts (currently chequing at the banks listed in coverage), or which accounts a bank offers. Returns every product in BLIA's snapshot with its product_slug, its variants (customer groups such as seniors, each with its eligibility note), the attributes published, and completeness. coverage says what BLIA does and does not cover; an empty result always says why. Filters combine. Pages hold up to 50 products; pass next_cursor as cursor for the next page (null on the last). Free tier: published values only -- no source citation, provenance tier or corroboration status. Not for fees or rules: take a product_slug from here to get_product_terms or compare_products.

Use this when the user asks about one account's fees, included transactions, minimum balance, fee waiver conditions, e-transfer or ATM costs, or deposit insurance. Returns each published term with its value and effective date; a rule comes with its plain-language summary AND its logic (default outcome plus conditions with thresholds, e.g. the balance that waives the monthly fee). Says which customer-group variant was used, which others exist, which questions the terms answer (answerability) and exactly what is not published (before_acting). cohort, province and channel pick the variant (defaults current, ALL and any, echoed in defaults_applied; cohort ignores case and punctuation, so "Senior 60+" finds senior_60_plus). If none matches, no_variant_matched lists available_cohorts: a problem with the query, not missing data. An unknown product_slug returns an error naming the nearest published slugs. not_published and unresolved mean unknown, never zero. Free tier: no source quote, content hash, provenance tier or corroboration status. For several accounts side by side use compare_products; for perks or welcome offers across accounts use list_benefits or list_offers. BLIA holds one current snapshot, so it cannot say what a fee was or will be.

Use this when the user wants to compare accounts, within one bank or across banks. One call returns, for each product: monthly fee, annual fee before waivers, included transactions (checked against monthly_transactions if given), minimum balance, NSF fee, the fee-waiver conditions (summary and logic), e-transfer and ATM terms, and what is missing -- plus a ranking by monthly fee with the annual difference to the lowest. It never applies a waiver to the customer's balances: it gives the conditions so they can be checked. Products whose fee BLIA has not published are listed as not_ranked, never ranked as free. The ranking uses published monthly fee and nothing else: monthly_transactions adds a separate ranking_at_usage and the included-transactions check, and never changes ranking_by_monthly_fee. For one account's complete terms and rule logic use get_product_terms.

Use this when the user asks which accounts have a welcome or sign-up offer, what an offer gives, or what they must do to get it. Returns each recorded offer with what you get (cash and any non-cash part, e.g. a membership), the qualifying conditions (each as a plain sentence), conditions_status, and the end date or that none is stated. conditions_status not_recorded means the conditions are unknown, never that there are none. A product with no recorded offer may still have one: say BLIA records none. Both filters are optional; omit them for every recorded offer. Welcome offers only, which end; ongoing plan perks are in list_benefits, and fees and waiver rules in get_product_terms.

Use this when the user asks which accounts include a perk or benefit -- a credit card annual fee rebate, a safe deposit box, free drafts or cheques, rewards points, a borrowing rate discount. With benefit set, returns includes / does_not_include / not_recorded across products; without it, every tracked benefit per product. not_recorded is unknown, never 'not included'. A benefit with basis 'bank_default' is the bank's standard terms for all accounts (no product-specific benefit recorded): say so rather than calling it a feature of the plan. An unknown benefit name returns an error listing the benefits BLIA tracks. Ongoing perks only; welcome offers are in list_offers, and fees and waiver rules in get_product_terms.