# ============================================================
# FinGuard Policy: retail_banking
# ============================================================
# For retail banking chatbots handling balance, statements, FDs.
# Full PII detection + injection blocking. No topic restrictions.
# Intended for: Branch chatbots, net banking assistants, UPI bots.
# ============================================================

policy_id: retail_banking
risk_level: medium

pii:
  enabled: true
  locale_packs: []             # Finance base is enough for retail

injection:
  enabled: true
  threshold: 1.0

output:
  on_fail: block

audit:
  backend: memory
  emit_traces: true

tools:
  enabled: true
  allowed: []
  blocked: ["execute_code", "write_db", "delete_record"]
  max_calls_per_session: 20
