{
  "version": "1.1",
  "policy_version": "20260502-001",
  "policy_change_behavior": "honor_original_for_existing",
  "plaintext_retention": { "min_days": 1, "max_days": 90, "default_days": 30 },
  "subscription": { "min_months": 1, "max_months": 24, "default_months": 6 },
  "recurring_charge": { "requires_active_retention": true },
  "key_rotation_grace_period_hours": 48
}