/**
 * Curated Indian-law seed data for CourtMitra MissionOS Phase 1 legal grounding.
 * Sources: Consumer Protection Act 2019, E-Commerce Rules 2020, RBI IOS 2021,
 *          RBI Customer Liability Circular 2017, NPCI UPI Guidelines,
 *          IT Act 2000, Bharatiya Nyaya Sanhita 2023, MHA Cybercrime.
 *
 * Text excerpts are verbatim short passages from publicly published Indian statutes
 * (fair-use / public domain). Each chunk must be substantive (2–6 sentences).
 */

export interface SourceSeedData {
  sourceType: string;
  title: string;
  tier: string;
  jurisdiction: string;
  authority: string;
  canonicalUrl: string;
  versionLabel: string;
  effectiveFrom: string; // ISO date string
  metadata: Record<string, string>;
}

export interface ChunkSeedData {
  chunkNo: number;
  actName: string;
  sectionNo: string;
  heading: string;
  text: string;
  metadata: Record<string, string>;
}

export interface LegalSeedEntry {
  source: SourceSeedData;
  chunks: ChunkSeedData[];
}

// ============================================================================
// CONSUMER DOMAIN
// ============================================================================

const consumerProtectionAct2019: LegalSeedEntry = {
  source: {
    sourceType: "act",
    title: "Consumer Protection Act, 2019",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Department of Consumer Affairs",
    canonicalUrl:
      "https://consumeraffairs.nic.in/sites/default/files/CP-Act-2019.pdf",
    versionLabel: "2019 (as enacted)",
    effectiveFrom: "2019-07-20",
    metadata: { issue_domain: "consumer" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "2(7)",
      heading: "Definition of Consumer",
      text: 'Section 2(7): "consumer" means any person who— (i) buys any goods for a consideration which has been paid or promised or partly paid and partly promised, or under any system of deferred payment and includes any user of such goods other than the person who buys such goods for consideration paid or promised or partly paid or partly promised, or under any system of deferred payment, when such use is made with the approval of such person, but does not include a person who obtains such goods for resale or for any commercial purpose; or (ii) hires or avails of any service for a consideration which has been paid or promised or partly paid and partly promised, or under any system of deferred payment and includes any beneficiary of such service other than the person who hires or avails of the service for consideration paid or promised, or partly paid and partly promised, or under any system of deferred payment, when such services are availed of with the approval of the first-mentioned person, but does not include a person who avails of such service for any commercial purpose. Explanation— For the purposes of this clause, "commercial purpose" does not include use by a person of goods bought and used by him and services availed by him exclusively for the purposes of earning his livelihood by means of self-employment.',
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 2,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "2(34)",
      heading: "Definition of Service",
      text: 'Section 2(34): "service" means service of any description which is made available to potential users and includes, but not limited to, the provision of facilities in connection with banking, financing, insurance, transport, processing, supply of electrical or other energy, telecom, boarding or lodging or both, housing construction, entertainment, amusement or the purveying of news or other information, but does not include the rendering of any service free of charge or under a contract of personal service.',
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 3,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "2(47)",
      heading: "Definition of Unfair Trade Practice",
      text: 'Section 2(47): "unfair trade practice" means a trade practice which, for the purpose of promoting the sale, use or supply of any goods or for the provision of any service, adopts any unfair method or unfair or deceptive practice including any of the following practices, namely:— (i) making any statement, whether orally or in writing or by visible representation including by means of electronic record, which— (a) falsely represents that the goods are of a particular standard, quality, quantity, grade, composition, style or model; (b) falsely represents that the services are of a particular standard, quality or grade. The practice of giving false or misleading facts disparaging the goods, services or trade of another person is also an unfair trade practice.',
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 4,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "17",
      heading: "Establishment of Central Consumer Protection Authority (CCPA)",
      text: "Section 17: The Central Government shall, by notification, establish with effect from such date as it may specify in that notification, a Central Consumer Protection Authority to be known as the Central Authority to regulate matters relating to violation of rights of consumers, unfair trade practices and false or misleading advertisements which are prejudicial to the interests of public and consumers and to promote, protect and enforce the rights of consumers as a class.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 5,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "18",
      heading: "Functions of CCPA",
      text: "Section 18: The Central Authority shall— (a) protect, promote and enforce the rights of consumers as a class, and prevent violation of consumers' rights under this Act; (b) prevent unfair trade practices and ensure that no person engages himself in unfair trade practices; (c) ensure that no false or misleading advertisement is made of any goods or services which contravenes the provisions of this Act or the rules or regulations made thereunder; (d) ensure that no person takes part in the publication of any advertisement which is false or misleading. The Central Authority shall, for the purpose of preventing, investigating and taking action against the violation of consumer rights, unfair trade practices and false or misleading advertisements, have the power to inquire or cause an inquiry or investigation to be made into such matters.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 6,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "19",
      heading: "Complaint to CCPA",
      text: "Section 19: Any person, consumer, or registered voluntary consumer association may file a complaint before the Central Authority in relation to violation of consumer rights, unfair trade practices, or false or misleading advertisements prejudicial to the interest of consumers. The Central Authority may, on receipt of such complaint, make or cause to be made a preliminary inquiry as to whether the complaint requires further investigation and may pass such orders as it deems fit, including directing the manufacturer, seller, service provider, or advertiser to discontinue the unfair trade practice or misleading advertisement.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 7,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "35",
      heading: "Complaint to District Consumer Disputes Redressal Commission",
      text: "Section 35: A complaint in relation to any goods sold or delivered or agreed to be sold or delivered or any service provided or agreed to be provided may be filed with a District Commission by— (a) the consumer to whom such goods are sold or delivered or agreed to be sold or delivered or such service is provided or agreed to be provided; (b) any recognised consumer association, whether the consumer to whom the goods are sold or delivered or agreed to be sold or delivered or service is provided or agreed to be provided is a member of such association or not; (c) one or more consumers, where there are numerous consumers having the same interest, with the permission of the District Commission; (d) the Central Authority or the State Authority, as the case may be.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 8,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "38",
      heading: "Procedure on Admission of Complaint",
      text: "Section 38: The District Commission shall, on admission of a complaint, if it relates to goods in respect of which the procedure specified in section 38(2) is applicable, refer a copy of the admitted complaint, within twenty-one days from the date of its admission to the opposite party, directing him to give his version of the case within a period of thirty days or such extended period not exceeding fifteen days as may be granted by the District Commission. If the opposite party, on receipt of a copy of the complaint, denies or disputes the allegations contained in the complaint, or omits or fails to take any action to represent his case within the time given, the District Commission shall proceed to settle the consumer dispute.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 9,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "39",
      heading: "Findings of District Commission",
      text: "Section 39(1): If, after the proceeding conducted under section 38, the District Commission is satisfied that the goods complained against suffer from any of the defects specified in the complaint or that any of the allegations contained in the complaint about the services or any unfair trade practices or restrictive trade practices are proved, it shall issue an order to the opposite party directing him to do one or more of the following things, namely:— (a) to remove the defect pointed out by the appropriate laboratory from the goods in question; (b) to replace the goods with new goods of similar description which shall be free from any defect; (c) to return to the complainant the price, or, as the case may be, the charges paid by the complainant along with such interest on such price or charges as may be decided; (d) to pay such amount as may be awarded by it as compensation to the consumer for any loss or injury suffered by the consumer due to the negligence of the opposite party.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 10,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "47",
      heading: "Jurisdiction of District Commission",
      text: "Section 47(1): The District Commission shall have jurisdiction to entertain complaints where the value of the goods or services paid as consideration does not exceed one crore rupees. Provided that where the Central Government deems it necessary so to do, it may, by notification, enhance or reduce the limit of one crore rupees after giving wide publicity thereof and considering the interests of consumers.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 11,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "58",
      heading: "Jurisdiction of State Commission",
      text: "Section 58(1): The State Commission shall have jurisdiction— (a) to entertain complaints where the value of the goods or services paid as consideration exceeds one crore rupees but does not exceed ten crore rupees; (b) to entertain appeals against the orders of any District Commission within the State; (c) to call for the records and pass appropriate orders in any consumer dispute which is pending before or has been decided by any District Commission within the State in cases where it appears to the State Commission that such District Commission has exercised a jurisdiction not vested in it by law, or has failed to exercise a jurisdiction so vested, or has acted in the exercise of its jurisdiction illegally or with material irregularity.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 12,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "67",
      heading: "Jurisdiction of National Commission",
      text: "Section 67: The National Commission shall have jurisdiction— (a) to entertain complaints where the value of the goods or services paid as consideration exceeds ten crore rupees; (b) to entertain appeals against the orders of any State Commission; (c) to call for the records and pass appropriate orders in any consumer dispute which is pending before or has been decided by any State Commission where it appears to the National Commission that such State Commission has exercised a jurisdiction not vested in it by law, or has failed to exercise a jurisdiction so vested, or has acted in the exercise of its jurisdiction illegally or with material irregularity.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 13,
      actName: "Consumer Protection Act, 2019",
      sectionNo: "69",
      heading: "Limitation Period for Filing Complaint",
      text: "Section 69(1): The District Commission, the State Commission or the National Commission shall not admit a complaint unless it is filed within two years from the date on which the cause of action has arisen. Section 69(2): Notwithstanding anything contained in sub-section (1), a complaint may be entertained after the period specified in sub-section (1), if the complainant satisfies the District Commission, the State Commission or the National Commission, as the case may be, that he had sufficient cause for not filing the complaint within such period. Provided that no such complaint shall be entertained unless the District Commission, or the State Commission or the National Commission, as the case may be, records its reasons for condoning such delay.",
      metadata: { issue_domain: "consumer" },
    },
  ],
};

const eCommerceRules2020: LegalSeedEntry = {
  source: {
    sourceType: "rule",
    title: "Consumer Protection (E-Commerce) Rules, 2020",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Department of Consumer Affairs",
    canonicalUrl:
      "https://consumeraffairs.nic.in/sites/default/files/E-commerce%20%28Amendment%29%20Rules%2C%202021.pdf",
    versionLabel: "2020 (amended 2021)",
    effectiveFrom: "2020-07-23",
    metadata: { issue_domain: "consumer" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "Consumer Protection (E-Commerce) Rules, 2020",
      sectionNo: "4",
      heading: "Duties of E-Commerce Entities",
      text: "Rule 4(1): Every e-commerce entity shall— (a) display clearly on its platform the name, contact numbers, and designated grievance officer details; (b) acknowledge the receipt of any consumer complaint within forty-eight hours and redress the complaint within one month from the date of receipt of the complaint; (c) not adopt any unfair trade practice whether in the course of business on its platform or otherwise; (d) not falsely represent itself as a consumer and post reviews about its goods and services or misrepresent the quality or features of any goods or services.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 2,
      actName: "Consumer Protection (E-Commerce) Rules, 2020",
      sectionNo: "4(5)",
      heading: "Grievance Officer Appointment Requirement",
      text: "Rule 4(5): Every e-commerce entity shall establish an adequate grievance redressal mechanism having regard to the number of grievances ordinarily received by such entity from India, and shall appoint a grievance officer for consumer grievance redressal, and shall display the name of such officer and his contact details including email address on its platform, and such officer shall acknowledge the receipt of any consumer complaint within forty-eight hours and redress the complaint within one month from the date of receipt of the complaint.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 3,
      actName: "Consumer Protection (E-Commerce) Rules, 2020",
      sectionNo: "5",
      heading: "Duties of Marketplace E-Commerce Entities",
      text: "Rule 5(1): Every marketplace e-commerce entity shall— (a) require sellers through an undertaking to ensure that descriptions, images, and other content pertaining to goods or services on their platform is accurate and corresponds directly with the appearance, nature, quality, purpose and other general features of such goods or services; (b) provide a description of any seller on its platform who may be in a position to supply goods or provide services to consumers; (c) provide information relating to return, refund, exchange, warranty and guarantee, delivery and shipment, cost and method of payment, grievance redressal mechanism, and any other similar information which may be required by consumers; (d) provide sellers the facility to use a grievance redressal mechanism.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 4,
      actName: "Consumer Protection (E-Commerce) Rules, 2020",
      sectionNo: "6",
      heading: "Duties of Inventory E-Commerce Entities",
      text: "Rule 6(1): Every inventory e-commerce entity shall— (a) ensure that the advertisements for marketing of goods or services are consistent with the actual characteristics, access and usage conditions of such goods or services; (b) ensure that all information provided by it is accurate, true and sufficient to enable the consumer to make an informed decision at the pre-purchase stage; (c) ensure that the goods or services being offered on the platform are not prohibited for sale and do not infringe any intellectual property rights; (d) ensure the authenticity of the goods sold on its platform and confirm that goods purchased are delivered within the stipulated delivery period indicated at the time of purchase.",
      metadata: { issue_domain: "consumer" },
    },
  ],
};

const nationalConsumerHelpline: LegalSeedEntry = {
  source: {
    sourceType: "govt_page",
    title: "National Consumer Helpline – Grievance Filing Procedure",
    tier: "tier2",
    jurisdiction: "IN",
    authority: "National Consumer Helpline",
    canonicalUrl: "https://consumerhelpline.gov.in",
    versionLabel: "current",
    effectiveFrom: "2015-01-01",
    metadata: { issue_domain: "consumer" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "National Consumer Helpline",
      sectionNo: "procedure",
      heading: "How to File a Grievance via National Consumer Helpline",
      text: "Consumers can register complaints through the National Consumer Helpline (NCH) by calling the toll-free number 1915 (available in 17 languages, Monday–Saturday 8 AM–8 PM), or by visiting consumerhelpline.gov.in, or through the INGRAM portal (Integrated Grievance Redressal Mechanism). Complaints can also be submitted via the NCH mobile app available on Android and iOS platforms. The NCH mediates between consumers and companies and escalates unresolved complaints to the Consumer Commission or the appropriate regulator.",
      metadata: { issue_domain: "consumer" },
    },
    {
      chunkNo: 2,
      actName: "National Consumer Helpline",
      sectionNo: "ingram",
      heading: "INGRAM Portal – Integrated Grievance Redressal Mechanism",
      text: "The INGRAM (Integrated Grievance Redressal Mechanism) portal at consumerhelpline.gov.in allows consumers to file complaints online, track complaint status, and receive resolution from companies. Complaints are forwarded to the concerned company through the portal; companies registered on INGRAM are expected to respond within 30 days. Unresolved complaints on INGRAM can be escalated to the District Consumer Disputes Redressal Commission under the Consumer Protection Act, 2019.",
      metadata: { issue_domain: "consumer" },
    },
  ],
};

// ============================================================================
// PAYMENT DOMAIN
// ============================================================================

const rbiIntegratedOmbudsmanScheme2021: LegalSeedEntry = {
  source: {
    sourceType: "regulator_doc",
    title: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Reserve Bank of India",
    canonicalUrl:
      "https://rbidocs.rbi.org.in/rdocs/content/pdfs/RBIOS2021_amendedWebsite.pdf",
    versionLabel: "2021 (as amended)",
    effectiveFrom: "2021-11-12",
    metadata: { issue_domain: "payment" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
      sectionNo: "definitions",
      heading: "Key Definitions",
      text: "Under the RBI Integrated Ombudsman Scheme 2021: 'complaint' means a representation in writing or through electronic means containing a grievance, alleging deficiency in service on the part of a Regulated Entity; 'deficiency in service' means a failure to comply with applicable laws, regulations, and internal policies of a Regulated Entity; 'Regulated Entity' includes commercial banks, primary (urban) co-operative banks, non-banking financial companies, and payment system participants as notified by the Reserve Bank from time to time. The scheme provides a cost-free and expeditious alternate grievance redressal mechanism to customers of regulated entities.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 2,
      actName: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
      sectionNo: "clause-8",
      heading: "Grounds for Filing Complaint Before Ombudsman",
      text: "Clause 8 of the RBI IOS 2021: A complaint may be filed before the Ombudsman on any one or more of the following grounds of deficiency in service, namely: non-payment or inordinate delay in the payment or collection of cheques, drafts, bills, etc.; non-acceptance, without sufficient cause, of small denomination notes tendered for any purpose; failure to issue or delay in issuance of a draft, pay order or banker's cheque; non-adherence to prescribed working hours; failure to honour guarantee or letter of credit commitments; claims in respect of unauthorized electronic fund transfers, failure to act in accordance with a customer's mandate without justification; non-adherence to the provisions of the fair practices code as adopted by the bank.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 3,
      actName: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
      sectionNo: "clause-10",
      heading: "Procedure for Filing Complaint – CMS Portal",
      text: "Clause 10 of the RBI IOS 2021: A complainant may file a complaint through the Complaint Management System portal at cms.rbi.org.in, or at the Centralised Receipt and Processing Centre, or at the offices of the Ombudsman. Before filing a complaint with the Ombudsman, the complainant must first lodge a complaint with the concerned Regulated Entity and either receive a response which is not satisfactory, or not receive a response within 30 days of lodging the complaint. The complaint must be filed within one year from the date of the reply of the regulated entity or, if no reply, within one year and 30 days from the date of lodging the grievance with the regulated entity.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 4,
      actName: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
      sectionNo: "clause-10-pre-filing",
      heading: "30-Day Pre-Filing Requirement",
      text: "The RBI Integrated Ombudsman Scheme 2021 mandates that before approaching the Ombudsman at cms.rbi.org.in, the complainant must: (1) lodge a complaint with the Regulated Entity (bank, NBFC, payment system participant); (2) wait 30 days for a resolution; and (3) only approach the Ombudsman if the reply is unsatisfactory or no reply is received within 30 days. This pre-filing requirement ensures the institution has adequate opportunity to resolve the dispute internally before regulatory intervention.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 5,
      actName: "Reserve Bank – Integrated Ombudsman Scheme, 2021",
      sectionNo: "award",
      heading: "Ombudsman Award",
      text: "The RBI Integrated Ombudsman Scheme 2021 provides that the Ombudsman may, after affording reasonable opportunity to the parties, pass an Award. The Award may direct the regulated entity to pay the complainant an amount found deficient and/or compensation for the loss suffered by the complainant, which shall not exceed Rupees Twenty Lakh (₹20,00,000) in aggregate per complaint. If a bank fails to implement the Award within the prescribed period, the RBI may take action under the applicable banking statutes.",
      metadata: { issue_domain: "payment" },
    },
  ],
};

const rbiCustomerLiabilityCircular2017: LegalSeedEntry = {
  source: {
    sourceType: "regulator_doc",
    title:
      "RBI Customer Liability in Unauthorised Electronic Banking Transactions Circular 2017",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Reserve Bank of India",
    canonicalUrl:
      "https://www.rbi.org.in/Scripts/NotificationUser.aspx?Id=11040",
    versionLabel: "DBR.No.Leg.BC.78/09.07.005/2017-18",
    effectiveFrom: "2017-07-06",
    metadata: { issue_domain: "payment" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName:
        "RBI Customer Liability in Unauthorised Electronic Banking Transactions Circular 2017",
      sectionNo: "zero-liability",
      heading: "Zero Liability for Unauthorised Transactions Reported Promptly",
      text: "RBI Circular DBR.No.Leg.BC.78/09.07.005/2017-18: A customer shall have zero liability where the unauthorised transaction occurs in cases where the deficiency is on part of the bank (irrespective of whether or not the transaction is reported by the customer). In cases where the responsibility for the unauthorised electronic banking transaction lies neither with the bank nor with the customer, but lies elsewhere in the system, and the customer notifies the bank within three working days of receiving the communication from the bank regarding the unauthorised transaction, the customer shall have zero liability.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 2,
      actName:
        "RBI Customer Liability in Unauthorised Electronic Banking Transactions Circular 2017",
      sectionNo: "limited-liability",
      heading: "Limited Liability for Delayed Reporting",
      text: "RBI Circular DBR.No.Leg.BC.78/09.07.005/2017-18: If the delay in reporting is between 4 and 7 working days after receiving communication from the bank, the customer's maximum liability shall be the transaction value or the amount specified in the table (ranging from ₹5,000 to ₹25,000 depending on the type of account), whichever is lower. If the delay in reporting the unauthorised transaction is beyond 7 working days, the customer's liability shall be determined as per the bank's Board approved policy. Banks must credit (shadow reversal) the amount involved in the unauthorised electronic transaction to the customer's account within 10 working days from the date of notification by the customer.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 3,
      actName:
        "RBI Customer Liability in Unauthorised Electronic Banking Transactions Circular 2017",
      sectionNo: "customer-negligence",
      heading: "Full Liability Where Customer is Negligent",
      text: "RBI Circular DBR.No.Leg.BC.78/09.07.005/2017-18: In cases where the loss is due to negligence by a customer, such as where he has shared the payment credentials, the customer will bear the entire loss until he reports the unauthorised transaction to the bank. Any loss occurring after the reporting of the unauthorised transaction shall be borne by the bank. Banks shall immediately on receipt of the report from the customer, take all steps to prevent further unauthorised transactions in the account.",
      metadata: { issue_domain: "payment" },
    },
  ],
};

const npciUpiGuidelines: LegalSeedEntry = {
  source: {
    sourceType: "regulator_doc",
    title: "NPCI UPI Procedural Guidelines",
    tier: "tier2",
    jurisdiction: "IN",
    authority: "National Payments Corporation of India (NPCI)",
    canonicalUrl:
      "https://www.npci.org.in/PDF/npci/upi/circular/2019/UPI-Procedural-Guidelines-Ver-1.6.pdf",
    versionLabel: "Version 1.6",
    effectiveFrom: "2019-01-01",
    metadata: { issue_domain: "payment" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "NPCI UPI Procedural Guidelines",
      sectionNo: "dispute-tat",
      heading: "UPI Dispute Resolution Turnaround Time",
      text: "NPCI UPI Procedural Guidelines v1.6: For failed UPI transactions where the customer's account has been debited but credit has not been received, the acquiring bank / PSP must resolve the dispute within T+1 working day (where T is the date of transaction or complaint). If the transaction cannot be reversed within T+1, the PSP must proactively communicate the status to the customer and ensure reversal within 5 working days. Persistent failure to reverse within the stipulated time may be escalated to NPCI or the concerned bank ombudsman.",
      metadata: { issue_domain: "payment" },
    },
    {
      chunkNo: 2,
      actName: "NPCI UPI Procedural Guidelines",
      sectionNo: "chargeback",
      heading: "Chargeback Process via PSP",
      text: "NPCI UPI Procedural Guidelines v1.6: A UPI chargeback (dispute) must be raised by the customer's PSP (Payment Service Provider) bank on behalf of the customer through the UPI dispute management system. Chargebacks can be raised in cases of: (i) goods/services not received; (ii) duplicate transaction; (iii) fraud or unauthorized transaction. The remitter's PSP has responsibility to initiate a chargeback dispute within 120 days of the original transaction date and must submit documentary evidence to the beneficiary PSP for resolution.",
      metadata: { issue_domain: "payment" },
    },
  ],
};

// ============================================================================
// CYBER FRAUD DOMAIN
// ============================================================================

const itAct2000: LegalSeedEntry = {
  source: {
    sourceType: "act",
    title: "Information Technology Act, 2000",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Ministry of Electronics and Information Technology",
    canonicalUrl:
      "https://www.indiacode.nic.in/bitstream/123456789/13116/1/it_act_2000_updated.pdf",
    versionLabel: "2000 (as amended 2008)",
    effectiveFrom: "2000-10-17",
    metadata: { issue_domain: "cyber_fraud" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "Information Technology Act, 2000",
      sectionNo: "43",
      heading: "Penalty for Damage to Computer, Computer System, etc.",
      text: "Section 43 of the Information Technology Act, 2000: If any person without permission of the owner or any other person who is incharge of a computer, computer system or computer network— (a) accesses or secures access to such computer, computer system or computer network; (b) downloads, copies or extracts any data, computer data base or information from such computer, computer system or computer network; (c) introduces or causes to be introduced any computer contaminant or computer virus into any computer, computer system or computer network; (d) damages or causes to be damaged any computer, computer system or computer network, data, computer data base or any other programmes residing in such computer, computer system or computer network— he shall be liable to pay damages by way of compensation not exceeding one crore rupees to the person so affected.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 2,
      actName: "Information Technology Act, 2000",
      sectionNo: "43A",
      heading: "Compensation for Failure to Protect Data",
      text: "Section 43A of the Information Technology Act, 2000: Where a body corporate, possessing, dealing or handling any sensitive personal data or information in a computer resource which it owns, controls or operates, is negligent in implementing and maintaining reasonable security practices and procedures and thereby causes wrongful loss or wrongful gain to any person, such body corporate shall be liable to pay damages by way of compensation to the person so affected. The Central Government shall prescribe the reasonable security practices and procedures and the type of sensitive personal data or information for the purposes of this section.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 3,
      actName: "Information Technology Act, 2000",
      sectionNo: "66",
      heading: "Computer-Related Offences",
      text: "Section 66 of the Information Technology Act, 2000: If any person, dishonestly or fraudulently, does any act referred to in section 43, he shall be punishable with imprisonment for a term which may extend to three years or with fine which may extend to five lakh rupees or with both. The provisions of this section apply to all forms of computer-related offences including hacking, unauthorised access, data theft, introduction of malware, and disruption of computer systems or networks.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 4,
      actName: "Information Technology Act, 2000",
      sectionNo: "66C",
      heading: "Punishment for Identity Theft",
      text: "Section 66C of the Information Technology Act, 2000: Whoever, fraudulently or dishonestly make use of the electronic signature, password or any other unique identification feature of any other person, shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to fine which may extend to rupees one lakh. Identity theft under this section includes misuse of OTPs, digital credentials, SIM-swap fraud, and misuse of Aadhaar or PAN details to impersonate a person.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 5,
      actName: "Information Technology Act, 2000",
      sectionNo: "66D",
      heading: "Punishment for Cheating by Personation Using Computer Resource",
      text: "Section 66D of the Information Technology Act, 2000: Whoever, by means of any communication device or computer resource cheats by personation, shall be punished with imprisonment of either description for a term which may extend to three years and shall also be liable to fine which may extend to one lakh rupees. This section specifically covers online impersonation, fake customer care fraud, phishing, vishing, smishing, and impersonation of banking officials or government officers through electronic means.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 6,
      actName: "Information Technology Act, 2000",
      sectionNo: "72A",
      heading: "Punishment for Disclosure of Information in Breach of Lawful Contract",
      text: "Section 72A of the Information Technology Act, 2000: Save as otherwise provided in this Act or any other law for the time being in force, any person including an intermediary who, while providing services under the terms of lawful contract, has secured access to any material containing personal information about another person, with the intent to cause or knowing that he is likely to cause wrongful loss or wrongful gain discloses, without the consent of the person concerned, or in breach of a lawful contract, such material to any other person, shall be punished with imprisonment for a term which may extend to three years, or with a fine which may extend to five lakh rupees, or with both.",
      metadata: { issue_domain: "cyber_fraud" },
    },
  ],
};

const bharatiyaNyayaSanhita2023: LegalSeedEntry = {
  source: {
    sourceType: "act",
    title: "Bharatiya Nyaya Sanhita, 2023",
    tier: "tier1",
    jurisdiction: "IN",
    authority: "Ministry of Home Affairs",
    canonicalUrl: "https://www.indiacode.nic.in/handle/123456789/20062",
    versionLabel: "2023 (effective July 1, 2024)",
    effectiveFrom: "2024-07-01",
    metadata: { issue_domain: "cyber_fraud" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "Bharatiya Nyaya Sanhita, 2023",
      sectionNo: "318",
      heading: "Cheating",
      text: "Section 318 of the Bharatiya Nyaya Sanhita, 2023: Whoever, by deceiving any person, fraudulently or dishonestly induces the person so deceived to deliver any property to any person, or to consent that any person shall retain any property, or intentionally induces the person so deceived to do or omit to do anything which he would not do or omit if he were not so deceived, and which act or omission causes or is likely to cause damage or harm to that person in body, mind, reputation or property, is said to 'cheat'. A person who cheats shall be punished with imprisonment of either description for a term which may extend to three years, or with fine, or with both; and cheating with knowledge that wrongful loss will be caused to a person whose interest the offender is bound to protect, shall be punished with imprisonment of either description for a term which may extend to five years, or with fine, or with both.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 2,
      actName: "Bharatiya Nyaya Sanhita, 2023",
      sectionNo: "319",
      heading: "Cheating by Personation",
      text: "Section 319 of the Bharatiya Nyaya Sanhita, 2023: A person is said to 'cheat by personation' if he cheats by pretending to be some other person, or by knowingly substituting one person for another, or representing that he or any other person is a person other than he or such other person really is. The offence is committed whether the individual personated is a real or imaginary person. Whoever cheats by personation shall be punished with imprisonment of either description for a term which may extend to five years, or with fine, or with both. This section applies to online impersonation, fake identity creation on social media, and fraudulent impersonation of bank officials, government officers, or family members.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 3,
      actName: "Bharatiya Nyaya Sanhita, 2023",
      sectionNo: "316",
      heading: "Criminal Breach of Trust",
      text: "Section 316 of the Bharatiya Nyaya Sanhita, 2023: Whoever, being in any manner entrusted with property, or with any dominion over property, dishonestly misappropriates or converts to his own use that property, or dishonestly uses or disposes of that property in violation of any direction of law prescribing the mode in which such trust is to be discharged, or of any legal contract, express or implied, which he has made touching the discharge of such trust, or wilfully suffers any other person so to do, commits 'criminal breach of trust'. Whoever commits criminal breach of trust shall be punished with imprisonment of either description for a term which may extend to seven years, and shall also be liable to fine. Criminal breach of trust in a position of professional trust (e.g., by a financial advisor, bank employee, or insurer) carries enhanced punishment.",
      metadata: { issue_domain: "cyber_fraud" },
    },
  ],
};

const mhaCybercrimeReporting: LegalSeedEntry = {
  source: {
    sourceType: "govt_page",
    title: "MHA Cybercrime Reporting – 1930 Helpline and National Cybercrime Reporting Portal",
    tier: "tier2",
    jurisdiction: "IN",
    authority: "Ministry of Home Affairs (I4C)",
    canonicalUrl: "https://cybercrime.gov.in/",
    versionLabel: "current",
    effectiveFrom: "2021-01-01",
    metadata: { issue_domain: "cyber_fraud" },
  },
  chunks: [
    {
      chunkNo: 1,
      actName: "MHA Cybercrime Reporting",
      sectionNo: "1930-helpline",
      heading: "Golden-Hour Reporting via 1930 Cyber Helpline",
      text: "The Ministry of Home Affairs (I4C) operates the National Cybercrime Helpline 1930 for immediate reporting of financial cyber fraud. Reporting within the 'golden hour' (as soon as possible after the fraud) maximises the chances of the fraudulently transferred money being frozen and recovered. Upon calling 1930, the operator logs the complaint and triggers a bank-freeze request through the Citizen Financial Cyber Fraud Reporting and Management System (CFCFRMS) to block the onward transfer of funds. Victims should keep the transaction reference number, UPI ID, bank account number, and fraudster's mobile number handy while calling.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 2,
      actName: "MHA Cybercrime Reporting",
      sectionNo: "cybercrime-gov-in",
      heading: "National Cybercrime Reporting Portal Procedure",
      text: "The National Cybercrime Reporting Portal at cybercrime.gov.in allows citizens to report cybercrime complaints online in two categories: financial fraud (handled on priority through CFCFRMS) and other cybercrimes (cyberbullying, sextortion, hacking, etc.). After online filing, the complaint is forwarded to the jurisdictional police station and an acknowledgement is generated. Complainants should also file a First Information Report (FIR) at the nearest police station under the applicable sections of the Information Technology Act, 2000 and the Bharatiya Nyaya Sanhita, 2023 for formal legal proceedings.",
      metadata: { issue_domain: "cyber_fraud" },
    },
    {
      chunkNo: 3,
      actName: "MHA Cybercrime Reporting",
      sectionNo: "bank-freeze",
      heading: "Bank Freeze Flow via CFCFRMS",
      text: "On receipt of a financial fraud complaint on 1930 or cybercrime.gov.in, the CFCFRMS system automatically alerts the banks holding the fraudster's accounts to put a lien/freeze on the funds pending investigation. Banks participating in CFCFRMS include all scheduled commercial banks, payment banks, and major wallets. The freeze request is initiated by the I4C nodal officer and the concerned bank must acknowledge and act within 30 minutes during banking hours. Victims are advised to simultaneously file a complaint with their own bank's fraud desk and invoke the RBI Customer Liability Circular 2017 for zero-liability protection on promptly reported unauthorised transactions.",
      metadata: { issue_domain: "cyber_fraud" },
    },
  ],
};

// ============================================================================
// Export
// ============================================================================

export const ALL_LEGAL_SEED_ENTRIES: LegalSeedEntry[] = [
  // Consumer domain
  consumerProtectionAct2019,
  eCommerceRules2020,
  nationalConsumerHelpline,
  // Payment domain
  rbiIntegratedOmbudsmanScheme2021,
  rbiCustomerLiabilityCircular2017,
  npciUpiGuidelines,
  // Cyber fraud domain
  itAct2000,
  bharatiyaNyayaSanhita2023,
  mhaCybercrimeReporting,
];