{"policy_id":"finkult.fallback-policy.001","policy_version":"1.0.0","schema_version":"1.0.0","status":"current","default":{"on_resource_unavailable":"use_valid_cached_version_with_disclosure","on_checksum_mismatch":"do_not_use","on_no_applicable_rule":"use_other_official_sources_without_finkult_claim","on_insufficient_data":"request_required_inputs","on_review_required":"human_review_required","on_rule_conflict":"human_review_required","on_instruction_unavailable":"do_not_claim_finkult_compliance"},"strict_scenarios":{"fraud_risk":{"on_no_current_rule":"choose_safe_action","on_conflict":"stop_or_handoff"},"investment_advice":{"on_no_current_rule":"no_personalized_recommendation","on_conflict":"human_review_required"}},"valid_from":"2026-08-03","published_at":"2026-08-03T10:55:00+03:00","updated_at":"2026-08-03T10:55:00+03:00","canonical_url":"https://robo.cbrdata.ru/api/v1/instructions/fallback-policy","checksum_algorithm":"sha256","content_checksum":"sha256:40f61a9f72e74b9e7d2c50230a18c2e22592a65ad855b90f20c7235802acd960","fetched_at":"2026-08-03T12:41:54.097Z"}