# Product terms lookup

> Answer questions about rates, fees and terms from the current document, with the version cited.

- Skill: `vstorm-co/product-terms-lookup` (Agent Skill)
- Install (CLI): `npx skillmds@latest add vstorm-co/product-terms-lookup`
- Raw SKILL.md: https://api.skillmd.com/api/skills/vstorm-co/product-terms-lookup/raw
- Safety review: pending
- Works with: Claude Code, Claude.ai, OpenAI Codex
- Category: Coding & Dev Tools
- Author: vstorm-co (https://skillmd.com/u/vstorm-co)
- Updated: 2026-09-17
- Page: https://skillmd.com/skills/vstorm-co/product-terms-lookup

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# Answering from product terms

Every answer here is a quote with a citation. Nothing is from memory, and
nothing is calculated unless the document gives the formula.

## Always

- Name the **document and version**, and the date it took effect.
- Quote the clause. Then, separately, say what it means in plain language.
- Say whether the customer's own product is on that version — terms change and
  existing customers are often on an earlier one.

## When the answer depends on the customer

Rates that depend on balance, tenure or a promotional period are answered as
"it depends on X, and here is the table" — never with a single number picked
from the middle.

## Refuse cleanly

If the current document does not cover it, say so and name the team that owns
it. A plausible number is worse than no number, because it will be repeated.

## Never

Quote a superseded document, compare against a competitor, or say what the rate
is likely to do next.