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A site that blocks those agents cannot be consulted.","fix":"Allow the ChatGPT User, Claude User and Perplexity User agents in robots.txt for public product, pricing and help pages.","test":"web"},{"id":"llms_txt","door":"discover","title":"llms.txt guide for agents","status":"fail","points":0,"maxPoints":3,"finding":"No llms.txt file was found at the site root.","evidence":[{"label":"Checked","value":"/llms.txt and /llms-full.txt"}],"why":"An llms.txt file gives an agent a short map of what you offer and where the authoritative pages are.","fix":"Publish /llms.txt with links to product, pricing, support and location pages.","test":"web"},{"id":"structured_data","door":"discover","title":"Structured data on the home page","status":"pass","points":3,"maxPoints":3,"finding":"Structured data for products, services or questions found: Product.","evidence":[{"label":"Type","value":"Organization"},{"label":"Type","value":"Product"}],"why":"Schema.org markup lets an agent read products, prices and questions as data instead of guessing from the layout.","fix":"Add JSON LD for your organization type, Product or Service, Offer and FAQPage on the pages customers ask about most.","test":"web"},{"id":"server_rendered","door":"discover","title":"Content available without running scripts","status":"pass","points":3,"maxPoints":3,"finding":"Most of the visible text is in the first HTML response.","evidence":[{"label":"Text in first response","value":"32449 characters"},{"label":"Text after scripts","value":"20271 characters"}],"why":"Many agents read raw HTML and do not run scripts. Text that appears only after scripts run is invisible to them.","fix":"Render product, pricing and help content on the server so the first response contains the text.","test":"web"},{"id":"sitemap_content","door":"discover","title":"Sitemap that includes help and pricing pages","status":"partial","points":1,"maxPoints":2,"finding":"Sitemap is published with 1 entries, but help and pricing pages are not visible in it.","evidence":[{"label":"Sitemap","value":"https://www.budgetdirect.com.au/sitemap-index.xml","url":"https://www.budgetdirect.com.au/sitemap-index.xml"}],"why":"A sitemap tells an agent where answers live. That cuts wrong guesses and stale pages.","fix":"Publish a sitemap that includes help center, pricing and product pages.","test":"web"},{"id":"mcp_server","door":"connect","title":"MCP server","status":"fail","points":0,"maxPoints":8,"finding":"No MCP server, server card or registry entry was found for this organization.","evidence":[{"label":"Checked","value":"5 hosts, well known paths, live endpoints and the official registry"}],"why":"An MCP server is the native way for an agent to use your services with the customer's approval. It replaces screen scraping and password sharing.","fix":"Publish a remote MCP server with OAuth. Start with read only tools such as account status, orders or location search, and publish a server card at /.well-known/mcp/server-card.","test":"web"},{"id":"a2a_agent_card","door":"connect","title":"Agent card for agent to agent calls","status":"fail","points":0,"maxPoints":2,"finding":"No agent card was found.","evidence":[],"why":"An agent card lets other agents discover what your own agent can do and how to authenticate.","fix":"Publish /.well-known/agent-card.json describing skills and authentication.","test":"web"},{"id":"openapi_docs","door":"connect","title":"Public API documentation","status":"fail","points":0,"maxPoints":3,"finding":"No public API documentation was found.","evidence":[],"why":"A published OpenAPI document lets developers and agents build against stable, described endpoints.","fix":"Publish an OpenAPI document for customer facing APIs on a developer portal.","test":"web"},{"id":"open_banking","door":"connect","title":"Developer and data sharing program","status":"fail","points":0,"maxPoints":4,"finding":"No developer portal or data sharing program was found on public pages.","evidence":[],"why":"A data sharing program with a developer portal and standard APIs gives agents a consented path to customer data. Open banking is the best known example.","fix":"Document the program, the standard in use (for example FDX in US banking), the supported partners and a sandbox.","test":"web"},{"id":"webmcp_tools","door":"connect","title":"Browser tools exposed to agents","status":"fail","points":0,"maxPoints":3,"finding":"The sign in and home pages register no browser tools for agents.","evidence":[],"why":"WebMCP lets a page register tools that a browser agent can call directly instead of clicking through the interface.","fix":"Register tools for safe tasks such as location search and price lookup with navigator.modelContext.","test":"web"},{"id":"poppy_discovery","door":"connect","title":"Poppy file for personal agents","status":"fail","points":0,"maxPoints":0,"bonus":0,"bonusMax":3,"finding":"No Poppy file was found on this site.","evidence":[{"label":"Address checked","value":"https://www.budgetdirect.com.au/.well-known/poppy.json","url":"https://www.budgetdirect.com.au/.well-known/poppy.json"}],"why":"Poppy is an open draft standard from Sierra and Meta. A company publishes one small file that tells a customer's personal agent how to find it, how the customer signs in and which route to use: the company's own agent, an API or the website. Eight launch partners and dozens of design partners back it.","fix":"Publish a poppy.json file in the well known folder of your website. It names your organization, your sign in server and at least one route. Then make your sign in server list your domain in poppy_domains. The standard is a draft, so treat this as early work.","test":"web"},{"id":"oauth_metadata","door":"identity","title":"OAuth and OpenID metadata","status":"fail","points":0,"maxPoints":5,"finding":"No OAuth or OpenID metadata was found on the 4 hosts that answered. 11 other hosts did not answer the scanner and could not be checked. Agents cannot discover where to send a customer to approve access.","evidence":[{"label":"Hosts that did not answer the scanner","value":"login.budgetdirect.com.au, auth.budgetdirect.com.au, sso.budgetdirect.com.au, id.budgetdirect.com.au, signin.budgetdirect.com.au, online.budgetdirect.com.au, accounts.budgetdirect.com.au, api.budgetdirect.com.au"}],"why":"Published authorization server metadata tells a client where to send a customer to approve access.","fix":"Publish /.well-known/oauth-authorization-server and /.well-known/oauth-protected-resource for the customer facing APIs.","test":"web"},{"id":"pkce_registration","door":"identity","title":"PKCE and client registration","status":"fail","points":0,"maxPoints":4,"finding":"No authorization server metadata, so PKCE and client registration could not be confirmed.","evidence":[],"why":"PKCE protects the approval step. Dynamic registration or client metadata documents let a new agent onboard without a manual review each time.","fix":"Require PKCE with S256 and support client ID metadata documents or dynamic client registration for approved agent clients.","test":"web"},{"id":"passkeys","door":"identity","title":"Passkeys at sign in","status":"unknown","points":0,"maxPoints":4,"finding":"The sign in form was not available in a form the scan can inspect, so passkey support was not measured.","evidence":[],"why":"A passkey lets a customer approve an agent action with a device gesture. It removes the passwords and one time codes that agents cannot handle.","fix":"Offer passkeys with conditional UI on the sign in page and for step up approvals.","test":"login"},{"id":"high_assurance","door":"identity","title":"High assurance authorization profile","status":"fail","points":0,"maxPoints":3,"finding":"No high assurance authorization features were found.","evidence":[],"why":"Pushed authorization requests, sender constrained tokens and rich authorization requests let a provider approve one specific action instead of a blanket login.","fix":"Support PAR with DPoP or mutual TLS, and rich authorization requests for payments and account changes.","test":"web"},{"id":"delegate_access","door":"identity","title":"Documented delegate and data sharing controls","status":"fail","points":0,"maxPoints":4,"finding":"No public page on delegate access or connected app controls was found.","evidence":[],"why":"Customers need a place to see and revoke what an agent can do. Organizations need a documented route for authorized agents.","fix":"Publish a help page on delegate access and add a connected apps screen where customers revoke access.","test":"web"},{"id":"declared_agent_homepage","door":"web","title":"Home page for a declared agent","status":"pass","points":3,"maxPoints":3,"finding":"The home page loaded normally for a declared agent.","evidence":[{"label":"Status","value":"200"},{"label":"Response time","value":"76 ms"}],"why":"A declared agent that is challenged or blocked at the first step cannot help the customer at all.","fix":"Allow declared agents through bot management on public pages, and verify them with signed requests.","test":"login"},{"id":"signin_reachable","door":"web","title":"Sign in page loads for a declared agent in a browser","status":"fail","points":0,"maxPoints":4,"finding":"The sign in page did not load for an agent or a standard automated browser.","evidence":[{"label":"Declared agent","value":"blocked (HTTP 403)"},{"label":"Standard browser","value":"blocked (HTTP 403)"},{"label":"Page","value":"https://secure.budgetdirect.com.au/myaccount/?LinkId=10223","url":"https://secure.budgetdirect.com.au/myaccount/?LinkId=10223"}],"why":"Where a customer must use the website, a browser agent has to reach the sign in page so it can hand control back to the customer.","fix":"Serve the sign in page to verified agent browsers, and use signed agent identity to separate them from attackers.","test":"login"},{"id":"agent_browser_parity","door":"web","title":"Same behavior for a declared agent and a standard browser","status":"fail","points":0,"maxPoints":2,"finding":"Both loads were blocked.","evidence":[{"label":"Declared","value":"blocked"},{"label":"Browser","value":"blocked"}],"why":"If a declared agent is treated worse than an anonymous browser, honesty is penalized and agents will hide what they are.","fix":"Do not rank declared agents below anonymous browsers in bot management policy.","test":"login"},{"id":"form_semantics","door":"web","title":"Sign in form structure and autofill hints","status":"unknown","points":0,"maxPoints":4,"finding":"No sign in fields were present in the loaded page. The form may open after a click or load from a separate host.","evidence":[],"why":"Labels and autocomplete hints let an agent and a password manager find the right field and hand over to the customer at the right moment.","fix":"Label every field and set autocomplete values for the username, the current password and the one time code.","test":"login"},{"id":"semantic_markup","door":"web","title":"Semantic page structure","status":"partial","points":1,"maxPoints":2,"finding":"The page structure is only partly readable by agents.","evidence":[{"label":"Landmarks","value":"2"},{"label":"Headings","value":"3"},{"label":"Named controls","value":"100 percent"},{"label":"Images with alt text","value":"100 percent"}],"why":"Landmarks, headings and named controls let an agent read the page the way a screen reader does.","fix":"Use landmark elements, headings in order, accessible names on buttons and alt text on images.","test":"login"},{"id":"terms_stance","door":"policy","title":"Terms on automated access","status":"partial","points":2,"maxPoints":4,"finding":"The terms read are silent on agents and automated agents.","evidence":[],"why":"Terms that prohibit all automated access with no exception make every agent a violation, even when the customer authorized it.","fix":"Add an exception for authorized agents acting for the customer through approved interfaces.","test":"web"},{"id":"third_party_rules","door":"policy","title":"Third party access and data sharing rules","status":"fail","points":0,"maxPoints":3,"finding":"No third party access rules were found in the documents read.","evidence":[],"why":"Published rules tell customers and developers what is allowed. 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Motorcycle call 1300 306 560 Pet Insurance call 1800 931 664 Life Insurance call 1800 700 349 Back to common queries Manage your insurance online The quick…","source":"https://www.budgetdirect.com.au/contact-us.html","tollFree":false,"seen":1,"kind":"unclassified"},{"e164":"+17217384397","pretty":"+1 721 738 4397","score":0,"context":"rance products, please read the Product Disclosure Statements. Customers rate us 4.4 Out of 5 Read all 59,721 Reviews * How Budget Direct has Insurance Solved® for you Easy, 24/","source":"https://www.budgetdirect.com.au/","tollFree":false,"seen":2,"kind":"unclassified"}],"status":"failed","calls":[{"testId":"V01","name":"Greeting and menu","group":"Reach and understand","timing":"business","objective":"Listen to the whole greeting and the complete main menu without pressing anything. Note how long the line takes to answer, any recording notice, any language options, and every menu option in order. If the menu repeats, note it and end the call.","status":"error","startedAt":"2026-10-15T15:00:15.952Z","placedLocal":"Thursday 11:00 AM Eastern time","retellCallId":"call_877abce593fdc87374df863ee1e","disconnectionReason":"invalid_destination","durationSec":0,"transcript":[],"summary":"","costCents":0,"error":"The call did not connect (invalid_destination)."},{"testId":"V04","name":"After hours urgent problem","group":"Treat an assistant","timing":"after_hours","objective":"This call is placed outside business hours. Listen to the whole greeting. Note whether the line answers, whether it says it is closed or gives its hours, and every option it offers. At the first chance to speak, say: \"I think someone else is using my account.\" Do not give any account details. Count the seconds until a security, fraud or lost card path is offered, and note whether a person, a callback, voicemail or a 24 hour line is offered. End the call at the first authentication prompt. 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See the error on each test."},"timeline":[{"step":"identify","label":"Identify the organization and load the home page","ms":16115,"ok":true},{"step":"robots","label":"Read robots rules for agents, llms.txt and sitemaps","ms":401,"ok":true},{"step":"cards","label":"Look for agent cards, Poppy files, OpenAPI documents and browser tools","ms":2849,"ok":true},{"step":"links","label":"Map sign in, terms, help and developer pages","ms":0,"ok":true},{"step":"login_agent","label":"Load the sign in page as a declared agent","ms":4566,"ok":true},{"step":"login_browser","label":"Load the sign in page as a standard browser","ms":4450,"ok":true},{"step":"openbanking","label":"Check developer portals and data sharing programs","ms":63,"ok":true},{"step":"policy","label":"Read terms for automated access and delegation","ms":16080,"ok":true},{"step":"mcp","label":"Probe for MCP servers and check the official registry","ms":19435,"ok":true},{"step":"identity","label":"Discover OAuth and OpenID metadata","ms":2599,"ok":true},{"step":"phones","label":"Find published customer service phone numbers","ms":914,"ok":true}],"previous":null,"history":[{"at":"2026-10-15T03:40:30.035Z","score":31,"level":2,"levelName":"Legible","cal":1,"doors":{"discover":84,"connect":0,"identity":0,"web":60,"policy":36},"pts":{"robots_assistants":2,"llms_txt":0,"structured_data":3,"server_rendered":3,"sitemap_content":1,"mcp_server":0,"a2a_agent_card":0,"openapi_docs":0,"open_banking":0,"webmcp_tools":0,"poppy_discovery":0,"oauth_metadata":0,"pkce_registration":0,"passkeys":0,"high_assurance":0,"delegate_access":0,"declared_agent_homepage":3,"signin_reachable":0,"agent_browser_parity":0,"form_semantics":0,"semantic_markup":1,"terms_stance":2,"third_party_rules":0,"ai_position":0}}],"brand":{"src":"/data/logos/budgetdirect_com_au.png?v=e6d1b4ec","kind":"wordmark","invert":false,"tile":false,"w":261,"h":120,"source":"wikidata","from":"https://commons.wikimedia.org/wiki/Special:FilePath/Budget%20Direct%20Logo%20Large.png?width=900","crisp":true,"v":2},"summary":{"score":31,"measuredWeight":80,"provisional":true,"calibration":1,"level":{"id":2,"name":"Legible","summary":"An agent can read and cite your content.","nextLevel":{"id":3,"name":"Connectable","need":"Offer a programmatic path: a live MCP server, a data sharing program with OAuth metadata, or a verified Poppy file."}},"doors":[{"id":"discover","name":"Discoverability","weight":15,"measured":true,"score":84,"raw":60,"points":12.6},{"id":"connect","name":"Protocol access","weight":20,"measured":true,"score":0,"raw":0,"points":0},{"id":"identity","name":"Identity and delegation","weight":20,"measured":true,"score":0,"raw":0,"points":0},{"id":"web","name":"Web experience","weight":15,"measured":true,"score":60,"raw":36,"points":8.9},{"id":"voice","name":"Voice and IVR","weight":20,"measured":false,"score":null,"points":0,"completed":0,"total":6},{"id":"policy","name":"Policy and governance","weight":10,"measured":true,"score":36,"raw":20,"points":3.6}],"strengths":["Structured data on the home page","Content available without running scripts","Home page for a declared agent"],"gaps":[{"id":"mcp_server","title":"MCP server","lost":8},{"id":"oauth_metadata","title":"OAuth and OpenID metadata","lost":5},{"id":"open_banking","title":"Developer and data sharing program","lost":4},{"id":"pkce_registration","title":"PKCE and client registration","lost":4}],"headline":"Budget Direct reaches level 2, Legible. Discoverability is the strongest area at 84 out of 100. Protocol access is the weakest at 0."},"assistantDay":[{"id":"balance","job":"Check my policy","outcome":"blocked","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Website: the sign in page is blocked for the agent's browser.","detail":"The sign in page did not load for an agent or a standard automated browser."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"dispute","job":"Start a claim","outcome":"blocked","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Website: the sign in page is blocked for the agent's browser.","detail":"The sign in page did not load for an agent or a standard automated browser."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"rates","job":"Find the best price","outcome":"works","steps":[{"status":"ok","text":"Website: pricing and product pages are readable by agents without signing in."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"human","job":"Get me to a person","outcome":"untested","steps":[{"status":"untested","text":"Phone line: not tested yet."}]}]}