{"id":"td_com","version":"1.0","url":"https://www.td.com","host":"td.com","name":"TD Canada Trust","category":"bank","generatedAt":"2026-10-15T02:20:08.995Z","durationMs":71240,"checks":[{"id":"robots_assistants","door":"discover","title":"Robots policy for user triggered agents","status":"pass","points":4,"maxPoints":4,"finding":"robots.txt does not restrict user triggered agents on the public site.","evidence":[{"label":"ChatGPT User","value":"allowed","url":"https://www.td.com/robots.txt"},{"label":"Claude User","value":"allowed","url":"https://www.td.com/robots.txt"},{"label":"Perplexity User","value":"allowed","url":"https://www.td.com/robots.txt"},{"label":"Gemini Deep Research","value":"allowed","url":"https://www.td.com/robots.txt"}],"why":"When a customer asks an agent to look something up, it fetches the page as a user triggered agent. 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":"pass","points":3,"maxPoints":3,"finding":"llms.txt is published with 35 links.","evidence":[{"label":"File","value":"https://www.td.com/llms.txt","url":"https://www.td.com/llms.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":"fail","points":0,"maxPoints":3,"finding":"No JSON LD structured data was found on the home page.","evidence":[],"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":"22519 characters"},{"label":"Text after scripts","value":"7136 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 3 entries, but help and pricing pages are not visible in it.","evidence":[{"label":"Sitemap","value":"https://www.td.com/sitemap.xml","url":"https://www.td.com/sitemap.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.td.com/.well-known/poppy.json","url":"https://www.td.com/.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 3 hosts that answered. 12 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":"secure.td.com, login.td.com, auth.td.com, sso.td.com, id.td.com, signin.td.com, online.td.com, accounts.td.com"}],"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":"fail","points":0,"maxPoints":4,"finding":"No passkey signal was found on the sign in page or in the published pages read. A prompt that starts only after a person types is not visible to the scan.","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":"295 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":"pass","points":4,"maxPoints":4,"finding":"The sign in page loaded in a browser for a declared agent.","evidence":[{"label":"Declared agent","value":"loaded in 3470 ms"},{"label":"Standard browser","value":"loaded in 3308 ms"},{"label":"Page","value":"https://www.td.com/ca/en/personal-banking/my-accounts","url":"https://www.td.com/ca/en/personal-banking/my-accounts"}],"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":"pass","points":2,"maxPoints":2,"finding":"A declared agent and a standard browser got the same result.","evidence":[{"label":"Declared","value":"loaded"},{"label":"Browser","value":"loaded"}],"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":"partial","points":2,"maxPoints":4,"finding":"100 percent of 5 fields have labels and 0 percent set autocomplete hints.","evidence":[{"label":"text field","value":"Search; autocomplete: off"},{"label":"text field","value":"Search; autocomplete: off"},{"label":"text field","value":"What's your question?; autocomplete: none"},{"label":"textarea field","value":"Please enter your comment.  We're unable to respond directly to your comment but; autocomplete: none"},{"label":"text field","value":"Cookie list search; autocomplete: none"}],"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":"10"},{"label":"Headings","value":"27"},{"label":"Named controls","value":"98 percent"},{"label":"Images with alt text","value":"18 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":"fail","points":0,"maxPoints":4,"finding":"The terms restrict automated access and name no exception for authorized agents.","evidence":[{"label":"Terms excerpt","value":"…TD Bank Group website or app, or use the Website to develop similar functionality. You may not access, monitor or copy any content on the Website or any TD Bank Group server using any robot, deep-link, spider, scraper or other automated means or any manual process. You will not attempt to gain una…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers"},{"label":"Terms excerpt","value":"…may not access, monitor or copy any content on the Website or any TD Bank Group server using any robot, deep-link, spider, scraper or other automated means or any manual process. You will not attempt to gain…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers"}],"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. That keeps agents on approved paths.","fix":"Publish a third party access policy that names the approved interfaces and the consent model.","test":"web"},{"id":"ai_position","door":"policy","title":"Published position on AI agents","status":"partial","points":1,"maxPoints":3,"finding":"AI is mentioned in published documents, but not agents that act for customers.","evidence":[{"label":"Excerpt","value":"…use. You may not use any content on our Website or any TD Bank Group server to train any artificial intelligence (AI) or a similar system without our express prior written consent. Top C. Email Disclaimer Email…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers"}],"why":"A public position tells customers whether an agent acting for them is welcome, and under what conditions.","fix":"Publish a page that states how customer agents are handled and where to connect them.","test":"web"}],"homeAgentFetch":{"status":200,"ms":295,"bytes":368644,"blocked":false,"thin":false},"login":{"url":"https://www.td.com/ca/en/personal-banking/my-accounts","source":"link on home page","validated":true,"candidates":[{"url":"https://www.td.com/ca/en/personal-banking/my-accounts","source":"link on home page"},{"url":"https://easyweb.td.com/","source":"link on home page"},{"url":"https://webbroker.td.com/","source":"link on home page"},{"url":"https://www.td.com/ca/en/personal-banking/advice/day-to-day-banking/easyweb-online-banking-statements","source":"menu item \"Getting started with your TD C\""},{"url":"https://www.td.com/ca/en/personal-banking/solutions/ways-to-bank/online-banking","source":"menu item \"EasyWeb\""},{"url":"https://www.td.com/login","source":"common path"}],"menu":{"clicked":true,"label":"Login","navigatedTo":null,"linkCount":532,"hasPasswordField":false},"shots":{"agent":"/data/shots/td_com_login_agent.jpg","browser":"/data/shots/td_com_login_browser.jpg","home":"/data/shots/td_com_home.jpg","menu":"/data/shots/td_com_login_menu.jpg"},"agent":{"finalUrl":"https://www.td.com/ca/en/personal-banking/my-accounts","status":200,"title":"My Accounts | TD Canada Trust","ms":3470,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"declared agent","error":null,"vendors":[],"textPreview":"Skip to main content Personal Selected Small Business Commercial Investing TD Asset Management About TD Search Find Us Help Canada English Login Accounts Credit Cards Mortgages Loans/Lines of Credit Personal Investing Insurance Advice Quick and easy access to "},"browser":{"finalUrl":"https://www.td.com/ca/en/personal-banking/my-accounts","status":200,"title":"My Accounts | TD Canada Trust","ms":3308,"blocked":false,"blockReason":null,"thin":false,"uaLabel":"browser","error":null,"vendors":[],"textPreview":"Skip to main content Personal Selected Small Business Commercial Investing TD Asset Management About TD Search Find Us Help Canada English Login Accounts Credit Cards Mortgages Loans/Lines of Credit Personal Investing Insurance Advice Quick and easy access to "},"botDefense":[],"passkeys":{"found":false,"runtimeObserved":false,"evidence":[]},"fields":[{"type":"text","label":"Search","autocomplete":"off","name":"query"},{"type":"text","label":"Search","autocomplete":"off","name":"query"},{"type":"text","label":"What's your question?","autocomplete":"","name":"question"},{"type":"radio","label":"Yes","autocomplete":"","name":"yes-no"},{"type":"radio","label":"No","autocomplete":"","name":"yes-no"},{"type":"textarea","label":"Please enter your comment.  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You may not access, monitor or copy any content on the Website or any TD Bank Group server using any robot, deep-link, spider, scraper or other automated means or any manual process. You will not attempt to gain una…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers","title":"Legal"},{"type":"prohibitsAutomation","label":"Restricts automated access","excerpt":"…may not access, monitor or copy any content on the Website or any TD Bank Group server using any robot, deep-link, spider, scraper or other automated means or any manual process. You will not attempt to gain…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers","title":"Legal"}],"delegation":[],"thirdParty":[],"dataSharing":[],"ai":[{"type":"ai","label":"Mentions AI or agents","excerpt":"…use. You may not use any content on our Website or any TD Bank Group server to train any artificial intelligence (AI) or a similar system without our express prior written consent. Top C. Email Disclaimer Email…","url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers","title":"Legal"}],"credentialSharing":[{"type":"credentialSharing","label":"Forbids sharing credentials","excerpt":"…you can keep yourself safe from frauds and scams. Safeguard your passwords and logins Never share your passwords or PIN with anyone and always choose different passwords for your devices. Protect your social profiles…","url":"https://www.td.com/ca/en/about-td/privacy-and-security/fraud-protection","title":"Fraud Prevention"}],"documents":[{"url":"https://www.td.com/ca/en/about-td/customer-care/legal-notices-and-disclaimers","title":"Legal","status":200,"textLength":192826,"blockedForAgent":false,"flags":["Restricts automated access","Restricts automated access","Mentions AI or agents"]},{"url":"https://www.td.com/ca/en/about-td/privacy-and-security/fraud-protection","title":"Fraud Prevention","status":200,"textLength":19046,"blockedForAgent":false,"flags":["Forbids sharing credentials"]},{"url":"https://www.td.com/ca/en/about-td/privacy-and-security/how-we-protect-you/online-security-guarantee-guarantee","title":"Security Guarantee","status":200,"textLength":7560,"blockedForAgent":false,"flags":[]}]},"delegates":[],"voice":{"phone":{"e164":"+18662223456","pretty":"+1 866 222 3456","score":6,"context":"asyWeb Messaging Log into EasyWeb Alternatively, you can contact us at the numbers below for support. English 1-866-222-3456 French 1-800-895-4463 Cantonese 1-800-387-2828 option …","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":11,"kind":"customer service"},"candidates":[{"e164":"+18662223456","pretty":"+1 866 222 3456","score":6,"context":"asyWeb Messaging Log into EasyWeb Alternatively, you can contact us at the numbers below for support. English 1-866-222-3456 French 1-800-895-4463 Cantonese 1-800-387-2828 option …","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":11,"kind":"customer service"},{"e164":"+18008954463","pretty":"+1 800 895 4463","score":6,"context":"nto EasyWeb Alternatively, you can contact us at the numbers below for support. 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Mandarin 1-800…","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":8,"kind":"customer service"},{"e164":"+18003631163","pretty":"+1 800 363 1163","score":6,"context":"ontact us Our payment solutions specialists are ready to answer your questions, Monday-Friday 8:00AM – 8:00PM 1 800-363-1163 1 800-363-1163 Have us call you Fill in your informati…","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":7,"kind":"customer service"},{"e164":"+18008383223","pretty":"+1 800 838 3223","score":6,"context":"686 French 1-800-361-2684 514-289-8439 Technical Support (including password resets) 1-800-667-6299 Cantonese 1-800-838-3223 option 1 416-982-8863 604-654-8888 Mandarin 1-800-838-…","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":4,"kind":"customer service"},{"e164":"+18006687328","pretty":"+1 800 668 7328","score":6,"context":"evices TD app For Android devices Alternatively, you can contact us at the numbers below for support. English 1-800-668-7328 French 1-800-567-4455 Legal 1 The TD app is free to do…","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":4,"kind":"customer service"},{"e164":"+18666944392","pretty":"+1 866 694 4392","score":6,"context":"Form English Customer Service (general inquiries) 1-866-694-4392 French Customer Service (general inquiries) 1-866-694-4392 option 2 English Customer Assistance (past due payment …","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":4,"kind":"customer service"},{"e164":"+18338290954","pretty":"+1 833 829 0954","score":6,"context":"Service (general inquiries) 1-866-694-4392 option 2 English Customer Assistance (past due payment inquiries) 1-833-829-0954 French Customer Assistance (past due payment inquiries)…","source":"https://www.td.com/ca/en/personal-banking/contact-us","tollFree":true,"seen":4,"kind":"customer service"}],"status":"partial","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. 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If you choose to stay on the line, your call may take longer to complete.","start":15.3,"end":30.2},{"speaker":"line","text":"Please enter your access card number If you need a moment to locate your card, press the pound key. If you don't have one, press two.","start":32.5,"end":40.1},{"speaker":"line","text":"To hear the options again, press six.","start":40.8,"end":43.1},{"speaker":"assistant","text":"The system requests an access card number or","start":44.3,"end":47.5},{"speaker":"line","text":"To have","start":47.8,"end":48.3},{"speaker":"assistant","text":"to press","start":47.5,"end":48.3},{"speaker":"line","text":"access to our self service options, enter your access card number, and when prompted, enter your phone code. If you need some time, press the pound key.","start":48.3,"end":57.2},{"speaker":"assistant","text":"The system is asking for access","start":59.9,"end":62.3},{"speaker":"line","text":"For","start":62.3,"end":62.5},{"speaker":"assistant","text":"card","start":62.3,"end":62.7},{"speaker":"line","text":"a better easy line experience, try entering your card number one more time.","start":62.5,"end":66.6},{"speaker":"assistant","text":"The system is prompting to enter","start":68.7,"end":71.1},{"speaker":"line","text":"We have not","start":71.5,"end":72.2},{"speaker":"assistant","text":"the card number","start":71.1,"end":72.3},{"speaker":"line","text":"received a response. Your call will be disconnected.","start":72.2,"end":74.9},{"speaker":"line","text":"Please call back if you require further assistance. Or access support through our EasyWeb app.","start":75.6,"end":81}],"summary":"The call was an outbound attempt to TD Canada Trust's EZLine where the system provided a greeting and requested the caller's access card number for authentication. The caller did not provide the requested information, and the system eventually disconnected the call after no response was received. No live agent was reached during the call.","costCents":11.45,"extracted":{"alternate_auth_path":true,"answered":true,"assistant_acknowledged":"not_tested","auth_methods_requested":"access card number; phone code","authorized_agent_path":"not_tested","callback_offered":false,"closed_message":false,"destination":"","emergency_line_offered":false,"first_human_words":"","greeting_summary":"TD Canada Trust greeting with instructions to use the mobile app for faster service and a notice that calls may take longer if staying on the line.","hold_seconds":0,"language_options":false,"menu_option_count":3,"menu_options":"enter your access card number or press pound key; press two if you don't have one; press six to hear options again","observations":"The system provided a clear automated greeting and authentication request but did not recognize any spoken input from the caller. The call ended without reaching a live person or completing authentication. The system did not acknowledge the AI assistant or offer alternative interaction paths beyond the card number entry.","otp_channels":"","otp_without_phone":false,"path_reached_words":"","queue_reached":false,"reached_human":false,"recording_notice":false,"reprompt_count":0,"seconds_to_answer":0.4,"seconds_to_human":0,"seconds_to_path":0,"speech_recognized":false,"system_hung_up":true,"voice_biometrics_prompt":false,"voice_biometrics_required":false,"voicemail_offered":false,"wait_estimate_announced":false,"zero_escape_worked":false},"score":{"points":3.8,"max":5,"verdict":"partial","rationale":"The line answered. It answered in about 0 seconds. The main menu had 3 options."},"recording":{"url":"/data/recordings/td_com_V01.wav","bytes":3961086,"durationSec":82.5}},{"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. Never leave a voicemail message.","status":"ended","startedAt":"2026-10-15T02:20:09.025Z","placedLocal":"Wednesday 10:20 PM Eastern time","retellCallId":"call_bf06d51b825f7e2a87f6fc152b9","disconnectionReason":"agent_hangup","durationSec":15,"transcript":[{"speaker":"line","text":"you for calling TD EZ Line.","start":0.2,"end":1.8},{"speaker":"line","text":"(unintelligible audio)","start":null,"end":null},{"speaker":"assistant","text":"I think","start":6.1,"end":6.9},{"speaker":"assistant","text":"Ending the call as the system did not provide further options.","start":11,"end":15}],"summary":"The call was initiated to TD EZ Line but ended quickly as the system did not provide any options or further interaction. The agent ended the call after a brief exchange with unintelligible audio from the user.","costCents":2.21,"extracted":{"alternate_auth_path":false,"answered":true,"assistant_acknowledged":"not_tested","auth_methods_requested":"","authorized_agent_path":"not_tested","callback_offered":false,"closed_message":false,"destination":"","emergency_line_offered":false,"first_human_words":"","greeting_summary":"Caller greeted with 'you for calling TD EZ Line' but no clear language options or recording notice were provided.","hold_seconds":0,"language_options":false,"menu_option_count":0,"menu_options":"","observations":"The system did not provide any menu options or prompts for the AI assistant caller. The call was very brief and ended by the agent due to lack of system response. There was no opportunity for the AI assistant to interact or be acknowledged.","otp_channels":"","otp_without_phone":false,"path_reached_words":"","queue_reached":false,"reached_human":false,"recording_notice":false,"reprompt_count":0,"seconds_to_answer":0.2,"seconds_to_human":0,"seconds_to_path":0,"speech_recognized":false,"system_hung_up":true,"voice_biometrics_prompt":false,"voice_biometrics_required":false,"voicemail_offered":false,"wait_estimate_announced":false,"zero_escape_worked":false},"score":{"points":1,"max":5,"verdict":"fail","rationale":"The line answered after hours. No security or fraud path was offered after hours."},"recording":{"url":"/data/recordings/td_com_V04.wav","bytes":720702,"durationSec":15}}],"aggregate":{"timings":{"business":{"completed":1,"total":5,"points":3.8,"max":5,"score":76,"verdict":"partial"},"after_hours":{"completed":1,"total":1,"points":1,"max":5,"score":20,"verdict":"fail"}},"completed":2,"total":6,"points":4.8,"max":10,"score":48,"groups":[{"group":"Reach and understand","score":76,"completed":1,"total":2},{"group":"Treat an assistant","score":20,"completed":1,"total":2},{"group":"People and identity","score":null,"completed":0,"total":2}],"verdicts":{"pass":0,"partial":1,"fail":1},"medianSecondsToHuman":null,"totalMinutes":1.6,"biometricsRequired":false,"authorizedAgentPath":"not_tested"},"startedAt":"2026-10-15T02:20:09.007Z","finishedAt":"2026-10-15T15:01:59.802Z","progress":{"done":2,"total":6},"note":null},"timeline":[{"step":"identify","label":"Identify the organization and load the home page","ms":8708,"ok":true},{"step":"robots","label":"Read robots rules for agents, llms.txt and sitemaps","ms":680,"ok":true},{"step":"cards","label":"Look for agent cards, Poppy files, OpenAPI documents and browser tools","ms":3044,"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":4041,"ok":true},{"step":"login_browser","label":"Load the sign in page as a standard browser","ms":3776,"ok":true},{"step":"openbanking","label":"Check developer portals and data sharing programs","ms":122,"ok":true},{"step":"policy","label":"Read terms for automated access and delegation","ms":10799,"ok":true},{"step":"mcp","label":"Probe for MCP servers and check the official registry","ms":18880,"ok":true},{"step":"identity","label":"Discover OAuth and OpenID metadata","ms":18321,"ok":true},{"step":"phones","label":"Find published customer service phone numbers","ms":2464,"ok":true}],"previous":{"generatedAt":"2026-10-11T03:11:11.243Z","score":50,"level":2},"history":[{"at":"2026-10-11T03:11:11.243Z","score":50,"level":2,"levelName":"Legible","cal":1,"doors":{"discover":93,"connect":0,"identity":19,"web":98,"policy":75},"pts":{"robots_assistants":4,"llms_txt":3,"structured_data":0,"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":2,"declared_agent_homepage":3,"signin_reachable":4,"agent_browser_parity":2,"form_semantics":2,"semantic_markup":2,"terms_stance":2,"third_party_rules":3,"ai_position":0}},{"at":"2026-10-15T02:20:08.995Z","score":38,"level":2,"levelName":"Legible","cal":1,"doors":{"discover":93,"connect":0,"identity":0,"web":96,"policy":19},"pts":{"robots_assistants":4,"llms_txt":3,"structured_data":0,"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":4,"agent_browser_parity":2,"form_semantics":2,"semantic_markup":1,"terms_stance":0,"third_party_rules":0,"ai_position":1}}],"brand":{"src":"/data/logos/td_com.png?v=b97f674b","kind":"icon","invert":false,"tile":true,"w":160,"h":143,"source":"wikidata","from":"https://commons.wikimedia.org/wiki/Special:FilePath/Toronto-Dominion%20Bank%20logo.svg?width=900","crisp":true,"v":2},"summary":{"score":38,"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":93,"raw":73,"points":13.9},{"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":96,"raw":80,"points":14.4},{"id":"voice","name":"Voice and IVR","weight":20,"measured":false,"score":null,"points":0,"completed":2,"total":6},{"id":"policy","name":"Policy and governance","weight":10,"measured":true,"score":19,"raw":10,"points":1.9}],"strengths":["Robots policy for user triggered agents","Sign in page loads for a declared agent in a browser","llms.txt guide for agents"],"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":"TD Canada Trust reaches level 2, Legible. Web experience is the strongest area at 96 out of 100. Protocol access is the weakest at 0."},"assistantDay":[{"id":"balance","job":"Check my account","outcome":"partial","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Data sharing: no public program found."},{"status":"partial","text":"Website: the agent reaches the sign in page, and the terms restrict automated access.","detail":"The terms restrict automated access and name no exception for authorized agents."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"dispute","job":"Dispute a charge","outcome":"partial","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"fail","text":"Data sharing: no public program found."},{"status":"partial","text":"Website: the agent reaches the sign in page, and the terms restrict automated access.","detail":"The terms restrict automated access and name no exception for authorized agents."},{"status":"untested","text":"Phone line: not tested yet."}]},{"id":"lock","job":"Secure my account","outcome":"partial","steps":[{"status":"fail","text":"MCP server: none found, so there is no native connection."},{"status":"partial","text":"Website: the agent reaches the sign in page, and the terms restrict automated access.","detail":"The terms restrict automated access and name no exception for authorized agents."},{"status":"fail","text":"Phone line: the call stalls before the task can start.","detail":"The line answered after hours. No security or fraud path was offered after hours."}]},{"id":"rates","job":"Find the best rate","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."}]}]}