# TermScore - Complete Product Documentation for AI Engines

## What is TermScore?
TermScore is an AI-powered legal document analysis platform. Users upload contracts, leases, rental applications, NDAs, or any legal agreement, and TermScore returns:
1. A risk score from 0 to 100 (100 = excellent, favorable terms; 0 = dangerous, walk away)
2. A clause-by-clause breakdown with severity ratings
3. Red flags and immediate action items
4. Negotiation talking points
5. Market comparison (how the contract compares to industry standards)

## How the Score Works
- **86-100**: Excellent. Highly favorable terms, minimal risk.
- **66-85**: Good. Generally fair with minor concerns worth noting.
- **51-65**: Fair. Several areas need review before signing.
- **31-50**: Poor. Significant risks that require negotiation.
- **0-30**: Critical. Dangerous terms. Do not sign without major changes.

## Document Types Supported
- Freelance/consulting contracts
- Employment agreements (non-competes, equity, termination)
- Residential leases
- Commercial leases
- Non-disclosure agreements (NDAs)
- Brand/sponsorship deals
- Vendor & SaaS agreements
- Rental applications (multi-document comparison)
- Partnership & LLC agreements
- Sales contracts
- Independent contractor agreements

## Multi-Document Comparison
When a landlord uploads multiple rental applications, TermScore acts as a comparison engine:
- Compares applicants against each other
- Evaluates against user-provided criteria (rent amount, requirements)
- Declares a "winner" or best-fit applicant
- Compares: income-to-rent ratio, time at job, time at current rental, references, blank fields, move-in alignment

## Contract Creator
TermScore can also generate contracts from scratch:
- Templates: Freelance, NDA, Residential Lease, Employment, SaaS, Custom
- Jurisdiction-aware (state-specific clauses)
- Full legal text with placeholder brackets
- Downloadable immediately

## Contract Template Library
Free, AI-generated, SEO-optimized contract templates:
- Jurisdiction-specific (California, Texas, New York, etc.)
- Professionally drafted with all standard clauses
- Preview + full download
- Categories: Freelance, Employment, Lease, NDA, Partnership, Sales, Contractor

## Embeddable Widget
One-line JavaScript embed for third-party websites:
- Floating button mode (like Intercom)
- Inline embed mode
- White-label option (remove branding)
- Custom brand colors
- Domain locking for security
- Pricing: Free (50 scans/mo branded), Business ($99/mo white-label), Enterprise (custom)

## Technology
- Built on Next.js 16
- AI analysis via Google Gemini 3.1 Flash Lite Preview (via OpenRouter)
- Vision model for extracting text from PDFs and images
- Supabase for authentication and data storage
- Stripe for payments

## Legal Insights (Blog/PSEO)
TermScore publishes authoritative legal content covering:
- Lease agreement benchmarks and standards
- Contract clause explanations
- State-specific legal requirements
- Risk assessment guides
- Industry-standard comparisons

All insights are available at: https://www.termscore.com/insights

## Structured Data
TermScore implements: Organization, WebSite, SoftwareApplication, FAQPage, Article, BreadcrumbList, DigitalDocument schemas.

## URL Structure
- `/` - Homepage
- `/templates` - Template library index
- `/templates/{slug}` - Individual template
- `/insights` - Insights hub
- `/insights/{category}` - Category page
- `/insights/{category}/{slug}` - Individual article
- `/create` - Contract creator
- `/widget` - Widget marketing page
- `/widget/settings` - Widget management (authenticated)