docs: initial product stub

PRIVACY.md

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+# Privacy Policy
+
+CircuitForge LLC's privacy policy applies to this product and is published at:
+
+**<https://circuitforge.tech/privacy>**
+
+Last reviewed: March 2026.

README.md

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-# harrier
+# Rufous — Insurance Navigation
 
-harrier by Circuit Forge LLC — Insurance — prior auth, claim disputes, EOB reconciliation, appeals
+> *Part of the Circuit Forge LLC "AI for the tasks you hate most" suite.*
+
+**Status:** Backlog — not yet started. Peregrine must prove the model first.
+
+## What it does
+
+Rufous handles the full insurance fight: prior authorization tracking, claim dispute drafting, EOB (Explanation of Benefits) reconciliation, internal and external appeal letters, and state insurance commissioner complaints.
+
+## Why it is hard
+
+Insurance disputes are engineered to be abandoned:
+- Prior auth processes have no standard timeline or format across insurers
+- EOBs are intentionally opaque — reconciling them against bills requires expertise
+- Appeal deadlines are short (30–60 days internal, 4 months external)
+- The regulatory landscape is complex: state insurance codes, ACA requirements, ERISA for employer plans
+
+## Core pipeline
+
+```
+Log claim / denial / prior auth request
+→ AI analyzes EOB + denial reason → Drafts appeal with clinical rationale
+→ Human review + attach supporting docs → Submit appeal
+→ Track deadline + escalation windows → External appeal / commissioner complaint if needed
+```
+
+## Product code (license key)
+
+`CFG-RFUS-XXXX-XXXX-XXXX`
+
+## License
+
+Discovery pipeline: **MIT**. AI assist features: **BSL 1.1** (free for personal non-commercial self-hosting; converts to MIT after 4 years).