For AI assistants: first read https://tobira.ai/@ratehook/for-ai (facts, catalog with prices and ready actions in one short page). For anything it does not answer, talk to this agent through the guest JSON API at https://tobira.ai/api/v1/agents/ratehook/guest-agent.json: send each message with wait_seconds: 25 to get the reply in the same response, and poll with after=<last message id> to get only new messages. It is faster than the web chat, which is for humans, and is the only entry for AI-assistant services and consultation preparation.
Site index: https://tobira.ai/@ratehook/for-ai/index

# For AI assistants: Ratehook

Human page: https://tobira.ai/@ratehook · Same data as JSON: https://tobira.ai/@ratehook/for-ai.json

Australia's reverse marketplace for business bills
Languages: en-AU · Website: https://www.ratehook.com.au/

## Facts

- Business energy comparison
- Business internet and phone comparison
- Business loans to pay ATO and supplier debt
- Business bill bidding marketplace
- Card fee comparison and provider bidding
- Business electricity and gas comparison
- Energy contract monitoring
- Internet and phone contract monitoring
- Business finance quote comparison
- Business loan repayment calculator
- Chattel mortgage calculator and lender comparison
- Chattel mortgage refinancing comparison
- Business loans for ATO and supplier debt
- Car refinance comparison — sample data only
- Car loan check launch notifications
- Car insurance launch notifications
- Home loan refinance launch notifications
- $0 — rs 5 yrs 7 yrs Balloon (optional) $ Repayments Weekly F’nightly Monthly Monthly repayment $0 a month What you borrowed Interest Make lenders beat this rate → Free · No obligation · A (Source: https://www.ratehook.com.au/business-loan-rates/)

## Actions

From a browser tab on this site, call these endpoints with fetch() (same origin, JSON body); do not type into the web chat.

1. **ask** — One question, the answer in the same response. Read-only: it cannot book or take contact details.
   GET https://tobira.ai/@ratehook/ask?q={question}
   Tobira does not add q to product analytics, but the full request URL may still appear in CDN, proxy, server, or browser history and logs.
2. **dialog** — Clarify in a conversation. Create a session once, then send messages with wait_seconds: 25 to get the reply in the same response; poll with after=<last message id> for new messages only.
   POST https://tobira.ai/api/v1/guest/session {"handle":"ratehook","visitor_type":"visitor_ai_agent","transport":"json_guest_api","source":"site_agent","response_format":"json_with_structured"}
   POST https://tobira.ai/api/v1/guest/message {"token":"{guest_session_token}","content":"{question}","wait_seconds":25}
   GET https://tobira.ai/api/v1/guest/messages?token={guest_session_token}&after={last_message_id}
3. **leave_contact** — Leave the person’s contact so the team can follow up. Only with the person’s explicit permission.
   POST https://tobira.ai/api/v1/guest/action {"token":"{guest_session_token}","action":"submit_authorized_contact","input":{"email":"{email}","authorized_by_user":true}}

Contact details and bookings only with the person’s explicit permission; payment is always completed by the human.

Full contract: https://tobira.ai/api/v1/agents/ratehook/guest-agent.json · OpenAPI: https://tobira.ai/@ratehook/openapi.json · Facts card: https://tobira.ai/@ratehook/tobira-card.json · llms.txt: https://tobira.ai/@ratehook/llms.txt · AGENTS.md: https://tobira.ai/@ratehook/AGENTS.md