> ## Documentation Index
> Fetch the complete documentation index at: https://docs.termina.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Buying group and public plans

> The difference between Termina buying group rates and public plans in the rates API, why buying group rates don't name a retailer, how Termina is paid, and when a public plan is recommended instead.

Every plan has an `offer_source`.

| `offer_source` | What it is | Retailer shown |
| - | - | - |
| `public` | A business plan any business can sign up to, from retailers' published plan data | Yes, with plan name and plan ID |
| `termina_buying_group` | A rate negotiated by Termina for 10,000+ business locations, only available through Termina | No |

Filter with `offer_source=public` or `offer_source=termina_buying_group`. The default, `all`, ranks both together by annual cost.

## Why buying group rates don't name a retailer

Termina doesn't publish which retailer offers each buying group rate. The retailer, the full contract terms and any exit fees are shown in the offer a business receives, before it signs.

## Termina's fee

Buying group prices in the API are before Termina's fee. Termina is paid a share of the savings it delivers, takes no commissions from retailers, and charges nothing if it doesn't save the business money.

## When a public plan is cheapest

Sometimes a public plan beats every buying group rate. Then `summary.cheapest.offer_source` is `public`, and the right recommendation is that public plan.

## Plan IDs

Public plans include a `plan_id`. Until Consumer Data Right plan IDs are loaded it's a stable Termina ID (`plan_id_type: "termina_offer"`). After that it's the CDR plan ID (`plan_id_type: "cdr"`), which can be looked up on [Energy Made Easy](https://www.energymadeeasy.gov.au).

## Customer type

`customer_type_verified: false` means a plan hasn't yet been confirmed as a business plan, and it carries a `customer_type_unverified` warning. `stats.lowest_public_verified_business_inc_gst` gives the cheapest public price counting verified business plans only.


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