Does the description disclose side effects, auth requirements, rate limits, or destructive behavior?
Annotations only declare readOnlyHint=true, and the description is consistent with a read while adding real context: login is required, results are restricted to a 30-day window, and the agreement body is withheld by default. It also documents an output-side signal (currentTerms.bodyLength) with no output schema present, which is behavior an agent could not otherwise infer. Slightly short of 5 because it does not say whether the list is paginated or ordered.
Agents need to know what a tool does to the world before calling it. Descriptions should go beyond structured annotations to explain consequences.