The foundational documents of Circlworld.

How the Platform is provided, your rights as a consumer, account creation, AML/KYC, payment-services positioning, and Material Change procedures.

Earlier draft that would have applied a universal escrow rule to all circle contributions. SUPERSEDED by the Custody Framework Charter v1.0 (three-category model: Category A is Member-to-member or escrow-held by Member vote; Categories B and C are escrow-only). A new Terms v2 amendment will be drafted to align with the Framework. The original draft is retained for change-history.

The framework for how Members coordinate Circles together — the Inter-Member Contract, the Framework Contract with Circlworld, mediation privilege, Standing, and the Member Activity Record.

What Personal Data we process, why, who we share it with, how long we keep it, and how to exercise your rights under UK GDPR.

Eight amendments to the live Treasurer Partner Agreement v1.0: new §1.6 Bylaws-defined Treasurer duties; new §3.5 Treasurer professional autonomy; §5 entire rewrite to cite the Custody Framework's three categories (replaces the deprecated member-to-member single-model); §4.7 Treasurer-issued invoices; new §6.3 Code of Conduct + Custody Framework acknowledgement; §9.4 peer + Member panels for conduct violations; §13.2 Selection Committee finding for material termination; §16.1 Treasurer Council consultation for parameter changes. UK and Jamaica jurisdictions.

Standard Consumer Contracts Regulations form for exercising the cooling-off cancellation right.

What you can and cannot do on the Platform, including Online Safety Act 2023 provisions.

The role of a Treasurer in a Circle, the Treasurer Partnership Programme (TEP), and the platform-economy positioning of Treasurer compensation.

The four KYC levels, what each unlocks, and the source-of-funds thresholds for higher-value activity.

The third-party services Circlworld uses to operate the Platform, with the Personal Data categories each receives. Maintained current.

How the Standing is calculated, what it reflects, and what the Platform never does with the data.

The five Operating Principles — non-custodial, cultural integrity, communication isolation, additive development, member protection — expressed as values.

A one-page plain-language summary of what you can expect from Circlworld and what we ask of you. Not the legal contract.

How the Dispute Settlement Centre operates — the five rooms, the procedure from concern to recommended outcome, mediation privilege, and the case-by-case handling of tradition-specific context per Circle Bylaws.

The Wellbeing Centre — what the Wellness Check is and is not, what Care Concierge does, and the communication-isolation guarantee.

The platform's commitments on editorial accuracy when representing savings traditions, and the member-led practice principles (circle bylaws, Town Hall, Dispute Settlement Centre) through which cultural specificity is honoured. v2.0 retired the Cultural Advisor authority layer.

The constitutional commitment governing when, how, and under what guarantees CirclAI is permitted to act unattended on Members and money-adjacent communications. Establishes the invariant that no fact, decision, recipient, or amount in an auto-executed action ever originates from the language model. Codifies the six-stage pipeline (catalogue → trigger → resolve → render → validate → dispatch), the action catalogue (the capability gate), the never-built actions absent from the dispatcher by construction (move/disburse funds, approve a loan, count a vote, remove a member, decide a dispute, change governance, change Standing or certification), the validators (schema, fact-consistency, no-fabrication, policy, bounds), the cross-cutting controls (idempotency, rate limits, circuit breaker, audit log, reversibility, kill switches), and the empirical promotion process (eval set + shadow mode + canary, per-action-type) by which an action type earns Full Auto eligibility. Companion engineering implementation brief at docs/architecture/circlai-full-auto-reliability-layer-implementation-brief-v1.md.

How the Pulse event bus works — what events flow through it, who sees which event on which surface, and what is never used to train AI.

The audited record family — Trust Passport, Credibility Report, Member Activity Record — and how each is generated, priced, and used. Includes the Hardship waiver and Legal Proceedings discount pathways. Supersedes the Evidence Pack Methodology (28 May 2026).

The compact audited record. Standing tier, KYC level, tenure, current Circle participation. One to two pages. Designed for a landlord screen, an employer soft-check, a community-organisation introduction. Inherits the audit + verification rail (TP-XXXXXXXX) from the MAR Methodology. Pricing: not on Free; £4.99 on Credit Builder; included on Pro / Business. 90-day validity.

How the Treasurer Partnership Programme works — the platform-economy positioning of Treasurer compensation, the residual structure, and the relationship between TEP and Treasurer recognition tier progression.

A one-page navigational companion to the seven Treasurer-architecture documents (Custody Framework, Code of Conduct, TEP Methodology v2 rider, Treasurer Agreement v2 rider, Treasurer Council Charter, Selection Committee Charter, Certification Scholarship Pool Operating Procedure). Tells a Member, a prospective Treasurer, counsel, or an external reviewer which document answers which question — with reading paths for each audience and a diagram showing how the seven documents interlock.

The three-category custody architecture cited by every custody-touching document on the platform. Category A (regular cycle contributions): Member-to-member OR escrow-held, chosen by Member vote at Circle formation, recorded in the Bylaws — single-jurisdiction only for Member-to-member. Category B (loan accounts + CPR): escrow-only, never subject to Member vote. Category C (cross-border Circles): escrow-only, never subject to Member vote. Honours the Cultural Architecture Policy v2.0 — Members decide the custody practice that fits their context for Category A; the constitutional rules govern Categories B and C.

The profession's standards a Treasurer accepts when they take on the role — fiduciary care for Members' interests, custodianship of trust under the Custody Framework, communication isolation, cultural humility, mediation as first response, transparency in conduct. Signed at each certification; profession-led compliance (Treasurer Council + Selection Committee). Designed to support the independent-contractor framing per Uber BV v Aslam [2021] UKSC 5.

Six amendments to the live TEP Methodology v1.0: new §1.4 Treasurer professional autonomy (Uber-protective); §4.1 Treasurer-issued invoices for fees (contractor's standard); §6.2 peer + Member governance for tier decisions (Treasurer Council + Selection Committee, not Circlworld staff); §6.4 removal procedure with Selection Committee finding required; §7.1 certification fee schedule with business-expense framing + TEP-deduction option + scholarship pool; cross-references to Custody Framework + Code of Conduct.

The peer body of currently-serving Treasurers — seven members elected for staggered two-year terms — that administers routine compliance review, recommends on Programme parameter changes, and nominates senior Treasurers to the Selection Committee. The profession's first-instance governance body. Cited by the TEP Methodology v2 Amendment Rider and the Treasurer Agreement v2 Amendment Rider.

Constitutional specification of the four categories of Treasurer governance rights — Town Hall participation with tier-weighted votes on Treasurer-affecting matters, 30-day consultation through the Treasurer Commons before material amendments, a 5-member elected Treasurer Advisory Board, and a Community Participation Pool reserved at 1% for future allocation at operational maturity (500 Treasurers + 10,000 Members + 24 months Treasurer Partnership Programme operation). The structural Uber v Aslam defence — Treasurers as Community Stakeholders, not workers under management.

The independent panel — two senior Treasurers, two Members, one independent Chair — that adjudicates material Treasurer decisions (high-tier promotions, demotions below Community Organiser, removals from the TEP, material Code of Conduct breach). Constituted per proceeding; full procedural protections for the affected Treasurer; right of appeal to the Dispute Settlement Centre. Cited by TEP Methodology v2, Treasurer Agreement v2, and the Treasurer Code of Conduct.

The academic-quality governance body for Circl Academy. Five-person panel: two currently-serving Treasurer Council Members + one Member representative nominated by Town Hall + one subject-matter advisor drawn from a rotating panel of tradition-holders (Pardna, Susu, Chama, Ajo, Kameti, Hui, Tanda, Paluwagan) + one independent Chair from the Help Office's senior education panel. Mandate: annual course review; MCQ bank refresh oversight (12-monthly; 30% maximum rotation per refresh); case-study grader rubric maintenance and quarterly grader-consistency sampling; pass-mark calibration (set on competence requirements, NOT outcome curves); Scholarship Pool parameter review (with the Pool's three-person award panel); annual public outcome reporting (pass rates, retake rates, grade distributions, scholarship awards, demographic patterns). Intentionally distinct from the Treasurer Council (professional conduct) and the Selection Committee (material Treasurer decisions). The Council's authority stops at course content + assessment quality + fee thresholds + outcome reporting; it does not adjudicate individual matters.

The unified catalogue for Circl Academy. Indexes the four certifications (Foundation, free, open to every Member; Intermediate Treasurer Certification, £25, Tier 1 → Tier 2 gating qualification; Advanced Treasurer Certification, £150, Tier 3 → Tier 4; Multi-Jurisdictional Treasurer Certification, £400, Tier 4 → Tier 5 — 12-week live cohort). Describes the Pedagogy Council governance, fee structure with Scholarship Pool, TEP-deduction option, pedagogy principles, and continuing-development model. Each individual course's module outline + MCQ bank lives in its own document linked from the Catalogue and from the Academy district landing.

Operating procedure for the scholarship pool that covers first-attempt Treasurer certification fees for Members in jurisdictions where the absolute fee would otherwise function as a filter. Funded from 5% of Tier 4 fees, optional Member donations through a dedicated Storefront SKU, and a £10,000/year platform commitment. Awarded by a three-person panel of one peer-Treasurer, one Member, and the Help Office administrator. Cited by TEP Methodology v2 §7.1(h).

SUPERSEDED by Treasurer Pricing Structure v2.0 — see /treasurers/pricing for the canonical operational reference. The Service Fee Framework's Treasurer-set-rate-within-band mechanic is replaced by tier-locked subscriptions (£25 / £45 / £75 / £125 / £200) with Treasurer Partnership Programme allocation rates fixed per tier (15/18/20/22.5/25%) and compound subscription routing. The Uber v Aslam substance-over-form reasoning is preserved. This Charter is retained in the record as a constitutional document but is no longer the operative reference. Original description: constitutional document establishing the compound subscription mechanism by which Treasurers earn from their Members directly, with the platform acting solely as payment processor that routes the agreed split.

Constitutional design principle for Member voting on Circlworld: tick-box default + deep-dive opt-in. The platform's existing proposal + deliberation infrastructure is preserved unchanged for Members who want depth, but the DEFAULT Member-voting UX is a simple yes/no tick-box. Both surfaces submit the same vote against the same governance rules. The tick-box default surface is /me/pending-votes; the deep deliberation surface remains at /circles/[id]/proposals/[propId] one click away. Per Drew's 2026-06-04 directive — the long deliberation approach exists for Members who want involvement; most don't; forcing the long approach as the default could put Members off using the platform.

Plain-language walkthrough of the two-surface voting UX. The tick-box at /me/pending-votes (yes/no in seconds), the deep proposal page one click away. ASCII rendering of the actual tick-box card. What appears on the tick-box and what is deliberately NOT shown (running tally, proposer identity, AI recommendations). When the deep page is the right choice. What is preserved unchanged (governance rules, deep page substance, reason-attachment via deep page). Companion to the Charter.

Constitutional document establishing the baseline bylaws that apply to every Circle from the moment of commencement. The Default codifies the platform's standard requirements: CPR contribution rate (10% floor, 25% catastrophic ceiling), dual-attested contribution + payout confirmation (14-day window), mediation pathway through the DSC, Custody Framework linkage (Category A vote + B/C escrow-only), Treasurer Code of Conduct binding by reference, Member departure categories (voluntary/for-cause/catastrophic), anti-coercion principles, communication-isolation protections. The three-layer model: Default (always present) + Tradition Overlay (optional Founder choice from the reviewed catalogue) + Circle Customisations (Member-amended over time). Reserved provisions cannot be overridden by Overlay or Customisation. Per Drew's 2026-06-04 directive — no more 'building bylaws from scratch.'

Plain-language walkthrough of the Platform Default Bylaws. The three-layer model (Default · Tradition Overlay · Circle Customisations) surfaced in a deep-purple band, what the Default covers (eight areas — CPR, contribution + payout confirmation, mediation pathway, custody, Treasurer Code of Conduct, Member departure, anti-coercion, communication-isolation), reserved-vs-permissive labelling on each, the change from the prior template-AS-bylaws model. Companion to the Charter.

Constitutional document establishing the Member-voting tier progression mechanism. The Tier Algorithm v1.2 continues to compute eligibility against documented threshold criteria; when criteria are met, the algorithm produces an 'eligible' status. Tier promotion is then confirmed by the Treasurer's Members through a simple yes/no attestation vote with 60% quorum and 60-90% yes-threshold scaling by tier. The platform implements the Member-decided outcome but does not confer the tier. Same mechanism applies in reverse for demotion (50% retention threshold) and annual maintenance (50%/50%). Exceptional categories (criminal conduct, regulatory disqualification, AML breach, public-disrepute behaviour) remain platform-decided. Designed against Uber BV v Aslam [2021] UKSC 5 factors 3 and 4.

Plain-language walkthrough of how Members confer tier promotion. The single binary attestation interface (yes/no — no campaigning, no comment threads), confidentiality (your individual attestation is confidential to the platform; Treasurer sees only aggregate counts), eligibility rules (currently or within prior 12 months in a Circle the Treasurer administers; 30-day minimum; no open dispute), quorum + threshold rules per tier, what this attestation is NOT (not a complaint mechanism — that's the DSC; not a re-check of the algorithm; not exceptional matters), demotion and maintenance votes. Companion to the Charter.

SUPERSEDED by Treasurer Pricing Structure v2.0. The /learn route is preserved as a superseded notice that routes the reader to /treasurers/pricing for the current canonical reference. The new structure replaces the Treasurer-set-rate-within-band mechanic with tier-locked subscriptions (£25 / £45 / £75 / £125 / £200) and Treasurer Partnership Programme allocation rates fixed per tier (15/18/20/22.5/25%).

Plain-language walkthrough of the Treasurer Code of Conduct's six pillars (fiduciary care, custodianship of trust, communication isolation, cultural humility, mediation as first response, transparency). Each pillar with: what it asks of you, an example from practitioner practice (the situation + the right response + why it matters), common pitfalls, and a reflection prompt. Read before you sign at each tier certification; revisit when you face a difficult decision. Companion to the Charter at /charter-hall/treasurer-code-of-conduct.

Plain-language Member-facing guide to the Treasurer Qualification Gate. The seven conditions every Treasurer meets per permission tier (identity, Standing, certification, prior tier, agreement, clean record, fee); the three tiers (T1 Circle Treasurer, T2 Coordinator, T3 Federation Coordinator); the constitutional invariant ('payment is necessary, never sufficient'); a typical T1 path from Member to qualified Treasurer; the boundary (what the gate does NOT grant — fund-movement, loan-approval, dispute-decision authority remain with Custody Framework + Lending Committee + Selection Committee). Companion to the engineering brief at docs/architecture/treasurer-qualification-gate-implementation-brief-v1.md.

Plain-language walkthrough of the Treasurer Council. What the Council is (seven elected Treasurers, staggered two-year terms, peer body); the eight-area mandate (routine compliance review, aggregate tier-progression review, programme parameter consultation, mentor-scheme oversight, Selection Committee nominations, Code of Conduct amendment proposals, Pedagogy Council representation, annual review report); what the Council deliberately does NOT decide (individual tier moves, individual conduct sanctions, fund movement, dispute mediation, platform governance); how elections work (registration → public register → STV ballot → balance check → results); how non-Treasurer Members participate (read the register, read the annual review, become a Treasurer to vote, raise individual concerns at the DSC not the Council). Companion to the Charter at /charter-hall/treasurer-council.

Plain-language walkthrough of the Selection Committee. What the Committee is (a five-person panel constituted per-proceeding — two senior Treasurers + two Members + one independent Chair); the five categories of material decisions it makes (high-tier promotions, demotions below Community Organiser, removals from the TEP, material Code of Conduct breach findings, Council appeals); what it does NOT decide (routine tier progression, Circle disputes, regulatory matters, parameter changes); the eight procedural protections for the subject Treasurer (written notice, evidence access, written response, in-person hearing, representation, witnesses + cross-examination, reasoned written decision, right of appeal); the default timeline; what is published vs confidential; why this matters to Members (Circlworld is not the decision-maker). Companion to the Charter at /charter-hall/selection-committee.

Plain-language walkthrough of the Pedagogy Council. The academic-quality body for Circl Academy — five seats (2 Treasurer Council representatives + 1 Member representative + 1 subject-matter advisor + 1 independent Chair). The constitutive commitment: pass marks are set on competence requirements, not outcome curves. The six-area mandate (annual course review, MCQ bank refresh with 30% maximum rotation, case-study grader rubrics, pass-mark calibration, Scholarship Pool oversight upstream, annual public outcome reporting). The five boundaries (no individual candidate decisions, no professional-conduct adjudication, no Member dispute mediation, no platform pricing or product direction, not subordinate to the Treasurer Council). How Members participate — read the outcomes, apply for the Member representative seat, sit on the tradition-holder panel, take a certification. Companion to the Charter at /charter-hall/pedagogy-council.

Plain-language framing for the Lending Center — what co-operative lending is, who actually lends (the circle / federation, through its own member-constituted co-operative legal form; never Circlworld; bank or credit union is account provider only and is never the lender), how the levels (L0 / L1 / L2) work, what collateral is required when, and how disputes are settled. The binding documents live in /legal/lending-*.