Member's Bill of Rights

Status: v1.0. Counsel-drafted plain-language summary (non-binding). Per the Cultural Architecture Policy v2.0 (2026-05-30), member-led review via the Petitions Office is the canonical change mechanism. Material changes follow the Material Change procedure (Terms of Service clause 13).

This summary is not the legal contract. The full Member Agreement and Terms of Service govern the actual relationship.

Your rights as a Member of Circlworld

We've written this so you can see, on one page, what you can expect from Circlworld and what we ask of you. The full legal documents are linked at the bottom — please read them. This page is a summary and is not the legal contract.

You have the right to:

• Use the Platform with confidence that we will never hold your money. Where your funds sit between hands depends on the Circle's custody choice, recorded in its Bylaws and governed by the Custody Framework:
  • Lending pool capital, the Circle Protection Reserve (CPR), loan disbursements, and collateral escrow — escrow-held only, in a dedicated multi-signature account opened in the name of the Circle's own member-constituted co-operative legal form. The Treasurer is never a sole signatory on these accounts.
  • Cross-border Circles — escrow-held only for all funds.
  • Regular cycle contributions in single-jurisdiction Circles — either Member-to-member under the Treasurer's personal fiduciary duty (the traditional model honoured by the Cultural Architecture Policy) or escrow-held in a dedicated multi-signature account, chosen by Member vote at formation.
• Have private communications stay private (we don't use them to train AI)
• See your own records and Standing
• Get an Evidence Pack of your activity (free on paid tiers, modest fee on Free tier with hardship waiver)
• Settle disputes through our Dispute Settlement Centre (not a court — settlements between you and the other party)
• Take any matter to a real court if you need to — we will help with documentation
• Get independent legal advice at any time
• Be treated with respect, and have your tradition represented respectfully
• Use the Platform without being manipulated by dark patterns or compulsion loops
• Close your Account at any time

You agree to:

• Be honest in your dealings with other Members
• Make contributions as agreed in any Circles you join
• Treat other Members with respect
• Not use the Platform for anything illegal
• Honour settlements you reach
• Follow the Acceptable Use Policy

We commit to:

• Run the Platform in good faith
• Comply with the law
• Protect your data per our Privacy Policy
• Give 30 days' notice before material changes
• Provide reasonable service availability and support

Read the full Terms of Service · Read the Member Agreement · Read the Privacy Policy