Circlworld — Your savings group, on the record.

Disputes happen. Members disagree about payments, rotation fairness, rule changes. These are normal human conflicts in a financial arrangement. Your role is first responder, not judge. Listen to both sides. Check the platform data. Attempt to facilitate a resolution. If you cannot resolve it, escalate to the platform's dispute resolution process. The process has five stages: Stage 1 — AI Triage. Circa analyses the dispute, reviews evidence, and produces a preliminary recommendation. This is a starting point, not a decision. Stage 2 — Evidence Disclosure. Both parties submit evidence through the platform. Each side sees the other's submission. Transparency is the foundation of resolution. Stage 3 — Member Vote. For disputes affecting the whole circle, members vote. 60% quorum required, two-thirds supermajority to act. Stage 4 — Platform Resolution. If voting does not resolve it, the platform's resolution team reviews and issues a binding recommendation. Stage 5 — Exit. If a member cannot accept the outcome, they may exit the circle with financial settlement per the exit rules. What NOT to do: take sides before hearing both perspectives, make financial decisions without member consent, threaten removal without following the process, or discuss the dispute with uninvolved members.

Handling disputes

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