Private Membership Association Agreement

Preamble

This Private Membership Association Agreement ("Agreement") establishes the terms and conditions of membership in WhiteRock PMA ("the Association"), a private membership association organized under the common law rights of free people to associate privately.

WhiteRock PMA exists to facilitate a regenerative economic ecosystem where value circulates among members rather than being extracted. The Association operates in service of human flourishing and the realization of each member's full potential.

Article I: Definitions

Article II: Purpose & Mission

The Association exists to:

1. Facilitate Human Flourishing: Connect Members with coaches, services, products, and resources that support the realization of their full potential.
2. Create Regenerative Economics: Establish an economic ecosystem where value circulates among Members rather than being extracted by external parties.
3. Advance Conscious Technology: Develop and deploy artificial intelligence systems that serve human wellbeing and operate with increasing consciousness and alignment.
4. Build Community: Foster a supportive community of Members committed to personal growth, mutual benefit, and collective flourishing.

Article III: Membership

3.1 Eligibility

Membership is open to any natural person who:

• Is at least 18 years of age
• Agrees to abide by this Agreement
• Shares the Association's commitment to regenerative economics and human flourishing
• Has not been previously expelled from the Association

3.2 Membership Rights

Members are entitled to:

• Participate in the Association's ecosystem and services
• Earn, hold, and use FP Credits within the ecosystem
• Be matched with Providers through Full Potential AI
• Offer services as a Provider (subject to approval)
• Participate in governance through the Member Assembly
• Access the Association's resources, research, and community

3.3 Membership Responsibilities

Members agree to:

• Act in good faith in all dealings with other Members
• Maintain the confidentiality of Association matters
• Support the regenerative mission of the Association
• Resolve disputes through the Association's internal processes
• Not engage in fraud, deception, or harmful conduct toward other Members

Article IV: FP Credits

4.1 Nature of Credits

FP Credits represent participation benefits within the Association's private ecosystem. They facilitate value exchange among Members without creating the regulatory obligations associated with currency or securities.

4.2 Earning Credits

Members may earn FP Credits through:

• Welcome Bonus: New Members receive 10 FP Credits upon joining
• Referrals: 25 FP Credits for each new Member referred
• Donations: Credits issued in recognition of donations to Cora Nation (1:1 ratio)
• Positive Outcomes: Bonus credits for successful service completions
• Contributions: Credits for contributing to the Association's mission
• Receipt Reimbursement: Credits for approved external purchases

4.3 Using Credits

FP Credits may be used to:

• Purchase services from Provider Members
• Access products in the Association marketplace
• Participate in programs, courses, and retreats
• Transfer to other Members

4.4 Credit Stability

The Association maintains reserves and implements mechanisms to support Credit stability, but makes no guarantees regarding Credit value. Credits may be exchanged for USD through Association-approved processes, subject to availability and applicable fees.

Article V: Providers

5.1 Provider Approval

Members wishing to offer services must apply and be approved as Providers. The Association reviews applications for alignment with mission, quality of offerings, and member safety.

5.2 Provider Commission

5.3 Provider Standards

Providers agree to:

• Deliver services as described and promised
• Maintain appropriate credentials and qualifications
• Respond to Member inquiries in a timely manner
• Accept the Association's dispute resolution process
• Uphold the regenerative values of the Association

Article VI: Governance

6.1 Structure

The Association operates under a three-tier governance model:

• Cora Nation Council: Provides spiritual guidance and mission alignment
• WhiteRock Member Assembly: Democratic input on major decisions
• Operational Committees: Day-to-day execution and management

6.2 Decision Making

Major decisions affecting the Association require consultation with the Member Assembly. Operational decisions are made by designated committees under the guidance of the Council.

Article VII: Dispute Resolution

Members agree to resolve disputes through the Association's internal processes before seeking external remedies. The dispute resolution process includes:

1. Direct Communication: Parties attempt to resolve the issue directly
2. Mediation: Association-facilitated mediation with a neutral party
3. Arbitration: Binding decision by an appointed arbitrator

By joining the Association, Members waive the right to participate in class actions against the Association and agree to individual arbitration for unresolved disputes.

Article VIII: Privacy & Data

The Association collects and uses Member data to facilitate matching, improve services, and operate the ecosystem. Members retain ownership of their personal data and may request deletion upon exit from the Association.

The Association does not sell Member data to third parties. Data may be used to train AI systems that serve the Association's mission, with appropriate anonymization.

Article IX: Termination & Exit

9.1 Voluntary Exit

Members may exit the Association at any time by providing written notice. Upon exit, Members may:

• Transfer remaining Credits to another Member
• Request Credit-to-USD conversion (subject to 10% fee and 30-day processing)
• Donate remaining Credits to the Association

9.2 Involuntary Termination

The Association may terminate membership for violation of this Agreement, fraud, or conduct harmful to other Members. Terminated Members forfeit remaining Credits unless the termination is appealed and overturned.

Article X: Disclaimers

Article XI: Amendments

This Agreement may be amended by the Association with notice to Members. Continued participation after notice constitutes acceptance of amendments. Members who do not accept amendments may exit under Article IX.

Article XII: Acceptance

By completing the membership intake process, you acknowledge that you have read, understood, and agree to be bound by this Agreement. You affirm that you are joining the Association voluntarily and understand the nature of FP Credits as membership benefits rather than currency or securities.