⚖️The LifeDAO Terms & Conditions

The Association Model membership contents	Association communication channels: digital communication groups on external platforms, to access other Members, community ambassadors and others, for mutual learning and support. Association training modules: The Association will make available to eligible members on-line learning tools, including but not limited to seminars and on-line events. Farewell Services: Members may opt into this service to cover funeral arrangements and international body transport. Services may extend to family dependents under certain conditions. Community Life Fund: A mutual protection fund designed to provide financial support through a Life Benefit payment to families of deceased Members, where a financial payment is made to designated beneficiaries in the event of the Member’s passing. The level of the financial support is not guaranteed and is based on eligibility and available funds. Prepaid Crypto Payment Card: Eligible Members can obtain a card that allows them to spend stable coins as fiat globally. This is subject to identity verification, partner availability, and regulatory requirements. Collective Savings & Investments: Members can participate in vetted, fractionalized savings and investment pools with low entry requirements. Investments are selected through a member-governed vetting process and are designed to be Shariah-Compliant.
Contract Term	The Association membership contract term is one year
Contract Renewal	The membership is renewed annually once the annual Dues are paid on time.
Grace Period	28-day grace period, the Contract will be automatically cancelled If contributions are not paid within the grace period, and 100% of the Member's tokens will be burned immediately. If annual Dues are not paid within the Grace Period, the membership cancellation includes cancellation of any additional services including but not limited to Farewell Service and Community Life Fund Services, as applicable.
Member Eligibility	To become a member of The LifeDAO Association, you must: Be at least 18 years old. Provide accurate and complete information during the registration process. Membership is open to individuals regardless of nationality or residency. By becoming a member, you acknowledge and consent to the collection and use of your data as described in our Privacy Policy.
Membership Contributions	The Currency under this agreement is USDC
Membership Cessation	Members may terminate their membership at any time. No refunds are issued for unused Dues. The Association reserves the right to suspend or terminate membership for: Breach of terms, Non-payment of Dues, Fraudulent activity, Harmful conduct within the community
Member Responsibilities	The Member acknowledges and agrees that providing accurate and complete information during the signup process and promptly notifying The LifeDAO of any changes in personal or contact details is a requirement. The Member is responsible to maintain the confidentiality of their Account credentials and must promptly notify the DAO if they suspect any unauthorized access or use of their Account. Members agree not to engage in fraudulent, illegal, or unauthorized activities while using the DAO’s services and agree to be bound by the decisions and policies of The LifeDAO.
Surplus Distribution	Surplus is calculated at a collective level, across all the TLD products. There are no separate pools for individual products, where each token carries equal rights to surplus participation, regardless of the specific product a Member holds. Surplus Distribution may be impacted by the fund health may fluctuate over time and the Member agrees on that. The Member can access the personal dashboard that shows all relevant information related to the fund performance. If fund health is not sufficiently positive, no surplus will be distributed. If positive, the surplus will be distributed partially or fully to active Members in proportion to their token holdings, as decided by the DAO.
Association Design	Community: The LifeDAO Association community is a global, values-aligned collective of members who support one another through mutual financial protection, shared savings and investments, and decentralized governance. Access to shared communication platforms; Connect with fellow members via dedicated online forums, messaging groups, and governance channels, enabling dialogue, support, and collective decision-making. Access to learnings and to on-line events; participate in educational sessions, community calls, and curated workshops covering topics such as personal finance, Web3, shariah-compliant investing, and mutual aid. Access, subject to eligibility requirements, to additional products such as savings, cards, CLF, Farewell Services; As a community member, you may also gain access to key financial and protection services including: Collective savings and investment pools The prepaid crypto card Community Life Fund (CLF) Farewell Services (burial and repatriation support) Eligibility criteria may apply based on health, age, geography, or contribution level.