📋 CMO REVIEW REQUIRED · HA1 · NOT FOR PUBLICATION

This asset is a working draft authored under Standing Order #1 (del.auth). It will be held at HA4 maximum until triad marketing-authority (Laurence Hugo + Lisa Hugo + Corrina McGowan · SO #5, SO #6) has performed sight-check review. HA5 (board-ratified · publication-ready) is gated on that CMO sight-check per user directive 2026-08-06.

SO #3 · Placeholder registrations. Life Without Debt Ltd is in pre-registration phase. ACNC charity registration, ASIC company registration, and ATO DGR/tax endorsement are not yet finalised. Any registration numbers, ABN references, or DGR statements shown are placeholders under Standing Order #3 (truthful non-compliance) and will be replaced with real values on registration.

Board & Governance

Life Without Debt Ltd is a company limited by guarantee, governed by a Board of Directors under a constitution that will be registered with ASIC and the ACNC. We are committed to full transparency on governance, in line with the ACNC Governance Standards.

1 · Board of Directors

Prof Deen Sanders OAM · Founding Director

Founding Director and Chair of the Board. Bio placeholder pending Sprint 37 About / Founder Story authoring pass.

Additional Board seats are being sought as part of our launch programme. Prospective directors with lived experience of the paramount beneficiary class, or with governance experience in Australian charities, palliative care, consumer finance, or public health, are invited to make contact via board@cosailifewithoutdebt.org.

2 · Key roles

Person	Role	Standing Order
Prof Deen Sanders OAM	Founding Director · Board Chair	SO #6 · Board seat
Laurence Hugo	Co-founder · Business Development	SO #5 marketing authority · SO #6 BD + HA4/HA5
Lisa Hugo	Business Development	SO #5 marketing authority · SO #6 BD + HA4/HA5
Corrina McGowan	Commercially engaged HA4/HA5 reviewer	SO #5 · SO #6 HA4/HA5 with Board
Carla Oliver	Chief Financial Officer (project phase)	SO #6 · CFO with $10,000 project cap

3 · Governing documents

Constitution — placeholder pending ASIC + ACNC registration. Will be published here on registration.
Annual Report — first report will cover the financial year in which we begin operations.
Audited financials — annual, once operations commence and thresholds are reached.
Blended Workforce Design — how we govern the mix of human and AI agents · blended-workforce-design.html

4 · ACNC Governance Standards

We commit to comply with all six ACNC Governance Standards:

Purposes and not-for-profit nature
Accountability to members
Compliance with Australian laws
Suitability of Responsible Persons
Duties of Responsible Persons
Maintaining and enhancing public trust and confidence in the Australian NFP sector

5 · Contact

board@cosailifewithoutdebt.org