Governance documents

Everything LWD has committed to publishing about how it is governed, how it handles complaints, how it reports impact, how it fundraises, and how it depicts the people it serves. Held to a standard well beyond ACNC minima. Transparency by discipline, not by regulator.

Charter documents

• Constitution — the governing document establishing LWD as a company limited by guarantee, defining its objects and beneficiary class (clause 4(a)). Available on request via governance@ pending ACNC registration; extracts at /board-and-governance.
• Board Charter — Board composition, roles, meeting cadence, quorum, and decision-making. /board-charter.
• Board recruitment — Current recruitment posture and skills matrix. /board-recruitment.

Policies (Sprint 34 · HA1 drafts · legal-review-gated)

• Privacy Policy — Australian Privacy Principles compliance, health information handling
• Terms of Service — website and service terms
• Fundraising Conduct — eight-state fundraising disclosure
• Complaints & Feedback — ACNC Governance Standard 3 compliant handling
• Cookies & Measurement — Kit-03 measurement disclosure

Public trading surfaces (Sprint 34)

• Donate — DGR statement and three giving pathways (placeholder pending DGR)
• Board & Governance — ACNC transparency surface

Beneficiary-facing surfaces (Sprint 35)

• Intake form — APP 3 + APP 5 consent statement
• Eligibility self-check
• Referrer pack — for health professionals
• Carer landing
• Beneficiary FAQ

Fundraising surfaces (Sprint 36)

• Bequest / gift in your will — legal-review-gated
• Regular giving
• Corporate partnership
• Major-donor case for support
• Grants pipeline
• Impact reporting methodology — published before first Annual Impact Report

Brand & media surfaces (Sprint 37 · this sprint)

• Launch press release — held pending ACNC/ASIC/ATO
• Media kit
• About / Founder story
• Social profile copy pack
• Spokesperson terms & Q&A
• Governance documents hub (this page)

Depiction & content discipline

• Beneficiary Depiction Guardrails — Kit-04 · what LWD will and will not show
• Brand & Editorial Charter — voice, tone, ethical use of language
• Attribution Framework — how we credit sources and adjacent services

Coming — planned artefacts (Sprint 38)

• Whistleblower Policy · ACNC Governance Standard 5 · Sprint 38
• Ethical Fundraising Position — Board-adoption artefact listing sector exclusions (payday lenders · fringe collections · certain gambling operators) foreshadowed at /corporate-partnership
• Annual Impact Report — first edition, once year one of operation is complete. Methodology pre-committed at /impact-reporting-template.

Governance-related contacts

• General governance queries: governance@cosailifewithoutdebt.org
• Complaints: /complaints or complaints@
• Whistleblower: whistleblower@cosailifewithoutdebt.org · policy Sprint 38
• Privacy: privacy@cosailifewithoutdebt.org
• Media: media@cosailifewithoutdebt.org

Compliance audit trail

Every deployment of this website is audited against 33 machine-checkable policy rules (Australian Consumer Law claims discipline, ACNC compulsory content, EOFY conduct, ASIC + APP references, complaints and privacy cross-referencing). As of the most recent audit, LWD has held 23 consecutive clean audits with zero findings. The audit surface is at /api/compliance-audit/run for authorised reviewers.

Privacy & complaints

Governance-related correspondence is protected under our Privacy Policy. Complaints about governance conduct can be raised via /complaints. Life Without Debt Ltd — ACN: pending · ABN: pending · ACNC registration: pending.

Version 0.1 · HA1 draft · Sprint 37. Related: Board & Governance · Content roadmap · Impact reporting methodology.