05 // CHARTER & PUBLICATIONS
Charter and service standards
Account terms and rules for membership, loans, transfers, trading and cargo payments.
Accounts & transfers
CCC / 01Custody and reserve standard
Account balances, reserved funds and aUEC held by custodians.
Transfer evidence and references
Exact deposit amounts, transfer images and teller checks.
Crew settlement and escrow
Shared crew payments and funds reserved for a specific purpose.
Cooperative product terms
Voluntary shares, funded term certificates and independently reviewed working-capital advances.
Independent financial confirmations
Current authority, disinterested review and two-person confirmations tied to the actual instruction.
Recovery
PHX / 01Phoenix conversion and recovery rules
HCC-to-CEB conversion rates and funded principal repayment.
Exchange
HSE / 01Market conduct and execution
Prices, currencies and the conditions for trading.
Institutional funding rules
How institutions request, receive and repay member funding.
Industry
HIC / 01Industrial receipt and acceptance
Cargo delivery checks and payment for accepted quantities.
Industrial receiving and repayment consent
Canonical purchase orders, accepted SCU, gross and net payments and optional debt deductions.
Governance
GOV / 01Identity and authority
Sign-in, staff appointments and independent review.
Records and privacy
Who can view account records, images and shared data.
Opening transfers and payments
How treasury opens member transfers and payments.
Member ballots and funded declarations
Verified eligibility, one member one vote, private choices and funded share distributions.
Membership & account help
CU / 01The Civitas charter
Membership, lending funds and the responsibilities of Civitas officers.
Verified repayment assistance
Evidenced interruptions, exact deadline extensions and the separate Phoenix suspension decision.
Borrowing
CU / 02Ship lending standard
Applications, loan offers, purchase payments and repayments.
Who handles each service
Custody & settlement
Conversion rates & reserves
Cargo inspection & payment
Market conduct
Citizen identity
Member decisions and reviewed operating summaries
Only completed ballot totals and independently approved financial summaries are published here. Individual votes, statements, custody evidence and account balances stay private.
Reviewed operating summaries
No independently approved operating summaries have been published.
Completed member ballots
No completed ballot results have been published.
Share distribution notices
No funded share distributions have been completed.