Membership Agreement

Sovereign Care Collective (SCC)

Effective Date: January 7, 2026

This Membership Agreement (“Agreement”) is entered into between you (“Member”) and Sovereign Care Collective (“SCC,” “we,” “us,” or “our”).

By joining SCC, you agree to the terms outlined below.

1. Private Membership

By joining Sovereign Care Collective (“SCC”), you agree to become a member of a private membership association. This agreement governs the relationship between you (“Member”) and SCC.

SCC is a voluntary, member-based community designed to support a proactive, wellness-focused approach through shared contributions.

2. Not Insurance

SCC is not insurance, a health plan, or a healthcare provider.

There are no claims, approvals, or guarantees of payment
Membership does not replace insurance
Membership does not satisfy any federal or state insurance requirements Members are solely responsible for obtaining any insurance coverage they deem necessary.

3. No Medical Relationship

SCC does not provide medical advice, diagnosis, or treatment.

Nothing within SCC, including resources, directory listings, or communications, establishes a doctor-patient relationship.

Members are responsible for all health decisions.

4. Independent Practitioners & No Liability

All practitioners accessed through SCC are independent.

SCC does not employ, recommend, or endorse practitioners
SCC does not oversee or control services provided

Members are solely responsible for selecting and working with practitioners.

SCC:

Does not mediate disputes
Does not investigate practitioner conduct

SCC shall not be liable for any claims, damages, or losses arising from member interactions with practitioners.

5. Member Contributions

Members agree to make recurring monthly contributions.

Contributions support a shared community pool
Contributions are not payments for services
Contributions do not guarantee reimbursement

A portion of contributions may be used for administrative purposes.

6. Reimbursement Consideration

Members may submit eligible expenses for reimbursement consideration.

Reimbursements:

Are not guaranteed
Are reviewed based on:

○ Eligibility

○ Available funds

○ Community sustainability

All reimbursements are made at the sole discretion of SCC.

7. Reimbursement Process

Members pay for services directly
Receipts must match the member’s name
Requests are submitted through the member portal

Requests are reviewed quarterly and receipts submitted by:

March 31
June 30
September 30
December 31

A 5-day grace period applies for end-of-quarter services.

After the 5-day grace period, receipts are no longer eligible for processing

8. Limits

Each membership has a quarterly limit based on contributions, with up to an additional 15% support from the community pool.

Current limits:

Individual: up to $300
Couples: up to $525 (shared)
Family: up to $800 (shared)

Limits are not guaranteed payouts.

9. Waiting Period

New members must complete a 90-day waiting period before submitting requests.

10. Guidelines

All reimbursement considerations are made in accordance with SCC Member Guidelines.

Guidelines may be updated at any time to maintain sustainability and clarity.

11. Review of Requests

Members may submit additional information for a one-time internal review.

Final decisions remain at SCC’s sole discretion
SCC is not obligated to provide appeals or dispute resolution processes

12. Privacy

Member information is kept private and used only for administrative purposes.

SCC does not sell or share personal data.

13. Cancellation

Members may cancel at any time.

Cancellation takes effect at the end of the billing cycle
Membership must remain active through the applicable quarterly review date for any submitted requests to be eligible for consideration

14. Acceptance

By joining SCC, you acknowledge and agree to:

This Membership Agreement
SCC Guidelines
All policies referenced herein