Rule Register: Ethics And Protection

R01 / Legitimate Means Govern Legitimate Ends

Type: Value commitment. When: Whenever an action affects another person.

Action: Use honest representation, meaningful consent, fair dealing and proportionate boundaries. Reject deception, exploitation and coercive tactics.

Exception or boundary: Privacy and a decision not to disclose bargaining limits are compatible with honesty. Emergency protection requires context-specific judgment; this text supplies no legal exemption.

Check: Record affected parties, representations, consent and foreseeable harm. Basis: Charter; S00 revision.

R02 / Protect Essential Needs Before Optional Expansion

Type: Design rule. When: When a commitment competes with food, housing, care, utilities or mandatory obligations.

Action: Identify the household-specific essential floor and payment dates. Compare the proposed action with maintaining the current position.

Exception or boundary: A change that reduces immediate risk may require expense now. Do not define essential needs through a universal spending target.

Check: Essential bills payable, cash timing and consequences of a missed obligation. Basis: Accounting specification.

R03 / Assess Debt Without Judging The Debtor

Type: Value commitment. When: When debt, low savings or irregular income is present.

Action: Document origin, balance, rate, terms and consequences. Address the actual constraint and realistic choices.

Exception or boundary: Discretionary overconsumption can be named when established. Illness, job loss or caregiving must not be inferred to reflect deficient character.

Check: Account completeness, affordable action and reduction in avoidable costs; no moral score. Basis: Charter; S05.