Compliance¶

Regulatory, legal, and operational compliance for the Guild.

Compliance calendar¶

Practice	Cadence
Annual COI disclosure	Yearly
Board self-evaluation	Yearly
Bylaws review	Every 2 years
Policy review	Yearly
Lobbying tracking + member dues notice	Yearly (with renewal)
Form 990 filing	Yearly (15^th day of 5^th month after fiscal year end)
State annual report (Maine June 1 / Minnesota Dec 31)	Yearly
Insurance renewal	Yearly
Audit / financial review	Yearly review; full audit at revenue threshold set by audit/finance committee

"Ganjier Guild does not provide legal, medical, or tax advice."
"Guild credentials are professional certifications, not government licenses."
"State law varies; consult licensed counsel in your jurisdiction."
"References to products, brands, or companies in Guild materials do not constitute endorsement."

Coverage	Why	Typical limit	Annual cost (est.)
General Liability	Slip-and-fall at events	$1M / $2M aggregate	$600–$1,200
Directors & Officers (D&O)	Protects board personally	$1M	$1,200–$2,500
Cyber / Privacy	Member PII, payment data	$1M	$700–$1,500
Event / Special Event	Required by venues	$1M per event	$200–$500 per event
Professional Liability (E&O)	Standards / credentialing exposure	$1M	$800–$1,500

Risk	Mitigation
Cannabis industry federal illegality optics	Position as educator of professionals, not participant in cannabis commerce
Banking access	Cannabis-friendly banks/credit unions; backup processor identified
Inurement (private benefit)	Strict COI policy; arms-length review of any officer-related contracts
Sponsor capture	Cap sponsor influence in governance; sponsors do not vote on standards
UBIT on advertising/sponsorship	Structure as qualified sponsorship payments under §513(i)
Lobbying disclosure	Annual member notice of non-deductible portion of dues

For full risk and compliance treatment, see ../blueprint/launch-blueprint.md, Section 16.