The standard annual entitlement is sixty minutes for an active membership year after required profile completion, normally used as two thirty-minute consultations or one sixty-minute clinic. It covers eligibility clarification, route assessment, opportunity prioritisation, readiness gaps and recommended next steps. It excludes free proposal drafting, full-proposal review, guaranteed outcomes, legal advice and regulated financial advice. Credits are non-transferable, have no cash value, depend on adviser availability and expire at the end of the relevant membership period unless an authorised exception is recorded.