membership: record the allowance renewal and lapse policy (2026-11-04)

Renewal asks Open Collective for a live recurring contribution on the
sweep's schedule, anchored to the member's join day rather than the payment
date (OC aligns charges onto a common billing day). One reminder, then a
grace window, then deactivate by removing group access while keeping the
account. Member-facing summary: co-op/support#44.

README.md

@@ -24,6 +24,7 @@ Read it on the web here: <https://git.inference.coop/co-op/ops-docs>
 | Path | Contents |
 |---|---|
 | `operator-token-runbook.md` | The Cloudron token model (agent vs portal, admin vs webhook), how to rotate each without breaking the stack |
+| `membership-allowances.md` | How a member's monthly allowance renews, how a lapse is handled, and the join-day anchoring rule |
 | `maintenance/chat-task-models.md` | The small pinned model used for chat titles/tags/suggestions |
 | `maintenance/librechat-sandbox.md` | Operating the LibreChat evaluation instance (config, overlay image, key sync, pitfalls) |
 | `incidents/` | Post-incident write-ups, one file per incident |