What these sessions are
Short, free sessions that explain how money, healthcare and local government work.
- Fluent is about money: budgeting, banking, credit, borrowing, tax time and scams.
- Reach is about healthcare: how coverage works, finding low-cost care, medical bills, health records, patient portals and the cost of medicines.
- Voice is about local government: who decides what, public meetings, records requests, budgets and serving your community.
A session lasts about an hour. It is held by an organization near you, such as a library, school, clinic or community center, in person or online. It is taught by people from Moraph who work in finance, healthcare or government, or by vetted volunteers with that kind of experience.
Free, and what we promise you
Sessions are free to attend. Behind them are the six promises on our approach.
It is free. Going to a session costs nothing, and so does hosting one.
Our six promises
These are the promises from our approach page, word for word.
- Nothing to sell. Nothing we teach or give promotes Moraph, a Moraph client or any product. We do not add anyone to marketing lists, and we never collect attendees’ details for sales.
- Strictly nonpartisan. We take no side on parties, candidates, ballot questions or campaigns, in Voice or anywhere else.
- Explain, never advise. Sessions explain how money, healthcare and government work. They are not financial, medical or legal advice about anyone’s own situation.
- Planned in writing. Every series and every project has a written plan, a named Moraph lead and an end date before anyone starts.
- Yours to keep. What we teach is published free in Commons, so you can teach it again without us. Systems we set up are yours, with the documentation and credentials.
- Honest reporting. Once there is a year of work to report, we will publish what we did, what it cost and what did not work, with real figures only, naming only organizations that agree in writing.
At a session, that means teachers don’t hand out business cards or contact you afterwards, and if you need advice about your own situation, they point you to free services that can help.
What to bring
You don’t need to bring anything.
- You’ll be given a printed handout for your country and a worksheet. Both are yours to take home.
- You don’t need an account or a password. If a session offers help with a website on your own phone, you stay in control: nobody will ask for your password or type it for you.
- A few sessions use a phone or tablet for a group activity, if one is around. You don’t need your own.
- Glasses, a hearing aid or anything else you usually use to read and listen will help.
Your privacy
You don’t have to share anything about yourself.
- Nobody will ask you about your own money, health, insurance or immigration status.
- You won’t be asked to read out your worksheet, and nobody reads it unless you invite them to.
- Moraph people and volunteers never collect your name, contact details, passwords or records, and never type a password or code for you.
- Photos and recordings are made only if you agree. For anyone under 18, a parent or guardian must agree too.
- The organization hosting the session may ask you to book a place. That is their own booking, not Moraph’s. You can ask them what they keep and why.
If you have a question about your own situation, the teacher can talk with you quietly at the break or the end and show you where to find free help.
Accessibility and languages
Tell the organization hosting the session what you need, ideally before the day.
- For example: a step-free way in, a seat near the front, large-print handouts, captions in an online session, an interpreter, or more time for activities.
- Sessions are taught in the language the host asks for. If you need another language, ask the host.
- The handouts and slides are pages on moraph.org, in English. If you need them in a different format, email hello@moraph.org. Our accessibility statement explains more.
Where to find free help
Everything here is free to read and use, with no application.
Would you like sessions where you live? Ask your library, school or community center to apply to host.
Afterwards: after a session, where to go next, with the take-home sheet for your country.
If something is wrong
You can tell us, and you don’t need proof.
- If someone is in danger right now, call your local emergency number or the police first.
- If you are worried about someone’s safety, including how someone from Moraph behaved, email hello@moraph.org with “URGENT: safeguarding concern” in the subject. Tell the organization hosting the session too.
- If something else went wrong, for example someone tried to sell you something or took a side in politics, email hello@moraph.org.
Say what you saw or were told, when, and who was involved, in your own words. You can also ask an adult you trust to write for you. Nobody who raises a concern in good faith will face any consequences for it. The safeguarding statement explains what happens next.