Add standard meta docs

CONTRIBUTING.md

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+# Guidance on how to contribute
+
+> All contributions to this project will be released under the CC0 public domain
+> dedication. By submitting a pull request or filing a bug, issue, or 
+> feature request, you are agreeing to comply with this waiver of copyright interest.
+> Details can be found in our [TERMS](TERMS.md) and [LICENCE](LICENSE).
+
+
+There are two primary ways to help: 
+ - Using the issue tracker, and 
+ - Changing the code-base.
+
+
+## Using the issue tracker
+
+Use the issue tracker to suggest feature requests, report bugs, and ask questions. 
+This is also a great way to connect with the developers of the project as well
+as others who are interested in this solution.  
+
+Use the issue tracker to find ways to contribute. Find a bug or a feature, mention in
+the issue that you will take on that effort, then follow the _Changing the code-base_ 
+guidance below.
+
+
+## Changing the code-base
+
+Generally speaking, you should fork this repository, make changes in your
+own fork, and then submit a pull-request. All new code should have associated unit
+tests that validate implemented features and the presence or lack of defects. 
+Additionally, the code should follow any stylistic and architectural guidelines 
+prescribed by the project. In the absence of such guidelines, mimic the styles
+and patterns in the existing code-base.

LICENSE

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+Creative Commons Legal Code
+
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TERMS.md

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+As a work of the United States Government, this package (excluding any
+exceptions listed below) is in the public domain within the United States.
+Additionally, we waive copyright and related rights in the work worldwide
+through the [CC0 1.0 Universal public domain dedication][CC0].
+
+Software source code previously released under an open source license and then
+modified by CFPB staff or its contractors is considered a "joint work"
+(see 17 USC § 101); it is partially copyrighted, partially public domain,
+and as a whole is protected by the copyrights of the non-government authors and
+must be released according to the terms of the original open-source license.
+Segments written by CFPB staff, and by contractors who are developing software
+on behalf of CFPB are also in the public domain, and copyright and related
+rights for that work are waived through the CC0 1.0 Universal dedication.
+
+For further details, please see the CFPB [Source Code Policy][policy].
+
+
+## CC0 1.0 Universal Summary
+
+This is a human-readable summary of the [Legal Code (read the full text)][CC0].
+
+### No Copyright
+
+The person who associated a work with this deed has dedicated the work to
+the public domain by waiving all of his or her rights to the work worldwide
+under copyright law, including all related and neighboring rights, to the
+extent allowed by law.
+
+You can copy, modify, distribute and perform the work, even for commercial 
+purposes, all without asking permission. See Other Information below.
+
+### Other Information
+
+In no way are the patent or trademark rights of any person affected by CC0,
+nor are the rights that other persons may have in the work or in how the
+work is used, such as publicity or privacy rights.
+
+Unless expressly stated otherwise, the person who associated a work with
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+When using or citing the work, you should not imply endorsement by the
+author or the affirmer.
+
+[policy]: https://github.com/cfpb/source-code-policy/
+[CC0]: http://creativecommons.org/publicdomain/zero/1.0/legalcode