Thank you for the question @navdeep. The unfoldment is occurring all the time. As to a whether there is a contract, the only one who can answer the question about a contract is each one of us. If there is such a contract, we are the contractor!
I prefer the idea of free play, over the idea of a contract. We are here to experience everything that we are or we may be. If it takes a contract, then we also have to think the consequences of breaking the contract. Maybe it is better to think of ourselves as being in the playground of the Universe, as active participants.