# Phase 2 Informed Consent Form — DRAFT **Document version:** v1 (draft for review) **Date:** May 18, 2026 **Status:** Pre-attorney review — DO NOT PUBLISH AS-IS --- ## ⚠ Important Notes Before Reviewing This is a substantive first draft of the Phase 2 Informed Consent Form. It is structured to parallel the Phase 1 consent form but addresses Phase 2's significantly different scope: lifetime stewardship, recurring subscription, formal trust-based fund management, and strict behavioral commitments. **Items marked `[BRACKETS]` require attorney input or DPO confirmation before publishing:** - `[TRUST NAME]` — formal name of the legal trust entity - `[TRUSTEE]` — identity of the trustee - `[TRUST STATE]` — governing state law (likely Louisiana, matching Terms §19) - `[TRUST TYPE]` — revocable / irrevocable / spendthrift / hybrid (attorney call) - `[CANCELLATION POLICY DETAILS]` — what happens to trust balance / leased assets on cancellation **Strong recommendation:** Have an attorney experienced in trust law AND research ethics review this draft before publishing. The combination of (a) recurring billing, (b) trust-based fund management, (c) strict behavioral commitments, and (d) restricted-spend research framework is unusual and benefits from legal review. --- ## Document Structure (12 sections) 1. Hero + step indicator (Phase 2 = separate opt-in) 2. Eligibility (Phase 1 completion required) 3. What Phase 2 is 4. The research itself 5. Your rights as a Phase 2 participant 6. Phase 2 covered programs (consumer spending categories) 7. Asset programs (mention + separate consent requirement) 8. Behavioral commitments — Four Major Factors (strict) 9. Subscription terms 10. Trust mechanism (formal legal trust) 11. Risks, benefits, data, tax, what Phase 2 is NOT 12. Acknowledgments + signature --- --- ## 1. Hero + Step Indicator > **Step 1 · Phase 2 Informed Consent** > > # Continuing as a DPO research participant — Phase 2 > > Phase 2 is your voluntary, opt-in continuation of DoublePenniesOnline LLC research. It is a separate consent moment from Phase 1, with its own commitments and its own protections. This page walks you through everything Phase 2 involves so you can opt in with full understanding, or decide it isn't for you. **Three-step indicator (matching Phase 1 visual):** ``` 1. Read & Understand 2. Sign the Consent Form 3. Activate Phase 2 What Phase 2 involves Confirm your informed, Subscribe at $20/month voluntary consent ``` **Why this order matters callout (gold integrity callout):** > Phase 2 is a meaningful, ongoing commitment — to a recurring subscription, to behavioral expectations, and to a trust-based spending program. Real research at this depth begins with informed consent. Reading this page is your first act as a Phase 2 participant. --- ## 2. Eligibility Confirmation Phase 2 enrollment is open only to participants who have completed Phase 1. You're eligible to opt into Phase 2 if you have: - ✓ Previously completed the Phase 1 Informed Consent Form - ✓ Completed at least one Phase 1 research order - ✓ Are not currently in the refund process for your Phase 1 order(s) If you have not yet completed Phase 1, please begin there first: [/consent-dpo](/consent-dpo) --- ## 3. What You're Being Asked to Consent To In short: by opting into Phase 2, you are subscribing to DoublePenniesOnline LLC's lifetime stewardship research program, agreeing to a recurring $20/month subscription, committing to maintain the Four Major Factors of stewardship, and accepting that your Phase 2 spending account is funded and managed through a formal legal trust under the DPO Exponential Growth Spending Model™. ### What your Phase 2 consent covers - Continuation as a research participant in DoublePenniesOnline LLC's long-term stewardship study - A recurring **$20/month subscription** that maintains your active Phase 2 status - Access to Phase 2's restricted-spend categories (consumer spending — see Section 6) - Acknowledgment that asset-based programs (Home, Auto, RV, Boat, Motorcycle Leasing) **require separate consent** when you choose to use them - Maintenance of the **Four Major Factors** (work/volunteer, education, family values, community) - Acceptance of trust-based fund management through `[TRUST NAME — TO BE IDENTIFIED]`, a `[TRUST TYPE]` trust governed by `[TRUST STATE]` law ### Phase 2 startup funding from Phase 1 At Phase 2 activation, your spending account will be initially funded based on your completed Phase 1 research orders. **The startup transfer is calculated at approximately $4,500 per completed Phase 1 order** (this amount and calculation method are subject to DPO verification and confirmation prior to your Phase 2 activation). For example: - 1 completed Phase 1 order → approximately $4,500 startup trust balance - 5 completed Phase 1 orders → approximately $22,500 startup trust balance - 10 completed Phase 1 orders (maximum) → approximately $45,000 startup trust balance **Important caveats:** - The specific dollar amount is **subject to confirmation** by DPO before Phase 2 activation - The trust entity itself has **not yet been formally identified** — final trust details (name, trustee, governing state, type) will be confirmed prior to Phase 2 activation - Your startup balance is non-cash, non-transferable, and held within the trust for restricted-spend use only --- ## 4. The Research Itself ### Research purpose DoublePenniesOnline LLC's Phase 2 extends Phase 1's research into the **long-term, lifetime behaviors of stewardship-aligned households**. Phase 2 studies how participants apply structured spending support across qualified categories over years — not weeks — and how trust-managed funding can support household stability, dignity, and continuity. ### Procedures — what your Phase 2 participation involves - **Phase 2 opt-in.** You voluntarily complete and submit this Phase 2 Informed Consent Form. - **Subscription activation.** You authorize a recurring $20/month subscription that maintains your Phase 2 status. Payment is processed by DPO's third-party payment processor. - **Spending account access.** Your Phase 2 spending account — funded through your Phase 1 trust accumulation and ongoing DPO Exponential Growth Spending Model™ mechanics — becomes available for use across approved Phase 2 categories. - **Stewardship participation.** You maintain the Four Major Factors (see Section 8) as a condition of continued Phase 2 access. - **Optional asset programs.** When you choose to use an asset-based Earned-Credit™ program (Home, Auto, RV, Boat, or Motorcycle Leasing), you complete a **separate consent** specific to that program. - **Data collection.** DPO continues to collect category-level transaction data only — never individual merchant or itemized purchases. - **Lifetime duration.** Phase 2 is designed for lifetime participation, subject to your right to cancel and the Four Major Factors maintenance requirement. ### Duration Phase 2 has no fixed end date. Participation continues until: - You cancel your $20/month subscription, OR - You no longer maintain the Four Major Factors (resulting in loss of Phase 2 access per Section 8), OR - DoublePenniesOnline LLC discontinues the Phase 2 program (with notice). --- ## 5. Your Rights as a Phase 2 Participant These rights apply throughout your Phase 2 participation and afterward. To exercise any of them, email support@doublepennies.online. ### Right 01 — Voluntary participation Phase 2 is opt-in. You may choose not to enroll. There's no penalty for declining, and your Phase 1 participation is unaffected. ### Right 02 — Right to cancel your subscription at any time You may cancel the $20/month subscription at any time. Cancellation ends your active Phase 2 status. `[CANCELLATION POLICY DETAILS — what happens to your trust balance, accrued Earned-Credit on asset programs, and access to category programs.]` ### Right 03 — Data access & control You can request a copy of any personal information DPO holds about you, request corrections, or request deletion (subject to legal retention requirements and trust-recordkeeping obligations). ### Right 04 — No retaliation Cancellation of Phase 2 does not affect your eligibility for future research opportunities, your Phase 1 history, or your standing with DoublePenniesOnline LLC. ### Right 05 — Right to ask questions You can email DPO at any time for clarification on Phase 2 mechanics, your spending account, the Four Major Factors, asset programs, the trust structure, or any aspect of this consent. ### Right 06 — Right to receive updates You will receive operational communications about your subscription, your spending account, and any material changes to Phase 2 terms. --- ## 6. Phase 2 Covered Programs (Consumer Spending) Your Phase 2 subscription provides access to the following restricted-spend categories. All transactions are tracked at the category level only. ### Life's Basics Groceries, household essentials, utilities (electric, water, internet), basic transportation, qualified housing costs. ### Quality of Life Approved discretionary spending aligned with stewardship principles — qualifying entertainment, dining, household enhancements within approved category guidelines. ### Education Tuition, books, qualified educational materials, professional development, skills training programs for the participant and qualified household members. ### Financial Challenges Support Emergency support categories for participants experiencing temporary financial hardship — `[SPECIFICS PER PROGRAM DESIGN]`. ### Low-to-Moderate Income (LMI) Households Additional support categories specifically designed for participants whose household income qualifies under DPO's LMI definitions — `[SPECIFICS PER PROGRAM DESIGN]`. ### Consumer Debt Pay-Off Qualified consumer debt repayment through the DPO Exponential Growth Spending Model™ funding structure — `[SPECIFICS PER PROGRAM DESIGN]`. **Important:** All spending occurs through DPO's restricted-spend mechanism. Funds are never disbursed as cash to the participant. Category restrictions are enforced automatically at the point of transaction. --- ## 7. Asset-Based Programs (Separate Consent Required) Phase 2 also offers asset-based programs operating under DPO's Earned-Credit™ research model: - Home Leasing Earned-Credit™ Program - Auto Lease Earned-Credit™ Program - RV Leasing Earned-Credit™ Program - Boat Leasing Earned-Credit™ Program - Motorcycle Leasing Earned-Credit™ Program **These programs are NOT covered by this Phase 2 Informed Consent Form.** Each asset program has its own dedicated consent process that you complete at the time you choose to enroll in that specific program. Those consents address: - The Earned-Credit™ mechanism specific to that asset class - The lease structure and your participant rights - The asset acquisition and ownership/usage rights - Cancellation, asset disposition, and accrued Earned-Credit treatment - Risks specific to that asset class Opting into Phase 2 does **not** automatically enroll you in any asset program. You can use Phase 2's consumer spending categories without ever using an asset program. --- ## 8. Behavioral Commitments — The Four Major Factors Phase 2 participation is conditioned on maintaining stewardship through four expected practices. **These are strict requirements, not aspirational guidelines.** ### Factor 1: Work or Volunteer Service You commit to at least **40 hours per week** of paid work or qualified volunteer service. Documented exceptions apply for: - Medical/disability limitations (with appropriate documentation) - Caregiving for infants (parents of children under daycare-eligible age) - Other circumstances qualified per `[DOCUMENTATION POLICY]` ### Factor 2: Education or Skills Development You commit to **ongoing education or skills development** — formal coursework, professional development, trade learning, lifelong skills, or qualifying self-directed learning. Participants are expected to be growing in capability over time. ### Factor 3: Family Values You commit to **stewardship-aligned family values** in your household: supporting family members, contributing to household stability, and conducting yourself in alignment with DPO's stated principles of reliability, empathy, and shared responsibility. ### Factor 4: Community Participation You commit to **active community participation** — respecting the broader Phase 2 participant community, contributing positively to local community life, and not engaging in conduct that undermines the integrity of the program for others. ### Consequence of non-maintenance **You understand that failure to maintain the Four Major Factors may result in loss of Phase 2 access.** DPO will provide reasonable notice and an opportunity to address gaps before terminating Phase 2 access for failure to maintain these factors. Documented exceptions and good-faith effort will be considered. --- ## 9. Subscription Terms ### The $20/month Phase 2 subscription - **Amount:** $20 USD per month - **Billing:** Recurring monthly via DPO's third-party payment processor - **Authorization:** By completing this consent, you authorize DPO to charge $20/month to your provided payment method until you cancel - **Cancellation:** You may cancel at any time via your account or by emailing support@doublepennies.online - **Cancellation effect:** Cancellation ends active Phase 2 status. `[POLICY DETAILS — what continues vs. what ends, any prorated treatment, what happens to spending account balance, what happens to ongoing asset program participation]` - **Failed payments:** If your monthly payment fails, DPO will attempt to contact you and may suspend Phase 2 access until payment is restored - **Subscription changes:** Material changes to the $20/month subscription terms require advance notice and an opportunity to cancel before changes take effect --- ## 10. Trust Mechanism Your Phase 2 spending account is funded and managed through a formal legal trust entity. **The specific trust has not yet been formally identified.** Final trust details — including the trust's name, trustee identity, type, governing state law, and your relationship to the trust — will be confirmed prior to your Phase 2 activation. ### Trust details (to be finalized prior to activation) - **Trust entity name:** `[TRUST NAME — TO BE IDENTIFIED]` - **Trustee:** `[TRUSTEE NAME — TO BE IDENTIFIED]` - **Trust type:** `[TYPE — revocable / irrevocable / spendthrift — TO BE DETERMINED]` - **Governing law:** `[STATE — likely Louisiana matching DPO's Terms §19, TO BE CONFIRMED]` - **Your relationship to the trust:** `[BENEFICIARY / OTHER — TO BE DETERMINED]` DPO will provide written notification of finalized trust details to all Phase 2 participants before activation. Participants will have the opportunity to review the finalized trust details and decline Phase 2 activation if the finalized terms differ materially from what is described here. ### Phase 2 startup funding from Phase 1 At your Phase 2 activation, your spending account will be initially funded by a transfer based on your completed Phase 1 research orders: **Approximately $4,500 per completed Phase 1 order** (subject to DPO verification and confirmation prior to activation). This startup amount represents the trust-accumulated value generated during your Phase 1 participation through the DPO Exponential Growth Spending Model™. It is the foundation of your Phase 2 spending capacity. | Phase 1 orders completed | Approximate startup trust balance | |---|---| | 1 order | ~$4,500 | | 3 orders | ~$13,500 | | 5 orders | ~$22,500 | | 10 orders (Phase 1 maximum) | ~$45,000 | The exact amount transferred to your trust account will be confirmed by DPO before Phase 2 activation and will be reflected in your Phase 2 onboarding documentation. ### Ongoing trust funding Beyond your startup balance, your Phase 2 spending account is also supported by: - **Ongoing DPO Exponential Growth Spending Model™ mechanics** that maintain the trust's overall funding capability - Your continued $20/month subscription, which supports the trust-managed research environment ### How the trust works The trust: - Holds the funds in a fiduciary capacity - Disburses funds only in accordance with Phase 2's restricted-spend rules - Is bound by trust law to administer the funds for the stated purpose - Is subject to applicable trust accounting and reporting requirements You understand that: - Your Phase 2 spending account is **not your personal cash account** - Funds are not transferable, not withdrawable as cash, and not available outside the Phase 2 restricted-spend mechanism - The trust structure is what enables Phase 2's research-protected, restricted-research-value framing - `[CANCELLATION DETAIL — what happens to your trust balance, including your startup balance, if you cancel Phase 2]` --- ## 11. Risks, Benefits, Data, Tax, and What Phase 2 Is NOT ### Risks - **Financial:** Your $20/month subscription is at risk if you cancel before deriving full value from Phase 2. Subscription fees paid for past months are not refundable. - **Behavioral:** Loss of Phase 2 access is a real possibility if you do not maintain the Four Major Factors. You may lose access to your spending account and any associated benefits. - **Trust risk:** Your trust balance and spending account access depend on DPO's continued operation, the trust's continued solvency, and the DPO Exponential Growth Spending Model™ continuing to function as designed. DPO makes no guarantee of perpetual operation. - **Asset program risk:** If you opt into asset-based programs separately, those programs carry their own substantial risks disclosed in their respective consents. - **Privacy:** Category-level transaction data continues to be collected. Individual purchases remain unseen by DPO. ### Benefits - **Long-term household stability:** Access to restricted-spend categories that support steady household provisioning across years. - **Trust-protected value:** Funds are sheltered within a formal trust structure designed to protect their intended use. - **Stewardship community:** Membership in a defined community of participants committed to the same principles. - **Research contribution:** Your continued participation generates research outcomes that may benefit other participants and the broader stewardship-aligned community. - **Optional asset access:** Eligibility to enroll separately in Earned-Credit™ asset programs. ### Data and confidentiality Same standards as Phase 1, extended: - **What's collected:** Account information, recurring subscription billing reference, category-level transaction data - **What's NOT collected:** Individual merchant data, itemized purchase data, personal financial information beyond what's required for trust administration - **Protection:** Encryption in transit, limited internal access, third-party processors bound by contract, no sale of personal information - **Trust recordkeeping:** The trust maintains records of disbursements to satisfy fiduciary and tax obligations ### Tax clarity Because your Phase 2 spending is: - Restricted, non-cash, trust-protected - Usable only for approved Phase 2 categories - Part of a documented long-term research experiment - Disbursed through a formal trust structure …the value you use in Phase 2 is designed not to function as personal income or compensation. **DPO does not provide tax, legal, or financial advice.** Participants are responsible for understanding their own personal tax situations and should consult a qualified professional with questions specific to their circumstances. The trust's tax treatment is also subject to applicable trust tax law. ### What Phase 2 is NOT - Not income, compensation, or wages - Not a payout, loan, or investment - Not a securities offering or financial product - Not a multi-level marketing or recruitment program - Not a guarantee of perpetual benefits - Not a substitute for personal financial planning - Not financial, legal, or tax advice - Not an entitlement program Phase 2 is a **trust-funded, restricted-spend, behavior-conditioned research program operating under NAICS 541720** — Research and Development in the Social Sciences and Humanities. --- ## 12. How You Provide Your Consent + Acknowledgments You provide your Phase 2 consent by completing the consent form located directly below this page section. The form captures your individual acknowledgments of each major area covered above, your digital signature, and the date. Once your completed Phase 2 consent form is submitted, you'll be directed to the subscription activation step. **No subscription is activated before your consent is captured.** You may withdraw your consent at any time by canceling your subscription per Section 9. ### Acknowledgments (14 total) The Phase 2 Form Block beneath this Code Block will capture each of these as required checkboxes: 1. I confirm I have previously completed Phase 1 of the DoublePenniesOnline LLC research program and am eligible to enroll in Phase 2. 2. I understand Phase 2 is a separate research engagement with its own consent, distinct from my Phase 1 consent. 3. I authorize a recurring $20/month subscription that will be charged to my provided payment method until I cancel. 4. I understand my Phase 2 spending account is funded and managed through a formal legal trust entity. I acknowledge that the specific trust entity (name, trustee, type, governing state, my relationship to the trust) has not yet been formally identified at the time of this consent, and DPO will provide written notification of finalized trust details prior to my Phase 2 activation. 5. **I acknowledge that my Phase 2 spending account will be initially funded based on my completed Phase 1 research orders, at approximately $4,500 per completed Phase 1 order. I understand the specific dollar amount is subject to DPO verification and will be confirmed prior to my Phase 2 activation.** 6. I understand my Phase 2 spending is non-cash, restricted, trust-protected, and is not transferable or withdrawable as cash. 7. I understand my Phase 2 funding source is the DPO Exponential Growth Spending Model™ (proprietary), and DPO does not guarantee perpetual operation or specific outcomes. 8. **I commit to maintaining the Four Major Factors of stewardship: at least 40 hours per week of work or qualified volunteer service, ongoing education or skills development, family values stewardship, and active community participation.** 9. I understand that failure to maintain the Four Major Factors may result in loss of Phase 2 access, subject to reasonable notice and opportunity to address gaps. 10. I understand Phase 2 covers consumer spending categories (Life's Basics, Quality of Life, Education, Financial Challenges, LMI Households, Consumer Debt Pay-Off). 11. I understand asset-based Earned-Credit™ programs (Home, Auto, RV, Boat, Motorcycle Leasing) require their own separate consent at the time of use and are not covered by this Phase 2 consent. 12. I understand I may cancel my $20/month subscription at any time, and I have read the cancellation policy in Section 9. 13. I have read the [Privacy Policy](/privacy-policy-dpo), the [Terms, Conditions & Notices](/terms-conditions-dpo), and this Phase 2 Informed Consent Form. 14. I am 18 years of age or older. ### Digital Signature By typing my full legal name below, I am providing my electronic signature in accordance with the E-SIGN Act (15 U.S.C. § 7001), with the intent to sign this Phase 2 Informed Consent Form. `[ Type full legal name here ]` --- ## End of draft **Document length:** ~12 sections + 13 acknowledgments **Estimated reading time for participant:** 15-20 minutes (intentionally — Phase 2 is a real commitment) --- ## What needs to happen next 1. **Wayne reviews this draft** — flag any sections that need adjustment, any acknowledgments to add/remove 2. **Attorney review** — strongly recommended for: - Trust law details (Sections 4, 10) - Cancellation policy specifics (Section 9, throughout) - Behavioral conditions enforceability (Section 8) - Subscription billing authorization language (Section 9) - E-SIGN compliance (Section 12) 3. **Once approved, I convert to Squarespace Code Block** matching the Phase 1 visual design (alternating dark/light, gold integrity callout, step indicator, form transition) 4. **Wayne pastes Code Block to a new Squarespace page** (suggested slug: `/consent-phase2-dpo` or `/consent-phase2`) 5. **Wayne builds the Phase 2 Squarespace Form Block** with the 13 acknowledgment checkboxes + signature 6. **CTA + Stripe integration** for the $20/mo subscription (separate Stripe product from the Phase 1 $10 fee) 7. **Welcome email** for Phase 2 enrollment (via Zoho CRM or similar)