Terms & Conditions

Last Updated: August 17, 2025

1. Agreement to Terms

Welcome to DoublePenniesOnline LLC (“Company,” “we,” “our,” or “us”). By accessing or using the DoublePenniesOnline LLC website (the “Website”) and related programs or services (collectively, the “Services”), you (“User”) agree to be bound by these Terms & Conditions (“Terms”). The Terms also governs your participation in our research and development programs, which study consumer spending behaviors under NAICS Code 541720. By accessing or participating, you agree to be bound by these Terms. If you do not agree, you must not use the Services. We may update these Terms from time to time; the most current version will always be posted on the Website, and continued use constitutes acceptance of any changes.

2. About DoublePenniesOnline LLC & Business Classification

DoublePenniesOnline LLC is an economic research and development services business operating under NAICS Code 541720: Research and Development in the Social Sciences and Humanities. Our programs are research-oriented and designed to study economic behavior, consumer spending, and community participation. Participation is for research/testing purposes only.
Important: Contributions are not investments, securities, deposits, or savings products and create no ownership, equity, or creditor rights.

3. Program Purpose and Spirit

DoublePenniesOnline LLC is designed for research and educational purposes only. It is not an investment, lottery, sweepstakes, or guaranteed financial return. By participating, you agree to uphold the spirit of the program, which is honesty, fairness, and constructive contribution to research. Any attempt to exploit or manipulate outcomes undermines this spirit and may result in termination.

4. Eligibility

Accounts are available only to individuals 18 years or older. Users under 18 may participate only with verified parental/guardian consent. By creating an account or using the Services, you represent and warrant that you meet these requirements. Accounts are personal and non-transferable.

5. No Investment or Financial Advice

Participation is for research and development purposes only. The Company does not provide investment, financial, legal, or tax advice. Participants are solely responsible for their financial decisions.

6. Contributions, Rewards, and Refunds

Contributions made to participate are non-refundable, unless otherwise stated in specific program rules. Rewards, benefits, or payouts are not guaranteed and are subject to program performance, availability, and the Company’s discretion. Filing fraudulent chargebacks or refund requests may result in suspension or termination.

All Refunds are based upon contributions made by User must be greater than any rewards (money) sent to User. For example, if the User contributed $10 towards participation and was also rewarded $500 for participation, any requests for a refund will be denied since the contribution of $10 was NOT greater than the reward of $500.

7. Fraud, Waste, and Abuse (FWA) Policy

Fraud, Waste, and Abuse (FWA) includes but is not limited to:

  • Providing false or misleading information during registration or participation.

  • Attempting to manipulate or exploit program rules for personal gain.

  • Misrepresenting identity, eligibility, or purpose of participation.

  • Abusing program funds, rewards, or benefits outside intended scope.

  • Engaging in conduct that undermines fairness, transparency, or research integrity.

The Company may suspend or terminate accounts suspected of FWA immediately, with or without cause, and without notice. Contributions, rewards, or benefits may be forfeited, and the Company reserves the right to pursue legal remedies.

8. Termination

The Company may, at its sole discretion, suspend or terminate participation at any time, with or without cause, and with or without notice. Termination includes cases of suspected FWA, violations of the spirit of the program, or actions that conflict with these Terms. Termination does not entitle participants to refunds.

9. Program Modification

The Company reserves the right to change, suspend, or discontinue any program, rules, or payout structure at any time, with or without notice.

10. Compliance with Law

Participants agree to comply with all applicable local, state, federal, and international laws when participating in the program. Any violation may result in termination and forfeiture of participation.

11. Privacy & Data Protection

Your use of the Services is also governed by our Privacy Policy (incorporated by reference). We aim to comply with applicable privacy laws, including U.S. law, COPPA, GDPR, and CCPA, as appropriate. Research data may be anonymized and used for publications, reporting, or research purposes. By using the Services, you consent to the collection and processing of your information as described in the Privacy Policy.

12. Intellectual Property

Participants must only submit content they own or are authorized to use. The Company may use participant-submitted content in connection with the program. We comply with the DMCA and remove infringing content upon notice.

13. Accounts, Security & Communications

You are responsible for safeguarding your account credentials and for all activity under your account. You may not assign or transfer your account. The Company is not responsible for unauthorized access resulting from your failure to secure your credentials.
By using the Services, you consent to receive electronic communications (including notices, disclosures, and updates) via email or by posting on the Website, which satisfy any legal requirement that communications be in writing.

14. User Content, IP Warranties & DMCA

If you submit or upload content (including photos, text, feedback, or other materials), you represent and warrant that you own or have the necessary rights to such content. You grant the Company a worldwide, non-exclusive, royalty-free license to use, reproduce, display, distribute, adapt, and publish such content in connection with the Services, without compensation. You remain solely responsible for your content.


The Company follows the Digital Millennium Copyright Act (DMCA). If you believe that content on the Website infringes your copyright, please send a written notice to our designated agent (support@doublepennies.online) with the information required by the DMCA. Upon proper notice, the Company will act expeditiously to remove or disable access to the allegedly infringing material.

15. User Conduct & Community Standards

You agree not to misuse the Services, including by engaging in unlawful, abusive, fraudulent, harassing, defamatory, or otherwise harmful activity; uploading malware or malicious code; infringing intellectual property rights; or participating in chain letters, pyramid schemes, or unauthorized solicitations. You are solely responsible for your interactions and for user-generated content you post. The Company does not endorse, control, or assume liability for user-generated content.

16. Program Participation, Contributions & Funding

Program details are governed by specific Program Rules published by the Company. Contributions are final and non-refundable unless expressly stated in the applicable Program Rules or required by law. Users agree not to initiate chargebacks or payment disputes for contributions made to the Company.
Rewards or benefits, if any, are conditional, limited, and not guaranteed. Contributions are used for research and program operations; they do not accrue interest and confer no property rights.
Upon the death of an account holder or termination of an account, remaining funds (if any) revert to the Company for redistribution or program use; no funds pass to heirs or beneficiaries.

17. Program Changes & Availability

The Company may modify, suspend, or discontinue any program, benefit, feature, or content at any time, with or without notice. The Company will not be liable for any modification, suspension, or discontinuation of the Services or any part thereof.

18. No Financial/Tax/Legal Advice; No Guarantees

The Company does not provide investment, financial, tax, or legal advice. All programs are experimental research initiatives. Participation does not guarantee funding, rewards, outcomes, or results.

19. Disclaimers

THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING, WITHOUT LIMITATION, WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY. YOUR USE OF THE SERVICES IS AT YOUR OWN RISK.

20. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITIES, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
The Services are provided on an “as-is” and “as-available” basis. To the extent any liability cannot be disclaimed, the Company’s aggregate liability shall not exceed the greater of (a) USD $100 or (b) the amount you paid (if any) to the Company in the 12 months preceding the event giving rise to the claim.

21. Termination & Suspension of Services

Either party may terminate this Agreement and your participation in the Services at any time. The Company may suspend or terminate your access, in whole or in part, at its sole discretion, with or without cause, and with or without prior notice. Termination includes cases of suspected FWA, violations of the spirit of the program, or actions that conflict with these Terms.

Termination does not entitle you to refunds, credits, or continued access to benefits, except as expressly provided in applicable Program Rules or required by law. Upon termination, your rights under these Terms immediately cease, but provisions that by their nature should survive (including Disclaimers, Limitation of Liability, Indemnification, and Dispute Resolution) will remain in effect. The Company shall not be liable for termination or suspension.

22. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, and affiliates from and against all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to your use of the Services, your violation of these Terms, or your infringement or misappropriation of any third-party rights.

23. Dispute Resolution; Arbitration & Class Action Waiver

Before initiating any formal dispute, you agree to first contact the Company to attempt to resolve the matter informally. If not resolved within 30 days, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its applicable rules.
You and the Company waive the right to a jury trial and to participate in any class, consolidated, or representative action. Nothing in this section prevents either party from bringing an individual action in small-claims court where jurisdiction permits.

24. Governing Law; Venue

These Terms are governed by the laws of the State of Louisiana without regard to its conflict of laws principles. For any court proceedings permitted notwithstanding arbitration, the exclusive venue and jurisdiction shall be the state or federal courts located in Louisiana.

25. Force Majeure

The Company will not be liable for any delay or failure in performance resulting from events beyond its reasonable control, including acts of God, natural disasters, pandemics, governmental actions, labor disputes, failures of suppliers or third-party service providers (including payment processors, banks, hosting, or telecommunications), or internet or utility outages.

26. Assignment; No Waiver; Severability

You may not assign or transfer these Terms without the Company’s prior written consent; any attempted assignment is void. The Company may assign these Terms without restriction. No waiver of any term shall be deemed a further or continuing waiver of such term or any other term. If any provision is held invalid or unenforceable, the remaining provisions will remain in full force and effect.

27. Entire Agreement; Changes

These Terms (together with the Privacy Policy and any Program Rules) constitute the entire agreement between you and the Company regarding the Services and supersede all prior or contemporaneous agreements. We may revise these Terms at any time by posting the updated version on the Website; continued use constitutes acceptance.

28. Contact Information

DoublePenniesOnline LLC

Email: support@doublepennies.online