Legal draft
Checkout and Upload Consent Wording
Draft date: 2026-06-29. Use this as copy inventory for Stripe Payment Links, upload forms, newsletter forms, and AI-tool forms.
Implementation rule: required consents must be separate from optional marketing and partner consents. Do not bundle newsletter, affiliate tracking, partner handoff, or non-essential cookies into checkout acceptance.
1. Required checkout labels
| Field | Required? | Label text | Notes |
|---|
accept_terms | Yes | I have read and accept the Terms of Service, Privacy Policy, Cookie Policy, and Cancellation and Refund Policy. | Link each policy. Store policy version, language, timestamp, product, IP hash if used. |
education_boundary | Yes | I understand this product/session is educational and informational only. It is not financial, investment, tax, legal, or insurance advice. | Use on all paid finance/tax/insurance-related products. |
payment_provider | Yes | I understand payment will be processed by Stripe, and Stripe checkout/privacy terms may apply. | Wise is not public checkout. PayPal should be added only after matching legal and export handling exists. |
price_obligation | Implicit in button | Place order with obligation to pay | Use as the final order button or equivalent in DE/HR. Avoid vague "Continue" for paid orders. |
2. Digital product immediate-access wording
| Field | Required when? | Label text |
|---|
digital_immediate_access | When download/access starts before the 14-day period ends | I request immediate access to the digital content before the end of the 14-day withdrawal period. |
digital_withdrawal_ack | Same flow | I acknowledge that I may lose my right of withdrawal once the digital content delivery begins, where allowed by law. |
3. Service/session immediate-performance wording
| Field | Required when? | Label text |
|---|
service_immediate_performance | When prep/work/session starts during the 14-day period | I request that the service may begin before the end of the 14-day withdrawal period. |
service_pro_rata_ack | Same flow | I understand that if I withdraw after work has started, a proportionate amount may be retained for services already provided, where allowed by law. |
service_full_performance_ack | If service can be fully performed inside 14 days | I acknowledge that my withdrawal right may end once the service is fully performed after my explicit request, where allowed by law. |
4. Upload and document-intake labels
| Field | Required? | Label text | Notes |
|---|
upload_processing | Yes for upload | I consent to the processing of my uploaded document(s) and question for the requested educational explanation or session preparation. | Use contract/pre-contract basis in policy; consent wording still useful for clarity. |
upload_right_to_share | Yes for upload | I confirm that I have the right to share these documents and that I have removed unnecessary third-party or highly sensitive data. | Fail closed if unchecked. |
upload_sensitive_data_limit | Yes for insurance/tax uploads | I will not upload life insurance, health insurance, medical, children's, criminal, or other special-category data unless this form explicitly asks for it. | Blocks high-risk scope creep. |
upload_no_advice | Yes for upload | I understand document explanations are educational only and do not replace an insurer, lawyer, tax advisor, financial advisor, or other licensed professional. | Show before submit and again with output. |
upload_retention_notice | Yes for upload | I understand uploaded documents are used only for this request and are not sold or used to train public AI models. The retention period is described in the Privacy Policy. | Must match the implemented retention and deletion workflow before uploads go live. |
5. AI-tool labels
| Field | Required? | Label text |
|---|
ai_transparency | Yes for direct AI interaction | I understand this tool may use AI to generate an educational explanation, and AI output may be incomplete or wrong. |
ai_no_automated_decision | Yes | I understand this tool does not decide coverage, eligibility, tax liability, investment suitability, legal rights, or any other matter with legal or similarly significant effects. |
ai_verify_sources | Yes | I will verify important information against original documents, official sources, and qualified professionals before acting. |
6. Optional consents
| Field | Required? | Label text | Rules |
|---|
newsletter_opt_in | No | I would like to receive the newsletter and related education emails in my selected language. I can unsubscribe anytime. | Separate checkbox; never pre-ticked. |
partner_handoff_opt_in | No | If relevant, I consent to being contacted by a named licensed partner about my request. This is optional and can be refused without losing access to the requested content/tool. | Name the partner before launch. No hidden broker handoff. |
affiliate_tracking_opt_in | No | I consent to affiliate/partner tracking cookies for disclosed referral links. | Can also live in cookie preferences. |
testimonial_opt_in | No | You may contact me later to ask whether I want to provide feedback or a testimonial. | Do not publish testimonial without separate approval. |
7. Newsletter form label
I agree to receive the Daniel Budak newsletter and welcome sequence in my selected language. I can unsubscribe anytime. Details are in the Privacy Policy.
8. Cookie banner labels
- Accept all
- Reject non-essential
- Manage choices
- Save choices
9. Integration notes
- Store exact consent text/version, page URL, product ID, language, timestamp, and checkout provider transaction ID.
- For uploads, store file status: accepted, rejected, quarantined, needs-review, deleted.
- Do not submit incomplete consent payloads silently. If required consent is missing, block submission and show a specific error.
- Do not combine newsletter, partner handoff, affiliate tracking, and terms acceptance into one checkbox.