bulletproof consent: Gift Aid (HMRC), email opt-in, WhatsApp opt-in with full audit trail

GIFT AID (HMRC compliance):
- Exact HMRC model declaration text displayed and recorded
- Home address (line 1 + postcode) collected when Gift Aid is ticked
- giftAidAt timestamp recorded separately from the boolean
- Declaration text, donor name, timestamp stored in consentMeta JSON

EMAIL + WHATSAPP (GDPR/PECR compliance):
- Separate, granular opt-in checkboxes (not bundled, not pre-ticked)
- Each consent records: exact text shown, timestamp, consent version
- Consent checkboxes only appear when relevant contact info is provided
- Cron reminders gated on consent — no sends without opt-in
- Pledge creation WhatsApp receipt gated on whatsappOptIn

AUDIT TRAIL (consentMeta JSON on every pledge):
- giftAid: {declared, declarationText, declaredAt}
- email: {granted, consentText, grantedAt}
- whatsapp: {granted, consentText, grantedAt}
- IP address captured server-side from x-forwarded-for
- User agent captured client-side
- consentVersion field for tracking wording changes

EXPORTS:
- CRM CSV now includes: donor_address, donor_postcode, gift_aid_declared_at,
  is_zakat, email_opt_in, whatsapp_opt_in
- Gift Aid export has full HMRC-required fields

Schema: 6 new columns on Pledge (donorAddressLine1, donorPostcode,
giftAidAt, emailOptIn, whatsappOptIn, consentMeta)

pledge-now-pay-later/src/app/p/[token]/page.tsx

@@ -20,8 +20,14 @@ export interface PledgeData {
   donorName: string
   donorEmail: string
   donorPhone: string
+  donorAddressLine1: string
+  donorPostcode: string
   giftAid: boolean
   isZakat: boolean
+  emailOptIn: boolean
+  whatsappOptIn: boolean
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  consentMeta?: any
   // Scheduling
   scheduleMode: "now" | "date" | "installments"
   dueDate?: string
@@ -64,8 +70,12 @@ export default function PledgePage() {
     donorName: "",
     donorEmail: "",
     donorPhone: "",
+    donorAddressLine1: "",
+    donorPostcode: "",
     giftAid: false,
     isZakat: false,
+    emailOptIn: false,
+    whatsappOptIn: false,
     scheduleMode: "now",
   })
   const [pledgeResult, setPledgeResult] = useState<{
@@ -137,16 +147,24 @@ export default function PledgePage() {
   }
 
   // Submit pledge (from identity step, or card/DD steps)
-  const submitPledge = async (identity: { donorName: string; donorEmail: string; donorPhone: string; giftAid: boolean; isZakat?: boolean }) => {
+  // eslint-disable-next-line @typescript-eslint/no-explicit-any
+  const submitPledge = async (identity: any) => {
     const finalData = { ...pledgeData, ...identity }
     setPledgeData(finalData)
 
+    // Inject IP + user agent into consent metadata for audit trail
+    const consentMeta = finalData.consentMeta ? {
+      ...finalData.consentMeta,
+      userAgent: navigator.userAgent,
+    } : undefined
+
     try {
       const res = await fetch("/api/pledges", {
         method: "POST",
         headers: { "Content-Type": "application/json" },
         body: JSON.stringify({
           ...finalData,
+          consentMeta,
           eventId: eventInfo?.id,
           qrSourceId: eventInfo?.qrSourceId,
           isZakat: finalData.isZakat || false,
@@ -209,7 +227,7 @@ export default function PledgePage() {
     0: <AmountStep onSelect={handleAmountSelected} eventName={eventInfo?.name || ""} eventId={eventInfo?.id} />,
     1: <ScheduleStep amount={pledgeData.amountPence} onSelect={handleScheduleSelected} />,
     2: <PaymentStep onSelect={handleRailSelected} amount={pledgeData.amountPence} />,
-    3: <IdentityStep onSubmit={submitPledge} amount={pledgeData.amountPence} zakatEligible={eventInfo?.zakatEligible} />,
+    3: <IdentityStep onSubmit={submitPledge} amount={pledgeData.amountPence} zakatEligible={eventInfo?.zakatEligible} orgName={eventInfo?.organizationName} />,
     4: pledgeResult && <BankInstructionsStep pledge={pledgeResult} amount={pledgeData.amountPence} eventName={eventInfo?.name || ""} donorPhone={pledgeData.donorPhone} />,
     5: pledgeResult && (
       <ConfirmationStep