TCPA Compliance
& Consent Tracking
Last Updated: June 2026
7 Sections
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The Telephone Consumer Protection Act (TCPA)
Section 01 of 7
The Telephone Consumer Protection Act (TCPA) is a federal statute designed to safeguard consumer privacy by restricting telemarketing communications. To strictly comply with the TCPA and the Telemarketing Sales Rule (TSR), our network of lenders and affiliates are prohibited from contacting you via automated systems unless you provide explicit, prior express written consent.
Prior Express Written Consent & E-SIGN Act
Section 02 of 7
By electronically signing and submitting your application on InstantLoans.ai, you are providing your legally binding "Prior Express Written Consent" under the federal E-SIGN Act. This authorization permits our matched lending partners to contact you via SMS text messages, direct phone calls, or prerecorded/artificial voice messages, even if your phone number is listed on a state or federal Do-Not-Call (DNC) registry.
The "One-to-One" Consent Framework (FCC Mandate)
Section 03 of 7
In compliance with the latest Federal Communications Commission (FCC) rulings aimed at closing the "lead generator loophole", InstantLoans.ai operates under a strict "one-to-one consent" framework. Your consent is not sold to an unlimited list of buyers; it is granted exclusively and logically to the specific financial institution(s) or lender(s) who successfully bid on and match with your specific loan request.
Cryptographic Consent Verification
Section 04 of 7
To prevent fraudulent opt-ins and protect both our users and lending partners, we employ institutional-grade, independent third-party verification scripts (such as ActiveProspect TrustedForm and Jornaya LeadiD). These technologies generate a unique, immutable session certificate that acts as cryptographic proof of your interaction with our consent disclosures, capturing your IP address, timestamp, and explicit mouse/touch events.
ActiveProspect TrustedForm
Generates an independent, third-party Certificate of Authenticity proving what was seen on the screen during the consent event.
Jornaya LeadiD
Issues a unique visual identifier that cryptographically validates the consumer's journey and verifies TCPA consent timing.
Automated Dialing Systems (ATDS)
Section 05 of 7
Your consent authorizes our matched lenders to utilize Automatic Telephone Dialing Systems (ATDS) to communicate with you regarding your loan application, underwriting process, or funding status. Standard message and data rates applied by your mobile carrier will apply to all SMS communications.
Not a Condition of Purchase
Section 06 of 7
Providing your prior express written consent to receive telemarketing calls or SMS texts is completely voluntary. It is NOT a condition of purchasing any property, goods, or services from InstantLoans.ai. However, please note that third-party lenders may require verbal phone verification as part of their internal underwriting and fraud-prevention processes to successfully finalize and fund your loan.
Revocation of Consent & Opting Out
Section 07 of 7
You retain the absolute right to revoke your telemarketing consent at any time, through any reasonable means. To instantly revoke SMS consent, you may reply "STOP", "END", "CANCEL", "UNSUBSCRIBE", or "QUIT" to any text message you receive. To revoke call consent, you may verbally instruct the calling party to place your number on their internal Do-Not-Call list, or use our centralized Opt-Out portal.
Global Revocation Registry
We respect your communication preferences. If you wish to globally revoke your consent and be placed on our internal "Do Not Contact" list across all network nodes, please initiate an opt-out request below.
For legal inquiries regarding consent verification logs, contact compliance@instantloans.ai
InstantLoans.ai operates as a matching network, not a telemarketer or direct lender.