Compliance & Trust

Compliance Isn't a Feature. It's the Foundation.

In a post-FCC one-to-one consent world, the legal risk of buying leads from non-compliant vendors is existential. We built our entire infrastructure around protecting you.

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A single TCPA violation can cost $500 to $1,500 per call. At enterprise volume, that's not a fine — it's a company-ending event. Every lead we deliver comes with a complete, audit-ready consent record that protects your organization.

🔒TCPA Compliant
📋One-to-One Consent
🛡️SOC 2 Practices
🔐256-bit Encryption
📊Full Audit Trail

Our Compliance Framework

Six pillars that ensure every lead we generate and deliver meets the highest regulatory standards in the insurance industry.

Pillar 01

One-to-One Consent

Every lead provides explicit, informed consent specifically naming your organization as the intended recipient. No blanket consent. No shared opt-ins. No "partner network" language. Your name. Your company. One consent per buyer.

Pillar 02

Clear & Conspicuous Disclosure

Our opt-in forms use plain language that clearly states what the consumer is agreeing to: who will contact them, why, and through what channels. No buried fine print. No dark patterns. Full transparency at the point of consent.

Pillar 03

Documented Proof of Consent

Every lead includes a timestamped consent record showing: the exact form the consumer completed, the disclosure language presented, the consumer's affirmative action (checkbox, signature), IP address, and device information.

Pillar 04

OTP Identity Verification

Before consent is recorded, the consumer must verify their identity via One-Time Passcode to both phone and email. This proves the person who consented is the actual owner of the contact information provided.

Pillar 05

DNC & Litigation Scrubbing

Every lead is scrubbed against the National Do Not Call Registry, state-level DNC lists, and known TCPA litigator databases before delivery. We remove high-risk contacts before they ever reach your team.

Pillar 06

Consent Expiration & Refresh

Consent records have a defined shelf life. We never deliver leads with stale consent. If a prospect's consent is older than our threshold, they are re-engaged and re-consented before delivery — or removed entirely.

The Consent Journey

Every prospect goes through this exact flow before a single data point reaches your CRM. No shortcuts. No exceptions.

1

Prospect Engages with Content

The consumer voluntarily engages with educational content about retirement planning, annuity options, or financial security. No cold outreach. No purchased lists. Organic interest only.

2

Clear Disclosure Presented

Before any form submission, the consumer sees a clear, conspicuous disclosure: "By submitting this form, you consent to be contacted by [Your Company Name] regarding annuity products via phone, email, and text message."

3

Affirmative Consent Action

The consumer must take an affirmative action — checking an unchecked box, clicking a clearly labeled button, or providing an electronic signature. No pre-checked boxes. No implied consent.

4

OTP Double Verification

A One-Time Passcode is sent to both the phone number and email address provided. The consumer must enter both codes to confirm their identity and contact information are real and belong to them.

5

DNC & Litigator Scrub

The verified contact is checked against federal and state Do Not Call registries, known TCPA litigator databases, and internal suppression lists. Any match is immediately removed.

6

Consent Record Packaged & Delivered

The complete consent record — including timestamp, IP address, disclosure text, form screenshot, and verification confirmations — is packaged with the lead data and delivered to your CRM.

Sample Consent Language

Here is an example of the disclosure language presented to consumers before they submit their information. This is customized per buyer to include your specific company name.

Disclosure Text (Example)

"By clicking 'Get My Free Quote' and submitting this form, I provide my express written consent to be contacted by [Your Company Name] and its authorized representatives regarding annuity and retirement planning products. I consent to be contacted via telephone (including automated dialing systems and pre-recorded messages), text message (SMS/MMS), and email at the phone number(s) and email address I have provided, even if my number is on a state or federal Do Not Call list. I understand that my consent is not a condition of purchase and that I may revoke my consent at any time."

Note: This language is reviewed by compliance counsel and updated to reflect current FCC regulations. The exact wording may vary based on your specific requirements and state-level regulations.

Data Security & Protection

Consumer data is handled with the same rigor as financial institutions.

🔐

Encryption at Rest & In Transit

All consumer data is encrypted using AES-256 at rest and TLS 1.3 in transit. Your leads are protected from the moment of capture through delivery to your CRM.

🏢

SOC 2 Type II Practices

Our infrastructure follows SOC 2 Type II security practices including access controls, monitoring, incident response, and regular penetration testing.

🗑️

Data Retention & Deletion

Consumer data is retained only as long as necessary for delivery and compliance documentation. Automated deletion policies ensure no data persists beyond its useful life.

👤

Access Controls

Role-based access ensures only authorized personnel can view consumer data. All access is logged, audited, and reviewed on a regular cadence.

📋

Audit Trail

Every action taken on consumer data — from capture to delivery to deletion — is logged with timestamps, user IDs, and action descriptions for complete traceability.

🚨

Incident Response

In the unlikely event of a security incident, our response plan includes immediate containment, notification within 24 hours, and full remediation documentation.

Compliance Questions

Are your leads compliant with the new FCC one-to-one consent rules?

Yes. As of January 2025, the FCC requires one-to-one consent — meaning a consumer must consent specifically to be contacted by a named company, not a generic 'partner network.' Every LeagueLeads lead includes consent that names your specific organization. We were built for this regulation.

Can I see the consent record for each lead?

Absolutely. Every lead delivered includes the full consent record: timestamp, IP address, disclosure text shown, form screenshot, OTP verification confirmations, and the consumer's affirmative action. This is available on-demand and included in your standard delivery.

What happens if a lead files a TCPA complaint?

We maintain complete documentation that demonstrates proper consent was obtained. In the event of a complaint, we provide you with the full consent record, form screenshots, and verification logs within 24 hours. Our documentation has withstood regulatory scrutiny.

Do you scrub against DNC lists?

Yes — every lead is scrubbed against the National Do Not Call Registry, all applicable state DNC lists, and known TCPA litigator databases before delivery. We also maintain internal suppression lists based on consumer opt-out requests.

How long is consent valid?

We follow industry best practices for consent freshness. Leads are delivered within hours of consent, not days or weeks. We never deliver leads with consent older than our internal threshold, which is significantly more conservative than what regulations require.

Can your compliance team work with our legal department?

Yes. We welcome direct communication between our compliance team and your legal counsel. We can provide documentation, answer technical questions about our consent flow, and customize disclosure language to meet your specific requirements.

Compliance You Can Trust.

Book a strategy call and we'll walk your team through our complete compliance framework, consent documentation, and data security practices in detail.

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