TCPA Disclosure & Consent Policy

Last updated: March 29, 2026

1. Overview

This TCPA Disclosure and Consent Policy explains how InstantHealthQuote.net ("we," "us," or "our") collects and documents consumer consent in compliance with the Telephone Consumer Protection Act (TCPA), as amended, and the Federal Communications Commission (FCC) rules, including the one-to-one consent rule effective January 27, 2025.

2. What is the TCPA?

The Telephone Consumer Protection Act (47 U.S.C. 227) is a federal law that regulates telemarketing calls, auto-dialed calls, prerecorded messages, text messages, and unsolicited faxes. The TCPA requires businesses to obtain prior express written consent before contacting consumers using automated technology or prerecorded messages for marketing purposes.

3. FCC One-to-One Consent Rule (January 2025)

Effective January 27, 2025, the FCC requires that prior express written consent for telemarketing and advertising calls and texts be made on a one-to-one basis. This means that consent must be obtained for each specific seller or caller identified at the time of consent, rather than through blanket consent to multiple parties. InstantHealthQuote.net fully complies with this requirement.

4. How We Obtain Consent

When you submit your information through our quote request form, you are presented with a clear and conspicuous consent disclosure that identifies:

• The specific entity that will contact you (InstantHealthQuote.net)
• The methods of contact (telephone, email, SMS/MMS, artificial/AI voice, prerecorded messages)
• The purpose of contact (marketing and telemarketing related to your insurance inquiry)
• That automated technology may be used
• That consent is not required as a condition of purchasing goods or services
• How to receive service without providing consent (by calling our toll-free number)

5. Consent Language

The following consent language is presented to consumers at the point of lead submission:

6. TrustedForm Certification

Every lead submission on InstantHealthQuote.net is certified through TrustedForm by ActiveProspect. TrustedForm provides independent, third-party documentation of consumer consent including:

• The exact consent language displayed to the consumer at the time of submission
• A visual session replay showing the consumer's interaction with the page
• Timestamp of when consent was provided
• IP address of the consumer's device
• Browser and device information
• The URL of the page where consent was given
• A unique certificate URL for each lead that serves as a permanent compliance record

TrustedForm certificates are retained for a minimum of five years and are available to authorized lead buyers for their compliance records.

7. First-Party Lead Generation

All leads generated by InstantHealthQuote.net are first-party leads. This means:

• Consumers submit their information directly on our website
• We do not purchase, aggregate, or resell leads from third-party publishers
• The consent language references InstantHealthQuote.net specifically
• We maintain direct control over the consumer experience and consent flow
• Each lead has a verifiable chain of custody from consumer submission to buyer delivery

8. Your Right to Revoke Consent

You may revoke your consent to be contacted at any time through any of the following methods:

• Reply STOP to any text message you receive from us
• Call us at 1-888-XXX-XXXX and request to be placed on our internal Do Not Call list
• Email optout@instanthealthquote.net with your name and phone number
• Click the unsubscribe link in any email communication

Upon receiving your revocation request, we will cease all marketing communications within a reasonable time frame, typically within 24 to 48 hours. Revocation of consent does not affect the legality of any communications made prior to revocation.

9. Do Not Call Compliance

InstantHealthQuote.net maintains an internal Do Not Call (DNC) list and honors all consumer requests to be removed from marketing communications. We also comply with the National Do Not Call Registry maintained by the Federal Trade Commission. Consumers who provide express written consent through our website may still be contacted regardless of their DNC registration status, as provided under TCPA regulations, until they revoke that consent.

10. Record Retention

We retain all consent records, TrustedForm certificates, lead data, and communication logs for a minimum of five years from the date of lead creation. These records are available for audit and compliance review purposes.

11. Compliance for Lead Buyers

Licensed insurance agents and agencies who purchase leads from InstantHealthQuote.net are required to:

• Contact consumers only for the purpose specified in the consent language
• Retain the TrustedForm certificate URL provided with each lead
• Honor all consumer opt-out and Do Not Call requests
• Comply with all federal and state telemarketing regulations
• Not resell, redistribute, or share lead data with unauthorized parties
• Maintain their own TCPA compliance programs and training

12. Contact Us

For questions about this TCPA policy, to revoke consent, or to request placement on our Do Not Call list:

InstantHealthQuote.net
Email: optout@instanthealthquote.net
Phone: 1-888-XXX-XXXX