TCR/TCPA Compliance (SMS Consent)
To ensure compliance with the Telephone Consumer Protection Act (TCPA), SALT has worked closely with our legal team to build SMS consent directly into the form and user experience. This protects both your agency and your prospects—without requiring a separate checkbox or interrupting the intake flow.
How Consent Is Handled
SMS Consent Statement for Prospects -
This statement is displayed at the beginning of every SALT Form, ensuring prospects understand and agree to communication policies upfront.
Agency TOS & Privacy Policy URLs -
In the Settings > Branding section, there is a field available to enter your agency's Terms of Service URL and/or Privacy Policy. Once your custom link is entered, it'll appear in the disclaimer pictured above.
SMS Consent Statement for Employees -
This statement is displayed when SALT employees enter or update their phone number in their SALT profile.
These changes clarify that our policy applies to both SALT customers and affiliated companies, covering both your agency and your prospects.
[For full details, please review our Terms of Service and Privacy Policy.]
Why SALT Forms Are Not Subject to TCR Marketing Rules
Some phone and texting providers have raised concerns about whether SALT’s white-labeled intake forms comply with The Campaign Registry (TCR) requirements. These concerns often stem from a misunderstanding—mistaking our transactional insurance workflows for SMS marketing or unsolicited outreach.
In reality, SALT Forms are used exclusively for insurance application intake, not for marketing or promotional messaging. Because TCR primarily applies to bulk promotional content, it’s often misapplied to our compliant, consumer-initiated communication.
To help clarify this distinction, we’ve outlined key points you can share with your phone provider to support your agency’s use of SALT.
Key Points of Clarification:
- Our Forms Are Transactional, Not Promotional
Our forms are designed for insurance application intake, not for SMS marketing, customer notifications, or promotional campaigns. When a consumer applies for insurance, they inherently expect communication from the agent handling their policy. Unlike marketing campaigns, this is transactional communication, not a solicitation.
- TCR Governs Marketing, Not Application Workflows
The Campaign Registry (TCR) primarily regulates businesses that send bulk SMS marketing messages, account notifications, and customer alerts. These regulations require explicit opt-in and opt-out mechanisms because they involve unsolicited messages. However, our forms collect information as part of a consumer-initiated insurance request, meaning the communication is essential, not promotional.
- We Are Fully TCPA Compliant
Our system fully complies with the Telephone Consumer Protection Act (TCPA), which governs how businesses can contact consumers via phone and SMS. TCPA compliance is more critical than TCR because it is a federal law, while TCR is an industry requirement imposed by carriers. Our intake process ensures that consumers explicitly consent to being contacted regarding their insurance applications, aligning with federal consumer protection standards.
- Consent Is Built Into Our "Terms of Service"
Every user submitting an application through our system agrees to our Terms of Service and Privacy Policy, which include consent for communication from our platform, your agency, and affiliated companies. This ensures clear transparency and legal protection regarding follow-ups with applicants.
If Your Provider Requires More Clarity:
If your phone provider still raises questions, here are some next steps you can take to help clarify the distinction:
- Ask for clarification on why TCR marketing rules are being applied to a transactional insurance workflow.
- Share this explanation and emphasize that TCPA compliance supersedes TCR in this context.
- Refer them to SALT’s [Terms of Service] and [Privacy Policy], which outlines how consumer consent is handled.