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Compliance

Compliance Is Our Foundation

Every lead we generate is built on a rigorous compliance framework covering TCPA, FTC, CAN-SPAM, HIPAA, CCPA, CMS, and applicable state regulations.

🛡️ 100% TCPA Compliant · 4-Year Record Retention
Regulatory Framework

Our Compliance Programs

We maintain active compliance programs for every federal and state regulation that governs insurance lead generation.

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TCPA Compliance

Federal

The Telephone Consumer Protection Act governs how we contact consumers. Every lead includes prior express written consent documentation.

  • Prior express written consent collected at source
  • Consent language reviewed by TCPA counsel
  • Timestamp, IP, and source URL recorded
  • 4-year consent record retention
  • Revocation of consent honored immediately
📵

DNC Registry

Federal

We scrub every lead against the National Do Not Call Registry and maintain our own internal DNC list for immediate compliance.

  • Daily DNC registry scrubbing
  • Internal DNC list maintained
  • State DNC compliance included
  • Opt-out processing within 30 days
  • DNC audit trail documented
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CAN-SPAM Act

Federal

All email communications comply with CAN-SPAM requirements including honest headers, clear identification, and easy unsubscribe mechanisms.

  • Accurate sender identification
  • Clear subject lines — no deception
  • Physical mailing address included
  • One-click unsubscribe honored
  • Opt-out processed within 10 days
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HIPAA Notice

Federal

We do not collect or transmit Protected Health Information (PHI). Our forms are designed to capture only the data needed for insurance lead qualification.

  • No PHI collected in lead forms
  • Health data limited to coverage type interest
  • Data minimization by design
  • Secure data transmission (TLS 1.3)
  • Business associate agreements available
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CCPA / State Privacy

State

California Consumer Privacy Act and applicable state privacy laws are respected. Consumers can access, delete, or opt out of the sale of their data.

  • CCPA opt-out rights honored
  • Data subject request processing
  • Do Not Sell My Info page maintained
  • Virginia (VCDPA) compliance
  • Colorado, Connecticut, Texas laws
⚖️

FTC Regulations

Federal

Federal Trade Commission rules on telemarketing, deceptive advertising, and lead generation are embedded in our operational policies.

  • FTC Telemarketing Sales Rule compliance
  • Truthful advertising standards
  • No deceptive lead capture practices
  • Clearly disclosed data usage
  • Lead buyer disclosure requirements
📜

State Regulations

State

In addition to federal law, we comply with insurance-specific marketing regulations in all 50 states where we operate.

  • State insurance department guidelines
  • State-specific telemarketing laws
  • State DNC list scrubbing
  • Licensing disclosure requirements
  • State consumer protection laws
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CMS Compliance

CMS

For Medicare leads, we follow Centers for Medicare & Medicaid Services marketing guidelines. We are not affiliated with or endorsed by CMS or Medicare.

  • Scope of Appointment captured
  • CMS marketing guidelines followed
  • No government affiliation implied
  • Medicare enrollment period compliance
  • Required CMS disclosures included
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Consent Documentation

Federal

Every lead we deliver includes a complete consent record package that protects our clients from TCPA litigation risk.

  • Lead-level consent certificate
  • Consent language at time of capture
  • Source URL and page screenshot
  • Consumer IP address and timestamp
  • Retained for 4+ years

Questions About Our Compliance Program?

Our compliance team is available to answer your questions and provide documentation upon request.

Contact Compliance Team →

Our Compliance Commitment

Compliance isn't a checkbox for Lead Zentra — it's the core of our business model. We employ dedicated compliance staff, engage outside TCPA counsel, and conduct regular audits of all our lead generation programs.

Our clients' peace of mind is worth more than any lead. That's why we've invested deeply in building the most compliant lead generation infrastructure in the insurance industry.

  • Dedicated Chief Compliance Officer
  • Retained outside TCPA legal counsel
  • Quarterly third-party compliance audits
  • Real-time DNC scrubbing technology
  • Consent records available per lead on request

Compliance at a Glance

TCPA Consent Rate100%
DNC Scrub FrequencyDaily
Consent Record Retention4 Years
Outside Counsel ReviewsQuarterly
Compliance Audits / Year4
States in ComplianceAll 50