TCPA Compliance Disclosure
The Telephone Consumer Protection Act (TCPA) is a federal law that protects consumers from unwanted telemarketing calls, texts, and faxes. This page explains how mortalloans.com complies with the TCPA and your rights under this law.
What is the TCPA?
The Telephone Consumer Protection Act (TCPA) was enacted in 1991 and restricts telemarketing calls, auto-dialed calls, pre-recorded calls, text messages, and unsolicited faxes. It requires businesses to obtain prior express written consent before making telemarketing calls or sending marketing text messages using an automatic telephone dialing system (ATDS) or artificial/prerecorded voice.
Under the TCPA, you have the right to:
- Opt-out of telemarketing calls
- Receive do-not-call requests from telemarketers
- Provide prior express written consent for certain types of calls
- Sue telemarketers who violate the TCPA
Our TCPA Compliance Practices
Prior Express Written Consent
By submitting your information through our online form, you provide prior express written consent for mortalloans.com and our network of lenders and marketing partners to contact you at the telephone number(s) you provide using automated telephone dialing systems, artificial or pre-recorded voice messages, and/or text messages, even if the number is on a corporate, state, or national Do Not Call Registry.
Consent Scope
Your consent covers:
- Telemarketing and informational calls regarding loan products and services
- Text messages for marketing and informational purposes
- Calls to verify your identity and information
- Calls regarding your loan inquiry or application status
- Follow-up calls for customer service purposes
No Purchase Required
Your consent is not a condition of purchasing any property, goods, or services. You are not required to agree to receive these communications to use our services or submit a loan inquiry.
Your Rights Under TCPA
Right to Revoke Consent
You have the right to revoke your consent at any time. To revoke your consent for telemarketing calls and text messages:
- For Text Messages: Reply "STOP" to any text message you receive from us or our partners. You will receive one final confirmation text message.
- For Phone Calls: Clearly state that you wish to revoke consent for future telemarketing calls. You may also email us at support@mortalloans.com.
Note: Revoking consent may limit our ability to connect you with lenders and provide you with information about loan products and services.
Do Not Call Requests
If you request to be placed on our internal Do Not Call list, we will honor your request within 30 days. To be added to our internal Do Not Call list, please email your request to donotcall@mortalloans.com with your full name and telephone number(s).
Message and Data Rates
Important Notice: Standard message and data rates may apply to text messages you receive from us or our partners. Message frequency varies. Contact your mobile carrier for details about your specific plan.
- Carriers are not liable for delayed or undelivered messages
- You must have a text-capable mobile device
- Available on most U.S. carriers
- You may receive messages even if your mobile number is registered on any state or federal Do Not Call list
Third-Party Compliance
When we share your information with lenders and marketing partners in our network, we require them to comply with TCPA regulations. However, we cannot guarantee that all third parties will fully comply. Each lender or marketing partner is responsible for their own TCPA compliance.
If you receive communications from a lender or marketing partner that you believe violate TCPA regulations, you should contact that party directly and follow their opt-out procedures.
How We Obtain Your Consent
We obtain your prior express written consent through our online forms. When you submit a form on our website:
- Clear Disclosure: We clearly disclose that by submitting your information, you consent to receive telemarketing calls and texts
- Electronic Signature: Your submission of the form serves as your electronic signature
- Record Keeping: We maintain records of your consent, including the date, time, IP address, and form submission details
- Consent Language: The consent language is presented in a clear and conspicuous manner
Contact for TCPA Issues
If you have questions or concerns about TCPA compliance or wish to exercise your TCPA rights:
Email: tcpacompliance@mortalloans.com
Mail:
TCPA Compliance Officer
Customer Acquisition LLC
Springates Building, Lower Government Road
Charlestown, Saint Kitts and Nevis
For Do Not Call Requests: donotcall@mortalloans.com
Please include your full name, telephone number(s), and email address in all communications to help us process your request efficiently.
State-Specific Requirements
Some states have additional telemarketing laws that may provide greater protections than the federal TCPA. We comply with applicable state laws, including but not limited to:
- California Consumer Privacy Act (CCPA)
- Florida Telemarketing Act
- New York Telemarketing Laws
- Texas Telemarketing Disclosure and Privacy Act
- And other state-specific regulations
State laws may impose additional requirements or provide additional rights. Please check your state's specific telemarketing regulations for complete information about your rights.
Record Retention
We maintain records of your consent for a minimum of five (5) years from the date consent was given. These records include:
- The specific consent language you agreed to
- Date and time of consent
- IP address from which consent was given
- Telephone number(s) provided
- Any revocation of consent with date and method
Enforcement and Penalties
The TCPA is enforced by the Federal Communications Commission (FCC) and through private rights of action. Violations of the TCPA can result in:
- Statutory damages of $500 per violation
- Treble damages of $1,500 per willful violation
- Injunctions against future violations
- Other remedies as determined by a court
We take TCPA compliance seriously and have implemented policies and procedures to ensure compliance. However, if you believe we have violated the TCPA, you may file a complaint with the FCC or pursue private legal action.
Updates to This Disclosure
We may update this TCPA Compliance Disclosure from time to time to reflect changes in the law, our practices, or for other operational, legal, or regulatory reasons. The "Last Updated" date at the bottom of this page indicates when this disclosure was last revised. Your continued use of our services after any changes constitutes your acceptance of the revised disclosure.
By using mortalloans.com and submitting your information through our online forms, you acknowledge that you have read, understood, and agree to this TCPA Compliance Disclosure.
Last Updated: September 2026
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TCPA Notice: By submitting your information, you provide prior express written consent for mortalloans.com and our network of lenders and marketing partners to contact you via automated telephone dialing systems, artificial or pre-recorded voice messages, and text messages at the telephone number(s) you provide.