afforable

Do Not Call Policy

Last updated: November 25, 2025

1. Overview

Afforable™ respects your communication preferences and is committed to complying with all applicable Do Not Call regulations across the jurisdictions where we operate, including the United States, Canada, and Australia. This policy explains how we handle Do Not Call requests and our communication practices.

IMPORTANT: By submitting your information through our website, you are providing express written consent to be contacted by us and our insurance carrier partners, even if your number is listed on any Do Not Call registry.

2. Jurisdictional Compliance

United States

We comply with the Telephone Consumer Protection Act (TCPA) and Federal Trade Commission's Telemarketing Sales Rule (TSR), including:

  • Maintaining our own internal Do Not Call list
  • Honoring the National Do Not Call Registry (with exceptions for express consent)
  • Providing clear identification during calls
  • Maintaining records of consent and opt-out requests
  • Training staff on TCPA compliance requirements

Canada

We comply with the Canadian Radio-television and Telecommunications Commission (CRTC) Do Not Call List and related regulations:

  • Respecting the National Do Not Call List (DNCL)
  • Obtaining express consent before making telemarketing calls
  • Providing caller identification information
  • Maintaining internal Do Not Call lists
  • Complying with Canadian Anti-Spam Legislation (CASL)

Australia

We comply with the Do Not Call Register Act 2006 and Australian Communications and Media Authority (ACMA) requirements:

  • Checking the Do Not Call Register before making telemarketing calls
  • Maintaining consent records for existing customer relationships
  • Providing clear caller identification
  • Honoring opt-out requests immediately
  • Complying with the Privacy Act 1988

3. Express Consent and Lead Generation

When you submit your information through our website or request insurance quotes, you are providing express written consent for the following communications:

Scope of Consent

  • Telephone Calls: Including autodialed, prerecorded, and live agent calls
  • Text Messages (SMS): Marketing and informational messages
  • Email Communications: Insurance quotes, offers, and related information
  • Multiple Contacts: From us and our partner insurance carriers

Duration of Consent

Your consent remains valid for:

  • 90 days from the date of your initial inquiry for quote-related communications
  • Ongoing for existing customer relationship communications
  • Until you explicitly revoke consent through our opt-out procedures

Partner Communications

By providing your information, you also consent to receive communications from our licensed insurance carrier partners. Each partner may have their own communication policies and opt-out procedures.

4. Communication Types and Frequency

Initial Contact

  • Immediate response to your quote request (within 24 hours)
  • Follow-up calls to complete your insurance application
  • Clarification calls for additional information needed

Ongoing Communications

  • Policy renewal reminders and opportunities
  • New insurance product offerings
  • Market updates and rate changes
  • Customer service and support calls

Frequency Limits

We maintain reasonable communication frequency limits:

  • No more than 3 calls per day from our network
  • No calls before 8:00 AM or after 9:00 PM in your local time zone
  • No calls on Sundays or major holidays (unless you specifically request)
  • Immediate cessation upon opt-out request

5. How to Opt Out

Immediate Opt-Out Methods

You can opt out of communications at any time using these methods:

Phone Calls

  • Tell any caller "Remove me from your calling list" or "Put me on your Do Not Call list"
  • Use our secure online contact form (recommended method)
  • The request will be processed immediately and confirmed within 24 hours

Text Messages (SMS)

  • Reply "STOP" to any text message
  • Reply "UNSUBSCRIBE" to opt out
  • You will receive a confirmation message

Email Communications

  • Click the "Unsubscribe" link in any email
  • Submit a request through our contact form
  • Include your full name and phone number in the request

Online Opt-Out

  • Visit our website's opt-out page: [Your Website]/opt-out
  • Complete our secure contact form with your request details
  • You will receive email confirmation within 24 hours

Processing Time

All opt-out requests are processed:

  • Immediately: For live agent calls (during the call)
  • Within 24 hours: For all other communication channels
  • Confirmation: You will receive confirmation of your opt-out request
  • Partner Notification: We notify all partner carriers within 48 hours

6. Exceptions to Do Not Call

Even if you are on a Do Not Call list, we may still contact you in the following circumstances:

Express Consent

  • You have provided written consent through our website
  • You have an existing business relationship with us
  • You have specifically requested information or quotes

Existing Customer Relationship

  • You have purchased insurance through our service within the last 18 months
  • You have an active insurance policy obtained through our network
  • You have made an inquiry within the last 3 months

Non-Commercial Calls

  • Customer service and support calls
  • Policy administration and claims assistance
  • Fraud prevention and security notifications
  • Legal notices and regulatory communications

7. Third-Party Partners

When we share your information with insurance carriers and agents, we require them to:

  • Comply with all applicable Do Not Call regulations
  • Honor your communication preferences
  • Provide their own opt-out mechanisms
  • Maintain records of consent and opt-out requests

Note: Each insurance carrier may have their own Do Not Call policies. You may need to opt out separately with each carrier that contacts you.

8. Record Keeping and Compliance

We maintain comprehensive records including:

  • Date and time of consent obtained
  • Method of consent (website form, phone, etc.)
  • Scope of consent granted
  • All opt-out requests and processing dates
  • Communication logs and call recordings (where legally permitted)

These records are maintained for a minimum of 5 years and are available for regulatory inspection upon request.

9. Complaints and Violations

Filing a Complaint

If you believe we have violated Do Not Call regulations, you can:

  • Submit a complaint through our secure contact form
  • Select "File a Complaint" as your inquiry type for priority handling
  • File a complaint with the appropriate regulatory authority

Regulatory Authorities

  • United States: Federal Trade Commission (FTC) and Federal Communications Commission (FCC)
  • Canada: Canadian Radio-television and Telecommunications Commission (CRTC)
  • Australia: Australian Communications and Media Authority (ACMA)

Our Response

We will:

  • Acknowledge your complaint within 24 hours
  • Investigate the matter thoroughly
  • Provide a written response within 10 business days
  • Take corrective action if a violation is found
  • Implement additional training or procedures as needed

10. Updates to This Policy

We may update this Do Not Call Policy to reflect changes in regulations, business practices, or technology. Material changes will be communicated through:

  • Website notification
  • Email notification to recent inquirers
  • Updated effective date on this page

11. Contact Information

For questions about this Do Not Call Policy or to exercise your communication preferences:

To submit Do Not Call requests, complaints, or questions, please contact us through our secure form. This ensures your request is properly documented and handled by our compliance team.

Response Times:

  • • Do Not Call requests: Within 24 hours
  • • General inquiries: Within 1-2 business days
  • • Complaints: Immediate escalation to management

Emergency Opt-Out: Available 24/7 via our online contact form. Select "Do Not Call Request" for immediate processing.