TCPA Compliance

BenefitKarma is committed to complying with the Telephone Consumer Protection Act (TCPA) and respecting your communication preferences. This policy explains how we handle telephone calls, text messages, and your rights regarding these communications.

1. Consent Requirements

Before contacting you via telephone or text message, we obtain your express written consent. This consent is obtained when you:

Complete a form on our website and check the consent checkbox
Provide your phone number during the account registration process
Opt-in to receive text message notifications
Request a callback from our team

Important: Your consent to receive communications is not a condition of purchasing any products or services from BenefitKarma. Our tools and services are free to use.

2. Types of Communications

We may contact you for the following purposes:

Transactional Communications

Confirmation of form submissions
Status updates on your claims or applications
Important deadline reminders (e.g., ITF expiration)
Account security notifications

Informational Communications

Updates about new tools or features
Educational content about VA benefits
Newsletters (if subscribed)

Partner Communications

When you explicitly consent to be contacted by a partner service
Partner communications are governed by separate consent

3. How to Opt Out

You have the right to opt out of communications at any time. Here's how:

Text Messages

Reply STOP to any text message to immediately unsubscribe from all text communications. You will receive a confirmation message.

Phone Calls

Request to be placed on our internal Do Not Call list during any call, or email [email protected] with your phone number and "Do Not Call" in the subject line.

Account Settings

4. Do Not Call List Compliance

BenefitKarma maintains an internal Do Not Call list and honors the National Do Not Call Registry. We scrub our calling lists against the National Registry at least every 31 days.

If you are on the National Do Not Call Registry and receive an unsolicited call from us, please contact us immediately at [email protected] so we can investigate and resolve the issue.

5. Autodialer and Prerecorded Messages

We may use automatic telephone dialing systems (ATDS) or prerecorded voice messages only when you have provided express written consent. This consent is clearly disclosed at the time you provide your phone number.

Frequency: Message frequency varies based on your activity and preferences. Standard message and data rates may apply.

6. Record Keeping

We maintain records of all consent obtained, including:

The date and time consent was given
The phone number for which consent was obtained
The specific language used to obtain consent
The IP address and user agent (for web-based consent)
Opt-out requests and the date they were processed

These records are retained for a minimum of 5 years in accordance with TCPA requirements.

7. Partner Communications

When you choose to connect with one of our partner services (such as accredited claims agents or legal representatives), you may be asked to provide separate consent for that partner to contact you. This consent is:

Separate from your BenefitKarma communication preferences
Clearly disclosed at the time of partner connection
Subject to the partner's own TCPA compliance policies

To opt out of partner communications, you must contact the partner directly using the opt-out instructions they provide.

8. Complaints and Questions

If you have questions about this TCPA Compliance Policy or wish to file a complaint, please contact us:

Email: [email protected]

Subject Line: TCPA Inquiry

We aim to respond to all inquiries within 2 business days.

Your Rights Under TCPA

• The right to opt out of telemarketing calls and texts at any time
• The right to revoke consent previously given
• The right to sue for violations ($500-$1,500 per violation)
• The right to be free from calls before 8 AM or after 9 PM local time
• The right to be placed on internal and national Do Not Call lists

Date	Version	Summary of Changes
December 31, 2024	1.1	Added complete policy content, partner communications section, and opt-out instructions
January 1, 2024	1.0	Initial TCPA compliance policy published