TCPA Compliance Disclosures

SparkForge LLC (“SparkForge,” “we,” “us,” or “our”) is committed to full compliance with the Telephone Consumer Protection Act (TCPA), the FCC’s implementing regulations, and all applicable federal and state telemarketing and messaging laws. This document describes CashText’s compliance practices.

1. Consent Collection

1.1 Prior Express Written Consent

CashText obtains prior express written consent from every user before sending any promotional or marketing SMS or MMS messages, in compliance with 47 U.S.C. § 227 and 47 C.F.R. § 64.1200. Consent is obtained through our web-based registration form at cashtext.io.

During registration, prior to completing account creation, each user is presented with the following clear and conspicuous disclosure:

The user must affirmatively check a required consent checkbox and click the “Sign Up” button to provide consent. Pre-checked boxes are never used. The consent mechanism constitutes a “clear and conspicuous disclosure” and an “unambiguous written consent” as required under the TCPA and FCC rules.

1.2 Consent Documentation

For every user who provides consent, CashText retains the following records for a minimum of five (5) years:

• The phone number for which consent was obtained.
• The exact date and time (UTC) consent was provided.
• The IP address from which the consent was submitted.
• The user agent string of the browser used during registration.
• The exact version of the consent language displayed to the user at the time of opt-in.
• A record that the consent checkbox was affirmatively checked (not pre-checked).
• The URL of the registration page where consent was obtained.

These records are maintained in a secure database and are available for regulatory review upon request.

1.3 Multi-Brand Disclosure

CashText delivers promotional messages on behalf of multiple third-party brands and advertisers. Our consent disclosure clearly states that the user agrees to receive messages from “CashText and its advertising partners.” Each promotional message identifies the brand or advertiser on whose behalf the message is sent. Users may update their interest categories at any time to control the types of promotions they receive.

2. Opt-Out Mechanisms

2.1 STOP Keyword

CashText supports the universal STOP keyword for opt-out. When a user sends the word “STOP” (case-insensitive) to any CashText messaging number, the following occurs:

1. The user is immediately removed from all active messaging campaigns.
2. No further promotional messages are sent to the user’s phone number.
3. A single confirmation message is sent to the user:

CashText also recognizes the following additional opt-out keywords: STOPALL, UNSUBSCRIBE, CANCEL, END, and QUIT. All keywords are processed identically and result in immediate opt-out.

2.2 Other Opt-Out Methods

In addition to keyword-based opt-out, users may opt out through the following methods:

• Email: By sending an opt-out request to support@cashtext.io with the subject line “Unsubscribe” and including the phone number to be removed.
• Website: Through the account settings page at cashtext.io when logged into their account.
• Any Reasonable Means: In compliance with FCC rules effective April 2025, CashText honors opt-out requests received through any reasonable means, including but not limited to oral requests, written requests, and requests made through customer support channels. All opt-out requests are processed within a reasonable time, and in no event later than ten (10) business days after receipt.

2.3 Resubscription

Users who have previously opted out may resubscribe to CashText messages only by completing a new registration at cashtext.io and providing fresh prior express written consent. CashText does not re-enroll opted-out users without obtaining new, affirmative consent. Replying “START” or “UNSTOP” to a CashText number will initiate the re-consent process by directing the user to our website to complete registration.

3. Message Content Compliance

3.1 Required Disclosures

Every promotional message sent through the CashText platform includes the following required disclosures:

• Identification of the sender as “CashText” at the beginning of the message.
• The name or brand of the advertiser on whose behalf the message is sent.
• A clear indication that the message is promotional in nature.
• Opt-out instructions (“Reply STOP to opt out”) in every message or at regular intervals as required by CTIA guidelines.

3.2 HELP Response

When a user sends the keyword “HELP” (case-insensitive) to any CashText messaging number, the following response is automatically sent:

3.3 FTC Affiliate Disclosures

Where CashText earns a commission or fee from an advertiser when a user engages with a promotional offer, we include appropriate affiliate disclosures in compliance with FTC Endorsement Guides (16 C.F.R. Part 255). Disclosures are clear, conspicuous, and placed in close proximity to the promotional claim. Typical disclosure language includes “Ad” or “Sponsored” at the beginning of the message, along with “#ad” where applicable.

3.4 CTIA SHAFT Compliance

All messages sent through the CashText platform comply with the CTIA’s Short Code Monitoring Handbook and Messaging Principles and Best Practices, including the prohibition on SHAFT content (Sex, Hate, Alcohol, Firearms, and Tobacco). CashText does not deliver messages promoting:

• Sexual or adult content.
• Hate speech, discrimination, or violence.
• Alcohol products or promotions (unless compliant with applicable age-gating requirements).
• Firearms, ammunition, or weapons.
• Tobacco or vaping products.

All advertising content is reviewed prior to delivery to ensure compliance with CTIA content standards and applicable federal and state regulations.

4. A2P 10DLC Registration

CashText operates under a registered Application-to-Person (A2P) 10-Digit Long Code (10DLC) campaign in compliance with carrier requirements and The Campaign Registry (TCR) standards. Our registration details are as follows:

CashText maintains its 10DLC registration in good standing and complies with all TCR and carrier-mandated vetting requirements.

5. Do Not Call Compliance

CashText maintains full compliance with the National Do Not Call Registry and applicable state Do Not Call regulations:

• Internal DNC List: CashText maintains an internal Do Not Call list of all phone numbers that have opted out of receiving messages. This list is updated in real time upon receipt of any opt-out request. Phone numbers on the internal DNC list are never re-enrolled without fresh, affirmative consent obtained through a new registration.
• National Do Not Call Registry: CashText honors the National Do Not Call Registry maintained by the Federal Trade Commission. We do not send promotional messages to phone numbers listed on the National DNC Registry unless the user has provided prior express written consent through our registration process.
• Registry Scrubbing: CashText scrubs its messaging lists against the National Do Not Call Registry at least once every thirty-one (31) days, in compliance with FTC requirements. Any phone numbers found on the registry that have not provided valid consent are immediately removed from all messaging campaigns.
• State DNC Lists: Where applicable, CashText also complies with state-specific Do Not Call regulations and maintains compliance with state DNC lists.

6. Record Keeping

CashText maintains comprehensive records to demonstrate TCPA compliance. The following records are retained for the periods indicated:

• Consent Records: Documentation of each user’s prior express written consent, including timestamp, IP address, user agent, consent language version, and registration URL. Retained for a minimum of five (5) years from the date of consent or last message sent, whichever is later.
• Opt-Out Log: A complete log of all opt-out requests, including the phone number, date and time of the opt-out request, the method of opt-out (keyword, email, website, or other), and confirmation that the opt-out was processed. Retained for a minimum of five (5) years.
• Message Content: Records of all message content sent to users, including the text of each message, the advertiser or brand associated with the message, and any affiliate disclosures included. Retained for a minimum of twenty-four (24) months from the date of transmission.
• Delivery Reports: Delivery status reports for all messages sent, including delivery confirmations, failure reports, and carrier error codes as provided by our messaging provider (Twilio). Retained for a minimum of twenty-four (24) months from the date of transmission.
• DNC List Records: Records of all phone numbers on the internal Do Not Call list, including the date added and the reason for inclusion. Retained for the duration of the number’s presence on the DNC list plus five (5) years after removal.

7. Carrier and Regulatory Compliance

CashText maintains compliance with all applicable carrier requirements and industry standards:

• CTIA Guidelines: CashText adheres to the CTIA’s Messaging Principles and Best Practices, including requirements for consent, opt-out, message content, and consumer transparency.
• Carrier Guidelines: CashText complies with the messaging policies and guidelines of all major U.S. wireless carriers, including AT&T, T-Mobile, and Verizon. We monitor carrier policy updates and adjust our practices accordingly.
• Throughput Limits: CashText respects carrier-imposed throughput limits and message rate caps. Our messaging infrastructure is configured to send messages within approved throughput rates to avoid carrier filtering or blocking. Message sending is throttled according to our 10DLC campaign trust score and carrier-allocated throughput.
• Content Filtering: CashText proactively monitors for and avoids content patterns known to trigger carrier content filters, including URL shorteners on carrier blocklists, excessive capitalization, and deceptive messaging patterns.
• Campaign Monitoring: CashText actively monitors opt-out rates, complaint rates, and carrier feedback to ensure ongoing compliance and maintain campaign health metrics within acceptable thresholds.

8. Contact Information

For questions, concerns, or requests regarding CashText’s TCPA compliance practices, please contact us:

For regulatory inquiries or to request compliance documentation, please direct your correspondence to the email address above with “TCPA Compliance” in the subject line.