Section 01
Consent Pipeline
Four mandatory stages run on every record before it enters the routing queue.
1
Consent Capture
TCPA-compliant language embedded on all originating forms. Explicit agreement to be contacted by licensed agents. Timestamp and IP logged at capture.
2
Identity Verification
Name, phone, email, and address cross-referenced against authoritative data sources in real time. Unverifiable records are quarantined before scoring.
3
Suppression Screening
National DNC Registry, internal opt-outs, state suppression files, and buyer-specific exclusion lists checked before any routing decision is made.
4
Compliance Certificate
Full audit certificate attached to every delivered record — consent timestamp, session ID, originating URL, IP address, and regulatory flags included.
Section 02
Fraud Risk Classification
Our fraud detection engine assigns every record a risk tier. High-risk records are rejected before delivery.
| Risk Tier | Score | Key Signals | Routing Decision |
|---|
| Low | 0–25 | Clean device fingerprint, verified identity, known IP, valid consent chain | Immediately eligible — full market access |
| Medium | 26–55 | Proxy IP, minor identity mismatch, high-velocity submission, unrecognized device | Secondary review queue — additional verification required |
| High | 56–79 | VPN/datacenter IP, multiple submissions from same device, consent gap | Held for manual review — not delivered until cleared |
| Critical | 80–100 | Known fraud device, spoofed identity, bot behavior, blacklisted source | Permanently rejected — publisher flagged and suppressed |
Section 03
Platform Compliance Controls
Compliance enforcement spans data collection, delivery, publisher management, and buyer-side tooling.
Data Collection Standards
- Consent language reviewed by external legal counsel annually
- Session metadata captured: IP, timestamp, device fingerprint, consent URL
- Pre-checked boxes and forced opt-ins prohibited at publisher level
- Age gates enforced for all Medicare-adjacent forms (65+ verification)
- Consent records retained 5 years with immutable audit trail
Delivery Architecture
- All records delivered via encrypted API — TLS 1.2+ enforced
- Buyer-level suppression lists applied at runtime per delivery
- Duplicate detection window configurable from 30 days to 12 months
- Return and dispute portal with 48-hour resolution SLA
- Full audit log available per record via buyer dashboard
Publisher Compliance Enforcement
- Legal attestation required before account activation
- Traffic sources subject to random spot-audit by compliance team
- Automated traffic pattern analysis flags anomalies within minutes
- Zero-tolerance policy — fraudulent publishers permanently removed
- Publisher contracts include explicit TCPA indemnification clauses
Buyer-Side Tools
- Per-record compliance certificate downloadable from dashboard
- Configurable volume caps and delivery schedule controls
- Real-time dispute submission with auto-credit for validated returns
- Campaign-level DNC suppression list upload supported
- API-level consent verification endpoint available on request
Section 04
Fraud Prevention Protocols
A six-layer fraud prevention stack runs continuously across all traffic entering the ClickLogic.ai network.
01
Device Intelligence & Fingerprinting
Every device submitting a form is fingerprinted using behavioral signals, browser attributes, and hardware identifiers. Devices linked to prior fraud are blocked before form completion. Headless browsers and emulated environments are detected and rejected in real time.
02
IP Reputation & Geo-Verification
IP addresses are cross-referenced against real-time threat intelligence. VPN, Tor, datacenter, and proxy IPs are flagged and escalated. Geographic inconsistencies between stated location and detected IP trigger secondary verification automatically.
03
Velocity & Behavioral Analysis
Submission velocity is monitored at session, device, IP, and publisher levels. Form completion patterns are analyzed for bot-like characteristics including fill speed, keypress timing, and cursor movement. Anomalous velocity triggers automatic rate-limiting and escalation.
04
Identity Cross-Validation
Consumer identity fields are validated against authoritative third-party databases. Mismatches across more than one field trigger quarantine. Phone and email deliverability is tested before any record is eligible for delivery.
05
Publisher Traffic Monitoring
Every publisher source is continuously monitored for return rate, dispute frequency, and conversion quality. Underperforming or high-dispute publishers are automatically throttled, escalated for review, and removed if patterns persist.
06
Post-Delivery Feedback Loop
Buyer feedback — contact rates, conversions, disputes — feeds back into AI models within 24 hours. This closed-loop learning improves fraud detection accuracy continuously and allows retroactive pattern identification.
Section 05
CMS & Regulatory Compliance
Full compliance with federal and state regulations governing Medicare and health insurance lead generation, including CMS TPMO marketing guidelines.
CMS TPMO Guidelines
- All Medicare campaigns reviewed against current TPMO guidelines pre-launch
- Prohibited benefit claims and misleading language blocked at publisher onboarding
- SMID numbers required for all Medicare Advantage ad placements
- Annual CMS guideline review with external legal counsel before AEP/OEP
- Consumer disclosure language updated to reflect annual CMS rule changes
TCPA Compliance Framework
- 1-to-1 consent requirement enforced for all outbound call campaigns
- Prior express written consent documented and timestamped per record
- Jornaya LeadiD and TrustedForm certificates stored per consumer record
- National DNC scrubbing applied at time of delivery, not only at capture
- State-level calling hour restrictions enforced in real-time routing
State Regulatory Standards
- California CCPA-compliant data handling, storage, and deletion procedures
- State-specific DNC lists maintained and applied for all 50 states
- Age verification enforced for state-mandated verticals
- Florida and Texas additional calling restrictions applied at routing layer
- State insurance department guidance monitored quarterly
Section 06
Third-Party Validation Partners
Every record carries independent third-party documentation from the industry's leading compliance verification platforms.
Jornaya LeadiD
Independent consent certification with session-level tracking for TCPA defense.
TrustedForm
Real-time consent certificate generation with session replay for compliance and dispute resolution.
DNC.com
Real-time National DNC Registry scrubbing at delivery with timestamped verification logs.
EZTPV & Recording
Electronic third-party verification and call recording for inbound call compliance documentation.