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    Legal Document

    TCPA Consent Policy

    MESA & CO CONSULTING LLC DBA MESA GROUP CONSULTING

    Effective Date: [TBD — date of publication]
    Last Updated: [TBD — date of publication]

    This TCPA Consent Policy explains how MESA & CO CONSULTING LLC, doing business as Mesa Group Consulting ("Mesa Group," "we," "us," or "our"), obtains, uses, and manages your consent to contact you by telephone, text message (SMS/MMS), and email in compliance with the Telephone Consumer Protection Act (TCPA), the CAN-SPAM Act, and applicable federal and state telemarketing laws.

    Table of Contents

    1
    WHAT IS THE TCPA?

    The Telephone Consumer Protection Act (TCPA) is a federal law that regulates telemarketing calls, automated telephone calls, prerecorded messages, text messages, and unsolicited faxes. The TCPA requires companies to obtain prior express written consent before:

    • Making marketing or promotional calls to mobile phones using an automatic telephone dialing system (ATDS) or artificial/prerecorded voice
    • Sending marketing or promotional text messages (SMS/MMS) to mobile phones
    • Making telemarketing calls to numbers listed on the National Do Not Call Registry

    In addition, the Federal Communications Commission's "one-to-one consent" rule (effective April 2025) requires that consent for telemarketing communications be:

    • Specific to a single seller (not bundled with consents for multiple companies)
    • Logically and topically related to the form or transaction in which it was given
    • Separately obtained for marketing communications (distinct from consent to receive service-related communications)

    Mesa Group Consulting is committed to full compliance with the TCPA, FCC rules, and all applicable federal and state telemarketing laws.

    2
    TWO-TIER CONSENT FRAMEWORK

    Mesa Group Consulting separates communications into two distinct categories, each governed by different consent requirements:

    Tier 1

    Service-Related Communications

    These are communications necessary to provide the services you have requested or to secure your account. By providing your phone number and email address when enrolling in our services, you consent to receive service-related communications. See Section 3 for details.

    Tier 2

    Marketing and Promotional Communications

    These are communications about offers, promotions, new services, and educational content. We send these only if you provide separate, explicit opt-in consent through a clearly labeled checkbox or other affirmative action. See Section 4 for details.

    This separation allows you to receive the service communications you need while giving you full control over whether you receive marketing communications.

    3
    SERVICE-RELATED COMMUNICATIONS

    (Required for Account Security and Service Delivery)

    By providing your phone number and email address when enrolling in Mesa Group Consulting's services, you consent to receive service-related communications, including:

    3.1 Service-Related SMS

    • Identity verification and multi-factor authentication (MFA)
    • One-time passwords (OTP) for account access
    • Account security alerts (login from new device, password reset)
    • Appointment reminders and scheduled call confirmations
    • Critical service notifications (document requests, dispute results, time-sensitive updates)
    • Credit monitoring alerts (if enrolled in SmartCredit)
    • Billing notices and payment confirmations

    3.2 Service-Related Phone Calls

    • Initial consultation and onboarding calls
    • Follow-up calls regarding your credit disputes, business funding applications, or other active services
    • Customer service and support calls
    • Account management calls
    • Calls about document requests or required action items
    • Calls regarding account suspension or service issues

    3.3 Service-Related Emails

    • Service confirmations and enrollment confirmations
    • Progress reports and credit monitoring alerts
    • Payment confirmations and billing reminders
    • Account updates and security alerts
    • Customer support responses
    • Service termination or cancellation notices

    These communications are necessary to provide and secure the services you have requested. They are not subject to TCPA marketing consent requirements because they are transactional in nature. Your phone number is not shared with third parties for SMS marketing purposes. For more on how we handle your data, see our Privacy Policy.

    You may opt out of service-related communications by following the methods in Section 9, though doing so may impair our ability to deliver services or maintain account security.

    4
    MARKETING AND PROMOTIONAL COMMUNICATIONS

    (Requires Separate Express Written Consent)

    Mesa Group Consulting sends marketing and promotional communications only with your explicit, separate opt-in consent, in compliance with the TCPA and FCC's one-to-one consent rule.

    4.1 What We Send

    • Promotional offers and discounts
    • Information about new services and features
    • Educational content about credit repair, business funding, and financial services
    • Marketing messages about our products and services
    • Special announcements and company updates
    • Re-engagement messages

    4.2 How We Obtain Consent

    Marketing consent is obtained through:

    • A separate, clearly labeled checkbox on enrollment forms (not pre-checked)
    • Explicit "Yes, I want to receive marketing communications" affirmation
    • Clear disclosure of what messages you will receive
    • Plain-language explanation that consent is not a condition of purchase

    4.3 Sample Marketing Consent Language

    When you opt in to marketing communications, you will see and affirm language similar to the following:

    "I expressly consent to receive marketing and promotional communications from Mesa Group Consulting at the phone number and email address I provide, including text messages (SMS/MMS), phone calls (which may use an automatic telephone dialing system or prerecorded voice), and emails. I understand that consent is not a condition of purchase and that I can opt out at any time by replying STOP to any text message, calling 661-310-3040, or emailing compliance@mesagroupconsulting.com. Message and data rates may apply."

    4.4 Voluntary Consent

    Marketing consent is voluntary. You are not required to provide marketing consent as a condition of purchasing any goods or services from Mesa Group Consulting. Opting out of marketing does not affect your ability to receive service-related communications (Section 3).

    5
    SMS / TEXT MESSAGING

    5.1 Message Frequency

    Message frequency varies depending on the services you enroll in and the consents you provide:

    • Service-Related SMS: Sent as needed (varies based on activity in your account)
    • Marketing SMS: Up to 4 promotional messages per month (only if you opted in)
    • Appointment Reminders: Sent as scheduled appointments approach
    • Credit Monitoring Alerts: Sent when changes are detected on your credit report (if enrolled)

    5.2 Message and Data Rates

    Standard message and data rates may apply based on your mobile carrier plan. Mesa Group Consulting is not responsible for any charges you may incur from your mobile carrier for receiving text messages.

    5.3 Supported Carriers

    Our SMS program supports major U.S. mobile carriers, including but not limited to:

    • AT&T
    • Verizon
    • T-Mobile
    • U.S. Cellular
    • Boost Mobile
    • Cricket Wireless
    • MetroPCS

    If your carrier is not supported, you may not receive text messages from Mesa Group Consulting.

    5.4 Opt-Out of SMS

    To stop receiving text messages from Mesa Group Consulting, reply STOP to any text message you receive. You will receive a confirmation message acknowledging your opt-out request.

    Alternative Opt-Out Methods:

    Note: After opting out of marketing messages, you may still receive service-related (transactional) messages necessary to provide the services you have enrolled in. To stop service-related SMS as well, contact us directly at compliance@mesagroupconsulting.com.

    5.5 Help and Support

    For help with text messages, reply HELP to any message or contact us:

    6
    PHONE CALLS

    6.1 Call Consent

    By providing your phone number, you consent to receive service-related phone calls from Mesa Group Consulting (Section 3). Marketing or promotional phone calls require separate express written consent (Section 4).

    6.2 Automated Calls and Prerecorded Messages

    Mesa Group Consulting may use an automatic telephone dialing system (ATDS) or prerecorded messages to contact you. By providing express written consent (where applicable for marketing purposes) or by enrolling in our services (for service-related purposes), you consent to receive calls made using these technologies.

    6.3 Opt-Out of Phone Calls

    To stop receiving marketing or promotional phone calls from Mesa Group Consulting:

    • Call us: 661-310-3040 and request to be placed on our internal do-not-call list
    • Email us: compliance@mesagroupconsulting.com with "Do Not Call" in the subject line
    • Write to us: MESA GROUP CONSULTING, Attn: Compliance Department, 5001 California Ave, Suite 219, Bakersfield, CA 93309

    Note: Even after opting out of marketing calls, you may still receive service-related calls necessary to provide the services you have enrolled in (e.g., follow-up calls about your credit disputes, business funding applications, or document requests).

    7
    CALL RECORDING

    7.1 Calls May Be Recorded

    Phone calls between you and Mesa Group Consulting may be recorded for quality assurance, training, compliance, and dispute resolution purposes. You will be notified at the beginning of any recorded call.

    7.2 Two-Party Consent Disclosure

    Mesa Group Consulting is based in California, which is a two-party (all-party) consent state for call recording under California Penal Code § 632. Several other states (including Florida, Illinois, Massachusetts, Michigan, Montana, Nevada, New Hampshire, Pennsylvania, and Washington) also require two-party consent.

    When we record a call:

    • You will be informed at the start of the call that the call is or may be recorded
    • By continuing the call after this notification, you consent to the recording
    • If you do not wish to be recorded, you may notify our representative and request the call not be recorded, or end the call

    7.3 Use and Storage of Call Recordings

    Call recordings are stored and processed through secure technology providers (such as GoHighLevel and cloud storage providers) for quality assurance, transcription, training, and compliance purposes, as described in our Privacy Policy and California Privacy Rights notice.

    8
    EMAIL COMMUNICATIONS

    8.1 Email Consent

    By providing your email address, you consent to receive service-related emails from Mesa Group Consulting (Section 3). Marketing or promotional emails require separate opt-in consent (Section 4).

    8.2 CAN-SPAM Compliance

    Mesa Group Consulting complies with the CAN-SPAM Act by:

    • Including accurate sender information in all emails
    • Providing clear subject lines that reflect the content of the email
    • Including our physical address in all marketing emails
    • Providing a clear and easy opt-out mechanism (unsubscribe link)
    • Honoring opt-out requests within 10 business days

    8.3 Opt-Out of Marketing Emails

    To stop receiving marketing emails from Mesa Group Consulting:

    Note: After opting out of marketing emails, you may still receive service-related emails necessary to provide the services you have enrolled in (e.g., credit dispute updates, billing notices, security alerts).

    9
    OPT-OUT RIGHTS

    You have the right to opt out of marketing and promotional communications at any time. Opting out does not affect:

    • Service-related communications (appointment reminders, progress reports, billing notices, account updates, security alerts)
    • Communications required by law or regulation
    • Communications necessary to fulfill contractual obligations
    • Communications related to services you have actively enrolled in

    9.1 How to Opt Out

    Communication TypeOpt-Out MethodEffective Date
    Marketing Text Messages (SMS)Reply STOP to any text messageImmediately upon receiving "STOP" reply
    Marketing Phone CallsCall 661-310-3040 or email compliance@mesagroupconsulting.comWithin 10 business days
    Marketing EmailsClick "Unsubscribe" link in any email or email compliance@mesagroupconsulting.comWithin 10 business days
    All Marketing CommunicationsEmail compliance@mesagroupconsulting.com or call 661-310-3040 with "Opt Out of All Marketing" requestWithin 10 business days
    Service-Related CommunicationsContact compliance@mesagroupconsulting.com directly (note: opting out may affect service delivery)Within 10 business days

    9.2 Processing Opt-Out Requests

    Mesa Group Consulting will process your opt-out request within:

    • Text Messages: Immediately upon receiving "STOP" reply
    • Phone Calls: Within 10 business days
    • Emails: Within 10 business days

    See also our Do Not Sell or Share My Personal Information notice for additional opt-out rights related to data sharing.

    10
    DO NOT CALL REGISTRY

    Mesa Group Consulting respects the National Do Not Call Registry and state do-not-call lists. If your phone number is registered on the National Do Not Call Registry, we will not make telemarketing calls to your number unless you have provided express written consent to receive such calls.

    To register your number on the National Do Not Call Registry:

    Note: Registering your number on the Do Not Call Registry does not prevent you from receiving:

    • • Calls from companies with which you have an existing business relationship
    • • Calls to which you have provided express consent
    • • Service-related calls necessary to provide services you have enrolled in

    11
    CONSENT REQUIREMENTS

    11.1 Valid Consent

    For your consent to receive marketing communications to be valid under the TCPA and FCC rules, the following conditions must be met:

    • Written Consent: Your consent must be in writing (electronic or physical signature)
    • Clear and Conspicuous: The consent disclosure must be clear, conspicuous, and not hidden in fine print
    • Not a Condition of Purchase: Consent is not required as a condition of purchasing goods or services
    • Specific Phone Number: You must provide the specific phone number(s) to which you consent to receive communications
    • One-to-One Consent: Consent must be specific to Mesa Group Consulting (not bundled with consents for other companies)
    • Topically Related: Consent must be logically related to the form or transaction in which it was given
    • Opt-Out Information: You must be informed of your right to opt out at any time

    Consent Is Not a Condition of Purchase.

    You are not required to provide consent to receive marketing or promotional communications as a condition of purchasing any goods or services from Mesa Group Consulting. Marketing consent is entirely voluntary, and you may decline marketing consent without affecting your ability to enroll in or receive any of our services.

    11.2 Revoking Consent

    You may revoke your consent to receive communications at any time using the opt-out methods described in Section 9. Revoking consent does not affect:

    • Communications you have already received
    • Communications sent before your opt-out request is processed
    • Service-related communications necessary to provide your enrolled services

    11.3 Updates to Phone Number

    If you change your phone number, you are responsible for notifying Mesa Group Consulting to update your contact information. We are not responsible for communications sent to an outdated phone number that has been reassigned to another person.

    12
    STATE-SPECIFIC TELEMARKETING NOTICES

    In addition to the federal TCPA, several states have enacted additional telemarketing protections ("mini-TCPA" laws) that may apply to residents of those states.

    12.1 California Residents

    California's call recording law (Penal Code § 632) requires two-party consent before any call is recorded. Mesa Group Consulting complies with this requirement (see Section 7).

    California residents may also report telemarketing complaints to:

    Bureau of Consumer Protection, California Department of Justice

    Website: https://oag.ca.gov/contact/consumer-complaint-against-business-or-company

    See also our California Privacy Policy.

    12.2 Florida Residents

    The Florida Telephone Solicitation Act (FTSA) imposes additional restrictions on telephone marketing, including stricter consent requirements for autodialed and prerecorded calls and texts. Mesa Group Consulting honors these requirements when communicating with Florida residents. To opt out or report a violation, contact compliance@mesagroupconsulting.com or:

    Florida Department of Agriculture and Consumer Services

    Phone: 1-800-435-7352

    Website: https://www.fdacs.gov

    12.3 Washington Residents

    Washington's telemarketing statute (RCW 80.36.400) imposes restrictions on automated and prerecorded marketing calls. Mesa Group Consulting honors these requirements when communicating with Washington residents. To opt out or report a violation, contact compliance@mesagroupconsulting.com or:

    Washington State Office of the Attorney General

    Phone: 1-800-551-4636

    Website: https://www.atg.wa.gov

    12.4 Oklahoma Residents

    The Oklahoma Telephone Solicitation Act imposes restrictions on telemarketing calls and text messages, including stricter consent and opt-out requirements. Mesa Group Consulting honors these requirements when communicating with Oklahoma residents. To opt out or report a violation, contact compliance@mesagroupconsulting.com or:

    Oklahoma Office of the Attorney General

    Phone: (405) 521-3921

    Website: https://www.oag.ok.gov

    12.5 Nevada Residents

    Nevada residents may be placed on Mesa Group Consulting's internal do-not-call list by contacting us at compliance@mesagroupconsulting.com or 661-310-3040. Nevada law requires we provide the following contact information:

    Bureau of Consumer Protection, Office of the Nevada Attorney General

    555 E. Washington St., Suite 3900, Las Vegas, NV 89101

    Phone: (702) 486-3132

    Email: aginfo@ag.nv.gov

    12.6 Other States

    Residents of other states may have similar rights under their state telemarketing laws. To exercise any state-law telemarketing right, contact compliance@mesagroupconsulting.com.

    13
    CONTACT INFORMATION

    If you have questions about this TCPA Consent Policy or wish to opt out of communications, contact us:

    MESA & CO CONSULTING LLC DBA MESA GROUP CONSULTING

    Mailing Address

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Compliance Department

    For all TCPA-related questions, opt-out requests, or complaints:

    The Compliance Department serves as our point of contact for all TCPA and telemarketing matters.

    Hours of Operation:

    • Monday – Friday: 9:30 AM – 6:30 PM Pacific Time
    • Saturday: 10:30 AM – 2:30 PM Pacific Time
    • Sunday: Closed

    14
    CHANGES TO THIS TCPA CONSENT POLICY

    Mesa Group Consulting reserves the right to update this TCPA Consent Policy at any time. When we make changes, we will:

    • Update the "Last Updated" date at the top of this policy
    • Post the revised policy on our website
    • Notify you via email if changes materially affect your rights or our communications practices

    Your continued use of our services and receipt of communications after changes become effective constitutes acceptance of the revised policy.

    15
    ACKNOWLEDGMENT

    By providing your phone number and consenting to receive communications from Mesa Group Consulting, you acknowledge that you have read, understood, and agree to this TCPA Consent Policy.

    © 2026 Mesa Group Consulting. All Rights Reserved.