Forbidden message categories for toll-free SMS and MMS in Canada and US

The following messaging use cases are not allowed on toll-free SMS or MMS in Canada and US.

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Written by Kanasu Nagathihalli
Created 2021-04-15

If a user tires to assign an outbound message with this category, the message will automatically be rejected by SIPSTACK. If a user tries to specify a different category to send a message that falls within any of the following forbidden categories, SIPSTACK will employ smart AI to detect and automatically suspend accounts that are breaking the rules.

Category Examples Notes
High-risk financial services Payday loans, Short term high-interest loans, Third-party auto loans, Third-party mortgage loans, Student loans "Third-party" means originating from any party other than the one which will service the loan.
Debt collection or forgiveness Third-party debt collection, Debt consolidation, Debt reduction, Credit repair programs "Third-party" means originating from any party other than the one who is owed the debt. For example, a hospital could send messages regarding bills for its own patients, assuming they provided opt-in to receive that messaging.
"Get rich quick" schemes Work-from-home programs, Risk investment opportunities, Pyramid schemes This is different from outreach about employment as a result of compliant opt-in practices, messages from brokerages to their members, investment news alerts, or other investment-related messages.
Illegal substances Cannabis, CBD, Prescription drugs Cannabis is illegal in Canada and US. Cannabis businesses will not be permitted to use SMS/MMS messaging in Canada or US, regardless of message content.
Gambling Casino apps, Gambling websites
"S.H.A.F.T." use cases Sex, Hate, Alcohol, Firearms, Tobacco
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