PRIVACY POLICY

Revised November 7, 2014

Your privacy is important to us. At Central Florida Investments, Inc. (CFI), we are committed to protecting your
privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid
unwanted solicitations. Please read this to learn how we will handle your personal information. At the end of
this document, you will find a list of CFI affiliations and related companies which compose the "CFI Family." This
policy applies to each of the CFI Family members and may be amended from time to time consistent with applicable
privacy laws. As discussed herein, affiliates are companies related by common ownership or control. Nonaffiliates
are not related by common ownership or control. This Privacy Policy will become effective December 20, 2014.
Type of Information We Collect and Disclose
We collect information about people and property as described below. Some of this is called "Nonpublic Personal
Information," which generally means information that is provided by you, obtained by us, or that results from your transactions
with us. It does not include information available to the general public. We collect this information from the following sources
(examples under each source are not necessarily a complete list):
Application Information: This is information we receive from you on applications and/or other forms, by phone,
and online. It includes your name, address, telephone number, driver's license number, social security number, date
of birth, length of employment, gender, marital status, home ownership, length of residency, or credit card
information. Application Information may be disclosed as described below.
Transaction Information: This is information about your transactions with us, our affiliates, or others. It includes
your payment history, information necessary for billing and payment, and purchase information. It may also include
additional information used to investigate your creditworthiness or prior loan history. Transaction Information
may be disclosed as described below.
Consumer Report Information: This is information we receive from a consumer reporting agency, and is used to
confirm or supplement Application Information. It includes credit report information, prior loan history, and
mortgage payment history. We will disclose Consumer Report Information only as necessary to conduct our
business and as permitted or required by law. Consumer Report Information may be disclosed as described
below. By requesting a loan, you consent to our sharing of this information.
Web Site Information: This is information we receive from your computer when you visit our Web site; including
the Web site you visited before ours, your Internet e-mail address and operating system, and statistical information
on Web traffic and usage patterns. We also store "cookies" on your computer to save information entered during
your prior visits to our Web site. We collect technical data, such as your Internet protocol (IP) address, operating
system, and session ID. Web Site Information may be disclosed as described below and as specifically set forth on
our website: http://westgateresorts.com/privacy-policy.
Parties to Whom We Disclose Information
Nonpublic Personal Information about you and our former customers may be disclosed to others as permitted by law.
Generally, this includes disclosures to third parties that are necessary to effect, administer or enforce your transaction with us, or
in connection with servicing our ongoing customer relations. These parties may include our group of affiliated companies, or
their employees, agents or representatives, courts and governmental agencies, outside lending or financial institutions, billing
service providers, mail and telephone service companies, insurers, loan settlement service providers, property inspection
companies, attorneys or other professionals, and third parties. Westgate reserves the right to disclose or sell your personal
information about you to the following types of nonaffiliated third parties:
Nonaffiliated financial service providers, such as banks, financing companies, credit card companies, and other
insurance companies
Non-financial companies such as clubs, associations of which you may be a member, product related service
companies, insurance companies, third party and unrelated marketing companies, and other companies seeking to
independently market their products and services which may have an interest in your Nonpublic Personal
Information.
We may also disclose Application Information, Transaction Information, Consumer Report Information, and Web Site
information about you and our former customers to companies that perform marketing services on our behalf or to financial
institutions with whom we have joint marketing agreements. We are required to, or we may, provide information about you to
third parties other than CFI, Westgate Resorts or their related and affiliated entities without your consent, as permitted by law.
For example:
1.
2.
3.
4.
5.

To respond to a subpoena or court order, judicial process or regulatory authorities;

To consumer reporting agencies;
In connection with a proposed or actual sale, merger, or transfer of all or a portion of a business or operating unit;
To protect against fraud, and insure confidentiality and security;
To assist or be part of a proposed or actual securitization, secondary marketing sale (including sales of loan servicing
rights), a loan hypothecation, or similar transaction related to a transaction of the consumer; or
6. To collection agencies, attorneys, and other entities that assist us in enforcing and collecting the debt.

Confidentiality & Security

We restrict access to Nonpublic Personal Information about you to those employees and other parties who must use that
information to provide products or services to you. Their right to further disclose and use the information is limited by our
employee code of conduct, applicable law, and nondisclosure agreements where appropriate. We also maintain physical,
electronic, and procedural safeguards in compliance with applicable laws and regulations to guard your Nonpublic Personal
Information.
Opt Out Rights (to limit our sharing)
If you do not want your Nonpublic Personal Information disclosed to affiliated or nonaffiliated third parties, you may
"opt out" of those disclosures, meaning that you may tell us not to make those disclosures (other than disclosures that are
permitted by law even if you opt out). If you opt out, we will not disclose this information to such third parties to
independently market products or services to you, but we may include their offers in billing statements and other routine
communications that we send to you in connection with servicing your business relationship with us.
Please note: If you are a new customer, we can begin sharing your information 30 days from the date that we send this notice.
When you are no longer a customer, we continue to share your information as described in this notice. However you can contact
us at any time to limit our sharing.
To opt out, simply fill out, detach and mail the form at the bottom of this page to the address listed. An opt out election by you or
others who maintain a relationship with our Company will be effective for all persons that your relationship relates to. Once you
opt out, there is no need to do so again for the same business relationship. Questions? You may also want to visit our website at
www.westgateowners.com or give us a call at 1-800-925-9999 if you need additional information.
Information For Vermont, California and Nevada Customers: In response to a Vermont regulation, we automatically treat
accounts with Vermont billing addresses as if you requested that CFI not share your information with nonaffiliated third parties,
and that we limit the information we share with CFI affiliates. And if we disclose information about you to nonaffiliated third
parties with whom we have joint marketing agreements, we will only disclose your name, address, other contact information, and
information about our transaction and experiences with you. In response to a California law, we will automatically treat accounts
with California billing addresses as if you requested that CFI not share your information with nonaffiliated third parties except as
permitted by the applicable California law. We will also limit the sharing of information about you with our affiliates to comply
with all California privacy laws that apply to us. Residents of the State of California may request a list of all third-parties to which
we have disclosed certain information during the preceding year for those third-parties' direct marketing purposes. If you are a
California resident and want such a list, please contact us at Westgate Resorts, Privacy Policy, 2801 Old Winter Garden Road,
Ocoee, FL 34761-2965. For all requests, you must put the statement "California Shine the Light Privacy Request" in the body of
your request, as well as your name, street address, city, state, and zip code. Please note that we are not responsible for requests
that are not labeled or sent properly, or that do not have complete information. In response to Nevada law, we are providing you
this notice. You may be placed on our internal Do Not Call List by following the directions set forth above. Nevada law requires
that we also provide you with 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 number: 702-486-3132; e-mail:
BCPINFO@ag.state.nv.us. To further restrict sharing with affiliates as described in this notice, you can fill in and return the form
below.
CFI FAMILY
1.
2.
3.
4.
5.
6.
7.
8.

Westgate Daytona, LLC

8.
Westgate Lakes, LLC
Westgate Miami Beach, Ltd.
Westgate Resorts, Ltd.
Westgate Towers, LLC
Westgate Vacation Villas, LLC
Texas Avenue Development, Ltd.
Westgate Blue Tree Orlando, Ltd.

9.
10.
11.
12.
13.
14.
15.
16.

Central Florida Investments, Inc.

Westgate South Beach, LLC
Westgate Flamingo Bay, LLC
Westgate Palace, LLC
Westgate RVS Orlando, LLC
Westgate GV at Rock Lane, LLC
Westgate GV at the Woods, LLC
Westgate GV at Emerald Pointe, LLC

17.
18.
19.
20.
21.
22.
23.
24.

Westgate GV at Tunica, LLC

Westgate GV at Painted Mountain, LLC
Westgate Myrtle Beach, LLC
Westgate Resorts, Inc.
Westgate Resorts Anaheim, LLC
Westgate Marketing, LLC
Blue Tree LBV, LLC
Westgate Las Vegas Resort, LLC

(detach here)
Customer Opt Out Form
Mark any/all you want to limit:

Do not share information about me with your affiliates for their everyday business purposes

Do not allow your affiliates to use my personal information to market me.

Do not share my personal information with nonaffiliates to market their products and services to me.
Name: ______________________________________________________________________
Address: ____________________________________________________________________
WG Account #: _______________________________________________________________

Mail to:
Westgate Resorts
Privacy Policy
2801 Old Winter Garden Road
Ocoee, FL 34761-2965