Privacy Policy

Welcome, and thank you for your interest in working with Timeshare Help Center("Site"). The Site and all intellectual property associated withTimeshare Help Center are the sole and exclusive property of Republic Financial Services, LLC ("Republic Financial," "we," "us,"or "our").This PrivacyPolicy applies to this Site and any other site and mobile apps owned andoperated by Republic Financial Services, LLC and its wholly owned affiliates(collectively "Republic Financial," "we," "our,"or "us").This Policyexplains how we and our affiliates collect, protect, use, share, and retainyour personal information when you visit our
Site. Please read this Policy before using our Site. Your continued navigationconstitutes your agreement to its terms.Changes to thisPrivacy PolicyRepublicFinancial reserves the right to update this Privacy Policy at any time. When wemake changes, we will revise the date at the top of this page. Changes will beeffective when posted unless otherwise indicated. Please check this pageperiodically to stay informed about how we help provide the information wecollect.PersonalInformation We CollectFor the purposesof this Privacy Policy, "personal information" shall meanindividually identifiable information from or about an individual. Our datacapture practices comply with relevant laws and regulations, such as theTelephone Consumer Protection Act (TCPA) in the United States, which governshow and when text messages can be sent to consumers. We collect personalinformation from you when you visit, interact, register on our Website andapps, respond to an advertisement on third-party websites, or call us. All usecases will transparently and explicitly ask for your consent before collectingpersonal information.Below are thefollowing lead data capture practices utilized by Republic Financial: Theinformation you provide includes your email address, full name, telephonenumber, date of birth, address, employment, salary, etc.Mobileinformation: Mobile information will not be shared with thirdparties/affiliates for marketing/promotional purposes. All the above categoriesexclude text messaging originator opt-in data and consent; this informationwill not be shared with any third parties. Third-partyinformation: Credit reporting data (e.g., accounts, pay history, orbalances) or lead generation data.Participation incontests or surveys: We collect personal information such as name,address, email address, and phone number when you opt-in to participate incontests or fill out surveys sponsored by us or our affiliates.Information fromcookies or other tracking technologies: Cookies are small pieces of datacreated by a web server while a user is browsing a website. This data is storedon your hard drive and contains non-personally identifiable information about you.This data functions as your computer's identification and enables us to improveyour experience by maintaining your authenticated session and preferences. Weand our third-party vendors use "cookies” and similar tools to track youruse of the Website when you use our services. However, your data is neversold. Our systems automatically log information about your computer,tablet, or phone. You have complete control over setting your web browser tonotify you when you receive a cookie or refuse cookies. If you do so, someparts of the Site may function differently than intended. We reserve the rightto transfer aggregate or group data about Users of the Site Offerings forlawful purposes. Aggregate or group data describes Site Offerings Users' demographics,usage, and other characteristics as a group without disclosing personallyidentifiable information.Internet, Device,or Other Activity: We may collect certain non-personally identifiableinformation about you and your desktop computer, tablet, or mobile device whenyou visit the Site. This non-personally identifiable information includes,without limitation, the type of browser you use, your IP address, the type ofoperating system you use, and the domain name of your internet serviceprovider. Moreover, no mobile information will be shared with thirdparties/affiliates for marketing/promotional purposes. All the above categoriesexclude text messaging originator opt-in data and consent. We use thenon-personally identifiable information we collect to improve the site's designand content and enable us to personalize your experience. We also may use thisinformation in the aggregate to analyze the Site's usage.Referring ExitPages/Advertising: Republic Financial, as well as third-party entitiessuch as Google®, use cookies, pixels, and other tracking technology(collectively, "tracking technology") in connection with the Site forpurposes of tracking Users' activities (such as websites visited,advertisements selected, and pages viewed) after they leave the Site.RepublicFinancial and its third-party partners use this tracking technology to targetapplicable Users with advertisements featuring products/services we offer andthird-party products/services that may be of interest to applicable Users. Inaddition, Republic Financial uses a third-party service called Hotjar tounderstand our Users' needs better and optimize our offerings. Hotjar is atechnology service that helps us better understand our Users' Site-relatedexperience (e.g., how much time they spend on which Site pages, which linksthey click on, what Users do and do not like, etc.), and this enables us tobuild and maintain our offerings. Hotjar uses cookies and other technology tocollect data on our Users' behavior and their devices (in particular, thevarious devices' I.P. addresses (captured and stored only in anonymized form),device screen size, device type, browser information, geographic location(country only) and preferred language used to display our Website). Hotjarstores this information in a pseudonymized User profile. Neither Hotjar norRepublic Financial will use this information to identify individual Users ormatch this information with additional data on an individual User. Users cangenerally opt out of some or all of this tracking activity by utilizing the"Do Not Track" setting or similar options on most major internetbrowsers.Users can opt outof specific Google®-related tracking technology and customize the Google®Display Network ads they receive by visiting the My Ad Center at . Google®also recommends installing the Google® Analytics Opt-out Browser Add-on foryour web browser, which is available here: . To the extent permissibleunder applicable law, we are not responsible for the tracking practices ofthird parties in connection with the
Site.Google® is aregistered trademark of Google, Inc. ("Google"). Please be advisedthat Republic Financial is not affiliated with Google®, nor are the SiteOfferings endorsed, administered, or sponsored by Google®.Use of YourPersonal Information we gather from you, or third parties is used to:Inform you aboutproducts or services we think you will be interested inFacilitate theuse of our SiteImprove our Site,product offerings or services, or the services of our service providersConsider you forthe products/services we offer Verify your eligibility, identityContact youregarding your inquiry, account, or employment opportunities once you haveOpted in.Process paymentson your behalfCreate andmaintain login information for our SiteMonitor, conduct,and improve analytics on our products, services, and offeringsInternaladministrative, security, and relationship managementSend pushnotificationsDetect andprotect against security incidents, malicious, deceptive, fraudulent or illegalactivityMoreover, we donot intend to sell your personal information.Sharing YourPersonal InformationRepublicFinancial may share your personal information with its affiliates andnon-affiliated third parties as provided below. However, SMS Opt-in data andconsent will not be shared between Republic Financial affiliates ornon-affiliated third parties. Furthermore, data and consent will never besold.RepublicFinancial shares your personal information with its affiliates to consider youor market their products and services to you.RepublicFinancial may provide your information to non-affiliated third-party serviceproviders who perform certain functions on our behalf. When we share yourinformation with service providers, we require the security and confidentialityof your information and limit their use of the information to reasonably carryout their work with us, including to comply with applicable state and federallaws.RepublicFinancial may share your personal information with the following non-affiliatedthird parties:Financialservices companies for marketing purposes as permitted by law. As noted above,however, SMS opt-in data and consent will not be shared nor sold. Auditors,examiners, law enforcement Credit reporting agencies Protecting your PersonalInformationRepublicFinancial takes the privacy and security of our visitors and members' personalinformation seriously. We maintain industry-standard technical and physicalsafeguards designed to safeguard your information. When you make personalinformation available to us, we protect it while transmitting it from yourbrowser to our servers and store it on our systems through encryption standardswith advanced TLS (Transport Layer Security). Facilities where our systems arelocated can only be accessed by authorized individuals.Please beadvised, however, that while we take every reasonable precaution to protectyour data, no storage facility, technology, software, security protocols, ordata transmission over the Internet or wireless networks can be guaranteed tobe 100% secure. As such, we cannot warrant that your personal information willbe safe.You can also takeprecautions to keep your information safe. The following are some methods thatcan help:Be cautious whenusing public networks or computersLog out ofaccounts and clear caches completely after useChoose complexpasswordsDon't use thingsrelated to birthday, address, phone, or any PINUse differentpasswords for each Website.Third-PartyWebsitesThis Site maycontain links to third-party owned and/or operated websites, including, withoutlimitation, websites owned and/or operated by Republic Financial Service’sproviders and/or marketing partners. We are not responsible for the privacypractices or the content of those websites/companies. These third-partywebsites and entities have separate privacy and data collection practices, andRepublic Financial has no responsibility or liability. No mobile informationwill be shared nor sold with third parties/affiliates for marketing/promotionalpurposes. All the above categories exclude text messaging originator opt-indata and consent; this information will not be shared nor sold with any thirdparties.MinorsRepublicFinancial Service’s Site is not directed or intended for individuals under theage of 18 and does not knowingly solicit or collect information from visitorsunder 18. Visitors under 18 should not provide any personal identifiableinformation of any kind on our Site. If we learn or are notified that we havecollected any information on someone under 18, we will promptly remove the datafrom our system.Visiting ourWebsite from Outside the United StatesThe Site isintended to provide products and services inside the U.S. and is governed bythe laws of the U.S. If you are visiting the Site from outside the
U.S., your communication with us may result in your being transferred to leaveyour country. By visiting the Site and otherwise communicating electronicallywith us, you consent to such transfers, even if your jurisdiction does not havethe same privacy laws as the jurisdiction of the United States, where ourservers are located. We will treat your information as subject to theprotections of U.S. Law, this Policy, and our Consumer Privacy Notice.Changing orUpdating your InformationRepublicFinancial relies on you to update and correct your personal information. If youfind that our information about you is incorrect or incomplete and our
Site does not permit you to update or correct certain information, contactRepublic Financial immediately:Phone:888-691-9156Email: Opt-Out/Unsubscribe:You can cancel the SMS service you receive from Republic Financial anytime.Text "STOP, QUIT, END, REVOKE, OPT OUT, CANCEL, or UNSUBSCRIBE to theassociated SMS number. Upon sending one of the aforementioned, we will confirmyour unsubscribe status via SMS. Following this confirmation, you will nolonger receive SMS messages from Republic Financial. If you decide toresubscribe to our SMS campaigns after you have provided consent, we willresume sending SMS messages to you.Morespecifically, if you experience issues with Republic Financial Service’smessaging program, reply with the keyword "HELP" for more assistance,or contact  directly.Carriers are notliable for delayed or undelivered messages.As always,message and data rates may apply for messages sent to you and us from you. Youwill receive up to 3 messages a day. Contact your wireless provider forquestions about your text or data plan.You may opt outof promotional or information-sharing practices in the following ways:Use CaseDescription:Introduction: AtRepublic Financial Services, safeguarding your privacy is our utmost priority.This Privacy Policy outlines how we collect, use, and protect your data.Data Collection:Please see above.PersonalInformation: Please see above.Address: Yourresidential and mailing addresses are gathered for contact and correspondencePhone Number: Weretain your primary and secondary phone numbers for communication purposesEmail Address:Your email address is essential for sending account-related notifications andupdates.Social SecurityNumber (SSN): If required by law, we may collect your SSN for identityverification and tax reportingDate of Birth:Your date of birth assists us in verifying your identity and ensuringcompliance with age-related legal  AccountInformation includes bank account numbers, credit card information, and otherfinancial details needed to facilitate : We collect yourfull name as it appears on official identification documents. Consent:Information will only be captured once explicit consent has been made, eitherby prior consent to an email/SMS campaign or by voluntarily agreeing to theterms of use and Privacy Policy by clicking a check box on our Site.FinancialTransactions: We collect, and store records of all financial transactionsconducted through our services, including: deposits, withdrawals, investmenttrading activity, and/or loan and credit history.Online Activity:To enhance your online experience, we may collect information about yourinteractions with our Website and mobile applications, including:I.P. addressesBrowser type andversionPages visitedCookies andsimilar tracking technologiesCommunicationData: Any information you provide during interactions with our customersupport, including:Emails ChattranscriptsPhone callrecordings (when legally permissible)Location Information:If you use location-based services, we may collect your precise geolocationdata to provide location-specific offerings and comply with regulatoryrequirements.Purpose of DataCollection: We collect and process your personal information for a multitude ofpurposes:ServiceProvision: Your data is used to deliver and improve our financialservices, enabling you to manage your finances effectively. Compliance: Wecollect and process your information to meet various legal and regulatoryobligations, including anti-money laundering (AML), Know Your Customer (KYC),and tax reporting.CustomerSupport: We may analyze your communication history to assist youefficiently and effectively with inquiries, requests, and issue With yourconsent, we may use your information to inform you about our products,promotions, and relevant financial information. You can opt out of marketingcommunications at any time.Research andAnalytics: We utilize data analytics to enhance our services, userexperience, and business operations, ensuring we provide you with the bestfinancial solutions.DataProtection: Safeguarding your data is paramount to us. We employ rigoroussecurity measures to protect your personal information from unauthorizedaccess, disclosure, or alteration.Our securityprotocols include:Secure dataencryption in transit and at restAccess controlsand authentication mechanismsRegular securityaudits and assessments Compliance with industry best practices and standardsYour personalinformation is stored securely, and we continually update and enhance oursecurity practices to meet emerging threats and we continually update andenhance our security practices to meet emerging threats and maintain theconfidentiality and integrity of your data.DataRetention: We retain your personal information only for as long asnecessary to fulfill the purposes outlined in this Privacy Policy and to complywith legal and regulatory requirements. Upon reaching the end of the retentionperiod, your data is securely disposed of or anonymized.YourRights: You have rights regarding your personal information, including:Accessing andobtaining a copy of your dataCorrectinginaccuracies in your dataDeleting yourdata under certain circumstancesRestricting orobjecting to the processing of your dataData portabilityLodgingcomplaints with the appropriate regulatory authoritiesFor moreinformation on how to exercise your rights and how we handle your data, pleasevisit our  and .Contact Us:If you have anyquestions, concerns, or requests about your data privacy, please do nothesitate to contact our Data Protection Officer at .By replying with “AGREE,” you acknowledge receipt and understanding of ourdetailed Privacy Policy.Republic Financial Services is a financial institution committed tomaintaining the highest standards of compliance with legal and regulatoryrequirements. They utilize 10 DLC messaging a s a secure and efficient channelto communicate important updates, including Privacy Policy, Terms &Conditions, and other compliance-related information to their customers.Message FlowMessage 1:Introduction to Privacy Policy and Terms & ConditionsMessage 2: DataCollection and UsageMessage 3: DataSecurity MeasuresMessage 4:Consent and AcknowledgmentUser Opt-In:Customer: Sarah,a Republic Financial Services customer, opts in for 10 DLC messaging to receiveimportant compliance-related updates by texting "COMPLY" to thecompany's dedicated 10 DLC number.UserVerification:RepublicFinancial Services: To verify Sarah's identity and ensure data security, thecompany sends her a one-time passcode (OTP) to her registered phone number.Sarah: She entersthe OTP received to confirm her identity.Privacy Policyand Terms & Conditions Delivery:RepublicFinancial Services: Once verified, Republic Financial Services sends Sarahtheir updated Privacy Policy and Terms & Conditions through 10 DLCmessaging. The documents are delivered clearly and organized to ensurecomprehension.Acknowledgmentand Consent:Sarah: Afterreading each section thoroughly, Sarah replies with "AGREE" toconfirm her acknowledgment and understanding of that specific part.ComplianceRecords: RepublicFinancial Services: The company securely records Sarah's acknowledgments andtimestamps the consent for each section of the Privacy Policy and Terms &Conditions. These records are encrypted and stored in compliance with dataprotection regulations.Future ComplianceUpdates:RepublicFinancial Services: As per regulatory requirements, Republic Financial Servicesuses 10-DLC messaging to notify Sarah of any future updates or changes to thePrivacy Policy and Terms & Conditions. The same opt-in, verification, andacknowledgment process is followed for each update.Benefits:ComprehensiveCompliance:
Republic Financial Services ensures full compliance with all legal andregulatory data protection and customer communication requirements. Transparentand Secure Communication:
10-DLC messaging provides a secure and traceable means of communication,reducing the risk of data breaches or mishandling. Customer Trust andUnderstanding:
Republic Financial Services fosters trust by involving customers in theacknowledgment process. This ensures that customers are fully aware of their datarights and the company's practices.Conclusion: Republic Financial Services' 10-DLC messaging to communicatecompliance-related information exemplifies the company's commitment totransparency, data protection, and customer trust. This approach ensuresregulatory compliance and strengthens the relationship between the company andits customers by keeping them informed and involved in the compliance process.Promotionalemails: To opt out ofreceiving emails from Republic Financial Services, you can: a) click on"unsubscribe"
in the footer of any email message, b) email us at , or c) call us at888-691-9156.InformationSharing:To opt out ofinformation sharing, you can a) email us at  or b) call us at888-691-9156.Text message/PushNotifications:To opt out oftext/push notifications sent from Republic Financial Services (i.e., DBATimeshare Help Center), you can reply "STOP" to the notification orcall/email us as noted above.Notice toCalifornia Residents: This section applies solely to California residents andsupplements and in no way limits the Privacy Policy set forth above.These Provisionsare intended to comply with the California Consumer Privacy Act of 2018("CCPA"). Any terms defined in the CCPA have the same meaning whenused in these Provisions. This notice explains how/what personal information wecollect, use, and share of the personal information collected and the rightsand choices of California Residents concerning our handling of their personalinformation.This notice doesnot include personal information about:Publiclyavailable information from government records. De-identified or aggregatedUser  or medical information is covered by the Health InsurancePortability and Accountability Act of 1996 (HIPAA), the CaliforniaConfidentiality of Medical Information Act (CMIA), and clinical trial data.Personal information is covered by specific sector-specific privacy laws,including the Fair Credit Reporting Act (FRCA), the Gramm-Leach-Bliley Act(GLBA), the California Financial Information Privacy Act (FIPA), and theDriver's Privacy Protection Act of 1994.Notice ofCollection of Personal InformationThe personalinformation we collect depends on California residents' interactions with us.Following are the types of interaction and the information we may collect:Types ofinteraction:Website andMobile App Use and Registration Applying for Products or Services Participationin Surveys and Contests Communicating with Us Use of PersonalInformationInformationcollected is used to personalize your experience on our Site, improve yourexperience with our Site, products, and services, advertise to you, recognizeyou on subsequent visits, verify your identity, evaluate you for certainproducts/services, build a better member experience, improve memberrelationship protocols, fulfill contract obligations with you, to respond toinquire from you, testing, research, analysis, product development, respond tolaw enforcement, court orders or governmental examiners and to train andeducate employees for compliance purposes.We may alsosupplement the information you provide or that we gather from your interactionwith our Site by using third-party sources, such as credit bureau informationand address/phone information, to verify your identity and protect you againstfraud or identity theft.CaliforniaResident's Rights and ChoicesThe CCPA providesCalifornia residents with specific rights regarding their personal information.Following arethose rights and how to exercise them:Right to KnowAccess:You can requestfree of charge the following information covering the prior 12- months of yourrequest:The categories ofpersonal information we collected about youThe categories ofsources for the personal information we collected about youOur businesspurpose for collecting or selling that personal informationThe categories ofthird parties with whom we have shared that personal informationThe specificpieces of personal information we collected about you (also called a dataportability request)The categories ofinformation that we sold in the prior 12 months, and for each category, thecategories of third parties to which we sold that particular category ofpersonal informationThe categories ofinformation that we disclosed for a business purpose in the prior 12 monthsand, for each category, the categories of third parties to which we disclosedthat particular category of personal informationRight to Opt-Outof the Sale of Your Personal InformationThe CCPA givesits residents the right to opt out of selling their personal information tothird parties.Right to RequestDeletionYou have theright to request that we delete the personal information we collected from youand retain it, subject to certain exceptions. Once we receive your request andconfirm your identity, we will review your request to delete your personalinformation from our (their) records unless a CCPA exception applies.We may deny yourdeletion request if retaining the information is necessary for us or ourservice providers to:Complete thetransaction for which we collected the personal information, provide a good orservice that you requested, take actions reasonably anticipated within thecontext of our ongoing business relationship with you, or otherwise perform ourobligations in connection with our contract with you.Please be advisedthat deleting your personal information may terminate your access to certainSite Offerings. If you wish to continue using the full complement of SiteOfferings, we may only be able to delete some of the personal information thatwe have on file for you.Further, after wedelete your personal information, residual copies may take a period of timebefore they are deleted from our active servers and may remain in our backupsystems.How to ExerciseYour RightsIf you wish toexercise any of your CCPA rights noted above or have any questions or commentsabout this privacy policy, how we collect and use your personal information, oryour choices and rights regarding such use, please get in touch with us byeither:Calling us at888-918-9156Emailing usat We will respondto your request within the provisions allowed by CCPA, in no event later than45 days of receipt, unless we notify you of any delay otherwise.SubmittingRequests for Someone ElseCaliforniaresidents can utilize an "Authorized Agent" to make requests on theirbehalf. We will require that the Authorized Agent provide us with a validwritten authorization confirming said authority that you and the AuthorizedAgent execute.IdentityVerificationWhen you make anyCCPA request, we must verify your identity before responding to the request. Wewill ask you to verify your identity when you submit a request, including anyAuthorized Agent's identity.Right toNon-Discrimination We will notdiscriminate against you for exercising any of your CCPA rights, including butnot limited to:Deny Goods orServicesWe charge youdifferent prices or rates for goods or services by granting discounts or otherbenefits or imposing penalties. Provide you with a different level or qualityof goods or services. Suggest receiving a different price or rate for goods orservices or a different level or quality.