PRIVACY POLICY OF WESLEY GROUP

Chuck McDowell Enterprises, LLC d/b/a Wesley Group and its subsidiaries: Wesley Financial Group, LLC, Wesley Mutual, LLC, Wesley Lending, LLC, and Wesley Credit Repair, LLC. and/or affiliates, successors, or assigns [hereinafter “WG”]”) assists timeshare owners in terminating their timeshare relationship, provides insurance products from insurance companies across the country to consumers, provides mortgage and financial services, and provides credit repair services for the purpose of the removal of errors, misrepresentations, or unverifiable information that a client claims to have appeared on their credit report. Respect for the privacy of personal information is very important to WG. 

WG is committed to collecting, maintaining, and securing personal information about you in compliance with State and Federal law. This policy applies to personal information collected by WG via its website, email, chat, or other online tools. This policy does not apply to any website links operated by third parties with whom WG has no affiliation or control.

What is “personal information”?
Personal information is information that identifies, relates to, describes, is reasonably capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household. Personal information does not include content a customer or other person uploads to any WG blog or forum for viewing by the public, such as customer testimonials or online discussions. Personal information does not include publicly available information or aggregate consumer information from which individual identities have been removed.

How does WG collect personal information online?
WG collects personal information through its online services including its contact forms on WG’s website, through forms that appear when a customer clicks on a WG advertising banner on a third-party website, by chat, and by email. At this time, there are three primary types of information that WG collects through online services:

  1. Information from you:WG collects personal information and other data that you voluntarily enter in to forms or data fields on online services. This includes identity and contact information such as your name, address, email address, telephone number, and other related information that WG deems appropriate to further the purposes of its online services. 

We may also collect, use, and share aggregated data such as statistical or demographic data for any purpose. Aggregated data could be derived from your personal data but is not considered personal information as this data will not directly or indirectly reveal your identity. For example, we may aggregate your usage data to calculate the percentage of users accessing a specific website feature. If we combine or connect aggregated data with your personal data so it can directly or indirectly identify you, we treat the combined data as personal data used under this privacy policy.

We collect no special categories of personal data about you. This includes your race or ethnicity, religious beliefs, sexual orientation, or information about your health. We collect no information about criminal convictions and offenses.

  1. Information from others: WG may collect personal information from public or third-party information sources. For example, if users use a credit card on our website, WG or its agent verifies the validity of the credit card information with financial or credit organizations. Sometimes, we may augment our existing user databases with information from third parties. Some of this information may be personal information, such as change of postal address information.
  2. Information collected from your computer or electronic device: We may collect information about your computer or other electronic device when you use our online services. This information may include your IP address, domain name, browser type, and date and time of your request. If you use a mobile device to access our online services, we also may collect information about your device, such as your device ID and device type, and usage information about your device and your use of our online services.

We use “cookies” on this site. A cookie is a piece of data stored on a site visitor’s hard drive to help us improve access to our site, track usage of our site, and identify repeat visitors to our site. Cookies can also enable us to track and target the interests of our users to enhance the experience on our site. Usage of a cookie is not linked to any personally identifiable information on our site. You may control or reset your cookies through your web browser. However, some features of our site may not function properly if cookies are disabled.

Why does WG collect, use, and disclose personal information?

WG collects personal information online as necessary to enable individuals to contact WG, learn about WG and learn more about the timeshare cancellation industry, mortgage industry, insurance industry, credit repair industry, and view testimonials and/or calculate financial information. WG uses personal information to provide products, services, or features that individuals have requested, or to communicate with individuals. WG may share personal information with third parties who provide services to us in our normal course of business including payment processors, customer service, timeshare services, insurance services, credit repair or debt relief services, and statistical analysis. However, WG will not sell, rent, or otherwise distribute your personal information to third parties for purposes not related to our services or otherwise permitted by this policy.

A general description of the collection and basis for use of your information is summarized below:

 

Purpose/Activity Type of data Lawful basis for processing including basis of legitimate intertest
To register you as a new customer (a) Identity

(b) Contact information

Performance of a contract with you
To process and deliver payments for services including:

(a) Manage payments, fees and charges

(b) Collect and recover money owed to us

(a) Identity

(b) Contact information

(c) Financial information

(d) Transaction needs

(e) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary for our legitimate interests 

To manage our relationship with you which includes:

(a) Notifying you about changes to our terms or privacy policy

(b) Asking you to leave a review or take a survey

(a) Identity

(b) Contact

(c) Profile

(d) Marketing and Communications

(a) Performance of a contract with you

(b) Necessary to comply with a legal obligation

(c) Necessary for our legitimate interests (to keep our records updated and to study how customers use our products or services)

To administer and protect our business and this website (including troubleshooting, data analysis, testing, system maintenance, support, reporting and hosting of data) (a) Identity

(b) Contact

(c) Technical

(a) Necessary for our legitimate interests (for running our business, providing administration and IT services, network security, to prevent fraud, and for business reorganization or restructuring)

(b) Necessary to comply with a legal obligation

To deliver website content and advertisements to you and measure or understand the effectiveness of the advertising we serve to you (a) Identity

(b) Contact

(c) Profile

(d) Usage

(e) Marketing and Communications

(f) Technical

Necessary for our legitimate interests (to study how customers use our products or services, to develop them, to grow our business, and to improve our marketing strategy)
To use data analytics to improve our website, products or services, marketing, customer relationships and experiences (a) Technical

(b) Usage

Necessary for our legitimate interests (to define types of customers for our products and services, to keep our website updated and relevant, to develop our business and to inform our marketing strategy)
To make suggestions and recommendations to you about goods or services that may interest you (a) Identity

(b) Contact

(c) Technical

(d) Usage

(e) Profile

(f) Marketing and Communications

Necessary for our legitimate interests (to develop our products or services and grow our business)

 

Do I have choices about how WG collects, uses, and discloses personal information about me?

If you do not want WG to collect personal information from you, use no WG online services and do not submit personal information to WG.


Who will have access to personal information about me?
Personal information about you will be accessible to WG, including its parent companies, subsidiaries, successors, affiliates, or assigns, and to others that use personal information solely for and at the direction of WG. Generally, unless otherwise permitted by this policy, WG deletes personal information if you terminate your relationship with WG and WG has no legitimate interest or legal obligation to retain the personal information.


Sharing personal information

WG does not sell or share personal information about you except as described in this policy. However, WG may reorganize or divest its business through sale, merger, or acquisition, or through bankruptcy. If so, personal information is an asset of WG and may be shared with actual or prospective purchasers, or others deemed necessary to receive the personal information for a purpose stated in this section. WG will use its best efforts to obtain written assurances that personal information will be protected if disclosed under this section. WG reserves the right to retain and disclose personal information about you for reporting to government authorities or in legal proceedings as authorized or required by law. Except as provided in this policy, personal information about you will not otherwise be shared without your permission.

Securing personal information
WG will take reasonable steps to protect personal information as it is collected and transmitted between your device and our online services and servers, and to protect personal information in its possession from unauthorized access, disclosure, alteration, or destruction. 

May I correct personal information about me?
To access personal information about you collected online, to keep it accurate, or to request deletion, you may contact us at the address below. Sometimes, we may not be able to delete certain personal information about you. Where permitted by law, your ability to access and correct personal information will be limited where access and correction would inhibit WG’s ability to comply with a legal or ethical obligation; inhibit WG’s ability to investigate, make, or defend legal claims; result in disclosure of personal information about a third party; or result in breach of a contract or disclosure of trade secrets or other proprietary business information belonging to WG or a third party.

How long does WG retain personal information?
We retain personal information for as long as needed for the business purposes for which it was collected. Sometimes, we may have to retain information longer based on laws or regulations that apply to our business. Where possible, we try to remove unnecessary identifiers from records we may need to keep for periods beyond our normal retention period.

Third-Party Links

This website may include links to third-party websites, plug-ins, and applications. Clicking on those links or enabling those connections may allow third parties to collect or share data about you. We do not control these third-party websites and are not responsible for their privacy statements. When you leave our website, we encourage you to read the privacy policy of every website you visit.

Data Security

We have put in place appropriate security measures to prevent your personal data from being accidentally lost, used, altered, or accessed in an unauthorized way. In addition, we limit access to your personal data to those employees, agents, contractors, and other third parties with a business need to know. They will only process your personal data on our instructions, and they are subject to a duty of confidentiality. We have put in place procedures to deal with any suspected personal data breach and will notify you of a breach where we are legally required to do so.

FOR CALIFORNIA USERS

This section describes the personal information under the California Consumer Privacy Act of 2018 [“CCPA”] we collected about California residents in the last 12 months, the sources of that information, our business or commercial purposes for collecting the information, and the third parties with whom we shared that information. 

 

 

The sections above describe the categories of personal information we collect and the sources from which the information was collected.

 

 

The sections above describe when WG collects personal information and the purposes for which we use collected personal information.

 

 

The sections above describe how WG may share your information.

 

 

California residents have certain rights under the CCPA. Those rights may only apply in certain circumstances and may be limited. A summary of those rights is provided below as well as information on how to exercise your rights. We may contact you to verify your identity if you exercise any rights under this section.

 

 

You have the right to know what personal information we collect, use, or disclose about you. To exercise this right, please click HERE or send a written request to WG at the address listed below. We may contact you to verify your identity when you exercise your right to know under this section.

 

 

We do not sell your personal information to third parties in exchange for money or other consideration. However, the CCPA broadly defines the concept of “selling” information so we offer the opportunity for California residents to opt out of selling information to third parties. Please click HERE or send a written request to our address below to opt out of having your information sold to third parties.

 

 

You have the right to request that we delete the personal information we collect or maintain about you. Please click HERE or send a written request to our address below to request we delete your information. Please note that certain exceptions may apply to your right to have information deleted, including when we must retain your information to comply with legal obligations. We may contact you to verify your identity when you request that we delete your personal information.

 

 

We will not discriminate against you if you exercise any of your rights under the CCPA. However, we may offer financial incentives for the collection of personal information, the sale of personal information, or the deletion of personal information. You may exercise these rights yourself or you may designate an authorized agent to make a request on your behalf. Your authorized agent must be able to demonstrate authority to act on your behalf when submitting a request on your behalf.

FOR NEVADA USERS

This notice is provided under Nevada state law. You may be placed on our WG Internal Do Not Call List by contacting us at WG’s address below. Nevada Law requires that you are provided with the following contact information:

Bureau of Consumer Protection

Office of the Nevada Attorney General

555 E. Washington Street, Suite 3900

Las Vegas, NV 89101

Phone (702) 486-3132

Email: [email protected] 

What is WG’s contact address for privacy questions?
If you have questions about this policy or WG’s information collection, you may contact the data controller and owner of the website in these ways:

Email: [email protected]

Mail: Wesley Group

Security Department

9009 Carothers Parkway, Suite B3, Box 103

Franklin, Tennessee 37067

Telephone: 800-425-4081 

Policy updates
WG reserves the right to modify this privacy statement at its discretion. If we change this policy, we will post changes on this site so you always will know what information we gather, how we might use that information, and whether we will disclose it to anyone. We may also email any modifications. 

This policy was last updated in August 2020.