Privacy Policy

Ross, Lynn, and Associates, LLC
Last Updated / Effective Date: October 3, 2026

1. Who We Are

This Privacy Policy explains how Ross, Lynn, and Associates, LLC ("RLA," "we," "us," or "our") collects, uses, discloses, and protects personal information when you visit rosslynnandassociates.com (the "Website"), contact us by phone, text, or email, or use our services (together, the "Services").

RLA is a private, non-court-appointed dispute resolution firm. RLA prepares pro se discrepancy dossiers for timeshare owners and, at the owner's request, facilitates direct resolution discussions with the resort. When RLA has prepared an owner's dossier, RLA participates as the owner's resolution facilitator, not as a neutral mediator. RLA is not a law firm and does not provide legal advice.

Our Services are offered as the following options, which you select in your written agreement with RLA:

1. Pro se discrepancy dossier. We help you organize your own dossier, which identifies significant contradictions between the verbal sales statements you report and your written timeshare records. The statements in your dossier are your own, written and approved by you. You then contact your resort directly.

2. Dossier plus client-side resolution facilitation. In addition to the dossier, RLA participates as your resolution facilitator in a discussion with your resort, developer, lender, or management company, only at your request, with your written consent, and only if the other party agrees to take part.

3. Attorney directory (free informational resource). RLA maintains a passive, non-commissioned directory of independent, licensed attorneys. If you choose to hire an attorney, you contract with and pay that attorney directly. RLA receives no referral fees, fee-sharing, or other compensation from any attorney or law practice.

Outside of a resolution discussion you have authorized, RLA does not contact, communicate with, or negotiate with any timeshare resort, developer, lender, or management company, and RLA never requests or obtains records from them.

An attorney-client relationship exists only between you and the attorney you choose to retain. It never exists between you and RLA.

Important: Because RLA is not a law firm, your communications with RLA are not protected by attorney-client privilege.

2. Scope

This Privacy Policy applies to personal information we collect through the Services. It does not cover the practices of companies we do not own or control, including the independent attorneys in our directory, timeshare resorts, developers, lenders, or management companies. Each of them has its own privacy practices.

3. Information We Collect

A. Information You Provide to Us

1. Contact and inquiry information: your full name, phone number (including mobile number), email address, mailing address, the name of your timeshare or resort, and the reasons you want to exit your timeshare.

2. Communications: the content of your calls, voicemails, text messages, emails, and other messages with us.

3. Timeshare purchase records: purchase agreements, contracts, deeds, points or membership statements, maintenance fee statements, loan statements, sales presentation materials, and related correspondence that you provide to us for your dossier.

4. Your intake questionnaire: your own written account of what you were told when you purchased your timeshare, which you sign and approve.

5. General financial hardship information (optional): general circumstances you choose to share, such as loss of employment, loss of business, divorce, death of a spouse, caregiving responsibilities, or difficulty paying loan or maintenance fees.

6. Payment information: Payments for our Services are made through a third-party payment processor, which collects your payment card or bank account details directly. RLA does not receive or store full payment card numbers, card security codes, or full bank account numbers. We receive only limited transaction details, such as your name, payment amount, date, and the last four digits of your card or account.

B. What We Do Not Collect

1. Health and medical information. We do not request or collect health conditions, diagnoses, doctor's notes, medical records, or other health information. If a medical hardship applies to you, please share it directly with your attorney. If you mention health information to us, we do not add it to your file or dossier. If you send us medical records, we will delete or return them. Call recordings, including any incidental mention of health information, are deleted on the schedule described in Section 9.

2. Social Security numbers and sensitive financial records. We do not collect Social Security numbers, government ID numbers, bank statements, credit reports, tax returns, or income documentation. If an attorney needs this information, you provide it directly to the attorney.

3. Records from third parties. All timeshare records we review are provided directly by you. We do not request or obtain records from any resort, developer, lender, or management company.

4. Purchased or third-party leads. We do not purchase, rent, or receive lists of consumer contact information from any third party. We receive your contact information only when you contact us.

C. Information Collected Automatically

When you use the Website, we and our service providers automatically collect certain information through cookies and similar technologies, including:

1. IP address and approximate location (city/state level)

2. Browser type, operating system, and device type

3. Pages viewed, time spent on pages, links clicked, and the date and time of your visit

4. The website or advertisement that referred you to the Website

5. Advertising campaign identifiers, such as Google Ads click identifiers

See Section 7 for more detail.

D. Information From Other Sources

With your authorization, we may receive information about your timeshare matter from an independent attorney you retain. We may also receive aggregated advertising and analytics reports from Google.

4. How We Use Your Information

We use personal information to:

1. Respond to your inquiries and schedule consultations

2. Review your information to recommend a service option and provide a quote

3. Help you organize your pro se discrepancy dossier from the records and statements you provide

4. Provide client-side resolution facilitation when you select and authorize it

5. Provide our attorney directory when you request it

6. Communicate with you by phone, text message, and email about your inquiry or account

7. Process payments and maintain business and accounting records

8. Prevent fraud

9. Operate, analyze, secure, and improve the Website

10. Measure how well our Google search ads lead to inquiries

11. Comply with legal obligations, resolve disputes, and enforce our agreements

5. Sensitive Personal Information

We do not collect sensitive personal information, such as health information, Social Security numbers, government ID numbers, full financial account numbers, or payment card numbers with security codes. Payment details are collected directly by our third-party payment processor, as described in Section 3. We do not use any personal information to infer characteristics about you.

Please do not include medical details or account numbers in the contact form or intake questionnaire on our Website. We will give you a secure way to provide documents when needed.

6. How We Disclose Your Information

We do not sell or rent your personal information, and we do not share it with third parties for their own marketing purposes.

We disclose personal information only as follows:

1. Your resort, with your consent. If you select resolution facilitation, we disclose to your resort, developer, lender, or management company only the information from your dossier that you authorize in writing. We do not disclose any other information to them.

2. Independent attorneys, at your direction. If you choose to hire an attorney from our directory, we provide your dossier to that attorney only with your written authorization. This is done at your direction and is not a sale. RLA receives no compensation for it.

3. Service providers. We use vendors who act on our behalf and are contractually restricted from using your information for any other purpose. These include website hosting, phone and text messaging platforms, email, secure document storage, payment processing, website analytics, and ad measurement.

4. Legal and safety reasons. We may disclose information to comply with a law, regulation, subpoena, or court order. We may also disclose it to respond to lawful government requests, protect against fraud, or protect the rights, property, or safety of RLA, our clients, or others.

5. Business transfers. If RLA is involved in a merger, acquisition, or sale of assets, your information may be transferred as part of that transaction, subject to this Privacy Policy.

6. With your consent. We may disclose information for any other purpose you authorize.

7. Cookies, Analytics, and Advertising Technologies

We use the following third-party technologies on the Website:

Google Analytics

Understand how visitors use the Website and measure performanceInstall the Google Analytics Opt-out Browser Add-on (tools.google.com/dlpage/gaoptout)

Google Ads conversion tracking

Measure whether visitors who click our Google search ads go on to submit an inquiryVisit Google's My Ad Center (myadcenter.google.com) or block cookies in your browser

These tools use cookies, tags, and similar technologies that may collect your IP address, device information, pages visited, and interactions with the Website. Google's use of this information is governed by Google's Privacy Policy (policies.google.com/privacy).

We advertise only through Google paid search ads. We do not use remarketing or retargeting, and we do not build advertising audiences from visits to our Website.

What we do not send: We do not send Google the contents of the forms you submit, such as your name, phone number, email, or the reasons you want to exit your timeshare. Google Ads "Enhanced Conversions" is turned off.

Your choices:

1. Cookie preferences: You can manage non-essential cookies through the cookie banner or preferences link on our Website. You can also block or delete cookies in your browser settings, although some Website features may not work properly.

2. Global Privacy Control (GPC): We treat a GPC signal sent by your browser as a valid request to opt out of targeted advertising and of any "sale" or "sharing" of personal information for that browser, and for you if we know who you are.

3. Do Not Track: Because there is no common industry standard for "Do Not Track" browser signals, we do not respond to them. We do honor GPC as described above.

We do not use session-recording ("replay") tools on the Website.

Section 8. Calls and Text Messages

8.1 Consent. RLA calls or texts you only if you contacted RLA first, left a message, submitted a website inquiry, or are a current client. If you check the consent box on our website form, you agree that Ross, Lynn, and Associates, LLC (RLA) and its service providers acting for it may call and text the phone number you gave us, including with automated technology. RLA does not use artificial or prerecorded voice calls. You don't have to give consent to buy any service.

8.2 What We Contact You About. We use your number for your timeshare inquiry and, if you become a client, for scheduling, documents, and your engagement with RLA. RLA does not buy leads, telemarket, or contact anyone who hasn't contacted us first.

8.3 Message Frequency and Charges. How often we message you depends on your inquiry or engagement. Your carrier's message and data rates may apply.

8.4 Opting Out. Reply STOP to any text to stop receiving texts, or reply HELP for help. You can also withdraw your consent another reasonable way: tell us during a call, email info@rosslynnandassociates.com, or call 561-359-0244. We will process your request within 10 business days. After you opt out, we may send one text confirming it.

8.5 No Sharing. RLA does not sell or share your phone number, your consent to receive texts, or your opt-in information with third parties or affiliates for their marketing. Text messaging originator opt-in data and consent will not be shared with any third parties, except service providers that help RLA deliver messages.

8.6 Records. We keep consent and opt-out records for 5 years after the last call or text.

8.7 Carriers. Mobile carriers are not responsible for messages that are delayed or not delivered.

9. Data Retention

We keep personal information only as long as reasonably necessary for the purposes described in this Privacy Policy, including to meet our legal, accounting, and recordkeeping obligations and to resolve disputes:

1. Inquiries (people who contact us but do not become clients): up to 3 years from our last contact with you.

2. Client files and agreements: up to 5 years after your engagement with RLA ends.

3. Communication consent and opt-out records: 5 years from our last call or text message to you, for both inquiries and clients.

4. Call recordings: up to 90 days from the date of the call, unless a recording documents your consent or opt-out, in which case it is kept for the period in item 3.

When the retention period ends, we securely delete or de-identify the information, unless the law requires us to keep it longer or it is subject to a legal hold.

10. Data Security

We use reasonable administrative, technical, and physical safeguards to protect personal information, including:

1. Encrypted transmission of data on our Website (SSL/TLS)

2. Access controls that limit client files to personnel who need them

3. Secure document-sharing methods for contracts and purchase records

4. Contractual confidentiality and security obligations for our service providers

No method of transmission or storage is completely secure, so we cannot guarantee absolute security. If a data breach affects your personal information, we will notify you as required by applicable law, including the Florida Information Protection Act.

11. Your Privacy Rights

Depending on where you live, you may have some or all of the following rights. We extend these rights to all U.S. consumers, whether or not a specific state law requires us to:

1. Right to know and access: request the personal information we hold about you and how we use and disclose it

2. Right to correct: request that we correct inaccurate personal information

3. Right to delete: request that we delete your personal information, subject to legal exceptions

4. Right to a portable copy: receive your information in a commonly used format

5. Right to opt out of targeted advertising, sale, or sharing: we do not sell personal information, and we do not use remarketing. If any of our ad measurement is considered "sharing" or targeted advertising under your state's law, you can opt out using GPC, the methods in Section 7, or by contacting us

6. Right to non-discrimination: we will not deny you services, charge you different prices, or give you a different level of service because you exercised your privacy rights

How to Submit a Request

1. Email: info@rosslynnandassociates.com (subject line: "Privacy Request")

2. Phone: 561-359-0244

3. Mail: Ross, Lynn, and Associates, LLC, Attn: Privacy, 7711 N. Military Trail, Suite 405, Palm Beach Gardens, FL 33410

Verification: To protect you, we will verify your identity before fulfilling a request. Usually we do this by matching information you provide with information we already have. You may use an authorized agent to submit a request on your behalf. If you do, we may require proof of the agent's authority and may ask you to verify your identity directly.

Response time: We will respond within 45 days. If reasonably necessary, we may extend this period by another 45 days, and we will tell you if we do.

Appeals: If we deny your request, you may appeal by replying to our decision or emailing info@rosslynnandassociates.com with the subject line "Privacy Appeal." We will respond to your appeal within 45 days, or within any shorter period required by law, and explain our decision in writing. If you disagree with the outcome, you may contact your state Attorney General.

12. Additional Information for California Residents

This section supplements this Privacy Policy for California residents, consistent with the California Consumer Privacy Act as amended by the California Privacy Rights Act (together, the "CCPA").

Personal information collected in the past 12 months:

IdentifiersName, phone, email, address, IP addressService providers; your attorney (at your direction); your resort (with your written consent)

Customer records (Cal. Civ. Code § 1798.80)Contracts, loan and maintenance fee statements you provide; limited payment transaction detailsService providers; your attorney (at your direction); your resort (with your written consent)

Characteristics of protected classificationsMarital status (such as divorce or death of a spouse), if you choose to share itService providers; your attorney (at your direction); your resort (with your written consent)

Commercial informationTimeshare ownership, purchase and payment historyService providers; your attorney (at your direction); your resort (with your written consent)

Internet or network activityPages viewed, referring sites, ad clicksService providers (Google Analytics and Google Ads conversion tracking)

Geolocation dataApproximate city/state derived from IP addressService providers

Audio, electronic, or similar informationCall recordings, voicemails, text messagesService providers

Sensitive personal informationNone. We do not collect it.Not applicable

InferencesNone. We do not create profiles about you.Not applicable

1. Sources: directly from you; automatically from your device; and, with your authorization, from an attorney you retain. We do not obtain information from resorts, developers, lenders, management companies, or lead sellers.

2. Purposes: the purposes listed in Section 4.

3. Sale/sharing: We do not sell personal information, and we do not share it for cross-context behavioral advertising. We do not knowingly sell or share the personal information of consumers under 16.

4. Retention: See Section 9.

5. Shine the Light (Cal. Civ. Code § 1798.83): We do not disclose personal information to third parties for their direct marketing purposes.

6. Cal. Civ. Code § 1789.3: California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.

13. Children's Privacy

The Services are intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us personal information, please contact us and we will delete it.

14. Third-Party Websites

The Website may contain links to third-party websites, including websites of attorneys in our directory. We are not responsible for the content, security, or privacy practices of those websites, and we encourage you to read their privacy policies.

15. Use Within the United States

The Services are intended for individuals located in the United States and are operated from the State of Florida. If you access the Website from outside the United States, your information will be processed in the United States, where data protection laws may differ from those in your country.

16. Changes to This Privacy Policy

We review this Privacy Policy at least once every 12 months and may update it from time to time. When we do, we will post the updated version on this page and revise the "Last Updated" date. If we make material changes to how we use or disclose personal information, we will give you notice before the changes take effect. Where the law requires it, we will ask for your consent.

17. Contact Us

If you have questions about this Privacy Policy or our privacy practices, contact us at:

Ross, Lynn, and Associates, LLC
7711 N. Military Trail, Suite 405
Palm Beach Gardens, FL 33410
Phone: 561-359-0244 (Mon–Fri, 10am–6pm ET)
Email: info@rosslynnandassociates.com