Cookies on BBB.org

We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Share
Business Profile

Timeshare Companies

Central Florida Investments, Inc.

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Timeshare Companies.

Reviews

This profile includes reviews for Central Florida Investments, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

Central Florida Investments, Inc. has 28 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Country
    Please enter a valid location.

    Customer Review Ratings

    1.05/5 stars

    Average of 339 Customer Reviews

    Want to share your experience?

    Leave a Review

    Review Details

    • Review fromSidney S

      Date: 09/10/2023

      1 star

      Sidney S

      Date: 09/10/2023

      I sent a letter to Westgate on July 17, but still no response. I guess they have nothing to say when someone calls them out for their fraudulent behavior. I have been a customer of theirs since 2000 and am finally disgusted with their behavior. Throughout the years there have been more upgrades and more scams. It is so sad to see the process of this company developing horrible and manipulative behaviors towards their customers. I am retired and on a fixed income and have already paid about $50,000 towards this timeshare. I cannot handle the financial burden from this and just need it to end. Please, respond to my letter Westgate, I look forward to hearing from you and being released from my contract. To everyone else reading this, consider it a warning and stay away from Westgate.

      Central Florida Investments, Inc.

      Date: 09/21/2023

      September 21, 2023





      RE:
      Sidney *****

             ****** * ****** * ******* * *********** * **** * *********



      Dear Mr. *****,



      Thank
      you for your patience while we reviewed your post on the Better Business Bureau
      website. We apologize for our delay in response and for any inconvenience this
      may have caused. Be advised, a thorough review of your account was completed on
      multiple levels to ensure that the conclusion reached is as accurate as
      possible. Please know that our response to your correspondence directed to our
      offices is being sent out to the email address we have on file for your account
      and answers the concerns you express in it.



      Please know that we
      are disheartened to hear of any dissatisfaction you have with Westgate after
      having been an owner for over 20 years without any previous complaint.
      Nonetheless, please know that we remain here for all of your concerns and
      questions. Should you need further assistance in these matters, please do not
      hesitate to reach out to us at the email address furnished below.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate Resorts

      [email protected]



      Ak/bp
    • Review fromJoshua D

      Date: 09/07/2023

      5 stars

      Joshua D

      Date: 09/07/2023

      These people are scammers, I asked if they ran my credit because I didn’t want to use my credit for this, and they did! they sold me a dream , did everything to get me to buy a time share

      Central Florida Investments, Inc.

      Date: 09/25/2023

      September 25, 2023





      RE:
      Joshua ***** and Jennifer *****

             ****** * ****** * ******* * *********** * **** * *********



      Dear Mr. ***** and Ms. *****,



      Please
      allow us to clarify that Westgate does not conduct a credit check as a
      requirement for purchasing. While Westgate does report to credit as this is a
      financed loan, we can confirm that your credit was not run by Westgate at the
      time of sale.



      Ultimately,
      we thank you for the opportunity to be of service. Should you have
      documentation proving otherwise or any further concerns, we highly encourage
      you to provide such to our email found below.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Ak/am
    • Review fromCandi S

      Date: 08/30/2023

      1 star

      Candi S

      Date: 08/30/2023

      TO: Westgate, I sent a letter to you dated 07/28/23 and we have gotten no response to it. We
      saw it was delivered, yet it seems like no one has given it the time of day. So here is a summary of the things we were lied to about to warn everyone else as it appears Westgate doesn't care about ripping people off. Our loan was higher than we were told, our heirs are forced to inherit this timeshare and all of its negative aspects we were never told about, the rescission period was left out of the closing meeting, we could generate rental income, and that their resorts are exclusive to their owners. If we had not been rushed into purchasing this timeshare or through the signing process we would have had time to go over the contract. It was so rushed and we were told the price we were given would only be available that day, but the price we were given was not the one we signed for. If you want to understand what high pressure sales tactics look like, just sign up for a presentation and clear your schedule. The 90 minutes they said the presentation would last turned into 8 grueling hours.

      Central Florida Investments, Inc.

      Date: 09/19/2023

      September
      19, 2023





      RE: Titus and Candi *******

             ****** ** * ****** * ******* * *********** * **** * *********



      Dear Mr. and Mrs. *******,



      We appreciate your patience
      while we reviewed your correspondence. Please find our response below.



      Mr. and Mrs. *******, please be advised that to protect your
      privacy we will be responding to your specific concerns regarding your
      timeshare ownership in a separate letter that we will be sending to you
      directly via email, including copies of the documents you executed on the date
      of purchase, which contradict the claims you have raised. If any questions or
      concerns should remain, we may be contacted at the email address furnished
      below. We appreciate the opportunity to be of service.



      Respectfully,



      Connor M., Executive Team

      Owner Relations Correspondence

      Westgate Resorts

      [email protected]



      Cm/bp
    • Review fromOdexa K

      Date: 08/30/2023

      1 star

      Odexa K

      Date: 08/30/2023

      I can't even begin to express how deeply disappointed and frustrated we are with the entire experience involving Westgate Resorts. From the very start, we were taken advantage of and manipulated into signing a timeshare contract against their better judgment.
      The fact that the salespeople relentlessly pressured us into committing to something we repeatedly stated they couldn't afford is outrageous. Instead of listening to our genuine concerns, the staff seemed only interested in closing the deal, even if it meant using deceitful tactics. This blatant disregard for potential customers' financial well-being is utterly reprehensible.
      What's worse is the false promises we were subjected to. The allure of rental income and the ability to sell back the timeshare at any time were used as bait, only to be exposed as outright lies. It's beyond frustrating to think that hardworking individuals were manipulated with these empty assurances.
      The lack of transparency and omission of critical financial details during the contract review process is unethical and unfair. It's clear that the company deliberately withheld important information.
      The constant pressure to upgrade our contract and the phone calls insisting on more expenses are simply infuriating. It's outrageous that a company would exploit their customers' trust in such a relentless manner.
      My spouse and I both have served our country with dedication. We were seeking a simple vacation and ended up entangled in this web of deceit and financial burden. It is disgusting that Westgate has stooped so low to prey on our service men and women.
      To anyone reading this review, steer clear of this company and their timeshare traps at all costs. It's an unfortunate reminder of how easily vulnerable individuals can fall victim to manipulation and false promises.

      Central Florida Investments, Inc.

      Date: 09/19/2023

      September 19, 2023





      RE: Nathanael and Odexa ******

             ****** ** * ****** * ******* * *********** * **** * *********



      Dear Mr. and Mrs. ******



      We
      appreciate your patience while we reviewed your correspondence. Please find our
      response below.



      Mr. and Mrs. ******, it is our
      most sincere regret to read that you no longer wish to be the owners of a
      timeshare with Westgate Resorts. While we appreciate your concerns, please be
      advised that our review of the most recent phone call that you had with our
      sales team does not support your claims of wrongdoing. Please be advised that
      our review of that phone call indicates that you inquired about utilizing your
      timeshare with Westgate and that you were advised that you are able to utilize
      your timeshare every year. Please also be advised that our review of that call
      indicates that you mentioned your satisfaction with your timeshare ownership
      and how much you and your family enjoy staying at the resorts. Our review of
      that call also indicates that you mentioned how much you enjoyed the atmosphere
      at Westgate and that you inquired about potential job opportunities once you
      retire.



      It is important to understand
      that our review of that call indicates that the only complaint that was brought
      up was by Mrs. ****** stating her concerns about the availability of booking
      dates and that she was advised that all reservations are based on availability.
      As such, please be advised that our research has concluded that none of the
      concerns that you have raised in your correspondence were raised during your
      most recent phone call with our sales team and that you were satisfied with
      your timeshare ownership and looking to upgrade your ownership to allow
      yourself more time to travel with your family.



      Please also allow us to explain
      that the upgrade that you purchased allows you to utilize your timeshare every
      year during the New Year event week. Please be mindful that you are able to
      exchange your contracted week either for another week encompassed within the All-Season or for another event week during your occupancy year by paying a $159
      exchange fee when booking your reservation online.



      While we appreciate your
      concerns, our research has concluded that you were
      given full and fair disclosure of the purchase terms and conditions during the phone
      call that you had with our sales team and via the documents that you received,
      signed, and executed by U.S. mail. As consumers, it was your responsibility to
      review the terms of the purchase to ensure they fit within your financial means
      and travel needs. For Westgate’s and your protection, the contract documents
      signed and initialed by the parties are considered expressions of our mutual
      understanding of the purchase transaction. Please know that Westgate too is
      bound to comply with the terms of the executed contract documents, which
      constitute the only verifiable evidence to establish the terms of your
      ownership. If you have any documentation that would support your claims of
      wrongdoing, we encourage you to submit this to the email address furnished at
      the bottom of this letter so that we may review it and perform further research
      into your concerns. In the absence of such documentation, please be advised
      that your contract remains valid, enforceable, and it will not be cancelled.



      As
      always, we remain here to help you. We encourage you to contact our HOA
      Outreach Team at 1-800-216-7103 for further assistance with your
      account. While
      they do not provide contract cancellation services, they are committed to
      helping you. They will explore options that may be available to you to assist
      you with bringing your account current with your financial difficulties in
      mind. Thank
      you for the opportunity to be of service.



      Respectfully,



      Connor M., Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Cm/am
    • Review fromKevin F

      Date: 08/29/2023

      1 star

      Kevin F

      Date: 08/29/2023

      FRAUDULENT
      This company took advantage of my tangential relation to healthcare to "offer" me a predatory deal on timeshares, refusing to allow me to contact my financial advisor before making a commitment. Their "reward" for my time was stealing a $50 deposit that I made for a vacation booking that they never informed me of (they told me specifically that I would receive someone in the mail, and never sent me anything by mail). This was all under the pretense of "giving me a free lunch and a tour of the hotel" while I was staying in Vegas. Don't make the same mistake I did.

      Central Florida Investments, Inc.

      Date: 09/13/2023

      September 13, 2023





      RE:
      Kevin *******

             ****** * ****** * **** * *********
       

      Dear Mr. *******,



      We
      thank you for your patience while we reviewed and researched your concerns. Our
      response follows below.



      Mr.
      *******, we believe you may be referencing the tour you attended in August of
      2022. Please know that our records show you did not qualify; however, as a
      courtesy, you were accepted to tour and gifted accordingly. The gifts received
      amounted to $150 in restaurant credits and a Vacation of a Lifetime
      Certificate.



      Please
      be advised that all terms and conditions for usage were clearly disclosed on
      the document itself, including the deposit requirement. Nonetheless, this
      certificate is offered and fulfilled by a different, independent third-party
      entity. As such, all concerns need to be directed to them. While the presented
      sales allegations are entirely verbal and unsubstantiated, our records indicate
      that no purchase was made.



      Ultimately,
      we would like to thank you for your feedback as we always are looking for
      opportunities to improve our provided services. Our
      hope remains that you will remember Westgate Resorts for your future vacation
      needs or if you consider vacation ownership in the future.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Ak/am
    • Review fromScott H.

      Date: 08/25/2023

      1 star

      Scott H.

      Date: 08/25/2023

      Our last encounter with Westgate was a terrible experience. We originally took the 3 day offer to come and tour the property in 2022. We took the tour and eventually were pressured into buying at the cost of 18,000.00 at that time. We had thought we had purchased full ownership of a 3 bedroom lockout unit and thought we could use it anytime that year. After we had completed the process we went home and started to realize that we could not utilize the timeshare or Interval international trade in until we had paid out HOA dues in full which is another 2200.00/year. Later in the year around October we received an invitation for a owners orientation which we scheduled for January 2023. We setup our orientation meeting time and met with a new sales person at that time to discuss how to use. As we were sitting in the sales area he could not figure out why we could not utilize, trade, or rent and was going to look into why that was happening. He then returned with a sales manager who spoke little english to tell us we only owned a share of the unit and could not really do anything with it. Eventually they pressured use into purchasing the remaining share of the property at $30,000.00. We sat through closing without anyone telling us key details about when we could utilize. After further investigation I found out we could not use it for the 2023 calendar year that our utilization started in 2024 and they had rolled the principle paid into the new agreement our past purchase from the year before eliminating our chances to use as well as our HOA payment for the 2022 year. We now have to pay our 2023 HOA $ 2200.00 dues in December and will give us utilization access for 2024. At this point my wife and I feel we have been taken for a ride with Westgate, They are a very shady company.

      Central Florida Investments, Inc.

      Date: 09/12/2023

      September 12, 2023





      RE:
      Scott and Marloe ********

             ****** * ****** * ******* * *********** * **** * *********
       

      Dear Mr. and Mrs. ********,



      Thank
      you for reaching out regarding your concerns. Please know that we have
      responded via the email we have on file to respect your privacy in these
      matters.



      We
      are appreciative of the opportunity to be of service and respond.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Ak/am
    • Review fromBrian T

      Date: 08/23/2023

      1 star

      Brian T

      Date: 08/23/2023

      Ken at Westgate is a lying scoundrel! He told us we could expect to make $3,000 A WEEK by renting out our timeshare through AirBnB. News flash, that is not true!! Kens endless lies have cost us tens of thousands of dollars, and a lifetime of unwanted stress. Ken also told us we’d have DISCOUNTED ACCESS TO DISNEY! Their parks, resorts, AND CRUISES! More lies spun in his web to entrap us in a contract they never told was in perpetuity.

      To make matters worse, we sent a complaint letter to the CEO of Westgate and to no surprise, there has been no response and it’s been a month!

      Do not get sucked into one of their presentations, let alone stay at one of their resorts. You will regret it for the rest of your life!

      Central Florida Investments, Inc.

      Date: 09/08/2023

      September 8, 2023





       RE: Brian ******

              ****** ** * ****** * ******* * *********** * **** * *********



      Dear Mr. ******,



      Thank
      you for your patience while we reviewed your correspondence. We apologize for any
      delay in our response, and for any inconvenience this may have caused. Please
      be advised that a thorough review of your account was completed on multiple
      levels to ensure that the conclusion reached is as accurate as possible. For
      your convenience, we will be sending you a separate correspondence via email
      containing an additional copy of the signed contract document mentioned herein.
      You may find our response below.



      Mr. ******, with regard to
      your concerns about renting your timeshare, please be advised that Westgate
      requires all owners to complete the Acknowledgment of Representations to
      eliminate the possibility of any misunderstandings concerning what may have been
      presented to you, which may have influenced your decision to purchase. Please
      be advised that your signatures and initials on this document indicate that you
      purchased this property for personal use, that there were no representations
      made regarding investment or resale potential, and that Westgate does not have
      a rental or resale program to assist you. Please also be advised that our
      review of the recorded closing does not indicate that you mentioned your
      concerns about renting your timeshare or incomplete documents during the
      closing process.



      As for your concerns about
      having access to discounted tickets to Disney, please know that you can
      purchase Disney tickets and book accommodations at a discounted rate through Westgate
      Cruise and Travel Collection (WGCTC) with an active membership,
      based on availability. Please keep in mind that any travel through WGCTC is
      based upon their terms and conditions as they are a third-party entity, and
      Westgate does not govern or control their inventory. Should you have questions
      about their services or specials currently being offered, you may contact WGCTC directly at 1-800-572-6169.



      While we appreciate your
      concerns, it is important to understand that, when purchasing an interest in
      deeded real estate property, you assumed certain responsibilities under the
      contractual documents that you signed and executed; therefore, you will remain
      responsible for financial and contractual obligations associated with the
      timeshare unless there is a change in title. Please know that you can rent,
      sell, will, or transfer any rights of ownership; however, this would be at your
      discretion as Westgate does not assist with this process. Please be advised
      that both parties are legally required to honor the terms of the agreement, and
      as such, your contract is valid, enforceable, and it will not be cancelled in
      the absence of documentation that would either support your claims or negate
      your signatures on the executed contract documents.



      While
      we are appreciative of your concerns, we remain here to help you. We encourage
      you to contact our Account Services Team at 1-888-999-0101 for further assistance with your account. While they do not provide contract cancellation services,
      they are committed to helping you. They will explore options that may be
      available to you to assist you with bringing your account current with your
      financial difficulties in mind.



      We thank you for the opportunity to be of service.



      Respectfully,



      Connor M., Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Cm/am
    • Review fromJessica P

      Date: 08/13/2023

      1 star

      Jessica P

      Date: 08/13/2023

      Our encounter with Westgate Resorts was an absolute nightmare! The timeshare presentation at their Orlando, FL location, conducted by Oriana ******, turned into a 4-hour ordeal of high-pressure sales, misinformation, and even physical detainment by their employees.
      Ms. ****** collected personal information, then made an offer that was beyond our means. When we declined, she bombarded us with four more offers, each accompanied by false promises of affordable stays at Westgate properties, including Disney resorts at $499.00 per week. We felt cornered and reluctantly accepted the fifth offer.
      The contract was filled with discrepancies and misrepresentations. They tried to trick us into signing up for a reference program, charging an extra $500 and violating our privacy. The promised capped pricing for "getaways" was a lie, applying only to select locations within their app.
      During the rushed contract closing, they brushed aside our questions and failed to disclose vital documents, infringing on our consumer rights.
      They imposed a 6-8 week processing period, rendering our 10-day cancellation window null and void, as mandated by Florida law. Booking accommodations afterward was a nightmare, with limited availability and inflated prices through Interval International.
      Westgate Resorts uses deceitful tactics to trap unsuspecting victims. We demand immediate contract termination and a full refund! Avoid Westgate Resorts at all costs, and we'll pursue legal action if they fail to address our distressing experience and refund our hard-earned money!

      Central Florida Investments, Inc.

      Date: 08/28/2023

      August 28, 2023





      RE:
      Timothy and Jessica ******

             ****** * ****** * ******* * *********** * **** * *********



      Dear Mr. and Mrs. ******,



      We thank you for your comments and feedback and are saddened to
      read about your dissatisfaction with your purchase, as one of Westgate’s main
      goals is to assist our owners in realizing the full potential of their
      timeshare ownership.



      Ultimately, for us to better address your concerns and due to privacy,
      please know that we will be sending a full response to your email address on
      file.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Ak/am
    • Review fromHarry B

      Date: 08/11/2023

      1 star

      Harry B

      Date: 08/11/2023

      BE WARNED!! - Westgate tactics had reached a new "All Time Low". Especiially, if you take a time share tour in Orlando, Florida at (Westgate Lakes- location: ***** ****** **** ****). My wife & I was scheduled for a 'time share tour' by phone, promising that if we attend a 90 minutes tour & under no obligation to accept a time share at the end of the presentation, that we will receive a $200.00 Disney World Gift Card. We had given all the qualifying information by phone & at the 'site itself' when we arrived to our 11am appointment on (Aug 5, 2023). We were given a terrible host by the name of: Bashi., whom at the very beginning of the presentation gave up rude hints that he can disqualify us at his 'whim' if we were not going to take a time share. He was extremely arrogant & insulting when he realize we were no longer interested of getting a time share, when the presentation concluded, inwhich was an 1hr/45min. He said, we were disqualifed for the Gift Card because he'd claimed 'We were not participating!'. I had request the manager; Mr. Alex *******, whom I had made a complaint to, but was to no advail. (PLEASE note: A few employess 'there' had hinted to us (befor we had the host) that alot of people had been leaving the presentation there - Angry? My wife & I wanted a nice vacation and to meet good people. It is sad, "Time Share and their Associates have reached a whole new level of EVIL".

      Central Florida Investments, Inc.

      Date: 08/28/2023

      August 28, 2023





      RE:
      Harry *******

             ****** * ****** * **** * *********



      Dear Mr. *******,



      Westgate Resorts is in receipt of your correspondence. We thank
      you for the opportunity to respond.



      Mr.
      *******, we apologize for any confusion or lack of customer service you may
      have experienced. Please understand that our records indicate that you were
      recording the tour without consent and were ultimately disqualified.
      Nonetheless, we can confirm that you were refunded your deposit.



      Should
      you have any further concerns or questions, please do not hesitate to reach out
      to us at the email below.



      Respectfully,



      Aidan K.,
      Executive Team

      Owner
      Relations Correspondence

      Westgate Resorts

      [email protected]



      Ak/bp
    • Review fromKatherine H

      Date: 08/11/2023

      1 star

      Katherine H

      Date: 08/11/2023

      My experience with Westgate has been an absolute disaster that I feel compelled to warn others. From the moment their representatives approached me on the Las Vegas strip, I could sense trouble ahead. They were like sharks, relentlessly pursuing me with their deceitful offers. The promise of a cheap vacation and extra cash was tempting, but the price I paid was far too high. They urged me to be dishonest about my marital status to secure the offer, leaving me feeling exploited. I expected a simple tour, but instead, I found myself in a high-pressure sales pitch that was several hours long. The salesperson made grandiose promises of extravagant vacations, rental income, and tax write-offs while conveniently omitting information about interest rates and hidden fees. Despite expressing my inability to afford the steep upfront cost, they continued to pester me into making an immediate decision. To make matters worse, the free gifts they promised turned out to be nothing more than empty enticements - they were never delivered, and I was left feeling deceived and cheated. Even when I voiced my concerns about the negative reviews and hidden fees associated with their timeshares, the Westgate representative dismissively brushed them aside, displaying a lack of transparency and a sole focus on making a sale. Regrettably, under immense pressure, I succumbed and signed the contract, only to discover later that the maintenance fees and interest rates were astronomical, far beyond what was initially promised. None of the supposed benefits materialized, and the financial burden was overwhelming. I am now stuck, desperately wanting to terminate my contract and so far, these crooks are budging. I urge anyone considering a timeshare with Westgate to think twice and carefully weigh the consequences. Avoid falling into their trap and seek more reputable ways to plan vacations. Westgate is not an honest company. Stay away from anything having to do with them.

      Central Florida Investments, Inc.

      Date: 08/28/2023

      August 28, 2023





      RE: Katherine ************

             ****** ** * ****** * ******* * *********** * **** * *********



      Dear Ms. ************,



      We
      appreciate your patience while we reviewed your correspondence. Please find our
      response below.



      Ms. ************, it is our
      most sincere regret to read that you no longer wish to be the owner of a
      timeshare with Westgate Resorts. Please be advised that we will be sending a separate
      response to you directly via email in which we will be addressing your concerns
      with regard to your timeshare ownership. If any questions or concerns should
      remain, we may be contacted at the email address furnished below.



      We thank you for the
      opportunity to be of service.



      Respectfully,



      Connor M., Executive Team

      Owner
      Relations Correspondence

      Westgate
      Resorts

      [email protected]



      Cm/am

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.