I believe this is a company that offers vacations (as a member) at substantial savings using a points system to purchase the travel/cruises.  It is a great program, and once you pay a down payment, you pay an annual fee which is a lot less than what you would normally pay for the vacation as a non-member.  They are in Kissimmee/Orlando, FL area and if you have never done business with them, you may have been referred by someone who thinks you too would benefit from learning about the program. (Not a time share).  You would then be invited to a seminar where you are offered a free cruise, and some other incentives...just for listening.  (Keep in mind nothing is ever really free and there are hoops to jump through for the incentives but you can get them). If you have been with the company already, they may be calling to remind you of your annual fee which is due.