Automated voice, waits for you to answer questions to trigger more questions. Makes mention that you are over 28 yrs of age...and that you have a credit card. I have no credit card. If you wait long enough, it transfers you to a customer service agent, where I am sure they would take information from you, like your credit card number. I hung up before the transfer. The tape talks about how you qualify for a trip to Disney, etc. They do not identify themselves.