Effective Date: September 30, 2026
YMA Financial (“YMA Financial,” “we,” “our,” or “us”) respects your privacy and is committed to protecting the personal information you entrust to us.
This Privacy Policy explains how we collect, use, disclose, safeguard, and retain information when you visit our website, communicate with us, request information, use our financial education or consulting services, submit an application or inquiry, or otherwise interact with YMA Financial.
Our goal is to provide professional financial education, consulting, business and personal financial services, and related resources while maintaining appropriate safeguards designed to protect your information.
By accessing or using our website or services, you acknowledge that you have read and understand this Privacy Policy.
1. Information We Collect
The information we collect depends upon how you interact with YMA Financial.
Personal Information
We may collect information including:
- Name
- Mailing address
- Email address
- Telephone number
- Date of birth
- Government-issued identification when necessary
- Social Security Number or Taxpayer Identification Number when required to provide requested services
- Business information
- Employment and income information
- Financial information
- Credit-related information
- Payment information
- Information contained in documents you provide or upload
- Information submitted through forms, applications, questionnaires, consultations, or communications with our team
You may choose not to provide certain information; however, doing so may limit our ability to provide requested services.
Information Collected Automatically
When you visit our website, we may automatically collect information such as:
- IP address
- Browser type
- Device type
- Operating system
- Pages viewed
- Date and time of visits
- Referring website
- Website interactions
- Cookies and similar technologies
- Website performance information
This information may be used to maintain website security, improve functionality, understand visitor behavior, and enhance the user experience.
Information Received From Third Parties
When authorized or otherwise permitted by law, we may receive information from trusted third parties, including:
- Financial service providers
- Credit monitoring providers
- Identity verification providers
- Credit reporting agencies
- Payment processors
- Analytics providers
- Marketing platforms
- Public records
- Government agencies
- Other service providers involved in delivering requested services
2. Artificial Intelligence and Automated Technologies
YMA Financial may use artificial intelligence (“AI”), automation, and other digital technologies to enhance the quality, efficiency, and responsiveness of our services.
These technologies may assist with:
- Responding to website inquiries
- Scheduling consultations
- Providing educational information
- Assisting customer support
- Organizing communications
- Summarizing conversations
- Improving workflow efficiency
- Enhancing website functionality
- Supporting internal operations
AI technologies are intended to assist our team and are not intended to replace professional judgment or individualized customer service.
YMA Financial does not use AI to make automated legal, lending, employment, insurance, or consumer credit decisions on your behalf.
Information submitted through our website, forms, email, portals, or other communication channels may be processed through technology platforms operated by trusted service providers acting on our behalf.
3. How We Use Your Information
We may use information for legitimate business purposes, including to:
- Provide requested services
- Conduct consultations
- Respond to inquiries
- Verify identity
- Process payments
- Maintain customer accounts
- Communicate regarding services
- Deliver educational information
- Provide customer support
- Improve customer experience
- Personalize communications
- Prevent fraud and unauthorized activity
- Maintain security
- Comply with legal obligations
- Enforce agreements
- Protect our legal rights
- Improve business operations
- Support AI-assisted customer service and workflow automation
- Evaluate service quality and customer satisfaction
We may also use aggregated or de-identified information for reporting, analysis, service improvements, product development, and operational planning.
4. Electronic Communications and SMS Messaging
When you voluntarily provide your contact information, you may receive communications relating to your inquiry, consultation, account, or requested services.
Communications may include:
- Telephone calls
- Emails
- SMS/text messages
- Appointment reminders
- Service updates
- Account notifications
- Educational communications
- Customer-support communications
SMS Communications
By providing your mobile telephone number and separately opting in to receive SMS messages, you authorize YMA Financial to send text messages regarding your inquiry, consultation, appointments, account, requested services, customer support, service notifications, educational communications, and, where separately authorized, promotional or marketing communications.
Message frequency may vary depending upon your interactions with YMA Financial and the services you request.
Message and data rates may apply.
Consent to receive SMS messages is not a condition of purchasing any product or service from YMA Financial.
You may opt out of SMS communications at any time by replying STOP.
For assistance, reply HELP or contact YMA Financial using the contact information provided in this Privacy Policy.
Marketing text messages will only be sent where permitted by applicable law and with any consent required by law.
SMS Privacy Notice
We do not sell or share your SMS opt-in data or personal information with third parties for marketing purposes.
YMA Financial does not sell, rent, transfer, exchange, or share mobile telephone numbers or SMS opt-in consent with third parties, affiliates, or lead generators for their own marketing or promotional purposes.
SMS opt-in consent is specific to YMA Financial and is not transferable to another business or affiliate.
Mobile information and SMS consent information may be provided to service providers acting on our behalf when reasonably necessary to facilitate SMS delivery, customer relationship management, automation, customer support, or related operational services. Such providers are expected to use the information only to perform services for YMA Financial and not for their own marketing or promotional purposes.
5. Cookies and Website Technologies
YMA Financial may use cookies and similar technologies to improve website functionality and user experience.
These technologies may help us:
- Remember visitor preferences
- Improve website performance
- Analyze website traffic
- Measure advertising effectiveness
- Maintain website security
- Diagnose technical issues
- Improve navigation
- Understand visitor behavior
Most internet browsers allow users to disable cookies, although certain website functionality may be affected.
6. How We Share Your Information
YMA Financial does not sell personal information to third parties for monetary compensation.
We may disclose personal information when reasonably necessary to provide requested services, operate our business, comply with legal obligations, prevent fraud, or protect our legal rights.
Depending upon the services requested, information may be provided to trusted service providers such as:
- Payment processors
- Financial service providers
- Credit monitoring providers you authorize
- Identity verification providers
- Secure cloud-hosting providers
- Customer relationship management platforms
- Communication platforms
- Document-management providers
- Technology and software providers
- AI service providers acting on our behalf
- Professional advisors, including attorneys, accountants, auditors, and consultants
- Government agencies, courts, regulatory authorities, or law enforcement when required or permitted by law
These providers are expected to use information only for the services they perform for YMA Financial or as otherwise permitted by law.
The provisions above do not permit the sharing of SMS opt-in data or mobile information with third parties or affiliates for their own marketing or promotional purposes.
7. Client Portals and Technology Platforms
YMA Financial may provide access to online tools, portals, forms, document-upload systems, scheduling tools, messaging platforms, applications, or other technologies.
Information submitted through these systems may include personal information, financial information, uploaded documents, account information, service requests, electronic signatures, payment information, or communications.
Access to certain systems may require authentication or identity verification.
You are responsible for protecting your login credentials and promptly notifying YMA Financial if you believe your account has been accessed without authorization.
8. Artificial Intelligence Service Providers
YMA Financial may utilize third-party providers offering AI, automation, natural-language processing, document analysis, workflow automation, scheduling, and communication technologies.
These technologies may assist with organizing information, drafting communications, summarizing conversations, responding to general inquiries, routing requests, improving operational efficiency, and providing educational resources.
YMA Financial does not knowingly use customer information to train publicly available AI models unless specifically disclosed and authorized.
AI-generated information may occasionally contain inaccuracies or incomplete information. Customers should contact YMA Financial regarding important account-specific questions or decisions.
9. Identity Verification and Fraud Prevention
YMA Financial may verify your identity before providing certain services, releasing confidential information, or processing sensitive requests.
Verification methods may include requesting identification, date of birth, address verification, account verification, security questions, or other reasonable authentication measures.
We may delay, suspend, or decline services if we cannot reasonably verify identity or if fraudulent, deceptive, abusive, or unlawful activity is suspected.
10. Payment Information
Payments may be processed through secure third-party payment processors.
YMA Financial does not intentionally store complete payment-card information on its public website servers.
Where recurring payment authorization is provided, payment information may be securely maintained by authorized payment processors in accordance with applicable payment-security standards.
11. Data Security
YMA Financial maintains reasonable administrative, technical, and physical safeguards designed to protect personal information against unauthorized access, disclosure, misuse, alteration, or destruction.
Safeguards may include encryption, access controls, password protection, multi-factor authentication where available, employee-access limitations, monitoring, vendor reviews, and identity-verification procedures.
No Internet transmission or electronic storage system can be guaranteed to be completely secure.
If a security incident affecting personal information occurs, YMA Financial will respond in accordance with applicable law.
12. Third-Party Websites and Services
Our website may contain links to third-party websites, applications, products, or services.
YMA Financial does not control those third parties and is not responsible for their privacy practices, security, content, or availability.
Your interactions with third-party services are governed by their respective policies and terms.
13. Data Retention
YMA Financial retains personal information for as long as reasonably necessary to provide requested services, maintain business records, comply with legal and regulatory obligations, resolve disputes, prevent fraud, enforce agreements, and protect legitimate business interests.
When information is no longer required, we may securely delete, destroy, anonymize, or otherwise dispose of it in accordance with applicable law and our record-retention practices.
14. Your Privacy Choices
Subject to applicable law, you may have rights to:
- Request access to personal information maintained about you
- Request correction of inaccurate information
- Request deletion where legally permitted
- Withdraw consent where processing depends upon consent
- Opt out of promotional or marketing communications
These rights may be limited where retention or processing is required or permitted by law.
15. Children’s Privacy
YMA Financial’s website and services are intended for individuals who are at least 18 years of age or otherwise legally authorized to enter into agreements.
We do not knowingly collect personal information from children under 13 without appropriate authorization.
16. Compliance With Applicable Laws
YMA Financial may use or disclose information where reasonably necessary or permitted to comply with applicable law, lawful governmental requests, court orders, regulatory obligations, prevent fraud, protect individuals or property, enforce agreements, or protect our systems and legal rights.
17. Business Transfers
If YMA Financial undergoes a merger, acquisition, reorganization, financing transaction, sale of assets, or similar business transfer, personal information may be transferred as part of that transaction subject to applicable law.
18. Changes to This Privacy Policy
YMA Financial may update this Privacy Policy to reflect changes in business practices, technologies, services, or legal requirements.
The revised policy will be posted on this page with an updated Effective Date.
19. Contact Us
If you have questions about this Privacy Policy or YMA Financial’s privacy practices, please contact:
YMA Financial
Website: www.ymafinancial.com
Address: 101 South Church St. Floor 3 Spartanburg, SC 29306
Phone: 619-419-7843
Email: info@ymafinancial.com