Effective Date: September 30, 2026
Welcome to the YMA Financial website (“Website”). These Terms of Use (“Terms”) govern your access to and use of the Website and online services, tools, forms, portals, applications, and other digital resources provided by YMA Financial (“YMA Financial,” “we,” “our,” or “us”).
By accessing or using our Website or services, you acknowledge that you have read, understand, and agree to these Terms. If you do not agree, you should discontinue use of the Website.
Eligibility
You must be at least eighteen (18) years old or otherwise legally authorized to enter into binding agreements to use this Website or request services.
Purpose of the Website
The Website may be used to:
- Provide information regarding YMA Financial and its services
- Allow visitors to contact our team or request consultations
- Provide financial education and related resources
- Provide access to customer resources and online tools
- Facilitate services requested by customers
Use of the Website alone does not establish a client relationship or guarantee acceptance into any service or program.
No Guarantee of Results
Every person’s financial circumstances are different.
YMA Financial does not guarantee any particular financial outcome, including approval for financing or credit, particular credit scores, interest rates, credit limits, business funding, investment results, loan approvals, or other financial results.
Past experiences or customer testimonials do not guarantee future results.
Educational Information
Information provided through the Website is intended for general educational and informational purposes unless expressly stated otherwise in a separate written agreement.
Website content should not be interpreted as legal, tax, accounting, investment, lending, or other professional advice.
Individuals should consult appropriate qualified professionals regarding their circumstances.
AI-Assisted Services
YMA Financial may utilize AI, automation, and other technologies to improve customer service, scheduling, educational resources, communications, workflow efficiency, and internal operations.
AI-assisted features support and do not replace professional judgment.
AI-generated content may contain errors or incomplete information. Customers should contact YMA Financial regarding important account-specific questions or decisions.
YMA Financial may modify, suspend, or discontinue AI-powered features.
Customer Responsibilities
When requesting services, you agree to:
- Provide accurate and truthful information
- Promptly notify us of material changes
- Provide documents reasonably required to perform requested services
- Protect account and portal credentials
- Use our Website and services lawfully
- Refrain from providing fraudulent, misleading, or unauthorized information
Acceptable Use
You may not use the Website to violate applicable law, gain unauthorized access to systems, distribute malicious software, interfere with website operations, impersonate another person, scrape protected content without authorization, or otherwise misuse YMA Financial’s systems or services.
Electronic Communications
By providing your contact information, you may receive communications relating to your inquiry, consultation, account, or requested services through methods permitted by applicable law, including email, telephone, SMS/text message, secure messaging, or portal notifications.
Your consent to receive communications does not waive rights provided under applicable consumer-protection laws.
SMS/Text Messaging Terms
By voluntarily providing your mobile telephone number and separately opting in to receive text messages, you consent to receive SMS communications from YMA Financial 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 based 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.
You may opt out of SMS communications at any time by replying STOP.
For assistance, reply HELP or contact YMA Financial at 864-249-1439 or info@ymafinancial.com
Carriers are not liable for any delayed or undelivered messages.
SMS opt-in consent is specific to YMA Financial and will not be sold, rented, transferred, exchanged, or shared with third parties or affiliates for their own marketing or promotional purposes.
For information regarding how YMA Financial collects, uses, shares, and safeguards personal information and mobile/SMS data, please review our Privacy Policy.
Kaycee should make “Privacy Policy” above a direct hyperlink to YMA Financial’s newly published Privacy Policy.
These provisions reflect the messaging elements Twilio currently identifies for registration review. Twilio Help
Intellectual Property
Website content, including text, graphics, logos, branding, images, videos, software, documents, educational materials, website design, and other proprietary content, is owned by or licensed to YMA Financial and is protected by applicable intellectual-property laws.
Content may not be reproduced, modified, distributed, or commercially exploited without authorization.
Third-Party Services
The Website may contain links to third-party products, websites, or services.
YMA Financial does not control those third parties and is not responsible for their content, security, availability, privacy practices, or terms.
Payments
If you purchase services from YMA Financial, you agree to pay applicable fees according to the applicable service agreement.
Payment processing may be performed by third-party payment providers.
Pricing, payment schedules, cancellations, refunds, and other service-specific terms are governed by the applicable agreement.
Disclaimer of Warranties
The Website and its content are provided on an “as is” and “as available” basis.
To the extent permitted by applicable law, YMA Financial disclaims warranties regarding merchantability, fitness for a particular purpose, accuracy, uninterrupted availability, and non-infringement.
Limitation of Liability
To the fullest extent permitted by applicable law, YMA Financial and its owners, officers, employees, contractors, affiliates, and representatives will not be liable for indirect, incidental, consequential, special, exemplary, or punitive damages arising from or relating to use of the Website, inability to access it, reliance on Website information, AI-generated information, third-party services, Internet interruptions, or cybersecurity incidents beyond our reasonable control.
Nothing in these Terms limits liability where limitation is prohibited by law.
Indemnification
You agree, to the extent permitted by law, to indemnify and hold harmless YMA Financial and its owners, officers, employees, contractors, affiliates, successors, and agents from claims, losses, damages, liabilities, costs, or expenses resulting from your violation of these Terms, misuse of the Website, violation of applicable law, or infringement of another person’s rights.
Suspension or Termination
YMA Financial may suspend, restrict, or terminate access to its Website or online services if we reasonably believe a user has violated these Terms, engaged in fraudulent or unlawful activity, or created a material risk to our systems, customers, or business.
Governing Law
These Terms are governed by the laws of the State of South Carolina, without regard to conflict-of-law principles.
Any legal proceeding relating to these Terms or use of the Website shall be brought in a court of competent jurisdiction as permitted or required by applicable law.
Changes to These Terms
YMA Financial may update these Terms to reflect changes in services, technology, legal requirements, or business practices.
Updated Terms become effective when posted with a revised Effective Date.
Contact Information
Questions concerning these Terms may be directed to:
YMA Financial
Website: www.ymafinancial.com
Address: 101 South Church St. Floor 3 Spartanburg, SC 29306
Phone: 864-249-1439
Email: info@ymafinancial.com