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Privacy Policy

We hope you enjoy your visit. In order to better serve your needs and enhance your overall experience we collect certain information about you when you visit us.

What Information Do We Collect and How Do We Use It?: 
When you visit our website, our server automatically recognizes your Internet Protocol address (IP address) or domain name. In order to enhance our website, we may track the way our visitors and customers are using the site. Personal information, such as your name and e-mail address, is not included in this analysis. Unless you provide it, we do not collect or know your name or e-mail address. We do not follow your browsing path outside of our website.

How We Protect Your Information: We employ the latest encryption and security technology and fraud detection techniques in all areas of website where you provide us with personal or account information. This is done to protect you from unauthorized use of the information you are sending to our server. To make sure you have the latest security features on your browser, download and install the latest version of your favorite browser. For privacy purposes, once you give us any information relating to you, it is stored on a highly secure server.

Use of Cookies: In addition, like most other e-commerce websites, our site uses “cookies” — small files placed temporarily in your Internet browser — to keep track of your stay at our website. The text in a cookie, by itself, only tells us that you have visited our site before. A cookie generated by our site contains no information about you and does not gather information from your computer about you. It contains only an alphanumeric ID.

Financial Information: When you fill out an application, request a brochure, sign up for our Online Newsletter or participate in a promotion or contest, we ask you to provide information including your name, postal address, e-mail address and, in the case of loan pre-qualification, social security number. Except to verify credit information to complete your loan, we do not use or release any credit or financial information for any purpose.

Marketing Initiatives: If you provide us with your postal address, e-mail address or telephone number, you may receive our brochure or other promotional mailings or e-mails. If you receive e-mail from us that you would rather not receive, simply send us an e-mail containing your exact e-mail address in the body text and the words “UNSUBSCRIBE REQUEST” in the subject line, at or follow the unsubscribe instructions set forth at the bottom of each e-mail. If you do not wish to receive our brochure or other promotional mailings, please write to us at the address set forth below.

No E-mail Sharing: 
We do not share e-mail names collected on our site for purposes of permitting other companies to market to you through e-mail. Providing us your e-mail address will not result in your receiving unsolicited commercial e-mail from any party. If you should ever receive e-mail from a party who claims that they received your e-mail address from us, then please contact us at 623-979-1111 so we can resolve the issue.

Direct Mail: 
If you provide us with your postal address, you may periodically receive mail from us detailing services that may be of interest to you.

Security: Loan Forms placed on our site are encrypted with SSL (Secure Socket Layers) technology. The Information you send via the Internet can be trusted to arrive privately and unaltered. Note that e-mail is not encrypted and is not considered a secure means of transmitting credit card numbers or social security numbers. Please keep in mind this is not the means by which your credit information is sent. If you are still concerned about applying electronically, there is a provision in the application sequence to alternatively place your application by phone, fax or mail.


You hereby release, and agree to indemnify and hold harmless YBCCO and its subsidiaries and their respective officers, directors, employees and agents from any and all claims, demands, causes of actions, liabilities, damages, costs and expenses, including reasonable attorneys’ fees, arising out of your use or viewing of and its content.

Links to other web sites: There are links on site that allow you to visit the sites of third parties. Neither these sites nor the companies to whom they belong are controlled by YBCCO. YBCCO makes no representations concerning the information provided or made available on such sites nor the quality or acceptability of the products or services offered by any persons or entities referenced in any such sites. YBCCO has not tested and makes no representations regarding the correctness, performance or quality of any software found at any such sites. You should research and assess the risks that may be involved in accessing and using any software on the Internet before using it.


You assume all responsibility for compliance with all laws and regulations of the United States and any other country from which You may access this or any other of our websites regarding access, use, export, re-export and import of any Content appearing on or available through our websites. You acknowledge and agree that You will not export or import any Content to any country to which export or import is restricted under United States law, that You are not a national of any such country, and that the Content will not be used in the design, development or production of nuclear, chemical or biological weapons.

Controlling Law and Severability: 

This Agreement and Your use of our website is governed by and construed in accordance with the laws of the United States and the State of Arizona, excluding its conflict of laws provisions. If for any reason a court of competent jurisdiction finds any provision of this Agreement, or a portion thereof, to be unenforceable, that provision shall be enforced to the maximum extent permissible. Any cause of action with respect to this website or this Agreement must be instituted within one year after the claim or cause of action has risen or be barred and must be brought in a court of competent jurisdiction within Maricopa County, Arizona. This Agreement may not be changed or modified without the written consent of YBCCO.

Your Consent: 

By using our website, you agree to be bound by the terms, conditions, policies and procedures set forth under this YBCCO Agreement AND you consent to the collection and use of this information by YBCCO, as described in this Agreement. If we change our Privacy Policy we will post any change on this page so that you always can be aware of our most current Privacy Policy.