WEBSITE TERMS OF USE

Effective Date: September 15, 2025

These Website Terms of Use (“Terms”) apply to your use of the yacenter.org website offered by the Young Americans Center for Financial Education (“Center” “we” “us” “our”) and any other websites or pages linking to these Terms (each, a “Site”). These Terms do not apply offline and do not alter the terms of any other agreement that you may have with us or our affiliates. By accessing or using the Site, you agree to be bound by these Terms. We may change these Terms from time to time without prior notice. By using a Site following any changes to these Terms, you agree to be bound by any such changes.

1.Use of Site Content. The Site helps inform parents and legal guardians around financial literacy resources for children and young people. The Site may be used only for a Site visitor’s or user’s personal, internal business or information purposes of a non-commercial nature. You may display and, subject to any expressly stated restrictions or limitations relating to specific material on a Site, electronically copy, download onto your personal computer, mobile device or other technology used to access the Site, and print single hard copy portions of the material from a Site solely for your own internal, noncommercial, lawful use. If you make other use of a Site (including unauthorized copying), except as otherwise provided above, you may violate copyright and other laws of the United States, other countries, as well as applicable state laws and may be subject to liability for such unauthorized use.

You may not (a) decompile, disassemble or reverse engineer any Site or any portion thereof (including systems and software used to operate the Site), or (b) attempt to gain unauthorized access to any Site, any portion thereof or any other computer systems or social media or mobile platforms through any Site. You agree that you will not use any Site in any manner that could violate applicable laws or damage, disable, overburden, or impair the Site or interfere with any other party’s use and enjoyment of the Site. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through any Site.

Use of any of our Sites made available through a third-party social sharing platform is also subject to the platform’s applicable terms and conditions.

2.Unsolicited Submissions. Any information, remarks, suggestions, ideas, images or material you submit to us regarding a Site, or your use of or experience with a Site in any manner, written or oral or digital, or otherwise (“Unsolicited Submission”), is non-confidential, and you agree that we may elect to use it or not use it as we determine without any compensation or notice to you.

3.Intellectual Property. We and our licensors own all right, title and interest in and to the Site, all of its the text, content, graphics, interfaces, code and materials, the look and feel, selection and arrangement, design and organization of the Site, and the compilation of the content, code, data and materials on the Site, including but not limited to all intellectual property and proprietary rights therein. Your use of a Site does not grant to you ownership in or rights to of any of the foregoing. The Site is copyrighted as our collective work under the United States’ and other copyright laws and is our property. The collective work may include works that are licensed to us. Unless otherwise indicated on a Site, displayed trademarks, corporate logos, services marks, trade names and emblems (collectively, the “Marks”) are ours. We do not grant any license or other authorization to use our name or the Marks except through a separate written license agreement. Any third-party trademarks on the Site are only referenced for information and belong to their owners.

4.Linking. The Site may contain links to other third-party websites (not operated by us), which may be of interest to you. We are not responsible for the content of any third-party websites. Your use of any other linked website is at your own risk, and you should be aware that, unless otherwise indicated, these Terms no longer govern. Please be mindful of this as you link to other outside websites. You should review the applicable terms and policies, including privacy and data gathering practices, of any outside website to which you navigate. Our linking to a third-party website is not an endorsement of the website, its content or operator.

5.Privacy Policy. Along with these Terms, please read our Privacy Policy and refer to it before you submit any personal information to a Site. The Privacy Policy is hereby incorporated and made part of these Terms.

6.Disclaimer. Use of the Site as at your own risk. THE SITE, INCLUDING, WITHOUT LIMITATION, THE MATERIALS, INFORMATION, CONTENT, FUNCTIONS, SERVICES, PRODUCTS, TEXT, GRAPHICS, AND LINKS THEREON AND THEREIN, ARE EACH PROVIDED “AS IS” AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. We use reasonable care to manage the Site content, but we do not guarantee uninterrupted Site access or that any errors or typos on a Site will come to our attention or be corrected. We do reserve the right to correct any errors in connection with a Site at any time but are not required to do so. We do not promise the Site or our offerings will be useful to you or your children. If you are dissatisfied with a Site, your remedy is to discontinue its use. To the extent permitted by applicable law, we shall not be liable to you for any damages in connection with anyone’s use or misuse of the Site. In no event will our total aggregate liability for any damages in connection with use or misuse of the Site exceed $10. We reserve all of our legal rights to enforce against misuse of the Site or infringing content.

7.U.S.-Based Site. The Site is operated out of the United States and our offerings on a Site are intended for U.S. users in the Colorado area. The Site may not be available to users outside of this country, who, if they access the Site, do so at their own initiative and are responsible for compliance with applicable local laws. You may not use or export any materials on any Site in violation of United States’ or any other jurisdiction’s export, re-export, or import laws and regulations.

8.Donations. The Young Americans Center for Financial Education has 501(c)(3) nonprofit status. Our tax ID is 84-1564926. Sometimes we get asked for financial services. We are an education entity and not a bank; we do not provide banking services. All donations made to us online via the Site are tax deductible to the fullest extent permitted by law. A receipt will be provided via mail and will indicate whether goods or services were rendered as part of the donation. More giving information is available at Donate - Young Americans Center. If you have tax questions, please ask your tax adviser.

9.Miscellaneous. These Terms are governed by the laws of the State of Colorado, United States, without regard to its conflict of law provisions and each party shall submit to the personal and exclusive jurisdiction of the federal and state courts in Denver, Colorado. Our failure to insist upon or enforce strict performance of any provision of these Terms shall not be construed as a waiver of any provision or right. Neither the course of conduct between you and us nor trade practice shall act to modify any of these Terms. We may assign or delegate our rights and duties under these Terms to any party at any time without notice to you.

10.Contact Us. If you have any questions about these Terms, please feel free to contact us at LMS-Support@yacenter.org.