What information do we collect?
Information you provide to us: We may collect any information when you register on our
website, or that you give us in any other way. When ordering or registering on our website,
as appropriate, you may be asked to enter your name, email address, mailing address,
phone number or credit card information. You can choose not to provide certain information,
but you may not be able to take advantage of our services and features. The information we
collect may include the type of computer and browser you are using, Uniform Resource
Locators (URL) used by you to access the Website, your Internet Protocol (IP) address,

your Machine Access Control (MAC) address, and what web service you are using. We
may also collect the date, time, and length of visit, and the pages you visit. Collecting this
information helps us design the site and the services to best suit your needs. This
information may be compiled and analyzed on both an individual and an aggregate basis.

Do we use cookies?
We employ the use of cookies. By using YKTRE website you consent to the use of cookies
in accordance with YKTRE privacy policy. Most of the modern day interactive websites use
cookies to enable us to retrieve user details for each visit. Cookies are used in some areas
of our site to enable the functionality of this area and ease of use for those people visiting.
Some of our affiliate/advertising partners may also use cookies.

How and when will the information be used?
The information we collect is used to (i) process transactions. Your information, whether
public or private, will not be sold, exchanged, transferred, or given to any other company for
any reason whatsoever without your consent, other than for the express purpose of keeping
a record on our database; (ii) The email address you provide for membership registration will
only be used to send you information regarding your membership, activities of the Society
and, occasionally, information from Society' sponsors that is relevant to research areas
specified in your profile; (iii) to be shared with the third party. Any information you provide for
membership registration on our website (including but not limited to: name, email address,
and phone number) might be shared with the third party. The third party includes, but is not
limited to YKTRE'S co-marketing lenders.

By providing us with your phone number, you consent to our using your phone number to
deliver or cause to be delivered to you at that phone number telemarketing calls (which may
use an automatic telephone dialing system) and artificial or prerecorded voice or text
messages. If you do not wish to receive such calls or messages, you may opt out. You
further consent to our sharing your phone number to our partners. You consent to our
partners using your phone number to deliver or cause to be delivered to you at that phone
number telemarketing calls (which may use an automatic telephone dialing system) and
artificial or prerecorded voice or text messages. You release us from any possible liability or
claim stemming from how our partners use your phone number, included but not limited to
claims arising from the Telephone Consumer Protection Act. You understand that you are
not required to provide this consent and authorization and that it is not a condition to quality
for a loan or to receive any good or service.

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How do we protect your information?
The privacy and protection of your information is important to us. We do not make any
personal information available to third parties without your permission, unless said
information is the subject of a valid subpoena or other court order. Your access to some
services and content may be password protected. We advise that you do not disclose your
password to anyone.

However, no data transmission over the Internet or any other wireless communication
method can be guaranteed to be totally secure. As a result, while we will make all
reasonable efforts to protect the privacy of your information during transmission, we make no
guarantees, representations, or warranties with respect to the privacy of such transmitted
information. Our obligations with respect to the security of your stored information are
governed by the Terms and Conditions. State laws may also apply impose obligations to
secure stored information.

Which methods do we use to protect your information?
We use security software to protect the confidentiality of your personal information. In
addition, our business practices are reviewed periodically for compliance with policies and
procedures governing the security and confidentiality of our information. Our business
practices limit employee access to confidential information, and limit the use and disclosure
of such information to authorized persons.

What about advertisements and linked sites?
This Privacy Policy covers information collected on this website and through our services
only. It does not apply to other sites you reach through links on our website. We encourage
you to read the privacy policies of those other websites to learn how they collect and use
information about you. If advertisements appear on this website, the advertisers may employ
cookies and other tracking technologies in connection with those advertisements. Your
accessing any of those advertisements from our webpage may cause your exposure to
those tracking technologies. Third party websites that you visit may use the cookies placed
by third party vendors for similar purposes. We have no responsibility for any such uses.s.
We have no responsibility for any such uses.

What about Children?
We are in compliance with the requirements of COPPA (Children Online Privacy Protection
Act); we do not collect any information from anyone under 13 years of age. Our website,
products and services are all directed to people who are at least 13 years old or older. If we
learn that we have mistakenly collected personal information from a child under age 13, we
will delete that information as soon as possible. If you believe that we might have information
from or about a child under age 13, please contact us via support@YKTRE.com.

California Consumer Privacy Policy Compliance
If you are a California resident, California law may provide you with additional rights
regarding our use of your personal information.

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Your Rights and Choices

Right to Know
Consumers have a right to know about personal information that is collected, used,
disclosed, or sold. Consumers have the right to request for YKTRE to disclose what personal
information they have collected, used, and disclosed in the past 12 months.

Sale of Personal Information
In the last 12 months, YKTRE has not sold any personal information. YKTRE does not sell
personal information.

Right to Request Deletion
Consumers have the right to not be discriminated against by exercising their consumer
privacy rights. We will not discriminate against Consumers for exercising any of their
California Privacy Rights.

Right to Non-Discrimination
Consumers have the right to not be discriminated against by exercising their consumer
privacy rights. We will not discriminate against Consumers for exercising any of their
California Privacy Rights.

To make a request for additional information regarding your rights under the CCPA, please
contact us by e-mail at support@yktre.com.

Consent
By using our website, you consent to our Privacy Policy.

Changes to Privacy Policy
If our Privacy Policy or procedures change, we will immediately post those changes to our
website. Any such changes will be effective immediately upon being posted, unless
otherwise stated in the change.

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