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Yield & Spread is a Utah state non-profit 501(c)(3) organization, EIN: 86-2679720. Information concerning Yield & Spread including financial and charitable purposes may be obtained, without cost, by emailing us as


The information contained in the Yield & Spread website, course materials and all other related content is provided for informational and educational purposes only. It is not intended to substitute for obtaining accounting, tax, or financial advice, and may not be suitable for every individual. Yield & Spread is not a registered investment, legal or tax advisor or a broker/dealer.


The information contained in the Yield & Spread website, course materials, and all other related content is proprietary and may not be used, published, redistributed, or repurposed without the prior written consent of Yield & Spread.


Yield & Spread is not responsible for the contents of any linked sites to its coursework or website. The inclusion of any link does not imply endorsement by Yield & Spread of the site. Use of any such linked web site is at the user’s own risk.


The materials appearing on Yield & Spread's website and within its course materials could include technical, typographical, or photographic errors. Yield & Spread does not warrant that any of these materials are accurate, complete, or current. Yield & Spread may make changes to the materials contained on its website or within its courses at any time without notice. Yield & Spread does not, however, make any commitment to update the materials.

Privacy Policy

Your privacy is very important to us. Accordingly, we have developed this policy in order for you to understand how we collect, use, communicate, disclose and make use of personal information. The following outlines our privacy policy.

  • Before or at the time of collecting personal information, we will identify the purposes for which information is being collected.

  • We will collect and use of personal information solely with the objective of fulfilling those purposes specified by us and for other compatible purposes, unless we obtain the consent of the individual concerned or as required by law.

  • We will only retain personal information as long as necessary for the fulfillment of those purposes.

  • We will collect personal information by lawful and fair means and, where appropriate, with the knowledge or consent of the individual concerned.

  • Personal data should be relevant to the purposes for which it is to be used, and, to the extent necessary for those purposes, should be accurate, complete, and up-to-date.

  • We will protect personal information by reasonable security safeguards against loss or theft, as well as unauthorized access, disclosure, copying, use or modification.

  • We will make readily available to students information about our policies and practices relating to the management of personal information.

We value our own privacy and that of our users. Our intention and policy is never to release any personally identifying information to any outside organization, except in the event of the sale of our business to another party. We never share, rent, or sell email addresses or other specific, personal information about our users.

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