Legal Documents & Disclosures

All documents provided below are in Adobe PDF format, and will open in most internet browsers.
If you have difficulty opening the files below, download acrobat reader from adobe.com.

General Documents:

	Income Disclosure Statement Updated 09/05/2025
	YOR Terms of Use Updated 03/18/2019
	YOR Privacy Policy Updated 03/18/2019

Select Customer (SC) Documents:

	SC Policies & Procedures Updated 03/18/2019
	SC Refund Policy Updated 03/18/2019

Independent Distributor Documents:

	Prohibited Representation Updated 03/18/2019
	Independent Distributor Disclosures Updated 09/05/2025
	Independent Distributor Terms and Conditions Updated 02/03/2020
	Independent Distributor Policies & Procedures Updated 07/16/2021
	Independent Distributor Refund Policy Updated 03/31/2021

* Note: All revision dates are disclosed at the bottom of each document.