Cherry Creek Financial Planning, LLC ("Cherry Creek Financial Planning," "we," "us," "our," or "the Firm") respects your privacy and is committed to protecting your personal information. This Privacy Policy describes the types of personal information we collect from and about you, how we use it, the limited circumstances in which we may share it, how we protect it, and your rights with respect to it.

This Privacy Policy is provided in accordance with Regulation S-P under the Gramm-Leach-Bliley Act, the Colorado Securities Act, and other applicable federal and state privacy laws. It applies to all clients of the Firm, including prospective clients who provide personal information in connection with a potential engagement.

Information We Collect

To provide financial planning and consulting services, we collect personal information from and about you. The categories of information we collect may include:

Information you provide directly

• Identifying information, such as your name, address, telephone number, email address, and date of birth. The Firm generally does not collect Social Security numbers or taxpayer identification numbers as part of its data collection, although such information may be incidentally provided by you as part of documents you share with us (such as tax returns or account statements).
• Financial information, such as income, assets, liabilities, investment holdings, retirement account balances, insurance coverage, and tax information.
• Family and household information, such as marital status, dependents, beneficiary designations, and family members involved in financial decisions.
• Goals and preferences, such as retirement plans, education funding goals, risk tolerance, values, and other planning objectives.
• Employment and benefits information, such as employer, occupation, compensation structure, equity compensation, and employee benefits.

Information from third parties

With your consent or at your direction, we may receive information about you from third parties, including your custodian, broker-dealer, or financial institution; your tax preparer, accountant, or attorney; your insurance agent or company; and other professionals you have engaged in connection with your financial planning.

Information from your use of our services

• Records of our communications with you, including emails, meeting notes, and call records.
• Records of recommendations we provide and your responses to those recommendations.
• Information you provide through our website, secure document portals, or other electronic communication methods.

How We Use Your Information

We use the personal information we collect to provide financial planning and consulting services to you; develop, deliver, and update your personalized financial plan; communicate with you about your plan and related matters; comply with our legal, regulatory, and recordkeeping obligations; protect against fraud, unauthorized access, and other risks; and improve our services.

We do not use your personal information for marketing purposes unrelated to our advisory services. We do not sell your personal information, and we do not rent or trade it to any third party for marketing purposes.

Categories of Information We May Share

We share your personal information only in the limited circumstances described below.

Service providers

We may share your personal information with third-party service providers that perform functions on our behalf, such as cloud storage and email providers, financial planning software providers, customer relationship management (CRM) software providers, compliance consultants and outside legal counsel, and information technology and cybersecurity service providers. Service providers are required by contract to maintain the confidentiality and security of your information and to use it only for the purposes for which it was provided.

At your direction

With your written consent or at your direction, we may share your personal information with other professionals working on your behalf, such as your tax preparer, accountant, attorney, or insurance agent.

Legal and regulatory disclosures

We may disclose your personal information as required by law, regulation, court order, subpoena, or examination by a regulatory authority. We may also disclose information when we believe in good faith that disclosure is necessary to protect our rights, the safety of others, or to comply with a legal process.

Successor in interest

If the Firm is acquired, merged, or transfers a substantial portion of its business to another entity, your personal information may be transferred to the acquiring or successor entity, subject to the privacy protections of this Policy and applicable law. Where required by law, your consent will be obtained before any such transfer becomes effective.

Information We Do Not Share

We do not share your personal information with non-affiliated third parties for marketing purposes. Specifically, we do not sell, rent, or trade your personal information to any third party; we do not share your information with marketing companies, advertisers, or data brokers; and we do not receive compensation, commissions, or referral fees from any third party for sharing your information.

The Firm has no affiliates that would receive your information. The Firm is a single-member limited liability company with no parent company, subsidiary, sister company, or other affiliated entity.

How We Protect Your Information

We maintain physical, electronic, and procedural safeguards designed to protect the confidentiality, integrity, and availability of your personal information. These safeguards include storing electronic information on encrypted systems and reputable cloud service providers with strong security controls; limiting access to personnel and service providers who need it; using strong passwords, multi-factor authentication, and access controls; maintaining a written information security program addressing technical, administrative, and physical safeguards; training personnel on privacy and security obligations; and maintaining incident response procedures to address any suspected unauthorized access to or disclosure of personal information.

Despite these safeguards, no system is completely secure. If you believe your personal information has been compromised or accessed without authorization, please contact us immediately using the contact information below.

Former Clients

If you cease to be a client of the Firm, we will continue to maintain the confidentiality of your personal information in accordance with this Privacy Policy and applicable law. We may retain your information for the period required by applicable recordkeeping requirements (generally five years under federal and Colorado rules) and as needed to address any legal, regulatory, or business matters that may arise. Our information-sharing practices for former clients are the same as for current clients.

Your Rights

You have the right to receive a copy of this Privacy Policy at the time you become a client and annually thereafter, and at any time upon request; to receive notice of any material changes before they take effect; to request reasonable corrections to inaccurate information we maintain about you; to withdraw consent for specific disclosures you previously authorized; and to contact us with any questions or concerns about how your information is handled.

Because we do not share your information with non-affiliated third parties for marketing purposes, no opt-out election is required to prevent such sharing. The Firm does not engage in the type of information sharing that would trigger an opt-out right under Regulation S-P.

Website & Online Privacy

This section describes information practices specific to this website, which are in addition to the practices described above.

Information collected automatically

When you visit this website, our hosting and content-delivery providers may automatically log standard technical information such as your IP address, browser type, device type, referring page, and the date and time of your visit. This information is used to operate, secure, and maintain the website.

Cookies and analytics

This website may use cookies or similar technologies and basic web analytics to understand general site usage and improve the visitor experience. You can control or disable cookies through your browser settings; doing so will not prevent you from using the site. We do not use this information to identify individual visitors for marketing purposes.

Contact form

If you submit our contact form, we collect the information you provide (such as your name and email address) solely to respond to your inquiry and discuss whether our services may be a fit. Please do not submit Social Security numbers, account numbers, or other sensitive financial information through the website contact form; we will arrange a secure method to exchange that information if you become a client.

Third-party hosting

This website and certain assets are hosted by reputable third-party infrastructure providers. Those providers process technical data only as needed to deliver the site and are not authorized to use it for their own marketing purposes.

Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, in applicable laws, or in our operations. We will provide you with a copy of any updated Privacy Policy that contains material changes before the changes take effect. The current version is available upon request and on this website.

Contact Information

If you have any questions, concerns, or requests regarding this Privacy Policy or our handling of your personal information, please contact us at: