Tributaries Financial Planning LLC

Website Privacy Notice

Last updated: June 19, 2026

This Website Privacy Notice explains how Tributaries Financial Planning LLC (“Tributaries Financial Planning,” “we,” “us,” or “our”) collects, uses, stores, and shares information when you visit our website, subscribe to content, or submit information through our Site. By using the Site, you agree to the practices described in this notice.

This notice covers information collected through our website. It is separate from the privacy policy that governs nonpublic personal financial information of our advisory clients, which is provided separately under applicable federal and state privacy regulations and our advisory agreement. If you are an advisory client, both documents may apply to you.

Contact: Email Ben Liff

1. Scope of This Notice

This notice applies when you:

• • Visit our website
  • Subscribe to newsletters or email updates
  • Submit an inquiry, intake form, or scheduling request
  • Register for or attend webinars or events
  • Communicate with us by email, forms, scheduling tools, or video platforms

2. Information We Collect

2.1 Information You Provide Directly
We collect information you voluntarily provide, which may include:

• Name, email address, phone number, and mailing address
• Information you submit through an intake form or inquiry, which may include details about your financial situation, goals, and household
• Scheduling and appointment information
• Communications you send to us

If you become an advisory client, additional information is collected and handled under our separate financial privacy policy and advisory agreement rather than this notice.

2.2 Information Collected Automatically
When you visit our website, we may automatically collect:

• IP address
• Browser and device type
• Operating system
• Date and time of access
• Pages viewed and referring URLs

This data is used for security, analytics, and site performance.

3. How We Use Your Information

We use information collected through the Site to:

• Respond to inquiries and scheduling requests
• Provide and improve our website and its content
• Deliver newsletters and educational updates you have requested
• Maintain security and prevent fraud
• Comply with legal and regulatory obligations

We do not use information submitted through the Site to provide individualized investment advice unless and until a written advisory agreement is in place. Tributaries Financial Planning may create and use aggregated or de-identified information, which does not identify you, for analytics and to improve the Site.

4. Cookies and Tracking Technologies

We use cookies and similar technologies to enable core website functionality, remember user preferences, and analyze site usage. You may control cookies through your browser settings or, where presented, through a cookie consent notice. Disabling cookies may affect certain site features. Some of these tools are provided by third parties that may collect information about your device and your activity on the Site. By continuing to use the Site, you consent to the use of these cookies and tracking technologies.

Do Not Track: Our website does not currently respond to browser Do Not Track (DNT) signals.

Third Parties and Cross-Site Tracking: Some third-party providers, including analytics providers, may collect information about your activity on our Site and, in some cases, across other websites over time. We do not control that collection, and it is governed by the privacy policies of those providers.

5. Sharing of Information

We do not sell personal information.

We may share information with trusted service providers who assist us in operating our website and services. These providers may include vendors for scheduling, email and newsletter delivery, website hosting and security, analytics, video conferencing, and payment processing. An up-to-date description of the categories of service providers we use is available on request. These providers process information only as needed to perform services for us and are subject to confidentiality obligations.

We may also disclose information if required by law or to protect our rights or safety.

If Tributaries Financial Planning is involved in a merger, sale, financing, or transfer of all or part of its business, information collected through the Site may be transferred as part of that transaction. Tributaries Financial Planning will require the recipient to honor this notice or will give you notice of any new privacy practices.

6. Use of AI-Assisted Tools

Tributaries Financial Planning uses artificial intelligence tools to support its operations, which may include drafting communications, reviewing documents, preparing notes, and developing planning materials. We select tools that offer appropriate data handling practices. The use of AI-assisted tools does not change how your information is protected under this notice or under our separate financial privacy policy. If you have questions about how these tools are used in connection with your information, please contact us.

7. Communications and Marketing

We may send administrative emails related to your inquiry or scheduling, as well as educational newsletters and updates you have requested. You may unsubscribe from non-essential emails at any time using the unsubscribe link provided. Communications related to an active advisory relationship are required.

8. Data Retention

We retain information collected through the Site only as long as necessary to respond to your inquiry, provide requested updates, meet legal obligations, and resolve disputes. Information that does not become part of an advisory relationship is retained for a reasonable period, generally no longer than 24 months and then deleted or anonymized. Information connected to an advisory relationship is retained under our recordkeeping obligations as a registered investment adviser. You may request deletion of website-submitted information at any time by contacting us, subject to those recordkeeping obligations.

9. Data Security

We use reasonable administrative, technical, and physical safeguards to protect information. However, no system can be guaranteed to be completely secure. In the event of a data breach affecting your information, we will notify affected individuals and relevant authorities without unreasonable delay and as required by applicable law.

10. Your Privacy Rights

Subject to applicable law, you may:

• Access the personal information we hold about you
• Correct inaccurate information
• Request deletion of information
• Restrict or object to certain processing
• Withdraw consent where processing is based on consent

California Residents: California law requires this notice to disclose the categories of personal information collected, the categories of outside parties that information is shared with, how the Site responds to Do Not Track signals, and whether outside parties may collect personal information about your online activity across other websites. Those disclosures appear in the sections of this notice on the information collected, cookies and tracking, and sharing of information.

Requests may be submitted by contacting us here. Tributaries Financial Planning may ask you to verify your identity before acting on a request, and may decline a request where the law allows or where it cannot confirm who you are.

11. Third-Party Websites

Our website may contain links to third-party websites. We are not responsible for the privacy practices of those sites.

12. Changes to This Notice

We may update this notice from time to time. The updated version will be posted on our website with a revised date. If we make material changes, we will make reasonable efforts to provide notice through the Site or by email.

13. Children’s Privacy

Our Site is meant for adults and is not directed to children under 13 years of age. We do not knowingly collect personal information from children under 13. If we learn that we have collected personal information from a child under 13, we will delete it as soon as we can. A parent or guardian who believes a child under 13 has provided personal information to us may contact us at the email address below, and we will remove it.

14. Contact Us

If you have questions or concerns about this notice or your information, contact us at:
Tributaries Financial Planning LLC
Email: Ben Liff