PRIVACY NOTICE REGARDING CLIENT PRIVACY AS REQUIRED BY REGULATION S-P & REGULATION S-AM

Maintaining the trust and confidence of our clients is a high priority. That is why we want you to understand how we protect your privacy when we collect and use information about you, and the steps that we take to safeguard that information. This notice is provided to you on behalf of Clear Creek Financial Management, LLC.

Information We Collect: In connection with providing investment products, financial advice, or other services, we obtain non-public personal information about you, including:

Information we receive from you on account applications, such as your address, date of birth, Social Security Number, occupation, financial goals, assets and income;
Information about your transactions with us, our affiliates, or others; and
Information received from credit or service bureaus or other third parties, such as your credit history or employment status.

Categories of Information We Disclose: We may only disclose information that we collect in accordance with this policy. Clear Creek Financial Management, LLC does not sell customer lists and will not sell your name to telemarketers.

Categories of Parties to Whom We Disclose: We will not disclose information regarding you or your account at Clear Creek Financial Management, LLC, except under the following circumstances:

To entities that perform services for us or function on our behalf, including financial service providers, such as a clearing broker-dealer, investment company, or insurance company;
To consumer reporting agencies,
To third parties who perform services or marketing on our behalf;
To your attorney, trustee or anyone else who represents you in a fiduciary capacity;
To our attorneys, accountants or auditors; and
To government entities or other third parties in response to subpoenas or other legal process as required by law or to comply with regulatory inquiries.

How We Use Information: Information may be used among companies that perform support services for us, such as data processors, technical systems consultants and programmers, or companies that help us market products and services to you for a number of purposes, such as:

To protect your accounts from unauthorized access or identity theft;
To process your requests such as securities purchases and sales;
To establish or maintain an account with an unaffiliated third party, such as a clearing broker-dealer providing services to you and/or Clear Creek Financial Management, LLC;
To service your accounts, such as by issuing checks and account statements;
To comply with Federal, State, and Self-Regulatory Organization requirements;
To keep you informed about financial services of interest to you.

Regulation S-AM: Under Regulation S-AM, a registered investment adviser is prohibited from using eligibility information that it receives from an affiliate to make a marketing solicitation unless: (1) the potential marketing use of that information has been clearly, conspicuously and concisely disclosed to the consumer; (2) the consumer has been provided a reasonable opportunity and a simple method to opt out of receiving the marketing solicitations; and (3) the consumer has not opted out. Clear Creek Financial Management, LLC does not receive information regarding marketing eligibility from affiliates to make solicitations.

Regulation S-ID: Regulation S-ID requires our firm to have an Identity Theft Protection Program (ITPP) that controls reasonably foreseeable risks to customers or to the safety and soundness of our firm from identity theft. We have developed an ITPP to adequately identify and detect potential red-flags to prevent and mitigate identity theft.

Our Security Policy: We restrict access to nonpublic personal information about you to those individuals who need to know that information to provide products or services to you and perform their respective duties. We maintain physical, electronic, and procedural security measures to safeguard confidential client information.

Text Messaging: We are committed to safeguarding the personal information collected for text message communications. We do not sell, rent, share, or disclose this information to third parties without prior consent or legal requirements. Any information shared with third parties is strictly to fulfill our obligations to you. We will never share personally identifiable information with third parties for marketing purposes.

If you’d like to stop receiving messages from us, simply reply with ‘STOP’ or ‘UNSUBSCRIBE’ to the number that sent you the message.

Closed or Inactive Accounts: If you decide to close your account(s) or become an inactive customer, our Privacy Policy will continue to apply to you.

Complaint Notification: Please direct complaints to: Joseph Gates at Clear Creek Financial Management, LLC, 9361 Bayshore Drive, NW, Silverdale, WA 98383; (360) 308-8239.

Changes to This Privacy Policy: If we make any substantial changes in the way we use or disseminate confidential information, we will notify you. If you have any questions concerning this Privacy Policy, please contact us at: Clear Creek Financial Management, LLC, 9361 Bayshore Drive, NW, Silverdale, WA 98383; (360) 308-8239.

SMS Privacy Policy

Data Collection and Use: We collect your phone number and consent status to provide you with SMS services. This information is used solely for the purpose of delivering text messages related to the campaign you have opted into.

Data Sharing: We will not share your opt-in to an SMS campaign with any third party for purposes unrelated to providing you with the services of that campaign. We may share your Personal Data, including your SMS opt-in or consent status, with third parties that help us provide our messaging services, including but not limited to platform providers, phone companies, and any other vendors who assist us in the delivery of text messages.

Data Protection: We are committed to protecting your personal information and have implemented appropriate technical and organizational measures to ensure its security.

User Rights: You have the right to access, correct, or delete your personal information. You can opt-out of receiving messages at any time by replying STOP.

Contact Information For any questions or concerns regarding your privacy, please contact us at office@treasurevalleplanning.com.

SMS Terms and Conditions

Program Description: By opting into our SMS program, you agree to receive text messages from Treasure Valley Financial Planning regarding financial planning service.

Message Frequency: Message frequency may vary. You will receive 1-2 messages per week.

Cost Disclosure: Standard message and data rates may apply. Please check with your mobile provider for details.

Opt-Out Instructions: You can opt-out of receiving messages at any time by replying STOP. For help, reply HELP.

Customer Care: For assistance, contact our customer care at office@treasurevalleyplanning.com.

Legal Disclaimers: By participating, you agree to our terms and conditions and privacy policy. We reserve the right to modify these terms at any time.

Links: For more information regarding the SMS Privacy Policy and Terms & Conditions please visit this LINK.