Privacy Policy Notice

DIWY LLC
Doing business as
DIWY Financial Planning, DIWYFP and Do-It-With-You Financial Planning

This Privacy Policy Notice is designed to comply with applicable federal and state privacy regulations, including SEC Regulation S-P, and is intended to describe how DIWY Financial Planning collects, uses, and protects nonpublic personal information of clients and prospective clients. This notice may be delivered in conjunction with Form ADV Part 2A and is designed to be consistent with those disclosures.

Protecting the privacy and security of personal information is a fundamental responsibility. This notice describes how information is collected, the categories of information collected, the categories of parties to whom information may be disclosed, and the safeguards maintained to protect such information. Where applicable, additional privacy rights may be available under state law.

How Information Is Collected

Customer Information is collected through direct interactions with clients and through third-party sources as necessary to provide advisory services. Information may be obtained through written, electronic, or verbal communications, account documentation, and service-related interactions.

Categories of Information Collected

Nonpublic personal information ("Customer Information") may be collected from the following sources:

• Information provided by clients on applications, questionnaires, or other forms. This may include personal and household information such as income, spending habits, investment objectives, financial goals, account statements, and other records concerning financial condition and assets, as well as information related to employee benefits, retirement plan interests, wills, trusts, mortgages, and tax returns.
• Identifying information such as name, age, address, telephone number, email address, social security number, and similar data.
• Information about transactions with DIWY Financial Planning, affiliates, or others (such as broker-dealers, custodians, clearing firms, or other selected investment sponsors).
• Information received from consumer reporting agencies (such as credit bureaus), as well as other materials used to develop appropriate recommendations or fulfill service requests.

Categories of Information Disclosed

Customer Information may be disclosed to nonaffiliated third parties only as permitted by law. Such disclosures may include:

• Service providers and vendors necessary to effect transactions or provide authorized services (such as custodians, broker-dealers, independent managers, and technology providers).
• Professional advisors and consultants, including attorneys, accountants, and auditors.
• Regulatory authorities and governmental agencies as required or permitted by law.
• Other parties as necessary to carry out the client relationship and as otherwise permitted under Regulation S-P.

Customer Information is not disclosed to nonaffiliated third parties for marketing purposes outside of permitted exceptions.

Disclosure to affiliated entities, if any, is conducted in accordance with applicable laws and regulations.

Opt-Out Rights

Federal law provides clients with the right to limit certain disclosures of nonpublic personal information to nonaffiliated third parties. However, DIWY Financial Planning does not disclose Customer Information to nonaffiliated third parties except as permitted by law, including for servicing, processing transactions, or maintaining accounts. Because such disclosures fall within regulatory exceptions, no opt-out right applies to these disclosures.

If disclosure practices change in a manner that would require an opt-out right, clients will be provided with the opportunity to exercise such rights in accordance with applicable law.

Confidentiality and Security

Access to Customer Information is restricted to personnel who require such information to provide advisory services or otherwise service client accounts. Physical, electronic, and procedural safeguards are maintained that comply with applicable federal and state standards designed to protect the confidentiality and security of Customer Information.

These safeguards include administrative controls, technical protections, and secure record retention practices.

Former Clients

If a client relationship becomes inactive, Customer Information will continue to be protected in accordance with this Privacy Policy Notice and applicable regulations.

Changes to This Privacy Policy

Material changes to this Privacy Policy Notice will be communicated in writing. Where required by law, clients will be provided with the opportunity to limit or opt out of certain disclosure arrangements.

ADV Cross-Reference

Additional information regarding business practices, services, and conflicts of interest is available in Form ADV Part 2A. This Privacy Policy Notice should be read in conjunction with those disclosures.

Questions

Questions regarding this Privacy Policy Notice or the handling of Customer Information may be directed to DIWY Financial Planning at cco@diwyfp.com.