Effective Date: December 4, 2020

Your privacy is important to us.  T&B Planning (T&B Planning, we, us, or our) operates www.tbplanning.com (Website) and this Privacy Policy applies to visitors to the Website including our mobile-device enabled Website.

You may visit and/or use our Website only if you fully agree to this Privacy Policy and the Website Terms and Conditions.  By accessing and/or using our Website, you signify and affirm your informed consent to this Privacy Policy, including the collection and processing of personal information as set out in this policy.

We will not use or share your information with anyone except as described in this Privacy Policy.

Information Collection and Storage

We collect information from you when you register on our site, subscribe to our newsletter or fill out a form. When ordering or registering on our site, as appropriate, you may be asked to enter your: name, title, employer identification, e-mail address, mailing address or phone number. You may, however, visit our site anonymously. If you contact us directly via phone or email, you may also provide us with personal information that we collect.

Additional Information We Collect

From time to time, we may acquire additional information about our clients from third parties, such as social sharing applications.  We may incorporate this additional information with the existing information we collect about our customers.

Where and How we Process and Store Data

T&B Planning uses administrative, technical and physical security measures to help protect your personal information.  And while we have taken reasonable measures to protect your information, please be aware that despite our efforts no security measures are perfect or impenetrable and no data transmission method can be guaranteed against an unauthorized intrusion.  Any information disclosed online is vulnerable to intrusion or misuse and as a result we cannot guarantee the complete security of your personal information. We process and store data in the United States and in other locations for back-up and recovery purposes.  If you live outside of the United States, you understand and agree that we may transfer your information, including personal information, within the United States.  Our Website is subject to U.S. laws, which may not afford the same level of protection as those in your country.

How We Use the Information About You

We use the information we obtain from or concerning you or your computer or device to provide T&B Planning services, improve our products and services, personalize and tailor your experience on the Website, operate our business, improve our website, and understand how users are engaging with us.

T&B Planning relies on third party vendors and service providers to provide support and assistance for its products, services and other operations, and we may disclose your information (including personal information) to these service providers to the extent necessary to support our services or operations.

What About “Cookies?”

A “cookie” is a piece of data stored on the user’s hard drive, containing information about the user.  Cookies can help us provide information which is targeted to Your interests. Cookies are stored on your hard drive, not on our Website. Most cookies are “session cookies,” meaning that they are automatically deleted at the end of a session. 

We use cookies to compile aggregate data about site traffic and site interaction so that we can offer better site experiences and tools in the future. We may contract with third-party service providers to assist us in better understanding our site visitors. These service providers are not permitted to use the information collected on our behalf except to help us conduct and improve our business. We may also use web beacons or pixel tags to compile tracking information related to our email marketing. 

We also may use cookies to serve ads based upon a user’s prior visit to our website using Google Remarketing. This allows third party vendors including Google to show advertisements of our products and services on the internet. You may opt out of Google’s use of cookies by visiting Google’s advertising opt out page at: http://www.google.com/policies/privacy/ads/

You may choose not to accept cookies by setting Your browser to refuse all cookies or to notify you each time a cookie is set.  If You choose to refuse cookies, however, you may not be able to use all features of Our site.

Disclosure of Information to Outside Parties

We do not sell, trade, or otherwise transfer to outside parties your personally identifiable information. This does not include trusted third parties who assist us in operating our website, conducting our business, or servicing you, so long as those parties agree to keep this information confidential. We may also release your information when we believe release is appropriate to comply with the law, enforce our site policies, or protect ours or others rights, property, or safety. However, non-personally identifiable visitor information may be provided to other parties for marketing, advertising, or other uses.

A Note to Parents and Children 13 and Younger

T&B Planning recognizes the importance of protecting the privacy of children.  We support and comply with the Children’s Online Privacy Protection Act (“COPPA”) and other laws.  Our Website is not intended for children under the age of 18. We ask that those 18 years of age or less, not use the Website.  No personally identifiable information is purposefully or knowingly collected from children under the age of 18 by us without parental consent.  We expect all information provided by online users to be truthful and correct regarding age and other information provided.

Social Media Sharing

The Website may offer social sharing features or other integrated tools, which let you share actions you take via the Website with other media, and vice versa.  The use of such features enables the sharing of information with your friends or the public, depending on the settings you establish with the third party that provides the social sharing feature.  The fact that we link to or provide integrated tools for sharing with social media sites is not an endorsement, authorization or representation of our affiliation with that social media site, nor is it an endorsement of their privacy or information security policies or practices. The collection or processing of your information as a result of any social sharing is governed by the agreements and privacy policies of such other social platform, not us, and you should review and approve your information, rights and preferences with such other platform(s).

Third Party Links

Occasionally, at our discretion, we may include or offer third party products or services on our website. These third party sites have separate and independent privacy policies. We therefore have no responsibility or liability for the content and activities of these linked sites. Nonetheless, we seek to protect the integrity of our site and welcome any feedback about these sites.

Online Privacy Policy Only

This online privacy policy applies only to information collected through our website and not to information collected offline.

Terms and Conditions

Please also visit our Terms and Conditions section establishing the use, disclaimers, and limitations of liability governing the use of our website at www.tbplanning.com

How You May Review or Request Changes to Your Information

We will take reasonable steps to ensure that all information that we collect is maintained by us in the same form as submitted to us, so that it is accurate, complete, current and reliable for its intended purposes. You may request a copy of all information that we control, and send updates, corrections and requests to remove your personal information and, subject to legal or regulatory requirements, we will make reasonable efforts to incorporate the changes to your information that we hold as soon as practicable.  You may cancel or modify any communications that you have elected to receive, such as e-mails, newsletters, etc.  We will retain your personal information only for as long as it is necessary for the purposes identified in this Privacy Policy.  Any requests in this paragraph may be made via (i) email to , (ii) (for email marketing communications) the unsubscribe link in any such communication, or (iii) via pre-paid postage to:

T&B Planning, Inc.

3200 El Camino Real, Suite 100

Irvine, CA 92602

Shine The Light

California Civil Code Section 1798.83, also known as the “Shine The Light” law, permits our users who are California residents to request and obtain from T&B Planning once a year, free of charge, information about their personally identifiable information (if any) that we disclosed to third parties for direct marketing purposes in the preceding calendar year, if at all.  If applicable, this information would include a list of the categories of personal information that was shared and the names and addresses of all third parties with which we shared such information in the immediately preceding calendar year.  If you are a California resident and would like to make such a request, please submit your request in writing to:

T&B Planning, Inc.

3200 El Camino Real, Suite 100

Irvine, CA 92602

Please be aware that not all information sharing is covered by the “Shine the Light” requirements and only information on covered sharing will be included in our response.  Also note that under California law, businesses are only required to respond to a consumer request once during any calendar year.

Data Protection Laws

Our services are intended for use by individuals located in the United States.  If you are a user located outside of the United States, you understand and consent to having any information processed in the United States.  United States data protection and other relevant laws may not be the same as those in your jurisdiction.  This includes the use of cookies and other tracking technologies as described above. As a result, please read this Privacy Policy with care.

About the Privacy Policy and How We Will Notify You of Any Material Changes in The Privacy Policy

Our Privacy Policy may be accessed on the home page of the Website.  We reserve the right to modify the Privacy Policy at any time. If we make material changes to the Privacy Policy, we will notify you by means of a notice posted on the home page of the Website.

How to Contact Us for Information

If we need to contact you, we will do so by any available method, including by e-mail sent to the e-mail address provided by you.  You must notify us if you change your e-mail address or other contact information.

If You wish to contact Us for any further information, please send an e-mail to .