Daughter found herself


I feel weird posting this. What do you do when your daughter has found herself. I know boys are always playing with their parts but this is my first kid so I don’t know what I’m doing. She was in the bathtub and during diaper changes she also explores. What do I say when she touches herself? I just said “be gentle” when she was in the tub but my husband has been telling her “no”. I don’t want her to be scared or think it’s wrong/hinder potty training if she thinks it’s wrong to touch down there. How do I stop this at the wrong times but allow it at the right times, like wiping?