P.W.
Listen to Ina G. - she said it perfectly.
It's only a body part. My kids never had to ask this question, because by the time they were 4, they had seen me naked many times - we had taken showers and baths together, they were in the bathroom when I went pee, etc.
I still remember my 2 year old son sitting in front of me on the floor one time when I was going pee, and pointing to me and saying, "what's that?" I said, "it's mommy's vagina." He said, "ooh, yuk." LOL.
If you're too private for a 4 year old to see you - it's definitely time for a book.