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Empirical Financial Services, LLC dba Empirical Wealth Management is a registered investment adviser with the Securities and Exchange Commission (“SEC”) under the investment Adviser Act of 1940. The SEC requires registered investment advisers to disclose how we treat nonpublic information.
This Privacy Notice (“Notice”) describes how Empirical Wealth Management and its affiliates and related entities (collectively, “Empirical,” “we,” “us,” or “our”) collect use, disclose, and retain personal information about individuals who interact with us directly (clients, former clients and prospects) and via each website, mobile application, and other online platforms that link to this Policy (collectively, the “Site”) and the services available through our Site (collectively, the “Services”). This Policy also describes the rights you may have regarding our processing of your personal information under applicable local law.
We do not disclose any information, including but not limited to, nonpublic information about our clients or former clients to anyone, except as required by law (such as to respond to a subpoena or to prevent fraud), as necessary in order to administer and service clients’ accounts, or as authorized by such clients or former clients.
We restrict access to nonpublic information about you to those employees who need to know that information to provide services specific to you. We maintain physical, electronic, and procedural safeguards to guard your nonpublic personal information.
The types of personal information we collect and share depend on the products or services provided to you. To conduct regular business, Emprical may collect the following types of personal information:
To assist the government in combating terrorism financing and money laundering activities, federal law mandates that financial institutions obtain, verify, and record information that identifies each individual who opens an account.
When you open an account, Empirical is required to collect the following information from you, including but not limited to, your name, date of birth, address, identification number (i.e., Social Security number, Passport, or other government-issued identification). Corporations, partnerships, trusts, or other legal entities may be required to provide other information such as verification of its principal place of business, employer identification number, certified article of incorporation, government-issued business license, partnership agreement, or a trust agreement.
United States Department of Treasury, Securities and Exchange Commission, NASD, and New York Stock Exchange rules already require you to provide most of this information. These rules also require you to provide additional information like your net worth, annual income, occupation, employer information, investment experience and objectives, and risk tolerance.
All financial companies, including Empirical, need to share clients’ personal information to run their everyday business. We collect your personal information, for example, when you open an account, create a financial plan, deposit or withdraw funds, give us your income information and your contact information, among other things. In the section below, we list the reasons we share our clients’ personal information; the reasons Empirical chooses to share; and whether you can limit this sharing.
You may have certain rights regarding our processing of your personal information under applicable local law. If our processing of your personal information is governed by such laws, the section above provides you with information regarding your rights and our processing of your personal information under applicable local law.
Under the CCPA and the CPRA, California residents are granted certain rights over the personal information businesses collect about them. These rights apply to certain categories of sensitive personal information, such as your social security number, driver’s license number and financial account information, including account log-on information, we collect and retain in connection with the services that we provide. If applicable, these rights include:
If the CCPA/CPRA applies to you and you wish to exercise any of these rights please contact our Compliance Department using the contact information provided below. We may seek further information from you to confirm your identity before we release any personal information. We do not “sell” or “share” your personal information as these terms are defined in the CCPA/CPRA. We will not discriminate against you for exercising any of your CCPA/CPRA rights. We do not “sell” or “share” your personal information as these terms are described in the CCPA/CPRA.
Empirical uses physical, technical, and organizational security measures to comply with federal law designed to safeguard your personal information from unauthorized access or use. These measures include computer safeguards, secured files and buildings. We maintain a Cybersecurity Program to provide awareness and train employees to prevent unauthorized access and data breaches to sensitive client information, including personal, financial, and proprietary information. We restrict access to client nonpublic information to those employees and service providers who are involved with providing products and services to clients. When there is a need to dispose of confidential client information, we require our employees to shred confidential documents. We maintain a password-protected and encrypted client portal for clients to send or receive confidential information. Systems we use to record and use client information are designed to be encrypted and password-protected to further secure client confidentiality. We continue to evaluate our efforts to protect confidential client information and to keep our privacy notice and practices current.
When you are no longer our client, we continue to extend our privacy practices and applicable procedures to personal information even after you cease to use our service as described in this Notice. We continue to treat nonpublic information strictly confidential.
If you have any questions or concerns about our privacy practices, please contact our Compliance Department at (800) 923-4307 or by e-mail at compliance@empirical.net.
This Notice is subject to revision and changes. We encourage you to visit this page periodically to learn about updates to our privacy practices.
You are now portal the Empirical Wealth Management Website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) Website. Schwab is a registered broker-dealer, and is not affiliated with Empirical Wealth Management or any advisor whose name appears on this Website. Empirical Wealth Management is independently owned and operated. Schwab neither endorses nor recommends Empirical Wealth Management, unless you have been referred to us through the Schwab Advisor Network®. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Empirical Wealth Management under which Schwab provides Empirical Wealth Management with services related to your account. Schwab does not review the Empirical Wealth Management Website, and makes no representation regarding the content of the Website. The information contained in the Empirical Wealth Management Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.
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