PRIVACY POLICY

EP Wealth Advisors, LLC Client Information Privacy Policy

The financial services industry continues to evolve through the use of technology. EP Wealth Advisors, LLC (hereafter referred to as EP Wealth) is committed to managing our clients’ financial affairs confidentially and responsibly while using technology to deliver services efficiently and securely.

1. California Consumer Privacy Act of 2018 (“CCPA”):

The CCPA provides California residents rights over the information collected and retained by businesses like ours. At EP Wealth, we believe the standards established by the CCPA should apply to all our clients, irrespective of where they reside. Clients have the right to know what information we collect, request deletions (subject to exceptions), and opt out of the sale of personal information. We verify the identity of each individual submitting a data request to prevent unauthorized disclosure or deletion. Requests are acknowledged within 10 days and fulfilled within 45 days of receipt, consistent with applicable law. EP Wealth does not sell personal information as defined under the CCPA.

2. Recognition of a Customer’s Expectation of Privacy: 

At EP Wealth, the confidentiality and protection of client information is a fundamental responsibility. While information is critical to providing quality service, one of our most important assets is client trust and confidence. Thus, the safekeeping of client information is a priority.

Definitions:

• Client includes any individual who obtains financial or advisory services, including client’s as defined by the SEC Regulation S-P.
• Client information means any nonpublic personal information provided by a client or obtained in connection with advisory or financial services.
• Sensitive client information means information such as Social Security numbers, financial account numbers, tax identification numbers, and any authentication credentials.

3. Collection and Retention of Customer Information: 

EP Wealth limits the use, collection, and retention of client information to that which is necessary or useful to effectively conduct business and provide quality service. Information collected may include but is not limited to a client’s name, address, telephone number, tax identification number or social security number, date of birth, employment status, annual income, net worth, financial statements, previous tax filings, estate documents, and insurance information.

4. Maintenance of Accurate Information: 

EP Wealth recognizes it must maintain accurate client records. Therefore, the firm has established procedures to maintain the accuracy of client information and to keep such information current and complete. These procedures include responding to requests to correct inaccurate information in a timely manner.

5. Limiting Employee Access to Information: 

Employee access to personally identifiable client information is limited to those with a business reason to know such information. Employees are educated on the importance of maintaining confidentiality and compliance with this Privacy Policy. All employees are responsible for maintaining confidentiality and may be subject to disciplinary measures for violations.

6. Protection of Information via Established Security Procedures: 

EP Wealth recognizes a fundamental element of maintaining effective client privacy is to provide reasonable protection against unauthorized access to client information. Therefore, the firm has established appropriate security standards and procedures to guard against any such unauthorized access. The firm maintains a written Information Security Program, reviewed annually, which aligns with SEC Regulation S-P and applicable cybersecurity standards.

7. Restrictions on the Disclosure or Sell of Client Information: 

When it comes to sharing or selling client information with unaffiliated companies, EP Wealth places strict limits on who receives specific information about client accounts and other personally identifiable data. The firm may share information with unaffiliated companies that assist in providing investment and related services to our clients. Additionally, disclosures may occur when legally required or permitted in connection with fraud investigations, litigation, acquisitions or sales, or at the request or with the permission of a client. EP Wealth does not sell client information to third parties.

8. Maintaining Client Privacy in Business Relationships with Third Parties: 

If we provide personally identifiable client information to a third party with which we have a business relationship, we insist that the third party keep such information confidential and use it only for legitimate business purposes. All service provider agreements must include confidentiality and data protection clauses, require the service provider to notify EP Wealth within 72 hours of discovering a breach involving client information, and permit ongoing monitoring of the provider’s cybersecurity practices. Affiliates are also treated as service providers for oversight purposes.

9. Provision of Opt Out: 

EP Wealth currently operates under a “do not share” and “do not sell” policy. Therefore, given this strict policy, we do not need to provide an opt-out mechanism for sharing or selling client information with nonaffiliated third parties.

10. Disclosure of Privacy Policy to Clients: 

EP Wealth recognizes and respects the privacy expectations of our clients. As a result of this commitment, we have developed this Privacy Policy, which we make readily available to our clients. Clients with questions about this Privacy Policy or their personal information may contact us at (323) 797-5606 or e-mail us at info@epwealth.com.

EP Wealth provides an initial and, where applicable, annual privacy notice unless the firm qualifies for the annual notice exception under Regulation S-P Rule 30(e)(2), in which case notice will be provided only when privacy practices change.

11.  Incident Response & Breach Notification 

EP Wealth maintains a written incident response program designed to detect, respond to, and recover from any unauthorized access to client information. In the event of a breach involving sensitive client information, the firm will notify affected individuals as soon as practicable and no later than 30 days after determining that unauthorized access has occurred, unless delayed by law enforcement. All incidents, investigations, and notifications are documented and retained per SEC Regulation S-P.

12.  Secure Disposal of Information

EP Wealth maintains written procedures for the secure disposal of all client and consumer information, in both electronic and paper formats, when no longer required for legitimate business, legal, or regulatory purposes. Disposal actions are logged and retained for at least five years.

13.  Recordkeeping and Periodic Review 

All privacy-related policies, incident response documentation, notifications, and service provider agreements are retained for a minimum of five years, with the first two years stored in an accessible format consistent with SEC recordkeeping requirements. EP Wealth conducts at least annual reviews of this Privacy Policy and provides training to employees on privacy, cybersecurity, and incident response obligations.

The Privacy Policy applies to individuals, and we reserve the right to change the Privacy Policy and any of the policies or procedures described above at any time without prior notice. The Privacy Policy is intended for general guidance and does not constitute a contract or create legal rights and does not modify or amend any agreements we have with our clients.

Effective Date of December 3, 2025