Rich & Company, LLC

Registered Investment Advisor

12540 Broadwell Road, Suite 2201 · Milton, GA 30004
(770) 284-5684 · privacy@richcoadvisors.com

Privacy Policy

Effective: January 1, 2025 · Last revised: May 28, 2026

At Rich & Company, LLC, we value your privacy and are committed to protecting your personal and financial information. This Privacy Policy explains how we collect, use, disclose, and safeguard your information as a Registered Investment Advisor (RIA) in compliance with applicable laws and regulations, including the Gramm-Leach-Bliley Act (GLBA) and the Federal Trade Commission's Safeguards Rule.

1. Information We Collect

We collect and maintain personal and financial information necessary to provide investment advisory and financial planning services, including:

• Personal identification details (name, address, date of birth, Social Security number, contact information)
• Financial information (account balances, holdings, transaction history, investment objectives, risk tolerance, income, tax information)
• Information you provide directly through our client portal, intake forms, and communications with our firm
• Information obtained from third-party sources with your authorization, including custodians, broker-dealers, and account-aggregation services such as Plaid (see Section 4)

2. How We Use Your Information

We use your information to:

• Provide investment advisory and financial planning services
• Process transactions and maintain your accounts
• Communicate with you regarding account updates, services, and regulatory requirements
• Compile and deliver portfolio reports, performance summaries, and tax-related information
• Comply with legal and regulatory obligations under the Investment Advisers Act of 1940 and applicable state and federal laws
• Improve and secure our services

3. Information Sharing and Disclosure

We do not sell or rent your personal information. We share your information only as described in this Policy, including with:

• Third-party service providers that help us manage your accounts and operate our firm, such as custodians (Charles Schwab, Raymond James), broker-dealers, compliance consultants, auditors, technology and software providers, and account-aggregation services
• Government agencies, regulators, and legal representatives as required by law, subpoena, or regulatory process
• Other parties with your explicit written consent

All third-party service providers are contractually required to maintain the confidentiality of your information and to use it only for the purposes for which we engage them.

4. Financial Account Connections (Plaid)

We use Plaid Inc. ("Plaid") to enable you to securely connect your financial accounts to our portal. When you choose to link an account, Plaid collects information from you and from your financial institution on our behalf, including account credentials (which are not shared with us), account and routing numbers, account balances, transaction history, and account-holder information. Plaid uses industry-standard encryption and does not share your bank login credentials with us.

Plaid's collection and use of your information is governed by Plaid's End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.

You can review, manage, or revoke Plaid connections at any time through Plaid Portal at https://my.plaid.com or by contacting us directly. Revoking access through Plaid stops further data sharing but does not delete information already provided to us in the course of our advisory services; to request deletion of that information, see Section 7.

5. Data Retention

We retain your personal and financial information for the duration of our client relationship and afterward for the periods required by law and regulation — generally five years for books and records under SEC Rule 204-2, and longer where federal or state tax, anti-money-laundering, or other obligations require. After applicable retention periods expire, we securely destroy or anonymize your information.

6. Safeguarding Your Information

We implement administrative, technical, and physical safeguards designed to protect your personal and financial information from unauthorized access, disclosure, alteration, or destruction, consistent with the GLBA Safeguards Rule. These measures include:

• Encryption of data in transit (TLS) and at rest using industry-standard cryptography
• Multi-factor authentication on the client portal
• Role-based access controls limiting employee access to your information on a need-to-know basis
• Authentication and logging of all portal sign-ins, with regular review of access events
• Routine security reviews, vulnerability monitoring, and documented incident-response procedures
• Employee training on information security and client confidentiality

7. Your Rights and Choices

You have the right to:

• Request access to the personal information we hold about you
• Request corrections or updates to your information
• Request deletion of your information, subject to legal and regulatory retention requirements
• Revoke previously granted authorizations, including consent to share data with third parties or to use Plaid to connect financial accounts
• Opt out of certain types of information sharing where applicable by law

To exercise any of these rights, contact us using the information in Section 10.

8. Children's Privacy

Our services are not directed to individuals under 18, and we do not knowingly collect personal information from children. If you believe we have collected information from a child, contact us so we can promptly delete it.

9. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in regulation or our business practices. The "Last revised" date at the top of this Policy reflects the most recent revision. We will notify you of material changes as required by law.

10. Contact Us

If you have questions about this Privacy Policy or wish to exercise any of your rights, contact us at:

Rich & Company, LLC
12540 Broadwell Road, Suite 2201
Milton, GA 30004
privacy@richcoadvisors.com
(770) 284-5684

By engaging our services or using our client portal, you acknowledge and consent to the terms outlined in this Privacy Policy.