Privacy Notice – California Residents

This Privacy Notice for California residents supplements, and is to be read in conjunction with, the information contained in the Privacy Notice(s) of Raymond James (“we,” “us,” “our”) and applies solely to individuals who interact or have a relationship with Raymond James and who reside in the State of California (“consumers” or “you”). We have adopted this Notice to comply with the California Consumer Privacy Act, 2018, as amended (“CCPA”).

What is Personal Information?

Under the CCPA, “Personal Information” is information that identifies, relates to, describes, is capable of being associated with, or could reasonably be linked, directly or indirectly, with a particular consumer or household (CCPA §1798.140(O)(1)). Personal Information includes, but is not limited to, the following: (a) identifiers, (b) select information in consumer records, (c) legally protected characteristics, (d) commercial purchasing information, (e) biometric information, (f) internet or network activity, (g) geolocation, (h) information typically detected by the senses, (i) employment information, ( j) education information, or (k) inferences from the above categories used to profile.

Personal Information does not include:
  • Publicly available information from government records.
  • De-identified or aggregated consumer information.
  • Information excluded from the CCPA’s scope, like:
    • Health or medical information covered by the Health Insurance Portability and Accountability Act of 1996 (HIPAA) and the California Confidentiality of Medical Information Act (CMIA) or clinical trial data;
    • Personal Information covered by certain sector-specific privacy laws, including the Fair Credit Reporting Act (FCRA), the Gramm-Leach-Bliley Act (GLBA) or California Financial Information Privacy Act (FIPA), and the Driver’s Privacy Protection Act of 1994.

Information Raymond James collects about you

Raymond James does not “sell” Personal Information and has not “sold” Personal Information relating to you, including within the meaning of the CCPA within the past 12 months. For purposes of this disclosure, “sell” or “sold” means the disclosure of Personal Information to a third party for monetary or other valuable consideration.

We may collect, use, store, and transfer different kinds of Personal Information about you for business or commercial purposes depending on our relationship or interaction with you which we have grouped together as follows:

Table 1: Types of personal information as defined in CCPA § 1798.140(O)(A-K)
Category Examples Purpose

Identifiers

First name, maiden name, last name, username or similar identifier, marital status, date of birth and gender.

  • Create, maintain, customize, and secure your account(s)
  • Perform identity verification
  • Process transactions
  • Detect and prevent fraud
  • Respond to court order and legal investigations
  • Report to credit bureaus
  • Market our products and services

Characteristics of protected classifications under California or Federal Law

Age (40 years or older), race, color, ancestry, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, veteran or military status.

  • Create, maintain, customize, and secure your account(s)
  • Perform identity verification
  • Manage consumer relationship
  • Market our products and services

Commercial Information

Records of products or services purchased, or considered, other purchasing or consuming histories or tendencies.

  • Create, maintain, customize, and secure your account(s)
  • Process transactions
  • Detect and prevent fraud
  • Respond to court order and legal investigations
  • Report to credit bureaus
  • Market our products and services

Biometric information

Genetic, physiological, behavioral, and biological characteristics.

N/A

Internet or Electronic Data

Information regarding a consumer’s interaction with an internet website, application, or advertisement.

  • Risk and security control and monitoring
  • Detect and prevent fraud
  • Support, personalize and develop our website and online products and services
  • Respond to court order and legal investigations
  • Market our products and services

Geolocation Data

Physical location.

  • Risk and security control and monitoring
  • Detect and prevent fraud
  • Support, personalize and develop our website and online products and services

Sensory Data

Audio, electronic, and visual information.

  • Record phone lines for regulatory requirements and to monitor customer service quality
  • Physical security

Professional Related Data

Work history, prior employer.

  • Create, maintain, and customize your account(s)
  • Manage consumer relationship

Education-related Data

School or schools, and date of graduation.

  • Create, maintain, and customize your account(s)
  • Manage consumer relationship

Inferences

Drawn from any of the information identified in this table to create a profile about a consumer reflecting the consumer’s preferences

  • Create, maintain, and customize your account(s)
  • Manage consumer relationship
  • Market our products and services

We will not collect additional categories of Personal Information or use the Personal Information we collected for materially different, unrelated, or incompatible purposes without providing you notice.

We obtain the categories of Personal Information listed above from the following categories of sources:

  • Directly from our clients or their agents. For example, from documents that our clients provide to us related to the services for which they engage us.
  • Indirectly from our clients or their agents. For example, through information we collect from our clients in the course of providing services and marketing to them.
  • From third parties that interact with us in connection with the services we perform or products we provide. For example, from outside companies we may use to assist us in providing you with our services or products.
  • Directly and indirectly from activity on our website or third party websites through which we advertise. For example, from submissions through our website portal or website usage details collected automatically.

Sharing of Personal Information

Raymond James shares your Personal Information with third parties and service providers when necessary for business purposes. When Raymond James shares your Personal Information, it is contractually protected by both Raymond James and the applicable third party or service provider in question.

The categories of Personal Information we may share may include the categories listed in Table 1 above.

The categories of third parties we may share your Personal Information with include: our affiliates and subsidiaries, service providers performing necessary business functions, financial advisors registered with Raymond James, financial institutions with networking agreements with Raymond James, introducing broker-dealer or registered investment advisers, financial product and service companies and law enforcement, self-regulatory organizations (e.g., FINRA), and regulators as required by law.

Your Rights

Under the CCPA, you have specific rights regarding your Personal Information held by private companies. The below section describes your rights and how to exercise them.

Disclosure

You have the right to ask us to disclose to you any Personal Information we have collected about you in the last 12 months (CCPA 1788.100). In order to exercise this right, Raymond James must first verify your identity to ensure it is a legitimate request, and then disclose to you:

  • The categories of Personal Information we have collected about you
  • The types of sources used to collect Personal Information about you
  • The types of third parties with which we have shared any of your Personal Information (if applicable).
  • The business or commercial purpose(s) for collecting your Personal Information.
  • The specific pieces of Personal Information we collected about you (also called a data portability request).
  • The categories of Personal Information that have been disclosed for a business purpose that each category of recipient obtained.
Deletion

You have the right to request that we delete the Personal Information we have collected from and about you. In order to exercise this right, Raymond James must first verify your identity to ensure it is a legitimate request, we will then delete the relevant information unless an exemption applies (CCPA 1798.105).

We may deny your deletion request if retaining the information is necessary for us or our service providers to:

  • Complete the transaction for which we collected the Personal Information, provide a good or service that you requested, take actions reasonably anticipated within the context of our ongoing business relationship with you, or otherwise perform our contract with you.
  • Detect security incidents, protect against malicious, deceptive, fraudulent, or illegal activity, or prosecute those responsible for such activities.
  • Debug products to identify and repair errors that impair existing intended functionality.
  • Exercise free speech, ensure the right of another consumer to exercise their free speech rights, or exercise another right provided for by law.
  • Comply with the California Electronic Communications Privacy Act (Cal. Penal Code § 1546 seq.).
  • Engage in public or peer-reviewed scientific, historical, or statistical research in the public interest that adheres to all other applicable ethics and privacy laws, when the information’s deletion may likely render impossible or seriously impair the research’s achievement, if you previously provided informed consent.
  • Enable solely internal uses that are reasonably aligned with consumer expectations based on your relationship with us.
  • Comply with a legal obligation.
  • Make other internal and lawful uses of that information that are compatible with the context in which you provided it.

To exercise the access, data portability, or deletion rights described above please submit a verifiable consumer request via the phone number or email address below in the “Contact Information” section of this notice.

Only you or a person registered with the California Secretary of State that you authorize to act on your behalf may make a verifiable consumer request related to your Personal Information. If an authorized agent submits a request on your behalf, you may be asked to verify your identity directly with Raymond James. You may also make a verifiable consumer request on behalf of your minor child.

You may only make a verifiable consumer request for access or data portability twice within a 12-month period. The verifiable consumer request must:

  • Provide sufficient information that allows us to reasonably verify you are the person about whom we collected Personal Information or an authorized representative; and
  • Describe your request with sufficient detail that allows us to properly understand, evaluate, and respond to it.

We cannot respond to your request or provide you with Personal Information if we cannot verify your identity or authority to make the request and confirm the Personal Information relates to you. Making a verifiable consumer request does not require you to create an account with us. We will only use Personal Information provided in a verifiable consumer request to verify the requestor’s identity or authority to make the request.

Response Timing and Format

We endeavor to respond to a verifiable consumer request within 45 days of its receipt. If we require more time (up to 90 days), we will inform you of the reason and extension period in writing. If you have an account with us, we will deliver our written response using the contact information we have on file for that account. If you do not have an account with us, we will deliver our written response by mail or electronically, at your option. Any disclosures we provide will only cover the 12-month period preceding the verifiable consumer request’s receipt. The response we provide will also explain the reasons we cannot comply with a request, if applicable. For data portability requests, we will select a format to provide your Personal Information that is readily useable and should allow you to transmit the information from one entity to another entity without hindrance.

We do not charge a fee to process or respond to your verifiable consumer request unless it is excessive, repetitive, or manifestly unfounded. If we determine that the request warrants a fee, we will tell you why we made that decision and provide you with a cost estimate before completing your request.

Non-Discrimination

You have the right to be free from unlawful discrimination for exercising your rights under the CCPA (CCPA §1798.125).

Changes to Our Privacy Notice

Raymond James reserves the right to update or change the information contained in this privacy notice at any time. In the event of a substantive change to our policies, we will notify you and may request your explicit consent as necessary. We suggest you visit our website (raymondjames.com) periodically to learn of any changes to our Notice.

Contact Information

If you have any questions pertaining to this notice or if you wish to exercise your rights under California law, you can contact us at:

Phone: 1.800.647.7378

Website: raymondjames.com

Email: privacyaccessrequests@raymondjames.com

1This includes but is not limited to: Raymond James Financial, Inc., Raymond James & Associates, Inc., Raymond James Financial Services, Inc., Raymond James Financial Services Advisors, Inc., Raymond James Insurance Group, Inc., The Producers Choice, LLC, Raymond James Bank, N.A., Raymond James Trust, N.A., Carillon Tower Advisers, Inc., Carillon Family of Funds, Carillon Fund Distributors, Inc., Carillon Fund Services, Inc., Eagle Asset Management, Inc., and Scout Investments, Inc.