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Privacy & Security Policy

Cornerstone Advisors, Inc. (hereinafter “Cornerstone”) takes seriously the confidentiality of your personal information. The following Privacy Policy sets forth our information gathering and dissemination practices for this Web site.By accessing or using this Web site, you hereby agree to the terms of this Privacy Policy and consent to the collection and use of information as discussed in this Privacy Policy. If you do not agree to the terms of this Privacy Policy, do not access this Web site.

We strive to make your dealings with us as private, easy and secure as possible. Under no circumstances will we sell, rent or loan any of your personally identifiable information to any third party. When necessary, we may use and share information with those persons and third-party entities specifically involved in the processing of your payment or your application to receive services from Cornerstone; in addition, we may use and share aggregated information that does not uniquely identify you when it enables us to improve and enrich our services and Web site content. In addition, Cornerstone reserves the right to use and share your information in the event Cornerstone believes doing so is necessary to operate this site or where such disclosure may be required by law, or to protect Cornerstone's rights or the rights of others.

The effective date of this Privacy Policy is August 15, 2010. Cornerstone reserves the right to modify or amend this Privacy Policy at any time. All changes will be effective immediately upon their posting to this Web site. Material changes will be conspicuously posted on this Web site. By accessing or using this Web site after such changes are posted you agree and consent to all such changes.

Personally Identifiable Account Information

Cornerstone may collect information you voluntarily share with us in submitting an application for services or request for information, as well as other information, for example through Internet Protocol (“IP”) addresses and the use of “Cookies,” which may be placed on your computer when you access the Web site. (See the sections on IP Addresses and “Cookies” below.)

Cornerstone may collect any content, record, or electronic communication of any kind, including without limitation your (1) contact information, (2) financial information, (3) demographic information and (4) other personal information required to process your application to request services from Cornerstone, so that we may provide you with the information or services that you request, and so that we may communicate with you and send you information and materials for marketing and other purposes, subject to applicable laws and the terms of the Privacy Policy.

Cornerstone maintains full rights to any information collected on this Web site, and may freely collect, use and disclose such information unless specifically prohibited by this Privacy Policy or applicable law. In the event of a change in control of Cornerstone or sale by Cornerstone of substantially all of its assets, any information owned by or in the control of Cornerstone may be transferred to such Cornerstone successor, who will comply with the terms of this Privacy Policy.

IP Addresses

Cornerstone reserves the right to log IP addresses for systems administration purposes. IP addresses are not used to track a user’s session. This information only helps us determine how often different areas of our site are visited. We do not link IP address to any information that is personally identifiable.

"Cookies"

Cornerstone reserves the right to utilize “Cookies” to track the use of our Web site and to facilitate and enhance your experience on our Web site. “Cookies” are small pieces of information that are stored by your browser on your computer’s hard drive. Our “Cookies” enable us to facilitate access to different aspects of our Web site. For example, by showing when and how you and others visit our Web site, “Cookies” help us to see which pages of the Web site are popular and which are not. “Cookies” can also help us to improve your experience on this Web site, for example, by remembering your address or other personal information when you request information or services on the Web site.

Most Web browsers automatically accept “Cookies,” but you can disable this function so that your browser will not accept “Cookies.” Please be aware that disabling this function may impact the use and functionality of this Web site.

Access by Children

This Web site is not directed toward children under 13 years of age, and Cornerstone does not knowingly collect or use information from children under 13 through this Web site.

E-Mail Communication

Cornerstone may use your personal information to send you promotional communications pending user consent. You have the opportunity to opt-out of receiving such promotional communications from us at any time. To discontinue your receipt of such promotional communications, simply reply to the email you receive with the word “Remove” in the subject line.

Security

We limit access to personally identifiable information about you to our employees and third-party agents, who we reasonably believe need to have access to your information to provide you with the information or services you request from Cornerstone.

This Web site has security measures in place to help protect against the loss, misuse and alteration of the information under our control. While we cannot guarantee that loss, misuse or alteration to data will not occur, Cornerstone uses industry standards, such as Secure Socket Layers (“SSL”) technology, to help safeguard against such occurrences. In certain areas, the information passed between your browser and our system is encrypted with SSL technology to create a protected connection between you and our Web site to ensure confidentiality. In the event that a breach into our security systems occurs and there is a possibility that an unauthorized person acquires your personal information, Cornerstone will notify you of such a breach under applicable law.

Additionally, Cornerstone utilizes PCI DSS certified third-party payment gateway PayTrace™. All payment account numbers are immediately encrypted upon entry in to Cornerstone's system. PayTrace™ utilizes fraud prevention tools including multi-factor authentication log-ins to ensure that sensitive customer data is protected.

Your credit card number will not be displayed when confirming an order. It is, of course, necessary for us to transmit the entire credit card number to the appropriate credit card company during order processing.

Third-Party Websites

This Web site may link to, or be linked to, other Web sites not maintained by or related to Cornerstone. Cornerstone is not responsible for the privacy policies or practices of any third parties or third-party Web sites, including any linked or linking Web sites. To the extent that you disclose personally identifiable information to any such third parties, different rules may apply to their use and disclosure of personal information that you disclose to them. We encourage you to review the privacy policies of such Web sites before disclosing your personal information to them.

Contacting Us

If you have any other questions or concerns regarding these Terms & Conditions, please contact us at:

    Cornerstone Advisors, Inc.
    7272 E. Indian School Road, Suite 400
    Scottsdale, AZ 85251
    Tel: (480) 423-2030
    Fax: (480) 481-6076