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.
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 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.
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.
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.
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.
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.
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