Privacy Policy

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 website.By accessing or using this website, 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 website.

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 website 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 website. Material changes will be conspicuously posted on this website. By accessing or using this website 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 website. (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 website, 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 website and to facilitate and enhance your experience on our website. 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 website. For example, by showing when and how you and others visit our website, Cookies help us to see which pages of the website are popular and which are not. Cookies can also help us to improve your experience on this website, for example, by remembering your address or other personal information when you request information or services on the website.

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 website.

Access by Children
This website 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 website.

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, or modify the subject matter of the content you receive from us, visit the email preferences link included in every email we send.

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 website 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 website 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 Stripe™. All payment account numbers are immediately encrypted upon entry in to Cornerstone’s system. Stripe™ 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 website may link to, or be linked to, other websites not maintained by or related to Cornerstone. Cornerstone is not responsible for the privacy policies or practices of any third parties or third-party websites, including any linked or linking websites. 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 websites 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) 425-5212