Privacy Policy

Overview and scope

Cornerstone Capital ("Cornerstone Capital", "we", "us" or "our") is an independent life insurance brokerage. This Privacy Policy explains what personal information we collect through cornerstonecapital.org (the "Site"), how we use and disclose it, and the choices you have.

This policy applies to the Site and to the emails, calls and text messages we send in connection with it. It does not apply to websites or services operated by others, including insurance carriers. Our final expense questionnaire at get.cornerstonecapital.org is a separate application, and information you submit there is handled under the notices presented there.

The Site is intended for residents of the United States who are 18 or older. No insurance can be purchased on the Site.

Information we collect

Information you give us

• Coverage review and coverage page requests. The Site has a general coverage review form and a separate form on each coverage page (term life, mortgage and home protection, income replacement, final expense, business protection, permanent life, indexed universal life, family legacy and policy review). Every form collects your first name, last name, email address, phone number, state and preferred contact method.
• Answers to a form's own questions. Each form also asks a few questions about the subject of that page. Depending on the form these include an age range, the reason you are looking at coverage, a coverage or benefit amount range, a mortgage balance range and years remaining, who depends on the household or the home, a household income range, a monthly funding range, whether you have life insurance now, facts about a business (type, number of owners and employees, whether an agreement exists), and for a policy review the name of the insurance company, the type of policy, roughly when it was issued and its approximate amount. Amounts are collected as ranges, not exact figures. Your answers are stored together as one record with your request. The general form also has an optional message.
• Where the request came from. We record which form you used, the page you sent it from, and, if you sent it from a broker's profile page, which broker.
• Newsletter signup. When you subscribe to Cornerstone Notes, we collect your email address and, if you provide it, your first name.
• Consent records. Every time a form is submitted we record whether you gave consent to calls and texts, the exact consent wording that was shown to you and its version, the date and time, the page address, and your browser user agent. We keep the wording itself so there is a record of what you agreed to. We may also record your IP address with the consent record.
• Communications. When you email, call or text us, we collect the content of the communication and the contact details needed to reply.

The Site forms never ask for a Social Security number, medical history, prescriptions, medical records, bank or account details, a policy number or any document. Please do not send them through the Site forms or by email.

Usage data

When you visit the Site, our hosting and analytics providers collect technical information such as the pages viewed, the referring page, approximate location derived from the request, device type, browser type, operating system and performance measurements. The web analytics we use by default are cookieless and are designed to report aggregate activity.

Cookies and similar technologies

We use a small number of first-party cookies to remember your cookie preferences and to record how you arrived at the Site. Our anti-fraud provider may set its own cookies or use local storage on pages with forms. Optional advertising and analytics tools load only if you grant Marketing consent. See our Cookie Policy for details.

Attribution data

A first-party cookie stores how you arrived at the Site: campaign parameters from the link you followed (UTM parameters), advertising click identifiers (such as fbclid and gclid), the page you landed on and the referring address. It keeps two entries, the first time you arrived and the most recent time you arrived from a campaign link or another site. If you submit an inquiry, both are saved with it so that we can understand which campaigns lead to inquiries.

Site activity events

If you grant Marketing consent and we have configured an analytics or advertising tool, the Site reports a small set of activity events to that tool: that a coverage page or an article was viewed, that a form button was pressed, that a form was opened, started, advanced or submitted, that an article was shared, that a license lookup link was clicked, or that a carrier mark was viewed. Each event carries only the type of form, the page and the step. Your answers, your name, your contact details and anything you type are never included in these events.

How we use information

We use personal information to:

• respond to your request and contact you using the method you prefer;
• process your insurance inquiry, including identifying coverage options that may be available in your state;
• send the newsletter you subscribed to and other communications you asked for;
• send calls and text messages where you have given consent;
• keep records of consent and honor opt-out requests;
• operate, maintain, secure and improve the Site;
• detect and prevent fraud, spam and abuse;
• measure the performance of our content and advertising;
• comply with legal, regulatory and licensing obligations, and establish or defend legal claims.

How we disclose information

We disclose personal information in the following circumstances.

Insurance carriers

When you choose to apply for coverage or ask us for options, we may share information from your inquiry with insurance carriers and their underwriting vendors in order to process your insurance inquiry. Carriers handle the information they receive under their own privacy notices.

Service providers

We use service providers that process information on our behalf, in these categories:

Advertising and analytics partners

If you grant Marketing consent, information about your visit may be disclosed to the advertising and analytics partners described in the next section.

Legal disclosures

We may disclose information when we believe in good faith that disclosure is required by law, regulation, subpoena or court order, is requested by an insurance regulator or other government authority, or is needed to protect the rights, safety or property of Cornerstone Capital, our visitors or others.

Business transfers

If Cornerstone Capital is involved in a merger, acquisition, financing, reorganization or sale of some or all of its assets, personal information may be transferred as part of that transaction, subject to the commitments in this policy.

With your direction

We disclose information to others when you ask us to or consent to it.

Advertising and analytics

By default, the Site uses cookieless analytics and performance measurement provided by Vercel.

The following optional tools load only after you grant Marketing consent in our cookie preferences, and only when we have configured them: Google Analytics 4, Google Ads, Meta Pixel and Meta Conversions API. When active, these tools may collect identifiers, information about the pages you view and the actions you take, and may use that information to measure advertising and to show you ads on other sites and services. Information collected by these companies is subject to their own privacy policies.

You can withdraw Marketing consent at any time. See Your Privacy Choices.

Retention

We keep personal information for as long as reasonably needed for the purposes described in this policy. The criteria we use to decide how long to keep information include:

• whether you have an open inquiry or an ongoing relationship with us;
• whether you remain subscribed to communications;
• how long we need records of consent and opt-out requests to demonstrate that we honored them;
• legal, regulatory and licensing record-keeping requirements that apply to insurance producers;
• the period during which legal claims could be made.

The cookie that stores your cookie preferences lasts up to 12 months, and the attribution cookie lasts up to 90 days. When information is no longer needed, we delete it or de-identify it.

Security

We use reasonable administrative, technical and physical safeguards designed to protect personal information. No method of transmission over the internet and no method of electronic storage is completely secure, so we cannot promise absolute security. Please help protect your information by not sending sensitive identifiers or records through the Site.

Your choices

• Cookies. Change your cookie preferences at any time: Cookie Settings
• Email. Use the unsubscribe link in any newsletter or marketing email.
• Text messages. Reply STOP to any text message to opt out. Reply HELP for help. See our SMS Terms.
• Calls. Ask us to place your number on our internal do-not-call list.
• Privacy requests. See Your Privacy Choices for how to submit a request.

State privacy rights

Depending on where you live and whether the law of your state applies to us, you may have some or all of the following rights regarding your personal information:

• to confirm whether we process your personal information and to access it;
• to correct inaccurate information;
• to delete information;
• to obtain a copy in a portable format;
• to opt out of targeted advertising, and of the sale or sharing of personal information;
• to appeal a decision we make about your request.

To submit a request, email us at support@cornerstonecapital.org or call (501) 476-1468. Tell us which right you wish to exercise and the state where you live. We will take reasonable steps to verify your identity before acting on a request, which may include asking you to confirm information we already hold about you. An authorized agent may submit a request for you where the law allows, and we may ask for proof of the agent's authority.

If we decline your request, you may appeal by replying to our decision or by contacting us using the details above with the subject "Privacy Appeal". If your appeal is denied, you may have the right to contact the attorney general of your state.

Some information we hold may be subject to other laws, including insurance and financial privacy laws, and may be exempt from certain state privacy rights.

California privacy notice

This section applies to California residents to the extent California privacy law applies to us.

Categories collected in the last 12 months

We collect and use these categories for the purposes described in "How we use information" and disclose them to the recipients described in "How we disclose information".

Sale and sharing

We do not knowingly sell personal information for money. If you grant Marketing consent, our use of advertising cookies and similar tools may be considered a "sale" or "sharing" of identifiers and internet activity information under California law. You can opt out at any time by changing your cookie preferences on the Your Privacy Choices page or by enabling Global Privacy Control in your browser. We do not knowingly sell or share the personal information of anyone under 16.

Text message consent data

Mobile opt-in data and text messaging consent are not shared with third parties or affiliates for their marketing purposes.

Your California rights

California residents may have the right to know what personal information we collect, use and disclose, to access it, to correct it, to delete it, and to opt out of sale or sharing. We do not use sensitive personal information for purposes that would give rise to a right to limit its use.

Non-discrimination

We will not discriminate against you for exercising your privacy rights.

Global Privacy Control

The Site recognizes the Global Privacy Control (GPC) signal. When your browser sends it, we treat it as an opt-out of the Marketing category, and optional advertising and analytics tools do not load in that browser. The signal applies to the browser and device that send it.

Children

The Site is intended for adults. We do not knowingly collect personal information from anyone under 18. If you believe a minor has given us personal information, contact us and we will take steps to delete it.

Changes to this policy

We may update this policy from time to time. When we do, we will change the "updated" date shown on this page. If the changes are material, we will provide a more prominent notice where appropriate.

Contact us

Questions about this policy or our privacy practices can be sent to support@cornerstonecapital.org or you can call (501) 476-1468. You can also reach us through the contact page.