At Cornerstone Advisor Group, we respect your privacy and understand that you may wish to limit how we use and share your personal and financial information. This Opt-Out Policy explains your rights to control the sharing of your data and outlines how you can exercise those rights.

We are committed to maintaining transparency about how we use your information and ensuring you have control over it, in compliance with applicable privacy laws, including the Gramm-Leach-Bliley Act (GLBA) and the California Consumer Privacy Act (CCPA).

1. Opt-Out of Sharing with Non-Affiliated Third Parties

Under the Gramm-Leach-Bliley Act (GLBA), we are required to provide you with the option to opt out of sharing your nonpublic personal information with non-affiliated third parties for purposes other than the provision of services directly related to your financial planning needs.

This includes the use of your information for marketing or promotional purposes by third parties not affiliated with Cornerstone Advisor Group.

  • What Does This Mean?
    • If you opt out, we will not share your nonpublic personal information with non-affiliated third parties, except for those providing services necessary to administer your financial planning services (e.g., custodians, investment managers, insurance carriers).
    • We do not sell your personal information to any third parties for marketing purposes.

2. Opt-Out of Marketing Communications

We may use your contact information (such as email, phone number, and mailing address) to send you marketing materials related to products and services that may benefit you, such as new investment opportunities, financial products, or updates about our services.

You have the right to opt out of receiving such marketing communications at any time.

  • What Does This Mean?
    • If you choose to opt out, you will no longer receive promotional emails, newsletters, or other marketing materials from us.
    • You may still receive important account-related communications, such as statements, tax documents, or updates related to your financial planning services, as these are necessary for the administration of your accounts.

3. Opt-Out of Sharing with Affiliates (for Marketing Purposes)

In some cases, we may share your personal information with affiliated companies within our corporate family for marketing purposes. We will only do so if you have not exercised your opt-out rights.

  • What Does This Mean?
    • If you do not opt out, your information may be shared with affiliates that offer products and services that could complement or enhance your financial planning needs.
    • You may opt out of this sharing by following the process outlined below.

4. Opt-Out for California Residents (CCPA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) to control the sharing of your personal information. Specifically, you have the right to opt-out of the sale of your personal information (although we do not sell your data to third parties).

  • What Does This Mean?
    • Under the CCPA, you have the right to direct us not to sell your personal information. Although Cornerstone Advisor Group does not engage in the sale of personal data, we provide this opt-out option to ensure compliance with the law and transparency in our data practices.

5. How to Exercise Your Opt-Out Rights

You can exercise your opt-out rights by contacting us directly through any of the following methods:

  • By Phone: Call our Customer Service team at: 866-868-1492
  • By Email: Send your request to: advice@cs-ag.com
  • By Mail: Send a written request to:

Cornerstone Advisor Group
4118 E Parham Rd
Henrico, VA 23228

Please include the following information in your opt-out request to ensure we can process it promptly:

  • Your full name
  • Your account number (if applicable)
  • A clear statement of your opt-out request (e.g., “I wish to opt out of sharing my information with non-affiliated third parties”)
  • Preferred contact method (phone, email, or mail)

6. Cornerstone Advisor Group SMS Privacy Policy

At CAG, we prioritize the privacy of our community members. We are committed to safeguarding the information collected through our Texting and SMS services. This policy outlines the information we collect, how we use it, and your rights and choices regarding this information, ensuring compliance with communication laws and best practices.

Your Rights and Choices: You have the right to:

  • Access, update, or delete the information collected through our Texting and SMS services.
  • If you need assistance, reply “HELP” to any SMS message or contact us here: 1-866-868-1492 or email advice@cs-ag.com
  • You may Opt-out of receiving messages by replying “STOP” to any SMS message. After opting out, no further messages will be sent.

How to Opt-In for Consent to receive SMS messages:

  • To join our Texting and SMS service, please go to the "Get in Touch" area, at the bottom of any page on our website, and make your selection to opt-in (which will appear after you complete your phone number). 

Message Frequency and rate information

  • Message & Data rates may apply.
  • Message frequency may vary based on your preferences or activity.

7. How We Process Your Opt-Out Request

Once we receive your opt-out request, we will process it within 10 business days and update your preferences in our system. Please note:

  • Opt-Out Confirmation: We will send you a confirmation notification once your opt-out request has been processed.
  • Marketing Opt-Out: If you opt out of marketing communications, we will stop sending you promotional materials, but you may still receive essential communications such as account statements, financial reports, or updates regarding changes to our services.
  • Non-Affiliated Third-Party Opt-Out: If you opt out of sharing your information with non-affiliated third parties, we will ensure that your nonpublic personal information is not shared except for necessary services directly related to your financial planning needs.

8. Limitations to Your Opt-Out Rights

While you have the right to limit the sharing of your personal information as described above, there are some exceptions and limitations, including:

  • Regulatory Requirements: We may still need to share certain information with regulators, government agencies, or as required by law (e.g., for tax reporting purposes, compliance with anti-money laundering laws).
  • Services Provided by Third Parties: We may need to share your information with third-party service providers who assist us in providing services to you, such as custodians, tax advisors, or investment managers. These third parties are bound by confidentiality agreements and only use your information to help manage your accounts or deliver services related to your financial planning.

9. Your Right to Update Preferences

You can change your opt-out preferences at any time. If you wish to reverse a previous opt-out decision or update your communication preferences, you can contact us through the methods outlined above.

Conclusion

At Cornerstone Advisor Group, we strive to provide you with the best possible service while respecting your privacy. This Opt-Out Policy allows you to exercise control over how your personal and financial information is used and shared. If you have any questions about this policy or need assistance with opting out, please do not hesitate to contact us.