Welcome to Cornerstone Advisors (hereinafter “Cornerstone”). Cornerstone maintains this Web site for your information, education and communication. Your access to and use of this Web site is subject to the following Terms & Conditions. Please read these Terms & Conditions carefully before accessing or using this Web site so that you fully understand your rights and responsibilities. By accessing or using the Web site, you and the entity you are authorized to represent (“you” or “your”) signify your agreement to be bound by these Terms & Conditions. These Terms & Conditions are agreed to by and between you and Cornerstone. In consideration for your use of and access to this Web site, and the promises and obligations in these Terms & Conditions, and intending to be legally bound, you and Cornerstone agree to all of these Terms & Conditions. Please print a copy of these Terms & Conditions for your reference.

If you do not agree to the following Terms & Conditions, do not access or use this Web site, and instead contact Cornerstone in writing or via telephone as set forth below for desired information. To conduct business with Cornerstone through our Web site it may be necessary to provide certain information about yourself, the extent of which will be determined by your specific need. The following is an explanation of how we use this information

Cornerstone reserves the right to modify or amend these Terms & Conditions at any time. All changes shall be effective immediately upon their posting. Material changes will be posted conspicuously on this Web site. By accessing the Web site following posting of changes to the Terms & Conditions, you agree to all such changes.

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Site Information

Information displayed on this Web site is subject to modification without notice. Cornerstone reserves the right to modify such information without any obligation to notify past, current or prospective Web site users. Cornerstone makes no representations that the materials on this Web site are appropriate or available for use in other countries besides the United States. Those who do access this Web site from other states or countries are solely responsible for compliance with the laws of such state or country.

All offers set forth on this Web site are void where prohibited, and are subject to the posting of any official rules pertaining to such offers.

Intellectual Property Rights

Text, audio, video, graphics, charts and icons are copyrighted by and are the exclusive property of Cornerstone unless otherwise noted.

All photographs which are not owned by Cornerstone are licensed for use and are the property of their respective owners.

Content and proprietary information which is obtained via downloadable reports or any other medium are copyrighted by and the exclusive property of Cornerstone.

Pre-designed templates and related arrangements used on the Cornerstone Web site are the exclusive property of Cornerstone.

Pre-designed templates and related arrangements used on the GonzoBanker Blog are utilized in cooperation with www.wordpress.com.

The distinctive and original layout and presentation of this Web site also constitutes protectable trade dress under applicable federal law. In addition, many proprietary names and marks belonging to Cornerstone and GonzoBanker appear throughout this Web site. This Web site may also contain references to third-party marks, and copies of third-party copyrighted materials, which are the property of their respective owners. Any unauthorized use of any trade dress, marks or any other intellectual property belonging to Cornerstone or any third party is strictly prohibited, and will be prosecuted to the fullest extent of the law.

Use of this Site

You may download and/or print one (1) copy of this Web site’s content solely for your personal and noncommercial use, provided you do not delete or modify any copyright, trademark or other proprietary notices. You may not otherwise use, copy, modify, distribute, mirror, republish or transmit any of the content or materials of this Web site without the prior written consent of Cornerstone.

No Liability

In no event shall Cornerstone or any of its officers, representatives, directors, employees, consultants or agents be liable for any direct, indirect, punitive, special, incidental, exemplary or consequential damages or any damages whatsoever (including without limitation, damages for loss of use, data, information, profits or business interruption) arising out of or in any way related to the use or performance of this Web site or any linked Web site or to any material, information, data, products or services obtained through this Web site, or otherwise arising out of your use of this Web site, your inability to use this Web site or any decision made or action taken by you in reliance of any information, advice or materials provided on this Web site, whether such damages are based in tort, contract, negligence, strict liability or otherwise, even if Cornerstone has been advised of the possibility of such damages. Your sole and exclusive remedy is to discontinue your access to and use of the Web site.

Some states do not allow the exclusion or limitation of incidental or consequential damages, therefore some of the above exclusions or limitations do not apply in certain jurisdictions.

No Warranty

Cornerstone makes all commercially reasonable efforts to ensure that all material, information and data on this Web site are timely, accurate and reliable; however, accuracy cannot be guaranteed.This Web site is provided by Cornerstone on an “AS IS” basis. Cornerstone disclaims all warranties with respect to this Web site, including without limitation all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Cornerstone makes no warranty or representation regarding the results that may be obtained from use of this Web site, or use of material, information or data downloaded or otherwise obtained from this Web site, or regarding the accuracy or reliability of any information obtained from this Web site. Cornerstone does not warrant or guarantee (1) the accuracy, completeness, correctness, timeliness or usefulness of this Web site or any material, information or data downloaded or otherwise obtained through use of this Web site or (2) that use of this Web site or any materials on this Web site will meet any user’s requirement by being uninterrupted, timely, secure or error-free. Cornerstone shall have no responsibility for the timeliness, deletion, misdelivery or failure to store any user communication.

You acknowledge and agree (1) that your use of this Web site is at your own discretion and risk, (2) that use of any material, information or data downloaded or otherwise obtained through the use of this Web site is at your own discretion and risk, and (3) that you are solely responsible for any damage to your computer system for loss of data that results from the download of such material, information or data, and for any other form of damage that may be incurred. Cornerstone does not warrant or guarantee that files or other materials and information available through this Web site will be free of infections, viruses, worms, Trojan horses or other code that could be harmful to your computer system. None of the parties involved in creating, producing or delivering this Web site or its content, including without limitation Cornerstone, shall be liable to users of this Web site for any damage resulting from use of this Web site or use of material, information or data downloaded or otherwise obtained from this Web site, nor are such parties in any way responsible for the conduct of users of this Web site or for information posted or exchanged on this Web site.

No advice or information, whether oral or written, obtained by you from Cornerstone or in any manner from this Web site shall create any warranty.

Third-Party Web Sites

This Web site may link to, or be linked to, other Web sites not maintained by or related to Cornerstone. Such links are provided only as a service to our visitors. Cornerstone is not, directly or indirectly, implying any approval, association, sponsorship, endorsement or affiliation with the linked or linking Web site, unless specifically stated therein. Cornerstone has not reviewed all such Web sites and is not responsible for the content, accuracy or policies of any such Web sites. Following links to any other pages or Web sites is at your own risk.

If you operate another Web site and are interested in linking to our Web site, you agree to be bound by the following rules: (1) the link must be a text-only link clearly marked; (2) the link must “point” to the URL “http://www.crnrstone.com/” and not to any other pages; (3) the link, and use thereof, must be in connection with a Web site of appropriate subject matter which furthers the mission of Cornerstone; (4) the link, and use thereof, may not be such that may damage or dilute the goodwill associated with Cornerstone’s names and marks; (5) the link, and use thereof, may not create the false appearance that an entity other than Cornerstone is associated with or sponsored by Cornerstone; (6) the link, when activated by a user, must display this site full-screen and not with a “frame” on the linked Web site; and (7) Cornerstone reserves the right to revoke consent to the link at any time in its sole discretion, either by amending these Terms and Conditions or through other notice.

Privacy Policy

By your access and use of this Web site, you hereby agree to the terms of the Cornerstone Privacy Policy, which are incorporated into these Terms & Conditions by this reference.


You agree to indemnify, defend and hold harmless Cornerstone, its officers, representatives, directors, employees, consultants and agents from any and all losses, expenses, third-party claims, liabilities, damages and costs (including without limitation attorneys’ fees) arising from or related to your use of this Web site, your use of any material, information or data downloaded or otherwise obtained from this Web site, or your violation of these Terms & Conditions, including without limitation, your infringement of any intellectual property or other right of Cornerstone or any other person or entity.

Interpretation and Disputes

These Terms & Conditions are governed by the laws of the United States and the State of Arizona, without regard to any conflict of laws provisions. Venue shall be exclusively in Maricopa County, Arizona with respect to any dispute arising under these Terms & Conditions, unless otherwise specifically agreed by Cornerstone at its sole discretion. In the event of any dispute, the prevailing party shall be entitled to recovery of its reasonable attorneys’ fees and costs. If any provision of these Terms & Conditions is deemed unenforceable or invalid by a court or arbitrator, then the court or arbitrator shall modify such provision to the minimum extent necessary to make such provision enforceable and valid. Should such modification prove impossible or impracticable then the provision shall be severed and the remaining terms of these Terms & Conditions shall be interpreted and read to give them maximum enforceability. Any cause of action or claim with respect to this Web site must be commenced within one (1) year after the action or claim arises.


Cornerstone provides GonzoBanker Blog for visitors to participate in. By accessing or using this Web site, you agree to abide by the following guidelines for use and participation:

All users of this Web site must also follow any other guidelines or rules provided by Cornerstone or posted on this Web site. A failure to comply with any of these guidelines or rules, or any of the other provisions of these Terms and Conditions, will result in, among other possible action, the immediate termination of all commenting privileges. Please report any violations of these guidelines to Cornerstone, as provided for in the “Contacting Us” paragraph of these Terms & Conditions.

You and other users of the Cornerstone bulletin boards, chat rooms and other interactive areas are solely responsible for the contents and consequences of the messages you communicate or post on this site. You should exercise the utmost discretion before providing any personal information on this site. Although Cornerstone is not obligated to monitor content or the accuracy of information, you acknowledge and agree that Cornerstone, in its sole discretion, has the right to monitor, without notice, any such content or information posted on this site. Cornerstone also reserves the right, in its sole and absolute discretion, to prohibit or remove any conduct or content, without notice, for any reason, and to revoke any user’s membership, for any reason.

Third-Party Intellectual Property Rights

Cornerstone respects the rights of intellectual property owners and asks that its users do the same. If you believe that your work has been copied in a way that constitutes infringement, please provide Cornerstone the following information, in the form prescribed by Section 512 of Title 17, United States Code:

1. an electronic or physical signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;

2. a description of the copyrighted work or works that you claim have been infringed;

3. a description of the allegedly infringing material, including its location on the site;
your address, telephone number and e-mail address;

4. a statement by you that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law; and

5. a statement by you, made under penalty of perjury, that the above information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner’s behalf.

Cornerstone’s Copyright Agent for notice of claims of copyright infringement on its site is:

Cate Pitts(480) 423-2030 Contact Ms. Pitts

Entire Agreement

By your access or use of this Web site, you hereby agree to these Terms & Conditions. These Terms & Conditions, together with the Cornerstone Privacy Policy constitute the entire agreement between you and Cornerstone with respect to your access and use of this Web site and supersede all prior or contemporaneous understandings or agreements, written or oral, regarding such subject matter. Any waiver of any provision of these Terms & Conditions will be effective only if in writing and signed by Cornerstone. These Terms & Conditions will inure to the benefit of Cornerstone’s successors and assigns.

Electronic Communications

You acknowledge that these Terms & Conditions are a valid and binding agreement. To the fullest extent permitted by law, you agree that these Terms & Conditions and any other documentation, agreements, notices or communications between you and Cornerstone may be provided to you electronically. Please print a copy of all such documentation, agreements, notices or other communications for your reference.

Contacting Us

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





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