Privacy Policy

Effective Date: January, 2025

Cornerstone Retirement Group (“Cornerstone Retirement Group”, “we”, “us”, “our”) is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and protect your personal information when you opt in to receive SMS/text messages (application-to-person or “A2P” messaging) from us.

1. Information We Collect

When you opt in to our SMS/text-message service, we may collect:

    •    Your mobile phone number and name (if provided).

    •    Your opt-in consent (date/time, number, campaign).

    •    Message content you send to us (e.g., replies).

    •    Delivery and interaction data (e.g., message status, timestamps, responses).

    •    If you visit our website, optionally cookies/usage data (see Website Privacy Policy for details).

2. How We Use Your Information

We use the information collected to:

    •    Send you messages you have opted to receive (e.g., retirement planning updates, service reminders, offers).

    •    Verify your mobile number, manage your messaging preferences, and process opt-out requests.

    •    Analyze engagement and improve our messaging service.

    •    Comply with legal obligations and enforce our terms.

3. Data Sharing & Disclosure

We respect your privacy and will not:

    •    Sell, rent, trade, or otherwise provide your mobile number or opt-in data to third parties for marketing or promotional purposes. (TermsFeed)
            We may share information when necessary:

    •    With trusted service providers who assist in delivering our SMS service (under confidentiality obligations).

    •    When required by law, regulation, legal process or to protect our rights or safety.

4. Opt-In / Consent

By providing your mobile phone number and opting in, you agree to receive text messages from us. Standard message and data rates may apply.

5. Opt-Out / Your Rights

You can opt out of receiving further SMS/text messages at any time: simply reply “STOP” to any message you receive from us, or contact us at [insert email/phone]. Upon receipt of your opt-out request, we will stop sending you further messages. You may also request access to the data we hold about you, correction of inaccurate data, or deletion if permitted by law.

6. Data Security & Retention

We implement reasonable technical and organizational measures to protect your information from unauthorized access, alteration, disclosure or destruction. However, no method of transmission over the Internet or electronic storage is completely secure. We retain your opt-in data, mobile number and message interaction data for as long as you remain subscribed, and thereafter for the period required to satisfy legal or business record-keeping needs.

7. Changes to This Privacy Policy

We may update this Privacy Policy from time to time. The “Effective Date” will be updated and the latest version will be posted on our website. Your continued subscription or use of our SMS service after changes are posted constitutes your acceptance of those changes.

8. Contact Us

If you have any questions, concerns or requests regarding this Privacy Policy, please contact us at 615-391-8350

Terms & Conditions – SMS/Text Messaging Service

These Terms & Conditions (“Terms”) govern your enrollment in and use of the SMS/text messaging program (“Service”) offered by Cornerstone Retirement Group (“we”, “us”, “our”). By opting in to receive text messages from us, you accept and agree to these Terms.

1. Program Description

We will send you text messages to the mobile phone number you provide. These messages may include informational, transactional, promotional or alert-type communications about our retirement planning, insurance, service updates, offers or other relevant content. Message frequency may vary.

2. Consent & Opt-In

By subscribing to the Service, you affirm that you are the account holder of the mobile phone number provided and you consent to receive SMS/text messages from us. You understand standard message and data rates may apply from your mobile carrier.

3. How to Opt-Out

You can stop receiving SMS/text messages at any time by replying “STOP” to any message we send you. After replying “STOP,” we will send you a single confirmation message and you will not receive further messages unless you opt in again. For assistance, reply “HELP” or contact us at [support email/phone].

4. Message & Data Rates

You acknowledge and agree that message and data rates may apply when receiving or sending text messages, depending on your carrier and plan. We are not responsible for any charges imposed by your mobile carrier.

5. No Guarantee of Delivery

We aim to deliver all messages, but we cannot guarantee delivery or timing of delivery: message delivery may be delayed, disrupted or fail due to circumstances outside our control (e.g., mobile carrier issues, device limitations). (ACR Health)

6. Acceptable Use

You agree not to use the Service to send us or forward text messages that are unlawful, abusive, harassing, obscene, defamatory, or otherwise objectionable. We reserve the right to suspend or terminate your participation in the Service for misuse.

7. Privacy Policy

Your use of the Service is subject to our Privacy Policy (above). By subscribing, you confirm you have read and agree to our Privacy Policy.

8. Changes to Terms

We may update these Terms at any time, without prior notice, by posting the updated version on our website. Your continued participation in the Service after changes are posted constitutes your acceptance of those changes.

9. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable to you for any indirect, incidental, special or consequential damages arising from your participation in the Service, message delivery failure, delays, or interruptions.

10. Governing Law

These Terms are governed by the laws of the state of [Your State], without regard to its conflict of laws provisions. Any dispute arising under or relating to these Terms shall be subject to the exclusive jurisdiction of the state or federal courts located in [County], [State].

11. Contact Information

For questions about the Service, to update your contact information, or to unsubscribe, please contact us by calling 615-391-8350.