Privacy Policy


FACTS

WHAT DOES CORNERSTONE BANK AND CORNERSTONE BANCSHARES, INC. DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

  • Social Security number                                    
  • Account balances                                             
  • Payment history
  • Transaction history 
  • Account transactions 
  • Checking account information                                            

When you are no longer our customer, we continue to share your information as described in this notice.

How?

All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Cornerstone Bank and Cornerstone Bancshares, Inc. chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information

Does Cornerstone Bank and Cornerstone Bancshares, Inc. share?

Can you limit this sharing?

For our everyday business purposes -

such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus

Yes

No

For our marketing purposes -

to offer our products and services to you

Yes

No

For joint marketing with other financial companies

No

We don't share

For our affiliates' everyday business purposes -

information about your transactions and experiences

No

We don't share

For our affiliates' everyday business purposes -

information about your creditworthiness

No

We don't share

For nonaffiliates to market to you

No

We don't share

Questions?

Call 404-601-1250 or go to www.Cornerstone.bank 






What We Do


How does Cornerstone Bank and Cornerstone Bancshares, Inc. protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.

We also maintain other physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate.

How does Cornerstone Bank and Cornerstone Bancshares, Inc. collect my personal information?

We collect your personal information, for example, when you

  • Open an account                                
  • Deposit money                                   
  • Apply for a loan
  • Provide account information
  • Give us your contact information

We also collect your personal information from others, such as credit bureaus, affiliates, or other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit only

  • sharing for affiliates' everyday business purposes - information about your creditworthiness
  • affiliates from using your information to market to you
  • sharing for non-affiliates to market to you

State laws and individual companies may give you additional rights to limit sharing.

Definitions


Affiliates

Companies related by common ownership or control. They can be financial and non-financial companies.

  • Cornerstone Bank and Cornerstone Bancshares, Inc. does not share with our affiliates.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and non-financial companies.

  • Cornerstone Bank and Cornerstone Bancshares, Inc. does not share with nonaffiliates so they can market to you.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

  • Cornerstone Bank and Cornerstone Bancshares, Inc. doesn't jointly market.

Other Important Information

For Alaska, Illinois, Maryland and North Dakota Clients. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization.


For California Clients. We will not share personal information with nonaffiliates either for them to market to you or for joint marketing - without your authorization. We will also limit our sharing of personal information about you with our affiliates to comply with all California privacy laws that apply to us.


For Massachusetts, Mississippi and New Jersey Clients. We will not share personal information from deposit or share relationships with nonaffiliates either for them to market to you or for joint marketing - without your authorization.


For Vermont Clients. We will not share personal information with nonaffiliates for them to market to you without your authorization and we will not share personal information with affiliates for joint marketing about your creditworthiness without your authorization.
For Nevada Clients. State law requires that we provide residents with the following contact information: Bureau of Consumer Protection, Office of the Nevada Attorney General, 555 E. Washington Street, Suite 3900, Las Vegas, NV 89101; Phone: 702.486.3132; Email: BCPINFO@ag.state.nv.us.

 

Do Not Call Policy. This notice is Cornerstone Bank's and Cornerstone Bancshares, Inc. Do Not Call Policy under the Telephone Consumer Protection Act. Cornerstone Bank abides by all federal and state regulations on telephone usage, maintains an internal Do Not Call list and makes no telemarketing calls to numbers on this list. All Do Not Call requests are implemented within 30 days and the selection is permanent - unless you elect to remove your number from the list. If you communicate with us by telephone, we may monitor or record the call.

Rev. July 2019