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Terms of Service



Welcome to Cornerstone Associates Insurance Services, Incorporated, an affiliate of Granite Insurance Services, Incorporated, referred to as “Cornerstone”. Our company provides its services to you, in accordance to the following Terms of Service ("TOS"), which Cornerstone may update on occasion without notice to you. In addition, when using, you and Cornerstone shall be subject to any posted guidelines or rules applicable to such service which may be posted from time to time. All such guidelines or rules are hereby incorporated by reference into the Terms of Service.


Cornerstone provides its web site visitors with information on the company and its services and links to its client web sites. Cornerstone provides businesses the opportunity to evaluate the company for a potential business relationship. Unless explicitly stated otherwise, any new features that augment or enhance the current Service shall be subject to the Terms of Service. You understand and agree that the Service is provided "as-is" and that Cornerstone assumes no responsibility for the timeliness, deletion, miss delivery or failure to store any user communications.

To use Cornerstone's service, you must have access to the World Wide Web, either directly or through devices that access web-based content, and pay any service fees associated with such access. You must also provide any equipment necessary to make such connection to the World Wide Web, including a computer and modem or other access device.


Certain information about you is subject to our Privacy Policy. For more information, please see our
Full Privacy Policy.


When you visit and send e-mail communication to our company, you are thereby consenting to receive communications from us electronically or by other means available, such as by telephone or by facsimile. It is further understood that all agreements, notices, disclosures and other communications that we provide to you electronically satisfy any legal requirement that such communication be in writing.


The Service may provide, or third parties may provide, links to other World Wide Web sites or resources. Because Cornerstone has no control over such sites and resources, you acknowledge and agree that Cornerstone is not responsible for the availability of such external sites or resources, and does not endorse and is not responsible or liable for any Content, advertising, products, or other materials on or available from such sites or resources. You further acknowledge and agree that Cornerstone shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such Content, goods or services available on or through any such site or resource.


The entire contents of this web site, including but not limited to: Text, graphics, logos, button icons, images, audio clips, digital downloads, data compilations, and software, are the property of Cornerstone, Inc. or its clients and are protected by Domestic and International copyright and trademark laws. You may not modify, copy, reproduce, republish, upload, post, transmit, or distribute any portion of the web site contents without the prior express written consent of Cornerstone.

You may print or download portions of the materials from various areas of this website solely for your own non-commercial use provided that you agree not to change or delete any copyright or proprietary notices from the materials. If you believe any content appearing on our web site constitutes a copyright infringement of another parties rights, please contact us immediately at to notify us of this infringement.

Your submissions of files including, but not limited to: Resumes, e-mail, flash movies, images, logos, audio loops, and other software hereby constitutes your agreement to grant Cornerstone a non-exclusive, royalty-free, worldwide, sub-licensable, perpetual license, to reproduce, distribute, transmit, modify, adapt, sub-license, and publicly display any such submissions. You also grant Cornerstone the right to utilize your NAME in connection with all advertising, marketing and promotional materials related thereto.


The Terms of Service constitute the entire agreement between you and Cornerstone and govern your use of the Service, superseding any prior agreements between you and Cornerstone. You also may be subject to additional terms and conditions that may apply when you use affiliate services, third-party content or third-party software. The Terms of Service and the relationship between you and Cornerstone shall be governed by the laws of the State of California without regard to its conflict of law provisions. You and Cornerstone agree to submit to the personal and exclusive jurisdiction of the courts located within the county of Placer, California. The failure of Cornerstone to exercise or enforce any right or provision of the Terms of Service shall not constitute a waiver of such right or provision. If any provision of the Terms of Service is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions of the Terms of Service remain in full force and effect. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Service or the Terms of Service must be filed within one (1) year after such claim or cause of action arose or be forever barred.

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