Terms of Use | Cornerstone Home Lending

Cornerstone Website Terms of Use

Last Updated: November 21, 2024

Acceptance of Terms
These Website Terms of Use (these "Terms") govern your access to websites and related services operated by or on behalf of Cornerstone Capital Bank, SSB and its subsidiaries and affiliates ("Cornerstone" "we" or "us"). These Terms are important and affect your legal rights, so please read them carefully. Note that Section 14 of these Terms contains a mandatory arbitration provision that requires the use of arbitration on an individual basis and limits the remedies available to you in the event of certain disputes.

By accessing or using www.houseloan.com, www.cornerstonecapital.com, www.rsb.bank, www.cornerstoneservicing.com, and our various related websites and services (collectively, the "Cornerstone Services"), you agree to be bound by these Terms and all of the terms incorporated herein by reference.

You must be 18 years of age or older and reside in the United States or any of its territories to use the Cornerstone Services. By accepting these Terms, you represent that you have the legal authority to do so, and that, if you have accepted these Terms on behalf of any person or entity, you represent that you have legal authority to do so and that such person or entity agrees to be responsible to us if you or such person or entity violates these Terms. If you do not agree to every provision of these Terms, you may not, and we do not authorize you to, access or use the Cornerstone Services or any features provided therein.

By accessing or using the Cornerstone Services, you represent and warrant that you have not been previously suspended or removed from the Cornerstone Services or engaged in any activity that could result in suspension or removal from the Cornerstone Services.

You should not construe Cornerstone's publication of any content found on the Cornerstone Services as an endorsement by Cornerstone of the views expressed therein, or any warranty or guarantee of any strategy, recommendation, treatment, action, or application of medication or preparation made by the author of such content.

We may revise these Terms at any time for any reason and may provide you notice of these changes by any reasonable means, including through the Cornerstone Services. You can determine when we last updated these Terms by referring to the "Last Updated" legend at the top of these Terms. Except to the extent that your express consent to any revised Terms is required under applicable law, by continuing to access, browse or use the Cornerstone Services, you agree to any revised Terms. If you do not agree to any revised Terms, you may not and we do not authorize you to use the Cornerstone Services. We strongly recommend that you periodically visit this page to review these Terms.
User Registration
In order to access and use certain areas or features of the Cornerstone Services, you may need to provide certain information and/or answer certain questions. Each registration is for a single user only.

You agree to (a) provide accurate, current and complete information, (b) maintain and promptly update, as necessary, your information, (c) be responsible for the acts or omissions of any third party who has authority to access or use the Cornerstone Services on your behalf, and (d) immediately notify us if you discover or otherwise suspect any security breaches related to the Cornerstone Services. If you provide information that is untrue, inaccurate, not current or incomplete, we may suspend and/or terminate your current or future use of the Cornerstone Services.

By providing information and/or answering questions, you also consent to receive electronic communications from Cornerstone (e.g., via email or by posting notices to the Cornerstone Services). You should maintain copies of electronic communications from us by printing a paper copy or saving an electronic copy.

We may also send you promotional communications via email, including, but not limited to, newsletters, special offers, surveys and other news and information we think will be of interest to you. You may opt out of receiving these promotional emails at any time by following the unsubscribe instructions provided therein.
Right to Access and Use the Cornerstone Services and Content
Unless otherwise indicated in writing by us, the Cornerstone Services and all content and other materials contained therein, including, without limitation, any Cornerstone service mark or logo and all designs, text, graphics, pictures, information, data, software, other files and the selection and arrangement thereof (collectively, "Content") are the property of Cornerstone or our licensors or users, as applicable, and are protected by U.S. and international copyright and other laws.

Subject to these Terms, you are hereby granted a limited personal, revocable, non-exclusive, non-transferable, non-sublicensable right to access, view and make personal, non-commercial use of the Cornerstone Services and Content. All rights not expressly granted herein are reserved. You do not acquire any ownership interest in the Cornerstone Services or Content under these Terms, or any other rights thereto other than to use the Cornerstone Services in accordance with the rights granted by, and subject to all terms, conditions and restrictions of these Terms.

You do not have any right to, and you shall not, directly or indirectly: (a) sell, resell or use commercially the Cornerstone Services or Content, (b) distribute, publicly perform or publicly display the Cornerstone Services or any Content, (c) modify or otherwise make any derivative uses of the Cornerstone Services or Content, or any portion thereof, (d) use any data mining, robots or similar data gathering or extraction methods, (e) download (other than page caching) any portion of the Cornerstone Services or Content, except as expressly permitted by us, (f) use the Cornerstone Services to stalk, threaten, or otherwise violate the rights of others, including without limitation others' privacy rights or rights of publicity; (g) interfere with the Cornerstone Services or servers or networks used in connection with the Cornerstone Services; or (h) use the Cornerstone Services or Content other than for their intended purposes.

Any use of the Cornerstone Services or Content other than as specifically authorized herein, without our prior written permission, is strictly prohibited and will terminate the right of access and use granted herein. Such unauthorized use may also violate applicable laws, including, without limitation, copyright and trademark laws and applicable communications regulations and statutes. Except as expressly permitted herein, nothing in these Terms shall be construed as conferring any right or license to any patent, trademark, copyright or other proprietary rights of Cornerstone or any third party, whether by estoppel, implication or otherwise.

You will not remove, alter or conceal any copyright, trademark, service mark or other proprietary rights notices incorporated in or accompanying any Content and you will not reproduce, modify, adapt, prepare derivative works based on, perform, display, publish, distribute, transmit, broadcast, sell, license or otherwise exploit any Content.

We reserve the right in our sole discretion to modify, suspend or discontinue, temporarily or permanently, the Cornerstone Services (or any features or parts thereof) at any time.
Text Messaging Consent

By providing your phone number and opting in through our website, you consent to receive marketing text messages from Cornerstone regarding services related to residential home loans, mortgage servicing, insurance, and banking services. These messages may include updates on loan status, payment reminders, promotional offers, customer support, and other relevant information pertaining to your account or services you have requested. Please note that carrier data rates and message fees may apply when you receive text messages from us. Standard messaging rates, data charges, or other fees may be charged by your mobile carrier for receiving text messages. You are responsible for any such charges incurred through your mobile phone provider.

Frequency of Text Messages

By opting in to receive text messages, you agree that the frequency of text messages will generally range from 1 to 3 messages per week. The exact frequency may vary based on your interactions with our services or any additional requests made.

Opt-In Process

To opt in to receive text messages, you must enter your phone number on our website and confirm your consent to receive text messages. You will be required to acknowledge this consent before you can proceed with using certain services that involve text messaging.

Opt-Out Process

You may opt out of receiving text messages at any time. To stop receiving text messages, reply with "STOP" to any message we send. Alternatively, you can contact our customer service team to stop receiving further messages. Upon opting out, you will no longer receive text messages from us, except for those related to legal or contractual obligations.

Privacy & Security

Your privacy is important to us. We will not share or sell your phone number with third parties, except as required to fulfill the services described above or as outlined in our Privacy Policy. All text messages sent by Cornerstone will comply with applicable laws and regulations regarding text message marketing and communication.
Trademarks
The Cornerstone logo, and any other Cornerstone product or service names, trademarks, logos, or other indicia that may appear on the Cornerstone Services ("Marks") are the property of Cornerstone or its subsidiaries, affiliates or third parties, and may not be copied, imitated or used, in whole or in part, without our prior written permission. Nothing contained in these Terms and/or the Cornerstone Services shall be construed as granting, by implication or otherwise, any license or right to use any such Marks without the prior written permission of Cornerstone or such third party that may own such Marks.
Legal Requirements; Privacy Policy
Our Privacy Policy describes how we handle the personal information you provide to us when you use the Cornerstone Services. For an explanation of our privacy practices, please visit our Privacy Policy located at https://www.houseloan.com/privacy-notice/.
User Content
You are solely responsible and liable for all data, information and other materials ("User Content") that you submit, upload, post, e-mail or otherwise transmit ("Transmit") in connection with the Cornerstone Services. In addition, we have no control over, and shall have no liability for, any damages resulting from the use (including without limitation, republication) or misuse by any third party of information made public through the Cornerstone Services. IF YOU CHOOSE TO SUBMIT TO US, OR OTHERWISE MAKE ANY USER CONTENT PUBLICLY AVAILABLE, YOU DO SO AT YOUR OWN RISK AND WE SHALL HAVE NO LIABILITY THEREFOR.

You agree that you will not, and will not permit anyone else to, directly or indirectly: (a) Transmit any User Content that is unlawful, harmful, threatening, abusive, hateful, obscene, harassing, tortious, defamatory, libelous, slanderous, pornographic, profane, vulgar, offensive, lewd, invasive of another's privacy or racially, ethnically or otherwise objectionable; (b) Transmit any User Content: (i) that you do not have the right to Transmit, under any law or contractual or fiduciary relationships, including, without limitation, any inside information or proprietary or confidential information; (ii) that infringes any patent, copyright, trademark or other intellectual property right or misappropriates any trade secret or right of privacy of any third-party; (iii) that constitutes unsolicited or unauthorized advertising or promotional materials, "spam," "chain letters," or pyramid schemes; or (iv) that contains any software routine, code, instruction or virus that is designed to disable, delete, modify, damage or erase software, hardware or data; or (c) forge headers or otherwise manipulate identifiers in order to disguise any User Content Transmitted through the Cornerstone Services.

Although we have no obligation to screen, edit or monitor User Content, we reserve the right, and have absolute discretion, to remove, screen or edit User Content posted or stored on the Cornerstone Services at any time and for any reason, and you are solely responsible for creating backup copies of and replacing any User Content you post or store on the Cornerstone Services at your sole cost and expense.
Rights in User Content
We do not claim any ownership interest in User Content. However, by uploading, posting or submitting User Content to the Cornerstone Services or to our pages or feeds on third-party social media platforms (e.g., Cornerstone's Facebook page, LinkedIn page or X formerly Twitter feed), you hereby grant Cornerstone a nonexclusive, royalty-free, worldwide, perpetual, irrevocable and fully sublicensable right and license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, perform and publicly display your User Content, in whole or in part, in any manner or media and for any purpose whatsoever at our sole discretion, including, without limitation, for publicity, promotional, advertising, trade, business, illustration, artistic and other commercial and noncommercial purposes. However, Cornerstone will only share personal information that you provide in accordance with our Privacy Policy.

You agree that Cornerstone may disclose or use any User Content for any purposes permitted under applicable law, including, but not limited to: (a) enforcing these Terms; (b) complying with any laws, regulations or rules of any federal, state or local government or agency; (c) responding to claims that any User Content violates the rights of third parties; or (d) protecting the rights or property of Cornerstone, its customers or the public.
Feedback
Separate and apart from User Content, you can submit questions, comments, suggestions, ideas, original or creative materials or other information about Cornerstone, or the Cornerstone Services (collectively, "Feedback"). Feedback shall become the sole property of Cornerstone. Cornerstone shall own exclusive rights, including, without limitation, all intellectual property rights, in and to Feedback and shall be entitled to the unrestricted use and dissemination of Feedback for any purpose, commercial or otherwise, without acknowledgment or compensation to you.
Third-Party Sites
We have not reviewed all of the websites linked to the Cornerstone Services and are not responsible for the content of any third-party pages, any other websites linked to the Cornerstone Services, or any products or services offered by third parties. Nothing in the Cornerstone Services, including, without limitation, any links to other websites, should be construed as an endorsement by Cornerstone of any products, services or information of any other persons or companies. Your choice to access a link to any other website is at your own risk, and you agree to comply with all terms and conditions relating to such websites. Cornerstone reserves the right not to link, or to remove the link, to a particular website at any time.

Any links to third-party websites are provided as a convenience to you and are neither owned nor operated by Cornerstone. We have no control over these linked websites and make no representations or warranties with respect to these linked websites or third-party products or services. Your viewing and use of any third-party websites is at your sole discretion and risk.
Indemnification
You shall indemnify, hold harmless, and, at Cornerstone's option, defend Cornerstone and its affiliates and subsidiaries from and against any and all losses, damages, liabilities, costs (including reasonable attorneys' fees) ("Losses") incurred by Cornerstone resulting from any third-party claim, suit, action or proceeding relating to or arising from your use of the Cornerstone Services, any User Content, any Feedback you provide, any violation of these Terms by you, or any other act or omission by you, including your violation of any rights of another, arising from your use of the Cornerstone Services or any of its features. You further agree that Cornerstone shall have control of the defense or settlement of any third-party claims unless Cornerstone exercises its option to require you to defend Cornerstone. This indemnity is in addition to, and not in lieu of, any other indemnities set forth in a written agreement between you and Cornerstone.
General Disclaimers
THE CORNERSTONE SERVICES AND THE CONTENT ARE PROVIDED ON AN "AS IS", "AS AVAILABLE" AND "WITH ALL FAULTS" BASIS. TO THE FULLEST EXTENT PERMISSIBLE BY LAW, CORNERSTONE DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES OR ENDORSEMENTS OF ANY KIND WHATSOEVER, EXPRESS OR IMPLIED, AS TO: (A) THE CORNERSTONE SERVICES; (B) CONTENT; (C) USER CONTENT; OR (D) SECURITY ASSOCIATED WITH THE TRANSMISSION OF INFORMATION TO OR FROM THE CORNERSTONE SERVICES. CORNERSTONE HEREBY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, THAT ANY RESULTS WILL BE ACHIEVED, NON-INFRINGEMENT, TITLE, CUSTOM, TRADE, QUIET ENJOYMENT, SYSTEM INTEGRATION AND FREEDOM FROM COMPUTER VIRUS.

CORNERSTONE DOES NOT REPRESENT OR WARRANT THAT THE CORNERSTONE SERVICES WILL BE ERROR-FREE OR UNINTERRUPTED; THAT DEFECTS WILL BE CORRECTED; OR THAT THE CORNERSTONE SERVICES OR THE SERVERS THAT MAKE THE CORNERSTONE SERVICES AVAILABLE ARE FREE FROM ANY HARMFUL COMPONENTS, INCLUDING, WITHOUT LIMITATION, VIRUSES. CORNERSTONE DOES NOT MAKE ANY REPRESENTATIONS OR WARRANTIES THAT THE INFORMATION (INCLUDING ANY INSTRUCTIONS) ON THE CORNERSTONE SERVICES IS ACCURATE, COMPLETE, OR USEFUL. YOU ACKNOWLEDGE THAT YOUR USE OF THE CORNERSTONE SERVICES IS AT YOUR SOLE RISK. CORNERSTONE DOES NOT WARRANT THAT YOUR USE OF THE CORNERSTONE SERVICES IS LAWFUL IN ANY PARTICULAR JURISDICTION. CORNERSTONE SPECIFICALLY DISCLAIMS ALL SUCH WARRANTIES. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO YOU TO THE EXTENT SUCH JURISDICTION'S LAW IS APPLICABLE TO YOU AND THESE TERMS.

BY ACCESSING OR USING THE CORNERSTONE SERVICES YOU REPRESENT AND WARRANT THAT YOUR ACTIVITIES ARE LAWFUL IN EVERY JURISDICTION WHERE YOU ACCESS OR USE THE CORNERSTONE SERVICES.
Limitation of Liability; Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL CORNERSTONE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES OF ANY KIND (INCLUDING, BUT NOT LIMITED TO, LOSS OF REVENUE, INCOME OR PROFITS, LOSS OF USE OR DATA, LOSS OR DIMINUTION IN VALUE OF ASSETS OR SECURITIES, OR DAMAGES FOR BUSINESS INTERRUPTION) ARISING OUT OF OR IN ANY WAY RELATED TO THE ACCESS TO OR USE OF THE CORNERSTONE SERVICES (INCLUDING, BUT NOT LIMITED TO, USER CONTENT AND LINKS TO THIRD-PARTY WEBSITES), OR THE ORDER, RECEIPT OR USE OF ANY PRODUCT OR SERVICE, OR OTHERWISE RELATED TO THESE TERMS (INCLUDING, BUT NOT LIMITED TO, ANY DAMAGES CAUSED BY OR RESULTING FROM RELIANCE ON ANY INFORMATION OBTAINED FROM CORNERSTONE, OR FROM EVENTS BEYOND CORNERSTONE'S REASONABLE CONTROL, REGARDLESS OF THE FORM OF ACTION, WHETHER BASED IN CONTRACT, TORT (INCLUDING, BUT NOT LIMITED TO, SIMPLE NEGLIGENCE, WHETHER ACTIVE, PASSIVE OR IMPUTED) OR ANY OTHER LEGAL OR EQUITABLE THEORY, EVEN IF CORNERSTONE HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE).

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE MAXIMUM AGGREGATE LIABILITY OF CORNERSTONE ARISING OUT OF OR IN ANY WAY RELATED TO THE CORNERSTONE SERVICES EXCEED ONE HUNDRED DOLLARS ($100). THE FOREGOING LIMITATIONS SHALL APPLY EVEN IN THE EVENT YOUR REMEDIES HEREUNDER FAIL OF THEIR ESSENTIAL PURPOSE, AND THE FOREGOING SHALL CONSTITUTE CORNERSTONE'S SOLE LIABILITY AND OBLIGATION IN RESPECT HEREOF.

IF YOU ARE A CALIFORNIA RESIDENT, YOU HEREBY WAIVE YOUR RIGHTS UNDER CALIFORNIA CIVIL CODE 1542, WHICH STATES "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOES NOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE AND THAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITH THE DEBTOR OR RELEASED PARTY."
Arbitration
PLEASE READ THE FOLLOWING SECTION CAREFULLY BECAUSE IT REQUIRES YOU TO ARBITRATE CERTAIN DISPUTES AND CLAIMS WITH CORNERSTONE AND LIMITS THE MANNER IN WHICH YOU CAN SEEK RELIEF FROM US.

YOU AND CORNERSTONE AGREE THAT ANY DISPUTE, CLAIM OR CONTROVERSY ARISING OUT OF OR RELATING IN ANY WAY TO THESE TERMS OR THE CORNERSTONE SERVICES SHALL BE FINALLY DECIDED BY BINDING ARBITRATION UNDER THE RULES OF THE AMERICAN ARBITRATION ASSOCIATION GOVERNING CONSUMER DISPUTES.

Arbitration uses a single, neutral arbitrator to decide a dispute (instead of a judge or jury); arbitration allows for more limited discovery than in a court case; and the arbitration process and result is subject to very limited review by courts. In an arbitration you have the right, at your expense, to be represented by an attorney of your choosing. Arbitrators can award the same damages and relief under these Terms that a court can award under these Terms. You and Cornerstone agree that any in-person arbitral hearing would occur in the United States in the same county and state as your billing address. Cornerstone further agrees that your filing fee for an arbitration will be capped at the amount set by the American Arbitration Association. You agree that, by agreeing to these Terms, the U.S. Federal Arbitration Act governs the interpretation and enforcement of this provision, and that you and Cornerstone are each waiving the right to a trial by jury and/or to participate in a class action. This arbitration provision shall survive termination of these Terms and the termination of your use of the Cornerstone Services. Further, unless both you and Cornerstone agree otherwise, the arbitrator may not join or consolidate more than one person's claims with your claims and may not otherwise preside over any form of a representative or class proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void. The arbitrator may award declaratory or injunctive relief only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.
Class Action Waiver

REGARDLESS OF THE FORUM, YOU AND CORNERSTONE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Termination
Notwithstanding anything contained in these Terms, we reserve the right, without notice and in our sole discretion, to terminate your right to access or use the Cornerstone Services at any time and for any or no reason, and you acknowledge and agree that in such event we shall have no liability or obligation to you.
Governing Law and Jurisdiction
Cornerstone operates the Cornerstone Services from Houston, Texas, U.S.A. These Terms and the transactions they contemplate, including without limitation their interpretation, construction, performance and enforcement, shall be governed by the laws of the State of Texas, U.S.A., including its statutes of limitations, but without reference to conflict or choice of law provisions. The International Convention on the Sale of Goods, and other international treaties that are not mandatory with respect to contracts made and performed entirely in Texas shall not apply.
Notice
All notices, demands, or consents given by you under these Terms will be in writing and will be deemed given when delivered to Cornerstone at the following contact: [email protected]. Any notices to you may be made via either e-mail or postal mail to the address in Cornerstone's records or via posting on the Cornerstone Services. You agree that any notices, agreements, disclosures or other communications that we send to you electronically will satisfy any legal communication requirements, including, but not limited to, that such communications be in writing.

Persons with disabilities who need assistance accessing these Terms may contact us as provided for in this Section, and depending on your individual needs, we will grant reasonable requests to furnish these Terms in an alternative format.
Severability
If any term, clause or provision of these Terms is held invalid or unenforceable, then that term, clause or provision will be severable from these Terms and will not affect the validity or enforceability of any remaining part of that term, clause or provision, or any other term, clause or provision of these Terms.
Miscellaneous
The Cornerstone Services are hosted in the United States of America. If you are located outside of the United States of America and you contact us, please be advised that any information you provide to us will be transferred to the United States of America and that by submitting information, you explicitly authorize such transfer. These Terms constitute the entire agreement between you and Cornerstone relating to your access to and use of the Cornerstone Services. These Terms, and any rights granted hereunder, may not be transferred or assigned by you without the prior written consent of Cornerstone. No waiver of any provision of these Terms will constitute a waiver of such provision in any prior, concurrent or subsequent circumstance, and Cornerstone's failure to assert any right or provision under these Terms shall not constitute a waiver of such right or provision. Except as otherwise provided herein, these Terms are intended solely for the benefit of the parties and are not intended to confer third-party beneficiary rights upon any other person or entity.