Terms of Use

Last Updated: June 2026

Welcome to russelltunick.com, referred to in these Terms of Use as “the Website.” By accessing or using this Website, you agree to these Terms of Use. If you do not agree, please discontinue use of the Website. These Terms of Use apply to visitors, consumers, referral partners, professional partners, and users of https://russelltunick.com. This Website is maintained as an educational and communication resource for: Russell Tunick Mortgage Loan Originator Reverse Mortgage Specialist NMLS #305398 Go Rascal Inc. Company NMLS #2072896 Equal Housing Lender

1. Website Purpose

russelltunick.com is an educational and communication resource designed to help visitors understand reverse mortgages, home equity options, mortgage concepts, loan program options, and the mortgage inquiry process. This Website may provide general information about reverse mortgages, HECM, proprietary reverse mortgage options, VA, FHA, conventional, and other mortgage-related programs. It is not a loan application system and does not provide financial, tax, legal, estate planning, or underwriting advice. All official mortgage applications, credit authorizations, document uploads, and secure loan processing must occur through Go Rascal Inc.’s approved secure systems.

2. No Loan Approval or Commitment to Lend

Nothing on this Website constitutes: A mortgage loan approval A loan offer A commitment to lend A guaranteed interest rate A guaranteed loan term A guaranteed program approval A final underwriting decision A final preapproval or loan commitment A promise of reverse mortgage eligibility or proceeds All loans are subject to: Credit review Verification of income, assets, employment, property information, and other required information Program eligibility Borrower eligibility Property eligibility Underwriting approval Investor and lender requirements Federal and state lending regulations Go Rascal Inc. policies and procedures Prequalification is not a final approval or loan commitment. Reverse mortgage estimates, calculator results, educational examples, or general illustrations are not final loan terms and should not be relied upon as approval, eligibility confirmation, or a commitment to lend.

3. Educational Content Only

All content related to reverse mortgages, HECM, proprietary reverse mortgages, home equity options, VA, FHA, conventional, or alternative loan programs is provided for general educational and informational purposes only. Mortgage guidelines, rates, fees, program requirements, reverse mortgage rules, underwriting policies, and lender requirements may change based on: Federal guidance State requirements Investor updates Market conditions Lender overlays Underwriting policies Program-specific rules Product-specific rules Visitors should not rely solely on Website content when making financial, housing, tax, legal, estate, or mortgage decisions. Please speak directly with a licensed mortgage professional regarding your specific situation. You should also consult your own tax, legal, financial, or estate planning professional when appropriate.

4. Licensed States and Availability

Russell Tunick is based in New York and may provide mortgage-related education and loan origination services only in states where he is properly licensed and sponsored through Go Rascal Inc. Based on current working project information, Russell Tunick is expected to be licensed in:

New York

New Jersey

Connecticut

Maryland

California

Colorado

Florida

Nevada

Georgia

Maine

This state list should be verified through NMLS Consumer Access and Go Rascal Inc. before publication. Licensing, program availability, product availability, and state-specific requirements may vary by property location, borrower circumstances, investor requirements, lender requirements, and applicable law. Visitors should confirm current licensing and availability directly with Russell Tunick, Go Rascal Inc., NMLS Consumer Access, or the applicable state regulator before relying on state-specific information.

5. User Responsibilities

By accessing or using this Website, you agree to: Use the Website for lawful and educational purposes Provide accurate information when submitting inquiries Not submit false, misleading, incomplete, or unauthorized information Not rely on Website content as financial, legal, tax, estate planning, or underwriting advice Not attempt to bypass Website security Not copy, scrape, reproduce, or misuse proprietary Website content Not interfere with the operation, security, or availability of the Website Not submit another person’s information without proper authorization

6. Accuracy of Information

Russell Tunick makes reasonable efforts to keep Website content accurate and updated. However, the Website may occasionally contain outdated information, errors, omissions, or generalized content that may not apply to your individual financial, property, family, or mortgage situation. Mortgage guidelines and reverse mortgage program requirements can change. Visitors are responsible for confirming information directly with Russell Tunick, Go Rascal Inc., or another properly licensed mortgage professional.

7. Secure Document Transmission

Do not upload, submit, or send sensitive documents through unsecured email, public forms, text message, or general Website contact forms. Sensitive documents may include: Bank statements Tax returns Pay stubs W-2s or 1099s Government identification Social Security numbers Credit documents Asset documentation Mortgage statements Insurance documents Property tax records Divorce decrees or legal documents Trust, estate, probate, or power of attorney documents Any other private financial, legal, medical, identity-related, or property-related documents All sensitive documents should be submitted only through Go Rascal Inc.’s secure borrower portal or another approved secure system. This helps protect personal financial information and supports responsible data handling practices.

8. Consent to Contact

By submitting your contact information through this Website, requesting information, scheduling a consultation, downloading a guide, using a form, or otherwise contacting Russell Tunick, you consent to be contacted regarding your mortgage inquiry or educational request. This may include communication by: Phone call

Email

Text message

Voicemail

Appointment reminder Loan-related follow-up communication Educational follow-up related to your inquiry Consent to receive text messages is not required as a condition of obtaining a loan, product, or service.

9. SMS Terms of Service

You must be 18 years of age or older to use this SMS service. By opting in to receive SMS messages from Russell Tunick, you confirm that you are at least 18 years of age. Russell Tunick may send SMS text messages to users who provide their mobile number and opt in to receive text communication. Depending on the approved communication system used, SMS communications may be sent by Russell Tunick, Go Rascal Inc., or an approved communication service provider supporting the inquiry or loan process. The Russell Tunick SMS program may include messages related to: Mortgage inquiries Reverse mortgage education inquiries Consultation scheduling Appointment reminders Document reminders Application follow-up Loan-related status updates General mortgage-related communication connected to your inquiry Educational follow-up connected to your request Message frequency may vary based on your inquiry, appointment activity, and loan process status. Message and data rates may apply. For questions about your text or data plan, please contact your wireless provider. You may cancel SMS service at any time. Reply STOP to unsubscribe. After you send STOP, a confirmation message may be sent to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from Russell Tunick unless you opt in again. To rejoin the SMS program after opting out, you may submit a new Website form, request SMS communication again, or otherwise provide new consent to receive text messages.

For help, reply HELP or contact Russell Tunick directly at:

Email: [email protected] Phone: (917) 538-7177 Carriers are not liable for delayed or undelivered messages. For privacy-related questions, please review the Website Privacy Policy.

10. SMS Privacy Notice

No mobile information will be shared with third parties or affiliates for marketing or promotional purposes. Information sharing to subcontractors in support services, such as customer service, CRM support, scheduling support, communication delivery, or text message service providers, is permitted only as necessary to support Russell Tunick communications. All the above categories exclude text messaging originator opt-in data and consent. This information will not be shared with any third parties, excluding aggregators and providers of text message services as necessary to deliver SMS communications. Russell Tunick does not sell, rent, trade, buy, or share mobile numbers, SMS consent records, or text messaging opt-in data for marketing or promotional purposes.

11. Privacy and Data Use

Any information submitted through this Website is handled according to the Russell Tunick Privacy Policy. Information submitted through this Website may be used to: Respond to your inquiry Provide mortgage-related assistance Provide reverse mortgage education Schedule appointments Send loan-related communication Support secure mortgage application steps through Go Rascal Inc. Comply with legal, licensing, and regulatory obligations Please review the Privacy Policy.

12. External Links and Outside Tools

russelltunick.com may include links to outside websites, secure portals, scheduling tools, mortgage education resources, reverse mortgage calculator tools, lender-provided tools, Go Rascal Inc.’s secure loan application systems, or other third-party resources. Russell Tunick does not control outside websites or systems and is not responsible for their content, privacy practices, security practices, accuracy, availability, calculator assumptions, or data handling practices. Users access outside links and outside tools at their own discretion. Before submitting information to any third-party tool, calculator, portal, or linked website, users should review that provider’s privacy policy and terms.

13. Equal Housing and Non-Discrimination Disclosure

Go Rascal Inc. and Russell Tunick support fair lending and equal housing principles. Discrimination is prohibited based on:

Race

Color

Religion

National origin

Sex

Disability

Familial status Age, where protected by applicable law Marital status, where protected by applicable law Receipt of public assistance income, where protected by applicable law Exercise of rights under applicable consumer credit protection laws Any other class protected by applicable federal, state, or local law This Website and related lending communications are intended to comply with the Fair Housing Act, the Equal Credit Opportunity Act, and applicable mortgage lending requirements.

14. Borrower Rights and Responsibilities

Your Rights

Borrowers and prospective borrowers have the right to: Clear explanations of loan options Fair treatment under applicable lending laws Secure handling of personal information Required mortgage disclosures when applicable The opportunity to ask questions throughout the process Accurate information about the next steps in the loan process The opportunity to review loan terms and disclosures before making decisions

Your Responsibilities

Borrowers and prospective borrowers are responsible for: Providing accurate information Promptly submitting requested documentation through secure systems Reviewing disclosures carefully Asking questions when something is unclear Updating Russell Tunick or Go Rascal Inc. if financial circumstances change Using secure channels for private financial documents Consulting tax, legal, financial, or estate planning professionals when appropriate

15. Referral Partner and RESPA Compliance

Russell Tunick complies with the Real Estate Settlement Procedures Act, known as RESPA. Russell Tunick does not provide referral fees, split commissions, or things of value in exchange for mortgage referrals.

Permitted professional collaboration may include:

Educational events Shared-cost seminars where legally permitted General mortgage education Informational materials Client communication support Loan process updates when authorized by the borrower Reverse mortgage education for professional partners Realtors, financial advisors, attorneys, CPAs, elder care professionals, and other professional partners operate independently and are not compensated by Russell Tunick for referrals. Nothing on this Website is intended to create or imply a paid referral arrangement.

16. Complaints and Consumer Assistance

If you have concerns about your mortgage experience, please contact: Russell Tunick Email: [email protected] Phone: (917) 538-7177 You may also contact Go Rascal Inc. through its official consumer assistance, grievance, or compliance channels where applicable. If your inquiry or transaction involves New York, you may also contact: New York State Department of Financial Services Consumer Assistance Unit Phone: 800-342-3736 Consumers may also contact the applicable state regulator listed in Go Rascal Inc.’s Government and Licensing Disclosures for the state connected to their inquiry or transaction. You may also contact:

Consumer Financial Protection Bureau Phone: 855-411-2372

17. Intellectual Property

All content on this Website, including text, branding, layout, graphics, logos, educational materials, downloadable guides, resource materials, and Website design elements, is owned by Russell Tunick, russelltunick.com/staging/5407/, Go Rascal Inc., or used with permission. No portion of this Website may be copied, reproduced, republished, modified, distributed, or used for commercial purposes without written authorization, except as permitted by law. © 2026 russelltunick.com. All Rights Reserved. russelltunick.com and Russell Tunick may be used as website branding associated with Russell Tunick’s mortgage-related educational and communication services, subject to applicable Go Rascal Inc. compliance, branding, and publication requirements.

18. Limitation of Liability

Russell Tunick and Go Rascal Inc. are not liable for: Damages arising from use of the Website Inability to access or use the Website Actions taken based on Website content Errors, omissions, or outdated information Outside links or outside tools Calculator estimates or third-party tool assumptions Technical failures or interruptions Delayed or undelivered messages Unauthorized access caused by user error or insecure user communication methods Decisions made without speaking directly to a licensed mortgage professional Users assume responsibility for evaluating Website information and confirming mortgage-related details with a licensed mortgage professional.

19. Indemnification

By using this Website, you agree to hold harmless Russell Tunick and Go Rascal Inc. from claims, losses, damages, costs, or expenses resulting from: Your use of the Website Your violation of these Terms of Use Your misuse of Website content Your submission of inaccurate or unauthorized information Your violation of applicable law Your use of unsecured communication methods to transmit sensitive information

20. Governing Law

These Terms of Use are governed by applicable federal law and the laws of the State of New York, without regard to conflict-of-law principles, unless another jurisdiction’s law applies to a specific consumer, transaction, regulator, or claim. Any disputes related to these Terms of Use or the use of this Website shall be handled according to applicable law and proper legal venue. This governing-law section should be reviewed and confirmed by Go Rascal Inc. and legal or compliance reviewers before publication.

21. Modifications to These Terms of Use

These Terms of Use may be updated periodically. Changes will be posted on this page with an updated revision date. Your continued use of the Website after changes are posted means you accept the revised Terms of Use.

22. Contact Information

For questions regarding these Terms of Use, please contact: Russell Tunick Mortgage Loan Originator Reverse Mortgage Specialist NMLS #305398 Licensed through Go Rascal Inc. Company NMLS #2072896 Email: [email protected] Phone: (917) 538-7177