Privacy Policy
By using this website, submitting a form, downloading a guide, scheduling a consultation, using a calculator, or contacting Russell Tunick, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect information when you visit this website, complete a contact form, request information, schedule a consultation, download a guide, use a calculator tool, or communicate with Russell Tunick.
Personal Information
This may include:
- Name
- Email address
- Phone number
- Property address or property details
- Mortgage or loan-program interest
- Basic information voluntarily submitted through a form
- Information provided in a contact, inquiry, scheduling, calculator, download, or consultation form
Please do not submit sensitive personal information through a general website form unless specifically requested through a secure Go Rascal Inc. system. Sensitive information may include Social Security numbers, full loan application details, bank account numbers, tax documents, income documents, credit reports, or other private financial records.
Automatically Collected Information
This website may automatically collect certain information, including:
- IP address
- Browser type
- Device type
- General location data
- Cookies and tracking data
- Website usage analytics
- Pages visited
- General interaction data
2. How Your Information Is Used
Information submitted through this website may be used to:
- Respond to your inquiry
- Provide mortgage-related education
- Provide reverse mortgage, HECM, home equity, or mortgage-program information
- Schedule consultations or follow-up conversations
- Send requested educational guides or resources
- Send appointment reminders or inquiry-related follow-up communications
- Help understand whether a mortgage-related conversation may be appropriate
- Improve website functionality and user experience
- Maintain records of inquiries and communications
- Comply with federal and state lending, licensing, privacy, recordkeeping, and regulatory requirements
Submitting information through this website does not create a loan application unless and until you complete an official application through Go Rascal Inc.’s approved systems. All loan applications are subject to applicable underwriting, eligibility, investor, lender, program, property, and regulatory requirements.
3. Sharing of Information
Information may be shared only as reasonably necessary for the purposes described in this policy.
With Go Rascal Inc.
Information may be shared with Go Rascal Inc. for licensed mortgage activities, application support, compliance, processing, administrative support, communication, recordkeeping, or other mortgage-related purposes.
With Required Service Providers
Information may be shared with service providers involved in supporting your inquiry, communication, scheduling, website functionality, calculator use, guide delivery, secure application activity, or mortgage-related process. These may include technology providers, website service providers, form providers, email delivery providers, scheduling tools, CRM systems, calculator tools, lender-provided tools, verification providers, or other service providers needed to support your inquiry or loan process.
With Legal or Regulatory Authorities
Information may be shared when required to comply with applicable law, regulation, subpoena, audit, examination, investigation, licensing requirement, consumer protection requirement, or other legal or regulatory obligation.
4. SMS / Text Messaging Privacy
Russell Tunick may send SMS text message communications only to individuals who have explicitly opted in to receive them.
Opt-in consent may be collected through one or more of the following methods:
- A website form on russelltunick.com that includes a clearly visible, unchecked SMS consent checkbox
- A social media lead form, if used, that includes a separate unchecked SMS consent checkbox
- A direct written or electronic request to receive SMS communication
Consent to receive SMS messages is not required as a condition of obtaining a loan, product, or service.
If you opt in, you may receive transactional, informational, or inquiry-related text messages, such as consultation scheduling, appointment reminders, document reminders, application follow-up, or loan-related status updates. Promotional or marketing text messages may be sent only if you have separately opted in to receive such communications.
Message frequency may vary. Message and data rates may apply.
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, communication delivery, scheduling support, 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, or share mobile numbers, SMS consent records, or text messaging opt-in data for marketing or promotional purposes.
5. SMS Opt-Out Rights
You may opt out of SMS communications at any time by replying STOP to any text message. After you send STOP, you may receive a confirmation message that you have been unsubscribed. After this, you will no longer receive SMS messages from Russell Tunick unless you opt in again.
For help, reply HELP or contact Russell Tunick directly: [email protected] or (917) 538-7177.
Message and data rates may apply. Message frequency may vary.
6. We Do Not Sell Your Information
Russell Tunick does not sell your personal information. Russell Tunick does not sell, rent, trade, or release your personal information to unrelated third parties for marketing purposes. Russell Tunick does not share your mobile information or SMS consent with third parties or affiliates for marketing or promotional purposes.
7. How We Protect Your Information
We use reasonable administrative, technical, and physical safeguards designed to help protect information submitted through this website.
- Secure communication channels
- Restricted access to personal information
- Use of secure systems for mortgage application activity
- Encrypted storage systems where applicable
- Vendor and service provider limitations where applicable
- Compliance with Go Rascal Inc. security standards where applicable
No method of transmission over the internet or electronic storage is 100% secure. Please do not submit highly sensitive personal or financial information through a general website form.
8. Cookies and Tracking Technologies
russelltunick.com may use cookies, pixels, analytics tools, or similar technologies to improve website performance, understand user behavior, measure traffic and engagement, improve form performance, enhance user experience, and support advertising or lead attribution where legally permitted.
You may disable cookies in your browser settings. Some website features may not function as intended if cookies are disabled.
9. Your Choices and Rights
You may request access, correction, deletion where legally permitted, clarification about how your information is used, or removal from certain communications where applicable. Some information may need to be retained to comply with legal, licensing, regulatory, fraud-prevention, audit, recordkeeping, or mortgage-related obligations.
To make a request, contact Russell Tunick at [email protected] or (917) 538-7177.
10. State Privacy Rights
Depending on your state of residence and applicable law, you may have additional privacy rights regarding personal information collected through this website. These rights may include access, correction, deletion, portability, clarification about collection/use/retention/sharing, or opt-out of certain uses where applicable by law.
Russell Tunick will respond to privacy requests as required by applicable law and may need to verify your identity before fulfilling a request. Some information may be retained where necessary to comply with mortgage, licensing, legal, regulatory, fraud-prevention, audit, or recordkeeping obligations.
State privacy rights and business obligations may vary by law and may not apply in every circumstance.
11. Children’s Privacy
russelltunick.com does not knowingly collect information from individuals under the age of 18. If you believe information from an individual under 18 has been submitted through this website, please contact Russell Tunick so the information can be reviewed and addressed where appropriate.
12. External Links
This website may contain links to third-party websites, including Go Rascal Inc.’s secure loan application portal, reverse mortgage calculator tools, lender-provided tools, scheduling tools, government resources, or other mortgage-related resources. Russell Tunick is not responsible for the privacy practices, security, content, or policies of third-party websites. You should review the privacy policies and terms of those websites before submitting information.
Government & Licensing Disclosures
13. Government Disclosures
Russell Tunick and Go Rascal Inc. are not government agencies and are not affiliated with, sponsored by, or endorsed by FHA, HUD, VA, USDA, the United States government, or any government agency.
For information directly from HUD/FHA, visit:
https://www.hud.gov/guidance
For information directly from the VA, visit:
https://www.benefits.va.gov/HOMELOANS/
For information directly from the USDA, visit:
https://www.usda.gov/topics/farming/grants-and-loans
14. General Licensing Disclosures
Russell Tunick
Mortgage Loan Originator | Reverse Mortgage Specialist
NMLS #305398
Powered by Go Rascal Inc.
Company NMLS #2072896
185 Wythe Ave, Suite A2
Brooklyn, NY 11249
Phone: (917) 538-7177
Email: [email protected]
Equal Housing Lender
For licensing information, visit NMLS Consumer Access:
https://www.nmlsconsumeraccess.org/
Russell Tunick may provide mortgage-related education and loan origination services only in states where he is properly licensed and sponsored through Go Rascal Inc. Licensing, program availability, and state-specific requirements may vary.
Licensed States Listed for RussellTunick.com
- California
- Colorado
- Connecticut
- Florida
- Georgia
- Maine
- Maryland
- Nevada
- New Jersey
- New York
- Pennsylvania
All licensing information should be verified through NMLS Consumer Access and Go Rascal Inc. before publication or reliance.
15. Equal Housing and Fair Lending Disclosure
Go Rascal Inc., an Equal Housing Opportunity company, is committed to fair and ethical business practices.
In compliance with federal law, Go Rascal Inc. does not discriminate based on race, color, religion, national origin, sex, marital status, age provided the applicant can enter into a binding contract, source of income including public assistance programs, or the good faith exercise of rights under the Consumer Credit Protection Act.
Compliance with these federal laws is overseen by the Federal Trade Commission, Equal Credit Opportunity, Washington, DC 20580.
Go Rascal Inc. operates as a licensed mortgage broker and mortgage lender.
Mortgage and Reverse Mortgage Disclosures
This website is for educational and informational purposes only and does not constitute a loan approval, loan offer, rate lock, commitment to lend, guaranteed loan term, guaranteed program eligibility, or final underwriting decision.
All loans are arranged through third-party lenders and are subject to credit approval, underwriting guidelines, program eligibility, borrower eligibility, property eligibility, verification of information, investor and lender requirements, and applicable federal and state regulations.
Prequalification is not a commitment to lend or a final loan approval.
Reverse mortgages are not right for everyone. Borrowers must continue to meet loan obligations, which may include living in the home as the primary residence, maintaining the property, and paying required property charges such as property taxes, homeowners insurance, flood insurance where applicable, HOA dues, condominium dues, and other applicable charges.
Reverse mortgage estimates, calculator results, educational examples, illustrations, and guide materials are not final loan terms and should not be relied upon as approval, eligibility confirmation, available proceeds, or a commitment to lend.
This website is not intended to provide financial, tax, legal, estate-planning, or investment advice. Please consult qualified professionals regarding your individual situation.
