Russell Tunick Privacy Policy
This Privacy Policy explains how Russell Tunick collects, uses, and protects your information. Russell Tunick is a Mortgage Loan Originator with Go Rascal Inc. and is committed to transparency, privacy, and responsible data handling practices.
This Privacy Policy is intended to explain how information submitted through RussellTunick.com may be collected and used. It does not replace any official privacy notices, loan disclosures, authorization forms, or secure application documents provided by Go Rascal Inc. during the mortgage application process.
By using this website, submitting a form, or contacting Russell Tunick, you consent to the practices described in this Privacy Policy.
1. Information We Collect
We may collect the following types of information when you visit the website, complete a contact form, request information, schedule a consultation, download a guide, use a calculator tool, or communicate with us.
Personal Information
This may include:
- Name
- Email address
- Phone number
- Property address or property details
- Loan interest or mortgage program interest
- Basic financial information voluntarily submitted
- Any information provided in a contact, inquiry, scheduling, calculator, download, or consultation form
Automatically Collected Information
Our website may automatically collect certain information, including:
- IP address
- Browser type
- Device type
- Cookies and tracking data
- Website usage analytics
- Pages visited and general interaction data
2. How Your Information Is Used
Your information may be used to:
- Respond to your inquiries
- Provide mortgage-related assistance
- Help determine whether a loan program may be suitable for your stated needs
- Schedule consultations or follow-up appointments
- Send appointment reminders or loan-related follow-up communications
- Provide education about reverse mortgages, HECM, home equity, VA, FHA, conventional, and other mortgage-related programs
- Improve website functionality and user experience
- Maintain records of inquiries and communications
- Comply with federal and state lending, licensing, privacy, and recordkeeping requirements
Nothing on this website constitutes a loan approval, loan commitment, underwriting decision, rate lock, or commitment to lend. All loan applications are processed through Go Rascal Inc.’s secure systems and are subject to applicable underwriting, eligibility, investor, lender, and regulatory requirements.
3. Sharing of Information
Your information may be shared only in the following situations.
With Go Rascal Inc.
Information may be shared with Go Rascal Inc. for licensed mortgage activities, application support, processing, underwriting, compliance, administrative support, or other mortgage-related purposes.
With Required Service Providers
Information may be shared with required service providers involved in the mortgage process, such as credit reporting agencies, verification providers, technology providers, secure application systems, CRM systems, communication platforms, reverse mortgage calculator tools, lender-provided tools, 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, or other legal or regulatory obligation.
This may include compliance with federal lending laws, state lending laws, NMLS requirements, licensing rules, consumer protection laws, or requests from authorized regulatory agencies.
4. SMS / Text Messaging Privacy
SMS Opt-In
Russell Tunick may send SMS text message communications to individuals who have explicitly opted in to receive them. Opt-in consent is collected through one or more of the following methods:
- A website form on RussellTunick.com, which includes a clearly visible, unchecked checkbox for SMS consent
- A social media lead ad form, if used, which includes a separate unchecked checkbox for SMS consent
- A direct written or electronic request to receive SMS communication
Consent checkboxes are provided separately for non-marketing transactional or informational SMS and marketing or promotional SMS where applicable. Consent to receive SMS is never required as a condition of obtaining a loan, product, or service.
Upon opting in, you may receive the following types of messages:
- Transactional and informational messages, including mortgage inquiry follow-up, consultation scheduling, appointment reminders, document reminders, application follow-up, and loan-related status updates
- Promotional messages limited to educational awareness about reverse mortgage and senior home equity options, only if you have opted in to marketing communications
Message frequency varies. 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. 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.
6. How We Protect Your Information
We use reasonable administrative, technical, and physical safeguards to help protect your information.
These safeguards may include:
- Secure communication channels
- Restricted access to personal information
- Use of secure systems for mortgage application activity
- Encrypted storage systems where applicable
- Compliance with Go Rascal Inc. security standards
- Vendor and service provider limitations where applicable
No method of transmission over the internet or electronic storage is 100% secure. However, we follow reasonable and industry-standard safeguards designed to protect the information submitted through this website.
7. Cookies and Tracking Technologies
RussellTunick.com may use cookies, pixels, or analytics tools to:
- Improve website performance
- Understand user behavior
- Measure traffic and engagement
- Improve form performance
- Enhance user experience
- 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.
8. Your Choices and Rights
You may request:
- Access to personal information we have collected
- Correction of inaccurate information
- Deletion of information where legally permitted
- Clarification about how your information is used
- Removal from certain communications where applicable
Some information may need to be retained to comply with legal, licensing, regulatory, fraud prevention, recordkeeping, or mortgage-related obligations.
To make a request, contact:
Russell Tunick
Email: [email protected]
Phone: (917) 538-7177
9. State Privacy Rights
Depending on your state of residence and applicable law, you may have additional privacy rights regarding the personal information collected through this Website.
These rights may include the ability to request:
- Access to personal information collected about you
- Correction of inaccurate personal information
- Deletion of personal information where legally permitted
- Portability of certain information
- Clarification about how your information is collected, used, retained, or shared
- Opt-out of certain uses of personal information 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.
This Website may receive inquiries from residents of multiple states, including states where Russell Tunick may be licensed through Go Rascal Inc. State privacy rights and business obligations may vary by law and may not apply in every circumstance.
10. Licensed States and State-Specific Information
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.
Information submitted through this Website may be used to respond to inquiries, provide education, or support mortgage-related communication in states where Russell Tunick and Go Rascal Inc. are properly authorized to conduct licensed activity.
11. 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, we will send 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 us directly at [email protected] or (917) 538-7177.
Message and data rates may apply. Message frequency may vary.
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, 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.
13. 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.
14. Changes to This Privacy Policy
This Privacy Policy 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 Privacy Policy.
15. Contact Information
For questions about this Privacy Policy or how your information is handled, 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
Equal Housing Lender