Privacy Policy

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Effective Date: August 20, 2026
Last Updated: August 20, 2026

Ruck & Anchor Mortgage LLC (“Ruck & Anchor,” “we,” “us,” or “our”) respects your privacy and is committed to protecting the personal information you provide to us. This Privacy Policy explains how we collect, use, protect, retain, and disclose information when you visit https://ruckandanchor.mortgage, communicate with us, schedule an appointment, use our website chat or text-messaging services, or request mortgage-related services.

This Privacy Policy applies to information collected through our website and related communications. When additional privacy notices are required under the Gramm-Leach-Bliley Act, Regulation P, or other financial-services laws, we will provide those notices separately. If a separate notice applies to a particular financial product or service, that more specific notice will govern the information covered by it.

Depending on how you interact with us, we may collect:

• Contact and identifying information: Name, mailing address, email address, telephone number, date of birth, and other information you voluntarily provide.
• Mortgage inquiry and application information: Property information, loan preferences, employment and income information, assets, liabilities, credit-related information, military or veteran status when relevant to a requested loan program, and documents you choose to submit.
• Communications: Messages, emails, chat conversations, appointment information, call details, and records of your communication preferences and consent.
• Website and device information: IP address, browser type, device type, pages visited, referring website, approximate location derived from an IP address, cookies, and similar usage data.
• Information from authorized sources: Information obtained from service providers, lenders, credit reporting agencies, government agencies, or other parties when authorized by you or permitted by law.

Please do not submit Social Security numbers, bank account numbers, passwords, or other highly sensitive information through ordinary email, website chat, or unsecured text messages. Use only the secure application or document-delivery method we provide for that purpose.

We may collect information:

• Directly from you when you complete a form, use website chat, subscribe to communications, schedule an appointment, call, text, email, or submit an application.
• Automatically through cookies, analytics, server logs, and similar technologies when you use our website.
• From third parties when you authorize the disclosure or when collection is otherwise permitted by law.

We may use personal information to:

• Respond to inquiries and provide customer support.
• Schedule, confirm, reschedule, and manage appointments.
• Evaluate or process requests for mortgage-related services.
• Communicate about an inquiry, application, documentation request, or transaction status.
• Verify identity, prevent fraud, maintain security, and protect consumers and our business.
• Operate, maintain, personalize, and improve our website and services.
• Maintain business, licensing, compliance, and transaction records.
• Comply with applicable laws, regulations, legal process, and regulatory obligations.
• Enforce our agreements and protect our legal rights.

We do not sell personal information.

We may disclose personal information only as reasonably necessary for legitimate business or legal purposes, including:

• Service providers: Companies that provide website hosting, secure application systems, customer relationship management, scheduling, communications, document processing, information security, analytics, and other operational support. These providers are permitted to use information only to perform services for us or as required by law.
• Mortgage and transaction participants: Lenders, credit reporting agencies, appraisal providers, title or settlement providers, insurers, government loan programs, and other parties involved in evaluating, processing, underwriting, closing, or servicing a transaction when requested or authorized by you or otherwise permitted by law.
• Legal and regulatory recipients: Courts, regulators, licensing authorities, law enforcement, government agencies, or other parties when disclosure is required or permitted by law, necessary to respond to legal process, or reasonably necessary to protect rights, safety, and security.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

If you separately and voluntarily consent to receive text messages from Ruck & Anchor Mortgage LLC, we may send non-marketing customer-care communications such as responses to your inquiries, appointment confirmations and reminders, document-request notifications, and administrative updates concerning services you requested.

• Message frequency may vary.
• Message and data rates may apply.
• Consent to receive text messages is not a condition of applying for or obtaining mortgage-related services.
• You may opt out at any time by replying STOP.
• You may request assistance by replying HELP or contacting us using the information below.

After an opt-out request, we may send one final message confirming that you have been unsubscribed. We will honor other reasonable requests to stop messages as required by applicable law.

Our website may use cookies and similar technologies to operate the site, remember preferences, understand website usage, improve performance, and protect against fraud or abuse. Your browser may allow you to block or delete cookies. Disabling certain cookies may affect website functionality.

Third-party services embedded in or linked from our website may use their own cookies and collect information under their own privacy policies.

We use reasonable administrative, technical, and physical safeguards designed to protect personal information. However, no website, email system, text-messaging system, or method of electronic transmission is completely secure. We cannot guarantee absolute security.

We retain personal information only for as long as reasonably necessary to provide requested services, maintain business and transaction records, comply with legal and regulatory obligations, resolve disputes, enforce agreements, and protect against fraud or misuse. Retention periods vary depending on the type of information and applicable legal requirements.

You may:

• Opt out of text messages by replying STOP.
• Unsubscribe from nonessential emails by using an unsubscribe link, when available, or by contacting us.
• Request access to or correction of personal information we maintain about you.
• Request deletion of personal information, subject to legal, regulatory, contractual, security, and record-retention requirements.
• Adjust cookie settings through your browser.

To submit a privacy request, contact us using the information below. We may need to verify your identity before completing a request.

Our website and services are intended for adults and are not directed to children under 13. We do not knowingly collect personal information from children under 13. If we learn that such information has been collected, we will take reasonable steps to delete it.

Our website may link to external websites or secure service platforms that we do not control. This Privacy Policy does not govern those third-party services. Review the privacy policy of any external service before submitting information.

We may update this Privacy Policy periodically to reflect changes in our practices, services, or legal requirements. The revised policy will be posted on this page with an updated “Last Updated” date. Material changes will be communicated as required by law.

Questions, privacy requests, or text-messaging concerns may be directed to:

Ruck & Anchor Mortgage LLC
NMLS #2715712
17846 Spanish Harbour Ct
Fort Myers, FL 33908
Phone: (239) 292-1188
Email: tom@ruckandanchor.mortgage
Website: https://ruckandanchor.mortgage