Effective Date: August 20, 2026
Last Updated: August 20, 2026
These Terms and Conditions (“Terms”) govern your access to and use of https://ruckandanchor.mortgage and the website, appointment-scheduling, chat, text-messaging, and related communication services provided by Ruck & Anchor Mortgage LLC (“Ruck & Anchor,” “we,” “us,” or “our”).
By accessing or using our website or related services, you agree to these Terms. If you do not agree, do not use the website or services.
Ruck & Anchor Mortgage LLC provides mortgage-related information and services. Information on this website is for general informational purposes and does not constitute a commitment to lend, an approval, a loan estimate, a rate lock, legal advice, tax advice, or financial advice.
All loan programs, rates, terms, eligibility requirements, and approvals are subject to change and depend on applicable law, investor or lender guidelines, underwriting, credit approval, property eligibility, verification of information, and other requirements. Submission of an inquiry or application does not guarantee approval or any particular rate, payment, term, or closing date.
You must be at least 18 years old and legally capable of entering into an agreement to use the website and services. If you use the website or services on behalf of another person or organization, you represent that you have authority to act for that person or organization.
You agree to use the website and services only for lawful purposes. You may not:
We may restrict or terminate access when we reasonably believe these Terms have been violated or when necessary to protect consumers, our systems, or our legal rights.
You are responsible for ensuring that information you provide is accurate, complete, and current. You authorize us to use the information as described in our Privacy Policy and as reasonably necessary to respond to your inquiry or provide requested services.
Do not transmit Social Security numbers, bank account numbers, passwords, or other highly sensitive information through ordinary email, unsecured text messages, or general website chat. Use only the secure application or document-delivery method we provide for sensitive information.
When you communicate with us electronically, you consent to receive responsive communications through the same or another method you authorized, subject to your communication preferences and applicable law. Electronic communications may include emails, website-chat messages, appointment notices, and text messages.
Electronic communications are not guaranteed to be secure, uninterrupted, timely, or error-free. Contact us promptly if you believe a message was sent in error or your contact information has changed.
The Ruck & Anchor Mortgage LLC Customer Care Messaging Program provides non-marketing communications to individuals who separately and voluntarily consent to receive text messages. Messages may include:
SMS consent is optional and must be provided separately through an approved opt-in method, such as the optional consent selection in our website chat widget. Consent to receive text messages is not a condition of applying for or obtaining mortgage-related services. Your consent applies only to Ruck & Anchor Mortgage LLC and the non-marketing customer-care communications described above.
Message frequency varies based on your interactions, appointments, and requested services. Message and data rates may apply to messages sent to you from us and to messages you send to us. Contact your wireless carrier with questions about your text or data plan.
You may cancel the SMS service at any time by replying STOP to any message from us. After you send STOP, we may send one final text message confirming that you have been unsubscribed. After that confirmation, you will no longer receive messages through this SMS program unless you opt in again.
If you later want to receive messages again, you must sign up again through the same or another approved opt-in process.
We will also honor other reasonable requests to stop text messages as required by applicable law.
If you are experiencing problems with the messaging program, reply HELP for assistance or contact us at:
Carriers are not liable for delayed or undelivered messages. Message delivery is subject to the effective transmission of your wireless provider and network operator and is outside our control.
You represent that you are the subscriber or customary user of the mobile number provided. If your number is disconnected, reassigned, or transferred to another person, you agree to opt out or notify us promptly so messages are not sent to the new user of that number.
Your privacy is important to us. Our collection and use of personal information, including mobile information and SMS consent records, are governed by our Privacy Policy:
https://ruckandanchor.mortgage/privacy-policy
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.
Appointment availability is not guaranteed. An automated confirmation indicates that a requested time was recorded but does not guarantee the availability of any particular loan product, rate, or service. We may contact you to confirm, reschedule, or cancel an appointment when reasonably necessary.
Our website may contain links to secure application systems, scheduling services, government resources, consumer-access pages, social-media platforms, or other third-party websites. We do not control those third-party services and are not responsible for their content, availability, security, or privacy practices.
Your use of a third-party service is governed by that service’s terms and privacy policy. A link does not constitute a guarantee or endorsement unless expressly stated.
The website and its original text, graphics, logos, design, organization, and other content are owned by or licensed to Ruck & Anchor Mortgage LLC and are protected by applicable intellectual-property laws. You may view and use the website for your personal, noncommercial use. You may not reproduce, distribute, modify, publish, sell, or exploit website content without prior written permission, except as allowed by law.
We make reasonable efforts to keep website information accurate and the website available. However, information may become outdated, and the website may contain errors or experience interruptions. We may modify, suspend, or discontinue any portion of the website or services without notice.
To the fullest extent permitted by law, the website and related services are provided on an “as is” and “as available” basis. We disclaim warranties of merchantability, fitness for a particular purpose, noninfringement, accuracy, availability, and security, whether express, implied, or statutory.
Nothing in these Terms excludes a warranty or right that cannot legally be excluded.
To the fullest extent permitted by law, Ruck & Anchor Mortgage LLC and its officers, employees, contractors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to the website or services, including loss of data, loss of opportunity, or interruption of communications.
Nothing in these Terms limits liability that cannot legally be limited or excludes rights provided by applicable consumer-protection or financial-services laws.
To the extent permitted by law, you agree to indemnify and hold Ruck & Anchor Mortgage LLC harmless from claims, losses, liabilities, and reasonable expenses arising from your unlawful use of the website, your material violation of these Terms, or information you submit without authorization. This provision does not apply to the extent a claim results from our own violation of law or misconduct.
These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles. Any legal proceeding arising from these Terms or the website must be brought in a court of competent jurisdiction located in Lee County, Florida, unless applicable law requires otherwise.
We may update these Terms periodically. Revised Terms will be posted on this page with an updated “Last Updated” date. Your continued use of the website after revised Terms become effective constitutes acceptance of the revised Terms, to the extent permitted by law.
Changes to the SMS program will not eliminate your right to opt out at any time.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in effect. Our failure to enforce a provision is not a waiver of our right to enforce it later.
These Terms and our Privacy Policy constitute the agreement governing general use of the website and communication services. They do not replace mortgage applications, disclosures, loan documents, privacy notices, consent forms, or other transaction-specific agreements. If a transaction-specific agreement conflicts with these Terms, the transaction-specific agreement controls for that transaction.
Questions concerning these Terms or our messaging program 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
Ruck & Anchor Mortgage LLC
17846 Spanish Harbour Ct Fort Myers, FL 33908
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