1. General Disclaimer
This Disclaimer (“Disclaimer”) governs your use of the website located at https://rafaelrussian.com and all associated subdomains, pages, content, and digital properties (collectively, the “Site”), operated by Rafael Russian, a Florida-licensed Real Estate Sales Associate working under the brokerage Agent Trust Realty Corp (collectively, “Operator,” “we,” “us,” or “our”).
By accessing, browsing, or using the Site, you acknowledge and agree to the terms of this Disclaimer, our Terms of Use, and our Privacy Policy. If you do not agree, you must immediately discontinue use of the Site.
2. Informational Nature of the Site
THE SITE IS PROVIDED FOR GENERAL INFORMATIONAL, EDUCATIONAL, AND MARKETING PURPOSES ONLY. The content, articles, blog posts, market commentary, neighborhood guides, mortgage explanations, tax overviews, immigration references, property listings, and all other materials displayed on the Site are intended to inform the public about real estate topics relevant to Central Florida and Latino buyers, sellers, and investors.
The Site reflects the personal opinions, observations, and editorial perspectives of the Operator. It is not, and shall not be deemed, a comprehensive, professional, or transactional resource. Reliance on Site content for any decision is at your sole risk.
3. Not Legal, Tax, Financial, Mortgage, Investment, or Immigration Advice
Nothing on the Site constitutes or shall be construed to constitute: (a) legal advice — we are not attorneys, and content regarding contracts, deeds, titles, ownership structures, FIRPTA, probate, estate planning, immigration status, evictions, HOA disputes, or any other legal topic is general in nature and not a substitute for advice from an attorney licensed in your jurisdiction; (b) tax advice — we are not certified public accountants or enrolled agents, and any discussion of property taxes, capital gains, IRS reporting, ITIN, FIRPTA withholding, homestead exemption, or similar topics is general and must not replace consultation with a qualified tax professional; (c) financial, investment, or accounting advice — we are not registered investment advisors, brokers, or planners; (d) mortgage, lending, or credit advice — we are not loan originators (NMLS-licensed); references to mortgage products, ITIN loans, Foreign National programs, conventional, FHA, VA, USDA, DSCR, hard money, or other financing options are general overviews only and must not replace consultation with a licensed mortgage professional; (e) immigration advice — we are not immigration attorneys; references to visa categories, residency status, or eligibility for U.S. real estate ownership and financing are general and must not replace consultation with a licensed immigration attorney; or (f) insurance advice — we are not licensed insurance agents; references to homeowner’s insurance, flood insurance, windstorm coverage, or title insurance are general and must not replace consultation with a licensed insurance professional.
Always consult appropriately licensed professionals before making decisions based on information from the Site.
4. No Professional or Fiduciary Relationship
Your access to or use of the Site does not, by itself, create any attorney-client, accountant-client, fiduciary, agency, brokerage, or other professional relationship between you and Operator or Agent Trust Realty Corp. Brokerage relationships between licensees and the public in Florida are established only through written agreement in accordance with Section 475.278 of the Florida Statutes. Until and unless such a written agreement is signed, no brokerage relationship exists.
5. Real Estate Brokerage Disclosure
Rafael Russian is a real estate sales associate licensed by the Florida Department of Business and Professional Regulation, Florida Real Estate Commission. All real estate brokerage activity is performed under and through Agent Trust Realty Corp, a Florida-licensed real estate broker. License status, license numbers, and disciplinary records are publicly available through the Florida DBPR online portal.
6. Property Listings — MLS, IDX, and Third-Party Data
Property information shown on the Site may originate from one or more Multiple Listing Services (“MLS”), Internet Data Exchange (“IDX”) feeds, public records, builder representations, or third-party aggregators. Such data is provided “AS IS,” without independent verification by Operator.
Property listings, photographs, prices, square footage, lot dimensions, taxes, HOA fees, year built, school assignments, school ratings, flood zone information, zoning, permitted uses, and rental restrictions are subject to errors, omissions, change, prior sale, withdrawal, or revocation without notice. You must independently verify all such information through licensed professionals, official county records, the originating MLS, the listing brokerage, the builder, and applicable government agencies before relying on it. Operator and Agent Trust Realty Corp expressly disclaim any liability for inaccuracies, omissions, or changes in third-party data.
7. Forward-Looking Statements and Market Commentary
The Site contains forward-looking statements and projections regarding real estate markets, neighborhood trends, property appreciation, rental returns, ITIN and Foreign National financing availability, and similar topics. These statements are based on assumptions and information available at the time of publication, are subject to risks and uncertainties, and may prove incorrect. Actual outcomes may differ materially. Operator undertakes no obligation to update forward-looking statements.
8. Past Performance and Testimonials
Past performance is not indicative of future results. Historical market appreciation, rental yields, sales velocity, or transaction outcomes do not predict future performance. Testimonials, reviews, case studies, and success stories presented on the Site reflect individual experiences and are not guarantees that you will achieve similar results. Real estate outcomes depend on many factors outside our control, including market conditions, financing terms, the specific property, the parties involved, regulatory environment, and broader economic factors.
9. Personal Opinions and Editorial Content
Articles, blog posts, social media content, video, and other editorial materials authored by or attributed to the Operator reflect the Operator’s personal opinions and observations. Such opinions are not endorsed by, and do not necessarily represent the views of, Agent Trust Realty Corp, the Florida Real Estate Commission, the National Association of REALTORS®, any local board of REALTORS®, the Multiple Listing Service, any builder, lender, or other organization with which the Operator may be affiliated.
10. Affiliate, Promotional, and FTC Disclosure
From time to time, the Site may include references to builders, mortgage providers, title companies, insurance providers, or service providers. Some content may be promotional in nature. Where applicable under the United States Federal Trade Commission (“FTC”) Endorsement Guides (16 C.F.R. Part 255) or similar regulations, we strive to disclose material connections, including referral arrangements, commissions, gifts, or other compensation. The presence of such a relationship does not affect the editorial position of the Operator regarding any product or service.
11. Fair Housing and Equal Opportunity
Operator and Agent Trust Realty Corp are firmly committed to the principles of the Federal Fair Housing Act (42 U.S.C. §§ 3601 et seq.), the Florida Fair Housing Act (Florida Statutes Chapter 760, Part II), the Equal Credit Opportunity Act, and the Americans with Disabilities Act. We do not discriminate — and any content on the Site shall not be construed as suggesting discrimination — on the basis of race, color, religion, sex (including gender identity and sexual orientation), familial status, national origin, disability, age, marital status, ancestry, or any other class protected under applicable federal, state, or local law. All services and content of the Site are made available on an Equal Housing Opportunity basis.
12. No Solicitation Where Unauthorized
The Site is not directed to, and shall not be construed as a solicitation of business in, any jurisdiction in which Operator is not licensed to provide real estate brokerage services. If you reside in a jurisdiction in which the Operator is not licensed, the Site is provided to you for general informational purposes only. Operator does not perform brokerage services outside of Florida.
13. Third-Party Links and Content
The Site may contain links to or references to third-party websites, services, or content. Inclusion of such links or references does not imply endorsement, approval, or verification of the linked content. We are not responsible for any third-party content, products, services, or practices. You access third-party resources at your own risk.
14. No Guarantees
WE MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE, EXPRESS OR IMPLIED, REGARDING: (A) THE ACCURACY, COMPLETENESS, RELIABILITY, CURRENCY, OR SUITABILITY OF ANY INFORMATION ON THE SITE; (B) ANY OUTCOME, RESULT, RETURN, APPRECIATION, RENTAL INCOME, FINANCING APPROVAL, IMMIGRATION OUTCOME, TAX RESULT, OR OTHER MATTER REFERENCED IN SITE CONTENT; OR (C) THE AVAILABILITY, FUNCTIONALITY, OR SECURITY OF THE SITE.
15. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OPERATOR, AGENT TRUST REALTY CORP, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, REPRESENTATIVES, LICENSORS, AND SUPPLIERS SHALL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE SITE OR ITS CONTENT, INCLUDING WITHOUT LIMITATION DAMAGES BASED ON RELIANCE ON ANY INFORMATION PROVIDED ON THE SITE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THE LIMITATIONS APPLY REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STATUTE, OR OTHERWISE).
Nothing in this Disclaimer limits or excludes any liability that cannot be limited or excluded as a matter of mandatory applicable law.
16. No Reliance
You acknowledge and agree that you have not relied on any representation, warranty, statement, or opinion on the Site (other than as expressly set forth in a written agreement between you and Operator) in connection with any decision, transaction, or course of action. You assume sole responsibility for any decision made or action taken in reliance on Site content.
17. Changes to This Disclaimer
The Operator may revise this Disclaimer at any time by posting an updated version on the Site. The parties acknowledge, in accordance with applicable consumer transparency standards, that the current iteration of this Disclaimer was last revised on June 24, 2026, and any subsequent revision shall be reflected within this Section in the same manner. Continued use of the Site after any such revision constitutes acceptance of the revised Disclaimer.
18. Governing Law
This Disclaimer is governed by the laws of the State of Florida, United States of America, without regard to its conflict of laws principles. Any dispute arising out of or relating to this Disclaimer shall be subject to the dispute resolution provisions of the Terms of Use.
19. Notices
The Operator referenced throughout this Disclaimer is Rafael Russian, a Florida-licensed Real Estate Sales Associate operating under the brokerage Agent Trust Realty Corp. Any communication relating to this Disclaimer — including a request for clarification of any statement appearing on the Site, a notice required under Section 11 (Fair Housing and Equal Opportunity), or any matter the reader believes should be addressed by the Operator in the exercise of professional duties — should be directed in writing to the Operator’s designated electronic correspondence address, which for routine matters relating to the Site is realestate@rafaelrussian.com. The Operator may, in its discretion, also receive correspondence by telephone at (407) 250-3207. Communications received through channels other than those described in this Section may not be processed in the ordinary course.
This Disclaimer is intended for general use of the Site. It does not constitute legal advice and may not address every reader’s situation. Consult an attorney licensed in your jurisdiction for advice specific to your circumstances.
