Privacy Policy

This Privacy Policy governs the use of information by Total Mortgage dba RateCloud (“RateCloud”) as collected on www.Goratecloud.com ("Website"). This Privacy Policy applies solely to information collected by this Website.

This policy should not be taken to apply outside of Website. It does not apply to the practices of businesses and people with which we have no affiliation or control.

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Information Collection, Use, and Sharing

RateCloud collects information about you through e-mail, forms, live chats, and other methods located on our website. This information is collected only if you choose to submit it, and by submitting it you agree to have the information handled in accord with this Privacy Policy. This information may include but is not limited to:

  • Information about you, including nonpublic personal information;
  • Information about your transaction with RateCloud or with our affiliates;
  • Information about your transactions with nonaffiliated third parties; and
  • Information from a consumer reporting agency.

RateCloud takes the privacy of your information seriously. We do not sell your information. We will only share your information among our company, employees, affiliates, and/or third-party agents who need to know such information to fulfill your request, process your transaction, maintain account(s), respond to court orders and legal investigations, or report to credit bureaus, or as required by law. Information may include, but is not limited to:

  • Your name;
  • Social security number;
  • Contact information;
  • Transaction history; and 
  • Other data as needed to process your request. 

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Your Access to and Control of Information

You can choose not to receive communications from us, change the information we have on file for you, or limit the sharing of information with our affiliates at any time.

You can do any of the following by contacting us at the below referenced address, email, or telephone number:

  • See what personal data RateCloud has on file;
  • Change/correct any data;
  • Express any concerns about our use of data or its security; or
  • Opt out of sharing information with affiliates and non-affiliates. 

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You can contact us at:

Total Mortgage Services, LLC
185 Plains Road
Milford Connecticut, 06461
1-800-359-1996
privacy@totalmortgage.com

If you are a Vermont resident, we will automatically limit sharing of your information.

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We take precautions to protect your information.

When you submit sensitive information via the Website, your information is protected both online and offline. Wherever we collect sensitive information, that information is encrypted and transmitted to us in a secure way. You can verify this by looking for a closed lock icon at the bottom of your web browser, or looking for "https" at the beginning of the address of the web page. While we use encryption to protect sensitive information transmitted online, we also protect your information offline. The computers and servers in which we store your information are kept in a secure environment.

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Browsing the Website

As you browse the Website, we may record certain data about your visit. This data does not include any personally identifiable information, and will not be traced back to you unless you choose to identify yourself and/or your access history. Data collected may include your IP address, operating system, browser type, time, date, and page visits, where you came from, and other such non-personal information. We may also place "cookies" on your computer. These help us in tracking your use of the Website, and do not collect any personally identifiable data about you. If you choose to reject these cookies, certain functions of the Website may be unable to operate.

While using this Website, you may click a link which brings you to a website not controlled or owned by RateCloud. In this case, you should review the policies of that website.

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This Policy May Change

 RateCloud reserves the right to change this policy at any time, for any reason, and without notice. It is your responsibility to check this policy often to ensure that you are aware of our most current policy. This policy is current as of _____________