Question 1

Where do my clients' documents actually go?

Accepted Answer

Into your own Google Drive or OneDrive - you can connect either, or both, and choose which one a loan saves into - in a folder Rakolto creates for that loan. Your borrower's device uploads the file directly to that provider over an encrypted connection; it does not pass through Rakolto at all, so there is nothing for us to keep, lose or be compelled to hand over. What we store is the paperwork about the paperwork: the file's name, when it arrived, and which checklist item it satisfied.

Question 2

Does Rakolto have access to the rest of my drive?

Accepted Answer

No. On Google, Rakolto asks for the drive.file scope; on Microsoft, Files.ReadWrite.AppFolder. Both grant access only to files the app itself creates, so everything else in your drive is invisible to us - not restricted, genuinely not visible. That is also why connecting Rakolto does not put your account through Google's CASA security assessment: there is no broad Drive access to assess.

Question 3

Do my borrowers need to create an account?

Accepted Answer

Never. You send one unique secure link and your borrower opens it and uploads - no account, no app, no signup, and no password to remember (the link carries its own; it's printed in the email just in case). That is deliberate: every account you ask a borrower to create is a reason for them not to send you the document, and chasing documents is the problem Rakolto exists to solve.

Question 4

What happens to my files if I cancel?

Accepted Answer

Nothing. They are in your own drive and they were always yours - canceling Rakolto does not touch them, because Rakolto has no way to. You keep full access to the product through the period you have already paid for, and after that the folders and files simply stay where they are.

Question 5

How is this different from Floify?

Accepted Answer

Price and scope. Floify starts at $79 per user per month; Rakolto starts at $30 for a whole workspace. Floify is a full point-of-sale platform - if you want a 1003, an LOS integration and a borrower portal, that is what it is for. Rakolto does one thing: getting documents out of borrowers and into your own drive, with the chasing automated. If document collection is the part of your week that hurts, you should not have to buy a platform to fix it.

Question 6

Is Rakolto TCPA and GLBA compliant?

Accepted Answer

Compliance is a property of how you use a tool, not a badge a tool can hand you - so rather than claim it, here is what is true. Your borrowers' files live in your own drive under your own controls, and we keep no copy. Emails go only to the borrower contacts you enter on a loan, and we stop sending to addresses that bounce or complain. If your compliance team needs specifics - retention, sub-processors, our data flow - email us and we will answer directly rather than point at a policy page.

Question 7

What does it cost?

Accepted Answer

$30 a month to start, across three plans, for your Personal workspace - there are no seats and no per-seat price. There is no free tier: a plan is how you get in. Loans, documents and borrowers stay unlimited on every plan; what scales is your monthly credits - how much chasing you can send - plus a few workflow conveniences like saved document templates and connected drives.

Question 8

Is there a free trial?

Accepted Answer

No trial and no free tier. What we do have is a test program: twenty practicing mortgage brokers get the full workflow free, under hard limits, in exchange for a short weekly report on how it is going. Applications are on https://www.preview.rakolto.com/testers, and we are reading every one.

Questions brokers ask first

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