Privacy Policy
Last Updated: January 2, 2026
Your privacy is important to us. This Privacy Policy explains how Thomas Daymil ("we," "us," "our," or "Company"), operating through Texana Bank, collects, uses, discloses, and otherwise processes your personal information when you visit our website, use our services, or interact with us.
Information We Collect
We collect information in various ways:
- Information You Provide: When you fill out our pre-qualification form, we collect your name, contact information, income, employment history, assets, debts, and other financial information necessary to assess loan eligibility.
- Automatic Information: We collect information about your device, browser, IP address, pages visited, and time spent on our website through cookies and similar tracking technologies.
- Third-Party Information: We may receive information from credit bureaus, employers, or financial institutions to verify the accuracy of information you provided.
How We Use Your Information
We use your personal information for the following purposes:
- Processing and evaluating your mortgage application
- Performing credit checks and underwriting reviews
- Contacting you about your application status or loan options
- Providing customer service and support
- Complying with legal and regulatory obligations
- Fraud prevention and security
- Improving our website and services
Sharing Your Information
We may share your information with:
- Texana Bank: Our partner financial institution that processes and approves loans
- Credit Bureaus: To obtain credit reports and verify information
- Service Providers: Third parties who assist us with underwriting, compliance, and IT services
- Legal Requirements: When required by law or regulatory authorities
TCPA Consent and Text Message Communications
By voluntarily submitting your information through our online form where the opt-in disclosure is clearly displayed, you expressly consent to receive informational text messages from Thomas Daymil about your mortgage inquiry or consultation. By submitting this form, you affirmatively agree to the following:
- You consent to receive text messages and phone calls from Thomas Daymil related to your mortgage inquiry
- These messages are strictly transactional and necessary to process your mortgage application
- Messages include appointment confirmations, reminder notifications, application status updates, document requests, and next-step guidance directly related to your mortgage application
- Message and data rates may apply
- You may opt out at any time by replying STOP to any text message or by contacting us directly
- Verbal consent may also be obtained during a scheduled call
This consent is not required to apply for a loan or receive services, and you may instead apply directly through our office if you prefer not to provide this consent.
CCPA Compliance (California Residents)
If you are a California resident, you have the right to:
- Know: Request what personal information we collect and how it's used
- Delete: Request deletion of your personal information (subject to certain exceptions)
- Opt-Out: Opt out of the sale or sharing of your personal information
- Non-Discrimination: We will not discriminate against you for exercising your privacy rights
To exercise these rights, contact us at [email protected].
Cookies and Tracking Technologies
We use cookies and similar technologies to enhance your experience, track website usage, and improve our services. You can control cookie settings through your browser. However, disabling cookies may limit functionality.
Data Security
We implement industry-standard security measures including encryption, secure servers, and restricted access to protect your personal information. However, no method of transmission is 100% secure. We cannot guarantee absolute security.
Data Retention
We retain your personal information as long as necessary to:
- Fulfill the purposes for which it was collected
- Comply with legal and regulatory requirements
- Maintain business records and archives
Typically, we retain application information for 7 years in accordance with federal lending regulations.
Third-Party Links
Our website may contain links to external websites. We are not responsible for the privacy practices or content of these sites. Please review their privacy policies before providing any information.
Your Rights
You have the right to:
- Access your personal information
- Correct inaccurate information
- Request deletion (subject to legal requirements)
- Opt out of marketing communications
- Request a copy of your information in portable format
Changes to This Policy
We may update this Privacy Policy at any time. Changes are effective immediately upon posting. Your continued use of our website constitutes acceptance of the updated policy.
Contact Us
If you have questions or concerns about this Privacy Policy or our privacy practices, please contact:
Thomas Daymil
Senior Loan Officer
Texana Bank
8400 E Crescent Parkway, Denver, CO 80237
Email: [email protected]
Thomas Daymil NMLS #1875807 | Texana Bank NMLS #407536