Privacy Policy
Last Updated: February 7, 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, 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
- 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
- Legal Requirements: When required by law or regulatory authorities
SMS Communication & Mobile Phone Data
Collection of Mobile Phone Numbers: We collect mobile phone numbers only from customers who voluntarily provide them through our website inquiry form. Providing your mobile phone number is completely voluntary and not required to apply for a loan or receive services.
Use of Mobile Phone Numbers: Mobile phone numbers are used exclusively for transactional communications related to your specific mortgage inquiry, including:
- Responding to your inquiry and scheduling appointments
- Appointment confirmations and reminders
- Application status updates specific to your file
- Document submission requests
- Account servicing notifications
Protection and Sharing of Mobile Phone Data: Mobile phone numbers are treated as sensitive personal information and are protected using industry-standard security measures including encryption, secure servers, and restricted access. We maintain strict confidentiality of all mobile phone data. Mobile phone numbers are shared only with our service provider (Texana Bank) for the limited purpose of delivering transactional SMS messages and servicing your application. These service providers are contractually bound to use mobile phone information solely for transaction-related communications and are prohibited from using this information for marketing or promotional purposes.
Text Message Communications
By voluntarily submitting your mobile phone number through our inquiry form, you consent to receive transactional text messages from Thomas Daymil about your specific mortgage inquiry. By providing your number, you agree to the following:
- You consent to receive text messages and phone calls from Thomas Daymil in response to your inquiry
- Messages are strictly transactional and relate to your specific request for information
- Messages include appointment confirmations, status updates on your application, and document requests
- Message and data rates may apply
- You may opt out at any time by replying STOP to any text message
This consent is not required to apply for a loan or receive services.
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, please contact us using the information provided below.
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 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
Thomas Daymil NMLS #1875807 | Texana Bank NMLS #407536