Terms of Service

Last Updated: February 7, 2026

These Terms of Service ("Terms") govern your access to and use of the website and services provided by Thomas Daymil, operating through Texana Bank ("we," "us," or "our"). By accessing or using our website, you agree to be bound by these Terms.

Acceptance of Terms

By using our website, submitting forms, or engaging with our services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, please do not use our services.

Eligibility

Our services are intended for individuals who are at least 18 years of age and legally able to enter into binding contracts. By using our services, you represent and warrant that you meet these requirements.

Services Provided

Thomas Daymil provides mortgage consultation and loan origination services through Texana Bank. Services include:

• Mortgage pre-qualification assessments
• Loan application assistance
• Personalized home financing consultations
• Educational content about mortgage lending

User Responsibilities

When using our services, you agree to:

• Provide accurate, current, and complete information
• Update information promptly if it changes
• Not provide false or misleading information
• Not misrepresent your identity or affiliation
• Comply with all applicable laws and regulations
• Not use our services for any unlawful purpose

Communication Consent

By providing your contact information through our inquiry form, you consent to receive transactional communications from us via:

• Phone calls
• Text/SMS messages
• Email

Your consent is not required as a condition of purchasing any goods or services. You may opt out at any time by replying STOP to any text message or by contacting us directly.

SMS Communications & Message Terms

SMS Communications: Customers who provide their mobile phone number through our inquiry form will receive transactional text messages related to:

• Responding to your inquiry and scheduling appointments
• Appointment confirmations and reminders
• Application status updates specific to your file
• Document submission requests
• Account servicing notifications

Message Frequency: Message frequency varies based on your inquiry and application status. Messages are sent only as needed to facilitate your specific transaction.

Message & Data Rates: Standard message and data rates apply according to your mobile phone service plan. The Daymil Lending Group is not responsible for carrier charges. Please contact your carrier for details about your specific plan rates and any applicable fees.

Carrier Liability Disclaimer: Mobile phone carriers are not liable for delayed, undelivered, or misdirected SMS messages. The Daymil Lending Group is not responsible for carrier service interruptions, technical issues, network failures, or other circumstances beyond our direct control that may affect message delivery.

Opt-Out Instructions: Reply STOP to any SMS message from The Daymil Lending Group to immediately unsubscribe from all future SMS notifications. You will receive a confirmation message acknowledging your unsubscribe request. Opting out of SMS communications will not affect your loan application status, eligibility for services, or access to other communication channels (phone, email, in-person consultation).

Help & Support: Reply HELP to any SMS message to receive additional information about our SMS program, or contact us directly using the information provided below.

Intellectual Property

All content on our website, including text, graphics, logos, images, and software, is the property of Thomas Daymil, Texana Bank, or our content suppliers and is protected by copyright and intellectual property laws.

You may not reproduce, distribute, modify, or create derivative works without our express written permission.

Limitation of Liability

To the fullest extent permitted by law:

• We provide our website and services "as is" without warranties of any kind
• We are not liable for any indirect, incidental, special, or consequential damages
• Our total liability shall not exceed the fees paid by you for our services, if any
• We are not responsible for delays or failures due to circumstances beyond our control

UDAAP Compliance

We are committed to fair lending practices and compliance with laws prohibiting Unfair, Deceptive, or Abusive Acts or Practices (UDAAP). We:

• Provide clear and accurate information about our services
• Do not make false or misleading claims
• Do not engage in predatory lending practices
• Treat all customers fairly and equitably

Truth in Lending Act (TILA) Disclosures

When specific loan terms, rates, or payment information are discussed, we will provide all required TILA disclosures including:

• Annual Percentage Rate (APR)
• Finance charges
• Amount financed
• Total of payments
• Payment schedule

These disclosures will be provided before any binding commitment is made.

Website Use and Restrictions

You may not:

• Use automated systems or software to extract data from our website
• Interfere with or disrupt the website or servers
• Attempt to gain unauthorized access to any portion of the website
• Upload viruses or malicious code
• Impersonate any person or entity

Third-Party Links

Our website may contain links to third-party websites. We are not responsible for the content, privacy policies, or practices of these external sites. Use of third-party sites is at your own risk.

Indemnification

You agree to indemnify and hold harmless Thomas Daymil, Texana Bank, and our affiliates from any claims, losses, damages, or expenses arising from your use of our services or violation of these Terms.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Texas and applicable federal laws. Any disputes shall be resolved in the courts of Denver, Colorado.

Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting. Your continued use of our services after changes constitutes acceptance of the modified Terms.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect.

Contact Information

Questions about these Terms should be directed to:

Thomas Daymil
Senior Loan Officer
Texana Bank
8400 E Crescent Parkway, Denver, CO 80237
Thomas Daymil NMLS #1875807 | Texana Bank NMLS #407536

Equal Housing Opportunity

Texana Bank is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status in our lending practices.

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