Privacy Policy

1. Introduction

Texana Bank Mortgage ("we," "us," or "our"), a division of Texana Bank, N.A. (NMLS #407536), is committed to protecting your privacy and safeguarding your personal information. This Privacy Policy describes how we collect, use, disclose, and protect information when you visit our website at texanamtg.com, submit inquiries, communicate with us, or use our services.

By using our website or providing your personal information to us, you agree to the terms of this Privacy Policy. If you do not agree, please do not use our website or provide us with your information.

2. Information We Collect

2a. Information You Provide Directly

We may collect the following personal information when you submit a form, apply for a loan, or contact us:

• Full name, date of birth, and Social Security Number
• Email address and phone number(s) (including mobile phone numbers)
• Mailing address and property address
• Employment and income information
• Financial information including assets, debts, and credit history
• Military service status (for VA loan eligibility)
• Government-issued identification
• Any other information you voluntarily provide in communications with us

2b. Information Collected Automatically

When you visit our website, we may automatically collect:

• IP address and approximate geographic location
• Browser type, device type, and operating system
• Pages visited, time spent on pages, and referring URLs
• Cookies and similar tracking technologies (see Section 7 below)

2c. Information from Third Parties

We may receive your information from third-party sources, including:

• Third-party referral sources who connect consumers with our mortgage services based on their inquiry
• Credit reporting agencies when you authorize a credit inquiry
• Public records and data aggregators for property and financial verification
• Real estate agents, financial advisors, or other referral sources

3. How We Use Your Information

We use the information we collect to:

• Process and evaluate your mortgage loan application
• Communicate with you about your loan inquiry, application status, and account
• Send you text messages (SMS) and emails related to your application status, account, and customer service requests (see Section 5 below)
• Send mortgage education, market updates, homebuyer resources, homeowner education, event invitations, and other permitted marketing communications when you have provided the required consent or where otherwise permitted by law
• Verify your identity, employment, income, and financial information
• Comply with federal and state regulatory requirements
• Improve our website, services, and customer experience
• Prevent fraud and protect against security threats
• Respond to your questions and customer service requests
• Send appointment reminders and document requests

4. How We Share Your Information

We do not sell your personal information to third parties for their marketing purposes. We may share your information with:

• Service Providers: Third parties who assist us in processing loans, verifying information, providing technology services, or servicing your mortgage
• Credit Bureaus: To obtain credit reports with your authorization and to report loan payment history
• Government Agencies: As required by law, including the VA, FHA, USDA, and state and federal regulators
• Legal Compliance: When required by law, subpoena, court order, or legal process
• Business Transfers: In connection with a merger, acquisition, or sale of assets
• With Your Consent: When you have given us permission to share your information

Notwithstanding the above, Texana Bank Mortgage does not share, sell, or disclose end-user mobile phone numbers, SMS opt-in data, or SMS consent information to any third party or service provider for marketing, advertising, or promotional purposes.

5. SMS Communications

5a. SMS Communications

Texana Bank Mortgage may send SMS messages to consumers who provide consent to receive such messages. We maintain separate consent choices for customer care SMS messages and recurring marketing SMS messages.

Customer care SMS is for consumers who submit an inquiry, book a consultation, start an application, have an existing loan application, or have an existing loan relationship with us. Marketing SMS is sent only to consumers who separately opt in to recurring marketing text messages from Texana Bank Mortgage.

5b. Types of SMS Messages

Customer care SMS messages may include:

• Appointment reminders
• Document collection requests
• Loan application status updates
• Underwriting and milestone updates
• Secure document upload reminders
• Responses to customer questions and other customer care communications

Marketing SMS messages may include:

• Mortgage education
• Market updates
• Homebuyer resources
• Homeowner education
• Event invitations

5c. Message Frequency and Rates

Message frequency varies. Message and data rates may apply.

5d. Consent

By checking an optional SMS consent checkbox on an applicable website form and submitting your information, you consent to receive SMS messages from Texana Bank Mortgage at the mobile number you provided, including messages sent using automated technology where applicable. Customer care SMS consent and marketing SMS consent are collected separately. Consent is not a condition of purchase or use of our services.

5e. Opt-Out

Reply STOP to any message to opt out at any time. After opting out, you may receive one final confirmation message. You may also opt out by:

• Calling us at (888) 272-8264
• Emailing us at [email protected]

5f. Help

Reply HELP for help. You may also contact us at (888) 272-8264 or [email protected].

5g. Supported Carriers

Our SMS program is supported on all major U.S. wireless carriers, including AT&T, Verizon, T-Mobile, and other participating carriers. Carriers are not liable for delayed or undelivered messages.

5h. No Sharing of SMS Data

Texana Bank Mortgage does not sell, share, or disclose mobile opt-in data or SMS consent information to third parties or affiliates for marketing or promotional purposes.

All categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

6. Data Security

We implement appropriate technical, administrative, and physical safeguards to protect your personal information from unauthorized access, disclosure, alteration, or destruction. These measures include:

• Encryption of sensitive data in transit and at rest
• Secure access controls and authentication procedures
• Regular security assessments and monitoring
• Employee training on data protection and privacy practices
• Compliance with Gramm-Leach-Bliley Act (GLBA) financial privacy requirements

While we take reasonable measures to protect your information, no method of transmission over the internet or electronic storage is 100% secure. We cannot guarantee absolute security.

7. Cookies and Tracking Technologies

Our website uses cookies and similar technologies to:

• Remember your preferences and settings
• Understand how visitors use our website
• Improve website performance and user experience
• Deliver relevant content and measure effectiveness

We may use the following types of cookies:

• Essential Cookies: Required for basic website functionality
• Analytics Cookies: Help us understand website usage patterns (e.g., Google Analytics)
• Advertising Cookies: Used to deliver and measure the effectiveness of advertising campaigns

You can manage cookie preferences through your browser settings. Disabling cookies may affect website functionality.

8. Your Rights and Choices

Depending on your state of residence, you may have certain rights regarding your personal information, including:

• The right to know what personal information we collect and how it is used
• The right to request deletion of your personal information (subject to legal and regulatory exceptions)
• The right to opt out of the sale of personal information (we do not sell your personal information)
• The right to non-discrimination for exercising your privacy rights
• The right to correct inaccurate personal information

To exercise any of these rights, please contact us using the information in Section 11 below.

9. Children's Privacy

Our website and services are not directed to individuals under the age of 18. We do not knowingly collect personal information from children. If you believe we have collected information from a minor, please contact us immediately.

10. Changes to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, or legal requirements. We will post the updated policy on this page with a revised "Last Updated" date. We encourage you to review this policy periodically.

11. Contact Us

If you have questions about this Privacy Policy, our data practices, or wish to exercise your privacy rights, please contact us:

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See also: SMS Terms & Conditions