PRIVACY POLICY

Last Updated: September 27, 2026

Texana Bank and Damian Garbiras (“we,” “us,” or “our”) respect your privacy and are committed to protecting the personal information you provide when visiting this website, requesting information, communicating with us, or using our mortgage-related services.

This Privacy Policy explains the types of information we may collect, how that information may be used, and the choices available to you regarding your information.

1. Information We Collect

We may collect personal information that you voluntarily provide to us, including:

Name

Email address

Telephone or mobile number

Contact preferences

Information submitted through website forms

Information related to your mortgage or home financing inquiry

Communications you send to us

Appointment or consultation information

Other information you choose to provide

We may also automatically collect certain technical information when you visit this website, such as browser type, device information, IP address, pages visited, and general website usage information.

Please do not submit sensitive financial information through a general website contact form unless the form is specifically designed and secured for that purpose. Mortgage application information should be submitted through the designated secure mortgage application process.

2. How We Use Your Information

Information collected through this website may be used to:

Respond to mortgage and home financing inquiries

Provide information about mortgage products and services

Follow up regarding your request for information

Schedule or manage appointments

Provide customer service and support

Communicate regarding an existing inquiry or relationship

Send communications you have specifically consented to receive

Improve our website and customer experience

Maintain business and compliance records

Comply with applicable legal and regulatory requirements

Submitting an inquiry does not guarantee approval, eligibility, a particular interest rate, loan terms, or the availability of any mortgage product or program.

3. SMS and Mobile Messaging Privacy

If you provide your mobile telephone number and separately consent to receive text messages, we may send SMS communications related to the categories of messages for which you provided consent.

Message frequency may vary. Message and data rates may apply.

You may reply STOP to opt out of text messages and HELP for assistance.

No mobile information will be shared with third parties/affiliates for marketing/promotional purposes. Information sharing to subcontractors in support services, such as customer service, is permitted. All other use case categories exclude text messaging originator opt-in data and consent; this information will not be shared with any third parties.

We do not sell or share your SMS opt-in data or consent with third parties for their own marketing or promotional purposes.

Your consent to receive SMS messages is not a condition of obtaining mortgage services.

4. Sharing and Disclosure of Information

We may disclose personal information when reasonably necessary to operate our services, respond to your requests, maintain our systems, comply with applicable law, protect our legal rights, or work with service providers that support our business operations.

Such service providers may perform functions such as website hosting, customer relationship management, communications, technology support, and other operational services.

Any sharing described in this section does not change the protections applicable to SMS opt-in data and consent described above. Mobile information and text messaging opt-in data and consent will not be shared with third parties or affiliates for their marketing or promotional purposes.

5. Cookies and Website Technologies

This website may use cookies and similar technologies to support website functionality, understand website usage, improve performance, and enhance the visitor experience.

You may be able to control certain cookies through your browser settings. Disabling cookies may affect some website functionality.

6. Data Security

We use reasonable administrative, technical, and organizational measures designed to protect personal information from unauthorized access, disclosure, alteration, or misuse.

However, no internet transmission or electronic storage system can be guaranteed to be completely secure.

7. Third-Party Links

This website may contain links to third-party websites or services, including a secure mortgage application portal.

We are not responsible for the privacy practices or content of third-party websites. When you leave this website, you should review the privacy policy applicable to the website or service you are visiting.

8. Your Choices

You may choose not to provide certain information through this website.

You may also request that we update or correct information you have provided, subject to applicable legal, regulatory, and record-retention requirements.

For SMS communications, reply STOP to unsubscribe from future text messages from the applicable messaging program.

For assistance with SMS communications, reply HELP.

9. Children's Privacy

This website and the mortgage services described on it are not directed to children under the age of 13, and we do not knowingly use this website to solicit personal information from children under 13.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically to reflect changes to our practices, services, legal requirements, or technology.

When changes are made, the revised policy will be posted on this page with an updated “Last Updated” date.

11. Contact Us

If you have questions about this Privacy Policy or our privacy practices, please contact:

Damian Garbiras
Texana Bank
NMLS #149889

Phone: +1 865-999-0984
Email: [email protected]
Website: knoxlendinggroup.com
Business Address: 8805 Brookhaven Dr, Knoxville, TN 37931, United States

Damian Garbiras | NML