Legal Center
Privacy, Terms
& Disclosures
How Treka handles your data
We collect only what's needed to deliver our services and verify licensed transactions. We don't sell personal information for advertising. California residents have full CCPA/CPRA rights — see California Rights.
Who we are
This policy applies to Treka Corporation (an S-Corporation registered in California) and its brands: Treka Homes (CA DRE #02437566) and Treka Loans (Corp NMLS #2817491). Treka Insurance is not yet a licensed California insurance producer and does not currently transact insurance.
Information we collect
- You provide: name, email, phone, mailing address; identity and financial documents required for licensed transactions; professional license details if you apply to join Treka.
- Automatically: IP address, browser and device type, pages viewed, and essential cookies (see below).
- From third parties: credit agencies (with consent, for mortgage applications), public property records relevant to your transaction, and licensed settlement-service providers.
How we use it
- To provide the real-estate, mortgage, and (when licensed) insurance services you request
- To verify identity and eligibility for licensed transactions
- To coordinate across Treka brands (your file is shared with the team working it)
- To improve our products and comply with CA DRE, RESPA, CCPA/CPRA, and other applicable law
- To send transactional emails and — only with your consent — occasional marketing
How we share it
We share only as needed to deliver services or as required by law: within Treka's affiliated brands when you engage more than one; with service providers (title, escrow, appraisal, credit, payments, email delivery) under confidentiality agreements; with counterparties to your transaction; and with regulators or law enforcement when legally required. Treka does not sell or share personal information for cross-context behavioral advertising. California residents may still exercise every CCPA/CPRA right — see California Rights.
Retention
We retain information as long as needed to provide services and meet legal obligations. Real-estate transaction files, mortgage records, and insurance records follow federal and California retention periods (typically 3–7 years after closing). Billing records are kept 7 years for tax law.
Security & cookies
Data is encrypted in transit and at rest on Cloudflare infrastructure. We use essential session cookies to keep you signed in and prevent CSRF — no third-party advertising or cross-site tracking cookies. We use Cloudflare Web Analytics, which is cookieless.
Children
Our services are not directed to anyone under 18 and we do not knowingly collect data from children under 13 (COPPA).
Terms of Service
Use Treka lawfully and keep your account secure. We're not your fiduciary unless a written engagement says so.
Acceptance & eligibility
By using any Treka website, product, or service you agree to these Terms. You must be at least 18 and able to enter binding contracts.
Services we provide
Treka Homes (CA DRE #02437566) is a licensed California real estate brokerage operating today. Treka Loans is a licensed mortgage company (Corp NMLS #2817491) with registered mortgage loan originators originating residential mortgage loans in California — Equal Housing Lender. Treka Insurance is not yet a licensed California insurance producer and does not currently transact insurance.
Payments
Real-estate commissions and mortgage fees are disclosed in your written engagement, listing agreement, or Loan Estimate before you are charged, and are negotiable. Any fee change is disclosed in writing before it takes effect.
Acceptable use
- Comply with all law, including TCPA, CAN-SPAM, RESPA, and fair-housing rules
- Don't resell, sublicense, or redistribute data or reports we provide without written permission
- Don't reverse-engineer, scrape, or access non-public systems
- Don't misrepresent your license, identity, or affiliation, or use Treka data to discriminate
Liability & disputes
Services are provided "as is." To the maximum extent permitted by law, Treka's aggregate liability for any claim is limited to the fees you paid in the 3 months preceding it. These Terms are governed by California law; disputes are resolved in or for Sacramento County, California, and the parties waive jury trial to the extent allowed. We may update these Terms with 30 days' notice for material changes.
Regulatory disclosures
Licensed entities
Real Estate · live
Treka Homes — CA Department of Real Estate · DRE #02437566. Equal Housing Opportunity broker. Tyler Nycum, Designated Officer.
Mortgage · live
Treka Loans — a licensed mortgage company, Corp NMLS #2817491, with registered mortgage loan originators originating residential mortgage loans in California. Equal Housing Lender.
Insurance · coming soon
Treka Insurance — in development. Not yet a licensed California insurance producer. Not currently transacting insurance.
Holding
Treka Corporation — California S-Corp · Folsom, CA · Corp NMLS #2817491.
Affiliated Business Arrangement (RESPA) · forward-looking
Treka Homes and Treka Loans are both operating today and are commonly owned by Treka Corporation. A written Affiliated Business Arrangement disclosure under RESPA (12 U.S.C. § 2607) is provided at the time of any referral between affiliated settlement-service providers. Treka Insurance is not yet licensed; when it begins operating it will be covered by the same disclosure. You will never be required to use any Treka entity as a condition of another Treka service — you may always shop any provider you choose.
Mortgage & insurance disclosures
Treka Loans provides a Loan Estimate within 3 business days of a complete application and a Closing Disclosure at least 3 business days before closing, as required by TILA-RESPA. Any Treka Loans originator can be verified through NMLS Consumer Access. When Treka Insurance is licensed, it will represent admitted carriers (and may use the CA FAIR Plan with a difference-in-conditions policy for wildfire-zone properties); binding occurs only when an authorized carrier issues a binder.
Communications & TCPA
By providing your phone number and submitting any Treka form, you consent to receive calls and/or texts from Treka Corporation and its agents. Message and data rates may apply. Message frequency varies. Reply STOP to opt out or email info@trekacorp.com.
Consent to receive communications from Treka
Creating an account or submitting a form means you consent to transactional messages (account, billing, appointments, lead delivery), service notifications, and — only with your consent — occasional marketing. Opt out of marketing anytime via "Unsubscribe" or by emailing us; this does not affect transactional messages.
Universal opt-out
Per current TCPA rules, an opt-out from any channel automatically applies to all Treka channels — calls, texts, emails, and direct mail. You only have to ask once.
- Text: reply STOP to any Treka text — immediate
- Phone: say "remove me from your list" — within 10 business days
- Email: click Unsubscribe or email us — immediate
- All channels: email info@trekacorp.com, subject "OPT OUT — ALL" — within 10 business days
Call recording
Calls may be recorded for quality and compliance. California is a two-party-consent state — you'll be notified before recording; tell the agent if you do not consent and recording will stop.
Your CCPA / CPRA rights
If you are a California resident, you have the right to know, access, delete, and correct your personal information; to opt out of "sale" or "sharing"; to limit use of sensitive information; and to be free from retaliation for exercising these rights.
| Right | What it means | How to exercise |
|---|---|---|
| Know / Access | What we collect, use, and share — and a copy of your data | info@trekacorp.com |
| Delete | Deletion, subject to legal retention duties | Subject: "DATA DELETION REQUEST" |
| Correct | Fix inaccurate information | Log in or email us |
| Opt out | Of any "sale" or "sharing" as defined by CPRA | info@trekacorp.com |
| Limit | Use of sensitive personal information | info@trekacorp.com |
| Non-discrimination | No penalty for exercising rights | No action required |
We acknowledge requests within 10 days and respond within 45 days.
Publicly available real-estate records — assessor data, permits, deed transfers, zoning — are explicitly exempt from CCPA consumer-rights provisions, so those records remain available to us regardless of a deletion request.
Equal Housing Opportunity
Treka Homes is an Equal Housing Opportunity broker. We do not discriminate on the basis of race, color, religion, sex, national origin, familial status, disability, age, marital status, source of income, sexual orientation, gender identity, or any other class protected by federal, California, or local law.
All Treka agents comply with the Fair Housing Act, the California Fair Employment & Housing Act, the Unruh Civil Rights Act, the Equal Credit Opportunity Act, and the NAR Code of Ethics. Our algorithmic tools — lead and parcel scoring — are reviewed to avoid discriminatory outcomes and score only on financial and geographic metrics unrelated to protected characteristics.
File a complaint
- Treka: info@trekacorp.com
- CA Dept. of Real Estate · dre.ca.gov · (877) 373-4542
- HUD · hud.gov/fairhousing · (800) 669-9777
- CA Civil Rights Dept. · calcivilrights.ca.gov
Questions or requests
For privacy requests, data deletion, licensing questions, or general legal inquiries, reach our compliance team:
Treka Corporation — Legal & Compliance
One team for everything — including this
We acknowledge legal and privacy inquiries within 10 business days. CCPA data-subject requests are acknowledged within 10 days and completed within 45 days.