Last updated: April 23, 2025

This privacy policy (“Privacy Policy”) generally describes the information Orca Ventures, LLC, Orca Ventures Insurance Services, LLC, and all of their affiliates or subsidiary companies (collectively “ContractorNerd”, “we”, or “us”), collect when you access or use our website and any of our applications, products or services (collectively, the “Services”). It also explains how we use and share the information and what steps we take to protect it.

We use Your Personal data to provide and improve the Service. By using the Service, You agree to the collection and use of information in accordance with this Privacy Policy.

This Privacy Policy applies to any personal information you provide to ContractorNerd and any personal information we collect when you contact us, visit or use our websites or applications, visit a ContractorNerd location, attend events or seminars where ContractorNerd is present, request a service from us or use other services that refer to or link to this Privacy Policy.

This Privacy Policy is also supplemented by additional privacy statements, terms or notices relevant to your experience with ContractorNerd. Please also review the Terms and Conditions that govern your use of our Services. This Privacy Policy does not apply to your use of any third-party websites linked to or from our websites or Services.

Interpretation and Definitions

Interpretation

The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.

Definitions

For the purposes of this Privacy Policy:

  • Account means a unique account created for You to access our Service or parts of our Service.
  • Affiliate means an entity that controls, is controlled by or is under common control with a party, where “control” means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
  • Company (referred to as either “the Company”, “We”, “Us” or “Our” in this Agreement) refers to Orca Ventures LLC, 35 Miller Ave, Unit #527, Mill Valley, CA 94941 United States.
  • Cookies are small files that are placed on Your computer, mobile device or any other device by a website, containing the details of Your browsing history on that website among its many uses.
  • Country refers to: California, United States
  • Device means any device that can access the Service such as a computer, a cellphone or a digital tablet.
  • Personal Data is any information that relates to an identified or identifiable individual.
  • Service refers to the Website.
  • Service Provider means any natural or legal person who processes the data on behalf of the Company. It refers to third-party companies or individuals employed by the Company to facilitate the Service, to provide the Service on behalf of the Company, to perform services related to the Service or to assist the Company in analyzing how the Service is used.
  • Usage Data refers to data collected automatically, either generated by the use of the Service or from the Service infrastructure itself (for example, the duration of a page visit).
  • Website refers to ContractorNerd, accessible from https://www.contractornerd.com
  • You means the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable.

1. Information we collect

The types of information we collect and share depends on the product or Services you have with us. This information can include:

  • Contact or user details, such as your name, contact information, driver’s license number and social security number
  • Demographic details, such as your date of birth, gender, and marital status
  • Unique identifiers, such as your Passport Number, National or Military ID, Federal Employer Identification Number (FEIN), state Identification Number, contractor license information, or other reference number
  • Account information, such as log-in information when you log into our website
  • Financial and business ownership information, such as including profit sharing and ownership interests, employment status, salary, job title, and affiliations
  • Contractor-specific information, such as project history, specializations, certifications, and licensing information
  • Other information used for Services, such as your payment history, claims information, background checking information, and previous insurance information

If you use our websites, we may also automatically collect online information such as:

  • Device data, such as information about your computer, phone, tablet or other device you use to access the Services
  • Your IP address, location data, or other device identifying information, browser type, browser language, the date and time of your request, and one or more cookies that may uniquely identify your device
  • Language preferences
  • Referring URLs
  • Information obtained through the use of cookies, flash cookies, web beacons, or embedded script
  • Interactions which may include viewed pages and content, along with other actions performed while using the Services

We may supplement the information we collect about you with information from third parties. This information may include, but is not limited to:

  • Information from other sources, such as those reporting financial, employment, litigation, medical or health care information
  • Public database information
  • Other parties or partner information, such as information received from joint marketing partners, affiliate programs, data providers, social media or insurer partners
  • Information from other reporting agencies and state and federal government agencies, such as state motor vehicle departments, contractor licensing boards, and credit reporting agencies

We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms and Conditions.

A detailed internal retention schedule supports these periods and is available upon request.

Sensitive Data Exclusions

We do not knowingly collect “sensitive personal information” as defined by CPRA §1798.140(ae) (e.g., precise geolocation, racial or ethnic origin, biometric templates) unless you voluntarily provide it in connection with an insurance application. Our Service, including our analytics tools like Clicky and other tracking technologies, does not collect or process sensitive personal information, including but not limited to:

  • Protected health information under HIPAA
  • Consumer health data
  • Medical information under state laws
  • Sensitive personal information as defined by CCPA
  • Taxpayer identity or return information
  • Nonpublic personal financial information under GLBA
  • Consumer report or medical information under FCRA

If you believe sensitive information has been inadvertently submitted, please contact us immediately at hello@contractornerd.com.

We may supplement the information we collect about you with information from third parties. This information may include, but is not limited to:

  • Information from other sources, such as those reporting financial, employment, litigation, medical or health care information
  • Public database information
  • Other parties or partner information, such as information received from joint marketing partners, affiliate programs, data providers, social media or insurer partners
  • Information from other reporting agencies and state and federal government agencies, such as state motor vehicle departments, contractor licensing boards, and credit reporting agencies

We treat all information about you, whether received from you or from a third party, in accordance with this Privacy Policy and our Terms and Conditions.

2. How do we use the information we collect?

We use the information we collect to provide, maintain, protect, optimize and improve our Services, and to enhance your user experience. We may also use the information we collect in the following ways:

Everyday business purposes: We use the information you provide to maintain your account(s), report to credit bureaus, process or service requested or authorized transactions, sell, solicit, negotiate or secure quotations for insurance, obtain insurance coverage or report or process claims. Your information may be disclosed to regulators, insurers, reinsurers, insurance intermediaries, brokers, underwriters, insurance reference bureaus, medical service providers, fraud detection agencies, loss adjusters, lawyers, accountants, and others involved in insurance related activities. Your information may also be used to carry out due diligence, identity, credit reference, bankruptcy, sanctions, data validation, anti-money laundering, “Know Your Customer” and other business acceptance, vetting and risk management agency checks.

For our own analytic purposes: ContractorNerd may also use your information to develop new Services, conduct research and to create anonymous or aggregated reporting for its own use, including specialized services for contractors.

For our own marketing purposes: ContractorNerd may use your information to offer products or Services to you, including contractor-specific insurance solutions.

To comply with legal requirements: It may be necessary to retain and provide information collected from you to respond to subpoenas, other discovery requests, legal investigations, regulatory investigations or court orders. We may share information pursuant to a governmental agency or investigatory body request. We may also use personal information to enforce our agreements, trace debtors, recover any outstanding debt in connection with the Services provided, and share your information as required by the Fair Credit Reporting Act.

3. How is your information shared?

ContractorNerd does not generally share, sell, rent or otherwise distribute your personal information except:

With our service providers: We may share your personal information with other companies and individuals to perform functions or services for us or on our behalf, including but not limited to hosting this site, sending and receiving messages whether via email, chat, text or otherwise, managing and facilitating payments, making phone calls, and providing services associated with technology, insurance and related services. These parties are contractually restricted from using any personal information for purposes other than providing services for ContractorNerd or on our behalf.

For administrative and legal reasons: See Section 2 above. Additionally, ContractorNerd also reserves the right to disclose or use information if it has a good faith belief that such action is necessary to: (a) protect and defend the rights, property, or safety of ContractorNerd, other users of this website, or the public; (b) enforce the Terms and Conditions; (c) respond to claims that any content violates the rights of third parties; (d) respond to claims of suspected or actual illegal activity; (e) detect, address or prevent fraud, security or technical issues; or (f) respond to an audit.

4. How can you limit the sharing of your data?

ContractorNerd respects your privacy and your right to limit the sharing of your information. The following identifies ways in which you can limit the sharing of your information and data.

You can contact us at any time to limit our sharing by using the contact information at the bottom of this Privacy Policy. Please note, however, that federal law gives you the right to limit only:

  • Sharing for affiliates’ everyday business purposes – information about your creditworthiness;
  • Affiliates from using your information to market to you;
  • Sharing for non-affiliates to market to you; and
  • Where state laws may give you additional rights to limit sharing.

You can also opt out of receiving marketing emails by following the instructions in any marketing email or text message you receive, however you may not opt out of communications related to Services.

If you do not wish to allow our website to use cookies or similar technology, you may configure your browser to block them. Please understand that blocking cookies may reduce the functions and Services our website makes available to you.

For more information on how to reject or delete cookies, you should consult with your browser’s or device’s help documentation or visit www.aboutcookies.org. At this time, ContractorNerd does not respond to automated signals regarding tracking mechanisms, including “do not track” instructions from your browser. You can also opt out of internet-based advertising by installing a browser plugin from third parties where available.

Tracking Technologies and Cookies

We use Cookies and similar tracking technologies to track the activity on Our Service and store certain information. Tracking technologies used are beacons, tags, and scripts to collect and track information and to improve and analyze Our Service. The technologies We use may include:

  • Cookies or Browser Cookies. A cookie is a small file placed on Your Device. You can instruct Your browser to refuse all Cookies or to indicate when a Cookie is being sent. However, if You do not accept Cookies, You may not be able to use some parts of our Service. Unless you have adjusted Your browser setting so that it will refuse Cookies, our Service may use Cookies.
  • Web Beacons. Certain sections of our Service and our emails may contain small electronic files known as web beacons (also referred to as clear gifs, pixel tags, and single-pixel gifs) that permit the Company, for example, to count users who have visited those pages or opened an email and for other related website statistics (for example, recording the popularity of a certain section and verifying system and server integrity).
  • Clicky Web Analytics. We use Clicky to collect anonymous data about website usage. This includes page views, visitor location data, referring sites, and other standard web analytics metrics. Clicky may use cookies and store your IP address. You can learn more about Clicky’s privacy practices and opt-out options at https://clicky.com/terms/privacy.

Cookies can be “Persistent” or “Session” Cookies. Persistent Cookies remain on Your personal computer or mobile device when You go offline, while Session Cookies are deleted as soon as You close Your web browser.

We use both Session and Persistent Cookies for the purposes set out below:

  • Necessary / Essential Cookies
    • Type: Session Cookies
    • Administered by: Us
    • Purpose: These Cookies are essential to provide You with services available through the Website and to enable You to use some of its features. They help to authenticate users and prevent fraudulent use of user accounts. Without these Cookies, the services that You have asked for cannot be provided, and We only use these Cookies to provide You with those services.
  • Cookies Policy / Notice Acceptance Cookies
    • Type: Persistent Cookies
    • Administered by: Us
    • Purpose: These Cookies identify if users have accepted the use of cookies on the Website.
  • Functionality Cookies
    • Type: Persistent Cookies
    • Administered by: Us
    • Purpose: These Cookies allow us to remember choices You make when You use the Website, such as remembering your login details or language preference. The purpose of these Cookies is to provide You with a more personal experience and to avoid You having to re-enter your preferences every time You use the Website.

For more information about the cookies we use and your choices regarding cookies, please visit our Cookies Policy or the Cookies section of our Privacy Policy.

5. What steps does ContractorNerd take to protect your information?

To protect your personal information from unauthorized access and use, we utilize security measures that comply with federal law. These measures include administrative, technical and physical safeguards. We restrict access to your personal information to those employees or service providers who need to know such information in order to provide the requested Services or products.

We cannot guarantee the security of our systems, nor can we guarantee that information you supply will not be intercepted while being transmitted to us over the internet.

6. Some other matters

Consent to recording of your information: By using ContractorNerd’s Services, you are expressly consenting to the recording of your personal information and the sharing of this information as set forth above. You expressly waive any claim that by recording your personal information, whether transmitted to a third party or not, violates any applicable privacy rights under any state or federal law.

ContractorNerd’s use of artificial intelligence (“AI”) technologies: ContractorNerd utilizes artificial intelligence (“AI”) technologies, including but not limited to generative AI, to enhance the user experience and improve the services we provide. AI may be used to analyze user interactions, personalize content, detect and prevent fraudulent activities, optimize our operational efficiencies, and provide tailored insurance solutions for contractors. When employing AI, we ensure that data is processed in compliance with applicable privacy laws and regulations. We implement robust security measures to protect personal data from unauthorized access or misuse. Users have the right to know how their data is being used by AI systems and can request further information or exercise their data rights by contacting us through the provided channels. We are committed to maintaining transparency and upholding user privacy while leveraging AI for innovative solutions.

Accessing and correcting your information: Keeping your information accurate and up-to-date is very important since inaccurate or incomplete information could impact our ability to deliver Services to you. Please let us know about any changes that may be required to your personal information by updating your account profile or by contacting your success team.

Continued use of information: Even if you are no longer our customer, we may continue to retain and share your information as described in this Privacy Policy, in accordance with record retention policies or guidelines, or as required under applicable law or regulation.

Insurance Information Practices Notice
Certain states adopt the NAIC Insurance Information and Privacy Protection Act (Model #670). Where required, we provide a separate Insurance Information Practices Notice describing additional rights specific to insurance transactions. You may request a copy at hello@contractornerd.com.

External links and third-party privacy policies: ContractorNerd may post links to third party websites that are governed by their own terms and are not subject to this Privacy Policy. We do not exercise control over these third party sites and are not responsible for the privacy practices of any third party. We encourage you to read the privacy policies and terms of use of any third party websites you visit.

Social media: Any information that you submit to a social media site such as Instagram, Twitter/X, Facebook, and others is done at your own risk and without any expectation of privacy. You must review the Privacy Policy of any third party website you interact with and ContractorNerd cannot control the actions of social media site users nor cannot guarantee the privacy or safety of these sites and therefore is not responsible for any content that you or any other social media user posts.

Applicability of privacy policy to international users: The Services are operated in the United States and intended for users located in the United States. If you access this site from a location outside of the United States, your information may be transferred to the United States and you agree to such transfer. Furthermore, you acknowledge that the United States may not provide the same level of protections as the laws of your country.

Children: The Services are not intended for anyone under the age of 18. We do not knowingly collect, use or disclose information of children under the age of 13 without the consent of their parents or legal guardians. We will delete any personal information collected that we determine to be from a user younger than the age of 13.

Rights of California residents: ContractorNerd does not share or disclose your personal information to third parties for the third parties’ direct marketing purposes. Therefore, California’s “Shine the Light” law (California Civil Code § 1798.83) does not apply to ContractorNerd.

CCPA Privacy Rights (for California residents)

If you reside in California, you have certain privacy rights under the California Consumer Privacy Act (CCPA). This section outlines your rights under CCPA.

As a California resident, you have the right to:

  • Request information about the categories and specific pieces of personal data we have collected about you in the past 12 months, the categories of sources the data came from, the purpose for collecting it, and the categories of third parties we shared it with.
  • Request deletion of personal data we have collected from you, subject to certain exceptions.
  • Opt out of any sale of your personal data.

To make a CCPA request, you can contact us at hello@contractornerd.com. You are required to verify your identity if you make a CCPA request. We will respond to your request within 45 days.

CPRA Privacy Rights (for California residents)

The California Privacy Rights Act (CPRA) expands on existing rights under CCPA. This section outlines your rights under CPRA.

As a California resident, you have the right to:

  • Request correction of inaccurate personal data we maintain about you.
  • Limit the use and disclosure of your sensitive personal data.
  • Opt out of sharing your personal data for certain targeted advertising purposes, including “cross-context” targeted advertising.
  • Access personal data we have collected, processed, or shared about you in the past 12 months. This includes the categories of personal data collected, the purpose for its use, and categories of third parties/services providers with whom it was shared.

To make a request under CPRA, contact us at hello@contractornerd.com. You are required to verify your identity if you make certain requests under CPRA. We will respond to your CPRA request within 45 days.

Collection and Use of Prospect Data

We collect personal and Prospect Data, including names, phone numbers, and other identifiable information, for commercial insurance quotes and services. This data may be shared with Bold Penguin, Inc., and affiliates, under terms that preserve privacy and compliance. Notification will be provided at data collection, explaining potential contact by insurance agents or carriers.

Consent for Data Collection and Sharing

Consent for collecting Prospect Data is obtained explicitly, complying with TCPA, Do-Not-Call regulations, and other laws. This process, detailed at collection, ensures your informed agreement. Your data is shared with Bold Penguin only with prior express written consent, which you may withdraw by contacting us at hello@contractornerd.com.

Data Retention and Security

Prospect Data is retained as necessary for its collected purposes, legal compliance, and policy enforcement. We employ security measures, including encryption and secure data storage, to protect your data against unauthorized access or breaches.

Communications:

For additional information, or if you have questions regarding this Privacy Policy or privacy practices at ContractorNerd, please send correspondence to hello@contractornerd.com or via postal mail to:

Orca Ventures Insurance Services LLC Attn.: Legal Department 35 Miller Ave, Unit #527 Mill Valley, CA 94941

You can also contact us:

  • By email: hello@contractornerd.com
  • By visiting this page on our website: https://www.contractornerd.com/contact-us/

Changes to privacy policy:

This Privacy Policy may be revised at any time to reflect changes in the law or in ContractorNerd’s business operations, and ContractorNerd adopts any requirements as required by law, incorporating these by this reference until it is specified in an update to this Privacy Policy. Any changes will be effective immediately upon the posting of the revised Privacy Policy. Sometimes there may be material changes to this Privacy Policy that we want to apply retroactively. It is the user’s responsibility to check this document regularly for changes unless we are required by law to otherwise provide notifications or updates.

Revision date: April, 23rd 2025