Minerva Contractor Advisory LLC

Privacy Policy

Effective: June 5, 2026

Minerva Contractor Advisory LLC ("we," "us," "the Firm") provides bookkeeping and advisory services to construction businesses. Because we handle sensitive financial information, protecting it is core to our work. This policy explains what we collect, how we use and protect it, and your rights.

Information we collect

To deliver our services, we collect and process:

• Financial records: bank and credit-card statements, transactions, invoices, bills, payroll summaries, general-ledger data, financial statements, and job-cost / WIP data.
• Business information: entity name, EIN, address, ownership and officer details, licenses.
• Personal information (incidental): names and contact details of owners, employees, vendors, and customers appearing in your records; and, where required for bookkeeping or 1099 functions, taxpayer identification numbers.
• System access: access to your accounting platform (e.g., QuickBooks Online) and, where you authorize it, read access to financial-account portals.
• Information you provide directly (email, documents, portal uploads).

How we use information

Solely to: perform the bookkeeping and advisory services (including secure, AI-assisted analysis as described under "How we share it"); communicate with you; maintain our records; improve our services using de-identified, aggregated data only; and comply with legal obligations. We do not sell your information, and we do not use it for advertising.

How we protect it

We maintain a Written Information Security Program consistent with the FTC Safeguards Rule (under the Gramm-Leach-Bliley Act), including: encryption of data in transit (TLS and private, authenticated network tunnels); storage on firm-controlled, hardened infrastructure with key-based access restricted to authorized personnel; encrypted off-site backups; multi-factor authentication on third-party platforms that support it (accounting, email, cloud consoles); least-privilege access; and oversight of our service providers. See Security below.

How we share it

We share information only with:

• Service providers / sub-processors that help us deliver services (e.g., Intuit / QuickBooks Online; Amazon Web Services, including Bedrock AI processing on a no-retention basis — prompts and outputs are not stored by AWS or used to train models; Backblaze, which stores only firm-encrypted backups it cannot read), bound by confidentiality and security obligations;
• Authorities or third parties where required by law, subpoena, or to protect legal rights; and
• A successor in a business transfer, under equivalent protections.

We never sell or rent your data.

Data retention

We retain your financial records for seven (7) years (or as required by law or our engagement), then securely delete or return them. You may request return of your data upon termination.

Security

We use commercially reasonable administrative, technical, and physical safeguards — encrypted transmission, access-controlled firm infrastructure, encrypted off-site backups, multi-factor authentication where the platform supports it, and secure storage and disposal. Documents are exchanged only over channels we agree with you in the engagement letter; we will never ask you to send credentials over email. No system is perfectly secure; in the event of a breach involving personal information, we will notify affected parties as required by California law (Cal. Civ. Code § 1798.82) without unreasonable delay.

Your rights

You may request to access, correct, or delete your information, subject to legal and professional retention requirements. If the California Consumer Privacy Act applies to you, you have additional rights (to know, delete, correct, and to non-discrimination); we do not sell personal information. To exercise a right, contact us below.

Third-party services

Your accounting platform and financial institutions maintain their own privacy policies governing their handling of your data.

Changes

We may update this policy; the "Effective" date reflects the current version, and we will notify clients of material changes.