Privacy Policy

Key Points

OneNexus Insurance Services LLC ("OneNexus") respects your privacy. This Privacy Policy explains how we collect, use, share, and protect information when you visit our website. Here's what you should know:

• We collect information you provide (contact forms, inquiries) and information automatically collected (cookies, analytics)
• We use your information to respond to inquiries, improve our services, and for marketing purposes
• We share information with service providers, carrier partners, and as required by law
• You have rights regarding your personal information, including access, correction, and deletion rights
• We use cookies and similar technologies; you can control these through your browser settings
• For California residents: specific CCPA/CPRA rights and disclosures apply
• For EEA/UK residents: GDPR rights and protections apply where applicable

1. Introduction

This Privacy Policy describes how OneNexus Insurance Services LLC ("OneNexus," "we," "us," or "our") collects, uses, discloses, and protects personal information obtained through our website at www.OneNexus.com (the "Site").

By using the Site, you consent to the collection and use of your information as described in this Privacy Policy. If you do not agree with this Privacy Policy, please do not use the Site.

About OneNexus

Insurance services are provided by OneNexus Insurance Services LLC (ONIS), a licensed insurance agency offering financial assurance and surety products for the energy, infrastructure, and utilities sectors. ONIS operates in partnership with Travelers Insurance Company and Munich Re, among other licensed carriers, to deliver insured financial contracts and surety bond programs.

OneNexus Group of Companies

OneNexus is the brand name for products and services provided by a group of commonly owned companies that design, distribute, and manage financial assurance and surety solutions for the energy and infrastructure sectors.

As used on this website, the name OneNexus may refer collectively to one or more of the following legal entities within the OneNexus group:

• OneNexus Holdco LLC, a limited liability company organized under the laws of Delaware, is the parent company in the OneNexus group. Holdco owns the equity interests in its four subsidiaries: OneNexus LLC, OneNexus Oklahoma Captive Corp, OneNexus Insurance Services LLC, and OneNexus Capital LLC.
• OneNexus LLC develops and maintains the enterprise systems, technology infrastructure, underwriting frameworks, actuarial models, and analytical tools that support the pricing, issuance, and management of insured financial contracts and surety solutions. The company provides data analytics, risk modeling, and technology services to other OneNexus subsidiaries, enabling accurate forecasting of long-duration asset retirement obligations and sustainable funding strategies.
• OneNexus Oklahoma Captive Corp (OOCC) is a regulated captive insurance company organized under the laws of Oklahoma and licensed by the Oklahoma Insurance Department (OID). OOCC holds reserves against long-term decommissioning and asset retirement obligations, providing a secure and regulated structure to ensure that funds are available to meet these obligations in the future.
• OneNexus Insurance Services LLC is a licensed insurance agency that distributes and services financial assurance and surety products across the United States. ONIS acts as a licensed agent and program administrator for OneNexus and other program participants, including Travelers Insurance Company.
• OneNexus Capital LLC is the investment management subsidiary of the OneNexus group. It manages investment portfolios associated with the insurance and financial assurance programs. Its investment operations are designed to ensure prudent, transparent, and compliant management of assets that support the long-term obligations.

2. Information We Collect

We collect several types of information from and about users of our Site.

2.1 Information You Provide to Us

Contact and Inquiry Information

When you submit a contact form, request a quote, sign up for updates, or otherwise communicate with us, we may collect:

• Name and title
• Company name and industry
• Email address
• Phone number
• Mailing address
• Project details and coverage needs
• Any other information you choose to provide

Communications

When you email us or communicate through the Site, we collect the content of your messages and any attachments.

2.2 Information Collected Automatically

When you visit our Site, we automatically collect certain information about your device and how you interact with the Site:

Usage and Device Information

• IP address
• Browser type and version
• Device type (desktop, mobile, tablet)
• Operating system
• Referring/exit pages and URLs
• Pages viewed and time spent on pages
• Click-stream data and navigation patterns
• Date and time stamps
• Language preferences

Cookies and Similar Technologies

We use cookies, web beacons, pixels, and similar tracking technologies to collect information about your browsing activities. See our Cookie Policy for detailed information about the types of cookies we use and how to control them.

2.3 Information from Third Parties

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

• Marketing partners and lead generation services
• Analytics providers
• Social media platforms (if you interact with our content)
• Publicly available sources
• Business partners and affiliates

3. How We Use Your Information

We use the information we collect for the following purposes:

3.1 Service Delivery and Communication

• Responding to your inquiries and requests
• Providing information about our financial assurance and surety products
• Processing quote requests and evaluating coverage needs
• Communicating with you about products, services, and programs
• Providing customer support

3.2 Business Operations

• Improving and optimizing the Site and user experience
• Analyzing trends and user behavior
• Conducting research and analytics
• Managing our business relationships
• Maintaining records for business and legal purposes

3.3 Marketing and Advertising

• Sending you marketing communications about our products and services (with your consent where required)
• Displaying targeted advertising on third-party platforms
• Measuring the effectiveness of our marketing campaigns
• Personalizing content and offers

You may opt out of marketing communications at any time using the unsubscribe link in our emails or by contacting us at contact@onenexus.com.

3.4 Legal and Security

• Complying with legal obligations and responding to legal requests
• Protecting against fraud, unauthorized access, and security threats
• Enforcing our Terms of Service and other agreements
• Protecting the rights, property, and safety of OneNexus, our users, and the public

4. How We Share Your Information

We may share your information in the following circumstances:

4.1 Service Providers and Business Partners

We share information with third-party service providers who perform services on our behalf, including:

• Website hosting providers (e.g., Webflow)
• Analytics providers (e.g., Google Analytics)
• Customer relationship management (CRM) platforms [e.g., HubSpot, Salesforce]
• Email service providers [e.g., Mailchimp]
• Marketing and advertising platforms [e.g., LinkedIn, Google Ads]
• IT and security service providers

These service providers are contractually obligated to use your information only for the purposes of providing services to us and to maintain appropriate security measures.

4.2 Insurance Carriers and Reinsurers

As part of providing financial assurance and surety products, we may share your information with:

• Travelers Insurance Company
• Munich Re
• Other participating licensed carriers and surety providers
• OneNexus Oklahoma Captive Corp (OOCC)
• Underwriters and risk evaluators
• Insurance agencies and brokerages

This information is shared to evaluate coverage options, underwrite policies, and administer insurance programs.

Compensation Disclosure: OneNexus Insurance Services LLC receives commissions or other compensation based on the premiums or fees associated with the financial contracts and surety bonds it distributes.

4.3 Legal and Regulatory Requirements

We may disclose your information when we believe in good faith that disclosure is necessary to:

• Comply with applicable laws, regulations, or legal processes
• Respond to lawful requests from government authorities or regulatory agencies
• Enforce our Terms of Service or other agreements
• Protect the rights, property, or safety of OneNexus, our users, or others
• Detect, prevent, or address fraud or security issues

4.4 Business Transfers

In the event of a merger, acquisition, reorganization, sale of assets, or bankruptcy, your information may be transferred as part of that transaction. We will notify you via email and/or a prominent notice on our Site of any change in ownership or use of your information.

4.5 With Your Consent

We may share your information for other purposes with your consent or at your direction.

4.6 Aggregate and De-Identified Information

We may share aggregate, de-identified, or anonymized information that does not identify you personally for research, marketing, analytics, or other business purposes.

5. Cookies and Tracking Technologies

We and our service providers use cookies and similar technologies to collect information about your browsing activities. For detailed information about the types of cookies we use, their purposes, and how to control them, please see our Cookie Policy.

Cookie Categories

• Strictly Necessary Cookies: Essential for the Site to function properly
• Preference Cookies: Remember your settings and preferences
• Analytics Cookies: Help us understand how visitors use the Site
• Advertising Cookies: Used to deliver targeted advertising and measure campaign effectiveness

Managing Cookies

You can control cookies through your browser settings. See our Cookie Policy for detailed instructions. Note that disabling certain cookies may limit your ability to use some features of the Site.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes described in this Privacy Policy, unless a longer retention period is required or permitted by law.

Retention Criteria:

• Contact and inquiry information: Until you request deletion
• Marketing communications: Until you unsubscribe or request deletion
• Website analytics: Per provider settings
• Legal and compliance records: As required by applicable laws and regulations

When we no longer need your information, we will securely delete or anonymize it in accordance with our data retention and deletion procedures.

7. Data Security

We implement reasonable administrative, technical, and physical security measures designed to protect your information from unauthorized access, use, disclosure, alteration, or destruction.

Security Measures Include:

• Encryption of data in transit using SSL/TLS
• Secure server infrastructure and access controls
• Regular security assessments and monitoring
• Employee training on data protection practices
• Contractual obligations for service providers to maintain security

No Guarantee of Security

While we strive to protect your information, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your information. You transmit information to us at your own risk.

8. Third-Party Websites and Services

Our Site may contain links to third-party websites, plugins, or services that are not operated by OneNexus. We are not responsible for the privacy practices of these third parties.

We encourage you to review the privacy policies of any third-party websites or services you visit. This Privacy Policy applies only to information collected through our Site.

Third-Party Services We May Use:

• Google Maps (for location features)
• YouTube or Vimeo (for embedded videos)
• Social media plugins (LinkedIn, Twitter, etc.)

9. Children's Privacy

Our Site is not intended for children under the age of 18. We do not knowingly collect personal information from children under 18. If you are a parent or guardian and believe we have collected information from a child under 18, please contact us immediately at contact@onenexus.com and we will take steps to delete such information.

10. Your Privacy Rights and Choices

Depending on your location, you may have certain rights regarding your personal information.

10.1 General Rights

Access and Correction: You may request access to or correction of your personal information by contacting us.

Opt-Out of Marketing: You may opt out of receiving marketing emails by using the unsubscribe link in our emails or contacting us at contact@onenexus.com.

Cookie Controls: You can manage cookies through your browser settings. See our Cookie Policy for details.

Do Not Track Signals: Our Site does not currently respond to "Do Not Track" (DNT) browser signals. We will update this policy if our practices change.

10.2 California Privacy Rights (CCPA/CPRA)

If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA):

Right to Know

You have the right to request that we disclose:

• Categories of personal information we collected about you
• Categories of sources from which we collected your information
• Business or commercial purposes for collecting or selling your information
• Categories of third parties with whom we share your information
• Specific pieces of personal information we collected about you

Right to Delete

You have the right to request deletion of personal information we collected from you, subject to certain exceptions.

Right to Correct

You have the right to request correction of inaccurate personal information we maintain about you.

Right to Opt-Out of Sale/Sharing

We do not "sell" personal information as most people would understand that term. However, our use of certain analytics and advertising cookies may constitute "sharing" under CCPA. You can opt out of this sharing by adjusting your cookie preferences through our Cookie Banner or by using browser-based controls.

Right to Limit Use of Sensitive Personal Information

We do not use or disclose sensitive personal information for purposes beyond those permitted under CCPA.

Right to Non-Discrimination

You have the right not to receive discriminatory treatment for exercising your CCPA rights.

Authorized Agents

You may designate an authorized agent to make requests on your behalf. We may require written proof of authorization and verify your identity directly.

California "Shine the Light" Law

California residents may request information about our disclosure of personal information to third parties for their direct marketing purposes. Contact us at contact@onenexus.com for such requests.

How to Exercise Your California Rights

To exercise your rights under CCPA/CPRA, please:

• Email us at contact@onenexus.com
• Call us at (713) 783-8000

We will verify your identity before processing your request and respond within 45 days (extendable by an additional 45 days if necessary).

10.3 European Economic Area (EEA) and UK Privacy Rights (GDPR)

If you are located in the EEA or UK, the General Data Protection Regulation (GDPR) and UK GDPR provide you with specific rights regarding your personal data.

Lawful Bases for Processing

We process your personal data based on the following lawful bases:

• Consent: When you have given consent for specific purposes (e.g., marketing communications)
• Contract: When processing is necessary to fulfill our contractual obligations or take pre-contractual steps
• Legitimate Interests: When we have a legitimate business interest (e.g., improving our services, fraud prevention)
• Legal Obligation: When processing is necessary to comply with legal requirements

Your GDPR Rights

• Right of Access: Request access to your personal data
• Right to Rectification: Request correction of inaccurate data
• Right to Erasure: Request deletion of your data ("right to be forgotten")
• Right to Restriction: Request limitation of processing in certain circumstances
• Right to Data Portability: Request transfer of your data in a structured, machine-readable format
• Right to Object: Object to processing based on legitimate interests or for direct marketing
• Right to Withdraw Consent: Withdraw consent at any time (without affecting prior processing)
• Right to Lodge a Complaint: File a complaint with your local data protection authority

International Data Transfers

If you are located in the EEA or UK, your information may be transferred to and processed in the United States or other countries that may not provide the same level of data protection as your home country. When we transfer personal data internationally, we rely on appropriate safeguards such as:

• Standard Contractual Clauses approved by the European Commission
• Adequacy decisions
• Other legally compliant transfer mechanisms

How to Exercise Your EEA/UK Rights

To exercise your rights under GDPR or UK GDPR, please contact us at contact@onenexus.com. We will respond to your request within one month (extendable by two additional months for complex requests).

Data Controller

OneNexus Insurance Services LLC is the data controller responsible for your personal data.

11. Categories of Personal Information (California Disclosure)

Under CCPA, we disclose the following categories of personal information we collect, use, and share:

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Purposes for Collection:

• Providing and improving our services
• Communication and customer support
• Marketing and advertising
• Analytics and research
• Legal compliance and security

Sources of Information:

• Directly from you (forms, emails, communications)
• Automatically through cookies and tracking technologies
• Third-party partners and service providers

12. Updates to This Privacy Policy

We may update this Privacy Policy from time to time to reflect changes in our practices, technology, legal requirements, or other factors. We will post the updated Privacy Policy on this page with a new "Last Updated" date.

Notification of Material Changes:

If we make material changes to how we collect, use, or share your personal information, we will notify you by:

• Posting a prominent notice on the Site

Your continued use of the Site after changes become effective constitutes acceptance of the updated Privacy Policy.

13. Contact Us

If you have questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

OneNexus Insurance Services LLC
1360 Post Oak Blvd, Suite 2400
Houston, Texas 77056
Email: contact@onenexus.com
Phone: (713) 783-8000

For California Residents:
You may contact us using the information above to exercise your CCPA/CPRA rights.

For EEA/UK Residents:
You may contact us using the information above to exercise your GDPR rights.