The field manifest.
A Project File is what a credit union receives instead of a lead: the bid and its amount, the contractor's licence and certificate of insurance, permit status, the cancellation date, a signed consent record — and, after the work, a dual-signed completion attestation. This page is every field in it, and whether that field exists in running code this morning.
One object, three tiers
DuckWater is a technology and attestation company. It sells a Project File, not a lead, and it never makes the decision that follows one.
Tier 1 is in every file. Tier 2 is there only because the person put it there, one item at a time. Tier 3 is the tier that never exists — the fields DuckWater refuses to hold, listed so that "we do not do that" is checkable rather than reassuring.
The file is built to land in the institution's own systems and be underwritten there. DuckWater does not lend, insure, decide, price, hold funds or keys, or charge the contractor a fee — see the rules we publish, where each of those is tied to the test or the clause that keeps it true.
How to read the Today column
Every row says what exists now, because a field list with no such column is a wish list.
- CollectedThe intake or the document store writes this field today.
- PartialSomething is collected, but not yet in the shape this spec names. The row says which part is missing.
- SpecifiedWritten down here, not built. No page on this site describes it in the present tense.
Tier 1 — in every file
| Field | Where it comes from | Today |
|---|---|---|
| Bid and scopethe contractor's own document, attached as signed | Upload · required of the homeowner | Collected |
| Amountthe figure on that bid | Intake | Partiala band today (under 15k / 15–40 / 40–75 / 75+), not an exact figure |
| Contractor identitylegal entity, trade, service area | Builder Partner record | Collected |
| Contractor licencenumber and issuing state | Contractor signup · required, photo or PDF | Collectedthe file and the number are on the partner record at signup; the issuing state is the state they work in |
| Certificate of insurancecarrier, lines, limits | Contractor signup · required, carries an expiry | Partialthe file, the carrier and the expiry date are on the partner record at signup; lines and limits are not yet parsed fields |
| Permit statusfiled, issued, or not required — with the authority named | Document · optional | Partialthe permit document is collected; the status is not yet a field |
| Cancellation windowa date, not a duration | Computed at signature | Specified |
| Consent recordthe disclosure text exactly as the person saw it | Consent store · verbatim, versioned, timestamped | Collected |
| Completion attestationdual-signed by contractor and homeowner, after the work | Post-completion | Specified |
Tier 2 — only if the person adds it
Consumer-permissioned, one item at a time. Nothing here is required to get an answer, and refusing any of it does not change what an institution is shown.
| Field | Where it comes from | Today |
|---|---|---|
| Photosbefore, during, after | Homeowner upload | Partialthe document store takes homeowner uploads today — photo ID, income, the bid, the contract, the permit. Project photos are not one of its kinds yet |
| Lien waiverwhen the job reaches the stage that produces one | Upload | Specified |
| Permit close-outthe authority's document, not our summary | Upload | Specified |
| Change orderssigned, or they are not in the file | Upload | Specified |
Tier 3 — the row that never exists
Not "we do not currently". These are absent by construction: there is no column for them, and adding one would be a schema change with a reviewer on it.
- A DuckWater credit score, band, tier or rating of the homeowner.
- A DuckWater ranking, grade, star rating or league table of contractors.
- Credit-bureau data. DuckWater performs no credit inquiry of any kind, so there is nothing to hold.
- SSN, date of birth, income or assets held for DuckWater's own use. The institution collects what its own programme requires, in its own flow.
- Anything sold, rented or syndicated to a third party. There is no list, and there is no buyer.
The completion attestation
Deliberately narrow, because the wide version would be a claim DuckWater is not licensed to make. The attestation is a record that the contractor and the homeowner both signed to say the work described in the bid was done — corroborated by the photos, the lien waiver and the permit close-out attached to the same file.
It is a record, not an inspection. DuckWater does not visit the site, does not verify workmanship, and does not certify that anything was built to code. Two parties said so, in writing, on a date. That is the whole claim.
Delivery
Four integration shapes are modelled today — a link, a hosted redirect, an embedded widget and an API hand-off — and a file is never handed anywhere without a matching consent record, which is enforced by a test rather than by a convention.
No institution is connected. No Project File has been delivered to anyone. When the first integration goes live this page will name the date it did, and the shape it used.