Privacy Policy

1. Who We Are

Yumi Consulting LLC d/b/a Hawaii Reward Travel is a Hawaii-based travel rewards consulting and media company. We help Hawaii locals and travelers earn and maximize credit card points, miles, and travel rewards. Our website is located at hawaiirewardtravel.com.

2. Information We Collect

We collect two types of information: information you provide directly to us, and information collected automatically when you visit our site.

Information you provide:

• Your name and email address when you subscribe to our newsletter or email list
• Any information you share when contacting us directly via email or our contact form
• Information submitted through consulting inquiry forms or similar features

Information collected automatically:

• IP address and browser type
• Pages visited, time spent on site, and referring URLs
• Device type and operating system
• Cookies and similar tracking technologies (see Section 5 below)

3. How We Use Your Information

We use the information we collect to:

• Send you our newsletter, travel deals, and credit card offers you've opted in to receive
• Respond to your questions, inquiries, and consulting requests
• Improve our website, content, and user experience
• Analyze site traffic and usage patterns through analytics tools
• Comply with legal obligations

4. How We Share Your Information

We may share your information in limited circumstances:

• Email service providers: We use third-party platforms to manage our email list and send newsletters. These providers have their own privacy policies governing data use.
• Analytics providers: We use tools like Google Analytics to understand how visitors use our site. Google may collect and process data per its own privacy policy.
• Affiliate and advertising partners: When you click on affiliate links (such as credit card application links through Bankrate or similar partners), those third parties may collect data per their own privacy policies. We do not control their data practices.
• Legal requirements: We may disclose your information if required by law or to protect the rights, safety, or property of HRT or others.

5. Cookies & Tracking Technologies

Our website uses cookies to improve your browsing experience. We use cookies to:

• Remember your preferences and settings
• Analyze site traffic through Google Analytics
• Support affiliate tracking for credit card links and partner referrals

You can control or disable cookies through your browser settings. Note that disabling cookies may affect the functionality of certain parts of our site. By continuing to use our site, you consent to our use of cookies as described here.

6. Third-Party Links

Our website contains links to third-party websites, including credit card issuers, airlines, hotels, and affiliate partners. Once you leave our site, this Privacy Policy no longer applies. We strongly encourage you to review the privacy policies of any third-party websites you visit.

7. Children's Privacy

Our website and services are intended for adults only. We do not knowingly collect personal information from anyone under the age of 18. If you believe a minor has provided us with personal information, please contact us immediately and we will delete it.

8. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes outlined in this policy, or as required by law. If you unsubscribe from our email list, we will remove your address from active communications. You may request complete deletion of your data by contacting us.

9. Your Rights & Choices

You have the right to:

• Unsubscribe from our email list at any time by clicking the "unsubscribe" link in any email
• Request access to or correction of the personal information we hold about you
• Request deletion of your personal data
• Opt out of certain data collection practices by adjusting your browser or device settings

Hawaii residents may have additional rights under applicable Hawaii state law. To exercise any of these rights, please contact us using the information below.

10. Security

We take reasonable technical and organizational measures to protect your personal information from unauthorized access, use, or disclosure. However, no transmission of data over the internet is 100% secure, and we cannot guarantee absolute security.

11. Changes to This Policy

We may update this Privacy Policy from time to time. When we do, we will update the "Last Updated" date at the top of this page. We encourage you to review this policy periodically. Your continued use of our website after any changes constitutes your acceptance of the updated policy.