Your privacy matters to us. This Privacy Policy explains how Yumi Consulting LLC, doing business as Hawaii Reward Travel ("HRT," "we," "us," or "our") collects, uses, and protects information when you visit hawaiirewardtravel.com, subscribe to our email list, or interact with our content and services. By using our website, you agree to the practices described in this policy.
1. Who We Are
Yumi Consulting LLC d/b/a Hawaii Reward Travel is a Hawaii-based travel rewards media and consulting company. We help Hawaii locals and travelers earn and maximize credit card points, miles, and travel rewards.
Contact: scottk@hawaiirewardtravel.com
2. Advertiser Disclosure & Affiliate Compensation
Hawaii Reward Travel may receive compensation from card issuers and affiliate networks when you click on links to credit card offers on this site and are approved for a product. This compensation may influence which products we feature and how we present them. It does not affect our editorial opinions, ratings, or the accuracy of our content.
The card information published on this site — including welcome offers, annual fees, earning rates, and benefits — is gathered and maintained by the HRT editorial team. Some card information on this site has not been reviewed or provided by the card issuer. For the most up-to-date terms and conditions, always refer to the official credit card application on the issuer's website.
Opinions expressed on this site are the author's alone and are not those of any bank, credit card issuer, airline, or hotel chain. See our full Affiliate Disclosure for complete details.
3. Information We Collect
Information you provide:
- Your name and email address when you subscribe to our newsletter or email list
- Any information you share when contacting us via email or a contact form
- Information submitted through consulting inquiry forms or the ʻOhana Program sign-up
Information collected automatically:
- IP address and general geographic location
- Browser type and device information
- Pages visited, time spent on site, and referring URLs
- Device type and operating system
- Cookie and tracker data (see Section 6 below)
4. How We Use Your Information
- Send you our newsletter, travel deals, and credit card updates you have opted in to receive
- Respond to your questions, inquiries, and consulting requests
- Improve our website, content, tools, and user experience
- Analyze site traffic and usage through analytics tools
- Track referrals through affiliate and credit card partner networks
- Comply with legal obligations
We do not sell your personal information to third parties.
5. How We Share Your Information
- Email service providers: We use third-party platforms to manage our email list and send communications. These providers process data under their own privacy policies.
- Analytics providers: We use Google Analytics to understand how visitors use our site. You may opt out at tools.google.com/dlpage/gaoptout.
- Affiliate and advertising networks: When you click on affiliate links, those networks may independently collect tracking data per their own policies. Our current partners include Bankrate, The Flight Wall, Rakuten Advertising, and similar platforms.
- Card issuers: When you apply for a credit card through a link on our site, the issuing bank will collect your application information per their own privacy policies. HRT does not transmit your personal data to issuers.
- Legal requirements: We may disclose your information if required by law or to protect the rights and safety of HRT or others.
6. Cookies & Tracking Technologies
Our website uses cookies and similar tracking technologies. We use cookies to:
- Remember your preferences and settings
- Analyze site traffic through Google Analytics
- Support affiliate tracking for credit card links — when you click on a card link, a cookie is set that allows our affiliate network to attribute any resulting application to our site. This does not cost you anything and does not transmit personally identifiable information to us.
You can control or disable cookies through your browser settings. By continuing to use our site, you consent to our use of cookies as described here.
7. Third-Party Links
Our website contains links to third-party sites including credit card issuers, airlines, hotels, and affiliate partners. Once you leave our site, this Privacy Policy no longer applies. We encourage you to review the privacy policies of any third-party sites you visit.
8. 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 and we will promptly delete it.
9. 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, your address will be removed from active communications. You may request complete deletion of your data by contacting us at scottk@hawaiirewardtravel.com.
10. Your Rights & Choices
- Unsubscribe from our email list at any time using the "unsubscribe" link in any email
- Request access to the personal information we hold about you
- Request correction of inaccurate information
- Request deletion of your personal data
- Opt out of certain data collection by adjusting your browser or device settings
11. California Residents — CCPA Rights
If you are a California resident, you have specific rights under the California Consumer Privacy Act (CCPA) and the California Privacy Rights Act (CPRA):
Right to Know
You have the right to request that we disclose the categories and specific pieces of personal information we have collected about you, the sources, the purposes, and any third parties we share it with.
Right to Delete
You have the right to request that we delete personal information we have collected from you, subject to certain exceptions.
Right to Correct
You have the right to request that we correct inaccurate personal information we maintain about you.
Right to Opt Out of Sale or Sharing
We do not sell or share your personal information for cross-context behavioral advertising. If this practice changes, we will update this policy and provide an opt-out mechanism.
Right to Non-Discrimination
We will not discriminate against you for exercising any of your CCPA/CPRA rights.
How to Exercise Your Rights
Email scottk@hawaiirewardtravel.com with the subject line "California Privacy Request." We will respond within 45 days as required by law.
12. Security
We take reasonable technical and organizational measures to protect your personal information from unauthorized access, use, or disclosure. However, no method of internet transmission is 100% secure.
13. Changes to This Policy
We may update this Privacy Policy periodically. When we do, we will update the "Last Updated" date at the top of this page. Your continued use of our website after any changes constitutes your acceptance of the updated policy.
14. Contact Us
Yumi Consulting LLC d/b/a Hawaii Reward Travel
Waipahu, Hawaii
© 2026 Yumi Consulting LLC d/b/a Hawaii Reward Travel. All rights reserved.