Please read these Terms and Conditions carefully before using hawaiirewardtravel.com or any services provided by Yumi Consulting LLC d/b/a Hawaii Reward Travel. By accessing or using our website, you agree to be bound by these terms.

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you and Yumi Consulting LLC, doing business as Hawaii Reward Travel ("HRT," "we," "us," or "our"), a Hawaii limited liability company. These Terms govern your access to and use of hawaiirewardtravel.com, our email communications, social media content, consulting services, and all other services we provide (collectively, "Services").

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2. Use of Our Website

You agree to use our website only for lawful purposes and in a manner that does not infringe the rights of others. You may not:

• Reproduce, duplicate, copy, or sell any portion of our content without written permission
• Use automated tools to scrape, crawl, or harvest content from our site without prior written consent
• Use our site to transmit spam, malware, or any harmful content
• Attempt to gain unauthorized access to any part of our systems
• Misrepresent your identity or affiliation when interacting with us

We reserve the right to terminate or restrict access to our Services at any time and without notice for conduct that violates these Terms.

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3. Not Financial, Legal, or Tax Advice

Credit cards are financial products. Before applying for any credit card or making any financial decision, you should independently evaluate your own financial situation, credit history, and needs. We strongly encourage you to consult a qualified financial professional before making any credit-related decisions.

Approval for any credit card or financial product is at the sole discretion of the issuing institution. HRT has no role in any card approval decision and cannot predict, guarantee, or influence approval outcomes.

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4. Affiliate Compensation & Editorial Independence

Yumi Consulting LLC d/b/a Hawaii Reward Travel participates in affiliate marketing programs. We may earn compensation when visitors click on links on our site, are approved for credit cards, or complete transactions through our partner referral links. Our current affiliate partners include Bankrate, The Flight Wall, Rakuten Advertising, and direct issuer programs, among others.

In accordance with FTC guidelines (16 CFR Part 255), we disclose affiliate relationships clearly. See our full Affiliate Disclosure for complete details.

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5. Card Information Accuracy & Issuer Disclaimer

We make every effort to ensure that credit card information on our site — including welcome offers, annual fees, APRs, earning rates, and benefits — is accurate and current. However, these details are subject to change at any time without notice by the issuing financial institution.

Some card information on this site has been collected independently by the HRT editorial team and has not been reviewed or provided by the card issuer. Product details may vary. For the most up-to-date terms and conditions, always refer to the official credit card application on the issuer's website before applying. HRT is not responsible for any decisions made based on information that has changed since publication.

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6. Results Disclaimer

Individual results from credit card rewards programs vary based on personal spending habits, card approval, credit history, and redemption choices. Any results described on this site — including testimonials from ʻOhana Program members, points valuations, or estimated travel values — are illustrative examples and are not a guarantee of future outcomes. Past results do not predict future performance.

Descriptions of potential travel value (e.g., estimated redemption values of points or miles) are based on specific redemption scenarios and are for illustrative purposes only. Actual value will vary based on how and when points or miles are redeemed.

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7. Intellectual Property

All content on hawaiirewardtravel.com — including text, articles, graphics, logos, images, videos, tools, calculators, and overall site design — is the intellectual property of Yumi Consulting LLC d/b/a Hawaii Reward Travel and is protected by applicable copyright, trademark, and other intellectual property laws.

Third-party trademarks, including card names and issuer logos (Chase®, American Express®, Capital One®, etc.), are the property of their respective owners. Their use on this site is for editorial identification purposes only and does not imply sponsorship, affiliation, or endorsement by those issuers.

You may share links to our content and quote brief excerpts with attribution. You may not reproduce, republish, distribute, or create derivative works from our content without our prior written permission.

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8. Third-Party Links & Partnerships

Our website contains links to third-party sites, including credit card issuers, airlines, hotel programs, booking tools, and affiliate partners. These links are provided for your convenience only. HRT does not control, endorse, or take responsibility for the content, privacy practices, or policies of any third-party websites.

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9. Disclaimer of Warranties

Our website and services are provided on an "as is" and "as available" basis without warranties of any kind, whether express or implied. To the fullest extent permitted by law, HRT disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

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10. Limitation of Liability

To the fullest extent permitted by applicable law, Yumi Consulting LLC d/b/a Hawaii Reward Travel and its owners, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from:

• Your use of or inability to use our website or services
• Any credit card application decisions made by a third-party issuer
• Changes to credit card terms, point values, or program rules made by third parties
• Reliance on any information published on our site
• Unauthorized access to or alteration of your information

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11. Email Communications

By subscribing to our email list, you consent to receive periodic emails from HRT, including newsletters, deal alerts, credit card recommendations, and promotional content. You may unsubscribe at any time using the "unsubscribe" link in any email we send.

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12. Privacy & California CCPA Rights

Your use of this site is also governed by our Privacy Policy, which is incorporated into these Terms by reference. California residents have specific rights under the CCPA, as described in Section 11 of our Privacy Policy.

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13. Governing Law

These Terms are governed by the laws of the State of Hawaii, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of our site are subject to the exclusive jurisdiction of the courts located in the State of Hawaii.

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14. Changes to These Terms

We reserve the right to update these Terms at any time. Changes will be effective upon posting with an updated "Last Updated" date. Your continued use of our site after changes constitutes your acceptance of the revised Terms.

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