Privacy Policy

 

EMCKA Hawaii

PRIVACY POLICY

Effective Date: June 28, 2026

This Privacy Policy describes how EMCKA Hawaii collects, uses, discloses, and safeguards information obtained from individuals who visit EMCKA Hawaii’s website (the “Site”).

By accessing or using the Site or participating in services offered by EMCKA Hawaii, you acknowledge that you have read and understand this Privacy Policy.

EMCKA Hawaii may update this Privacy Policy from time to time. Any updates will be posted on the Site with a revised Effective Date. Continued use of the Site or services following any such update constitutes acceptance of the revised Privacy Policy.

Information Collected. EMCKA Hawaii may collect personal information that you voluntarily provide when you schedule a discovery call or coaching session, submit inquiries through the Site, purchase products or services, complete forms or agreements related to coaching services, or otherwise communicate with Coach. Such information may include your name, email address, telephone number, billing information, and any other information you voluntarily provide in connection with coaching services or communications. In addition, certain information may be collected automatically when you access the Site through the use of cookies, analytics tools, or similar technologies. This information may include your IP address, browser type, device information, pages visited, referring websites, and the date and time of access. This information is used to understand how the Site is used and to improve its functionality.

 

Disclosure of Information.  EMCKA Hawaii does not sell, rent, or lease your personal information.

Personal information may be disclosed only as reasonably necessary to:

  • Insurance carriers
  • Underwriters
  • Claims administrators
  • Payment processors
  • Technology service providers
  • Government agencies or regulators when required by law
  • Courts or legal authorities pursuant to lawful process
  • Protect the rights, property, or safety of EMCKA Hawaii, our clients, or others
  • Any other party with your authorization or consent

 

Third-Party Services. EMCKA Hawaii utilizes third-party service providers to support our business operations. These providers may assist with services including, but not limited to:

  • Insurance quoting platforms
  • Insurance carrier portals
  • Enrollment systems
  • Underwriting systems
  • Claims processing
  • Payment processing
  • Website hosting
  • Website analytics
  • Email communications
  • Customer relationship management
  • Security services
  • E-commerce functionality

These providers may include Google Analytics, Google Workspace, Healthcare.gov, Medicare, insurance carriers, insurance technology vendors, and other service providers that EMCKA Hawaii may utilize from time to time.

When you interact with these third-party services, your information may be collected and processed in accordance with each provider’s own privacy policy.

EMCKA Hawaii does not control and is not responsible for the privacy practices or security measures of these third parties. We encourage you to review their privacy policies before providing personal information.

 

Cookies and Analytics. Our Site uses cookies and similar technologies to improve user experience, remember user preferences, analyze website traffic, and better understand how visitors interact with our website.

Cookies are small files stored on your device by your browser. We may use cookies together with services such as Google Analytics to collect non-personally identifiable information regarding website usage.

You may configure your browser to refuse or limit cookies. However, disabling cookies may affect certain features or functionality of the Site.

 

Data Security. EMCKA Hawaii implements commercially reasonable administrative, technical, and organizational measures designed to safeguard personal information. However, no method of transmission over the internet or electronic storage can be guaranteed to be completely secure, and absolute security cannot be guaranteed.

 

Data Retention. EMCKA Hawaii retains personal information only for as long as reasonably necessary to:

  • Provide insurance services
  • Maintain business records
  • Comply with legal and regulatory obligations
  • Meet insurance carrier requirements
  • Resolve disputes
  • Enforce agreements
  • Protect our legal interests

When information is no longer required, it will be securely deleted or destroyed in accordance with applicable laws and business practices.

 

Children’s Privacy. Our Site and services are not directed toward individuals under thirteen (13) years of age. EMCKA Hawaii does not knowingly collect personal information from children under the age of thirteen (13). If we become aware that such information has been collected, we will take reasonable steps to delete it.

 

State Privacy Rights. Residents of certain states may have privacy rights under applicable state and federal laws. Subject to applicable law, these rights may include the ability to: Request access to certain personal information we maintain about you; request correction of inaccurate personal information; request deletion of personal information, subject to applicable legal exceptions; request information regarding the categories of personal information we collect, use, or disclose. EMCKA Hawaii does not sell, rent, or lease your personal information.

 

Third-Party Links. Our Site may contain links to third-party websites, insurance carrier websites, enrollment platforms, payment processors, or other online services. EMCKA Hawaii is not responsible for the privacy practices, security, or content of these third-party websites. We encourage you to review their privacy policies before providing personal information.

 

International Access. EMCKA Hawaii operates from Honolulu, Hawaii, United States.

Our insurance products and services are offered only in the states where EMCKA Hawaii is properly licensed. At the effective date of this Privacy Policy, EMCKA Hawaii is licensed in Hawaii and holds non-resident insurance licenses in Texas, Arizona, South Dakota, North Carolina, Tennessee, Florida, and Ohio.

Individuals accessing our Site from outside the United States, or from states in which EMCKA Hawaii is not licensed, do so at their own initiative. Nothing on this Site shall be construed as an offer to sell, solicit, or provide insurance products in any jurisdiction where EMCKA Hawaii is not properly licensed.

 

 

Contact Information: Questions regarding this Privacy Policy may be directed to info@emchawaii.com.