EMCKA Hawaii, your privacy is our priority. We understand the importance of protecting your personal information—both the data automatically collected when you visit our website (“Site”) and any information you share when inquiring about insurance policies, requesting a quote, applying for insurance, making a payment, or filing a claim for an individual or business policy. This Privacy Policy (“Policy”) explains how EMCKA Hawaii collects, uses, and safeguards your personal information, whether you are browsing our Site or interacting with us for insurance services.
We may update this policy at any time. Please check this page regularly for updates.
This Policy governs all data collection and use by EMCKA Hawaii. By using emchawaii.com and submitting personal information, you consent to the practices outlines in this policy. Our Policy applies to individuals and businesses in every state where we are licensed, including Hawaii, Texas, Arizona, North Carolina, South Dakota, Ohio, and Tennessee.
Please note, this Policy does not apply to information collected by companies not controlled by EMCKA Hawaii or by individuals who are not our employees. If you visit another website through a link on our Site, review that site’s privacy policy before sharing any personal information. We strongly recommend reviewing the privacy policies of any third-party website to understand how your information may be collected, used, or shared.
Specifically, this Policy will inform you of the following.
- What information is collected through your interaction with emchawaii.com and EMCKA Hawaii?
- Why do we collect information, and what is the legal basis for such collection?
- How do we use the collected information, and with whom may it be shared (e.g., Insurance Carriers, Google Analytics)?
- What choices are available to you regarding the use of such data?
- The security in place to protect your information (e.g., emchawaii.com, EMCKA Hawaii, Google Analytics, G-Suite).
Information Disclosed by You
We collect your personal information when you request a quote, inquire about insurance policies, apply for insurance, pay, or open a claim under “your” (e.g., individual or company/business) insurance policy. This information includes and is not limited to information such as your name, birth date, gender, race, physical street address, billing address, contact information (e.g., contact name/phone number/email address), marital status, driver’s license, social security number, passport number, health information (e.g., weight, smoker, or non-smoker, etc.), income, employment information, dependent information, etc.
Disclosure of Information
EMCKA Hawaii will use or disclose your information only under the following circumstances:
- To deliver insurance services or products, such as processing quote requests, insurance inquiries, applications, claims, payments, or other related transactions
- When disclosure is required by this Policy or when you have provided explicit consent
- When information must be shared with insurance carriers or authorized third-party partners who need it to process quotes, applications, claims, or other insurance-related services
All insurance carriers and third-party partners are required to maintain their own privacy and data protection practices. We strongly encourage you to review the privacy policies of any carrier or platform involved in your insurance process to understand how your personal information may be collected, used, stored, or shared.
Information Automatically Collected
When you visit our website, we automatically collect certain information using cookies and third-party tracking technologies, such as Google Analytics. These tools help us understand how visitors engage with emchawaii.com, allowing us to improve site functionality and provide the best possible user experience. The collected data does not personally identify you; it is used exclusively to make the Site more user-friendly and effective.
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For each page you visit, we may collect and store the following technical information:
- Date and time of access
- Number of visitors to our Site
- URL address of the emchawaii.com page visited
- Completion or success status of the webpage request
- Your IP address
This automatically collected data enables EMCKA Hawaii to analyze website performance, identify areas for enhancement, and ensure our Site operates smoothly for everyone.
How We Use Information We Collect From You or About You
EMCKA Hawaii may use the information you provide—or that we automatically collect from your visit to our Site—for the following purposes:
- To communicate with you, respond to your inquiries, and fulfill your requests.
- To manage and respond to your emails, voicemails, and other communications for internal business purposes.
- To discuss, negotiate, and facilitate insurance-related transactions with our registered and appointed insurance carriers.
- To operate, maintain, and enhance our website, including conducting research and analytics with tools like Google Analytics.
- For any additional purposes to which you have expressly agreed.
EMCKA Hawaii does not sell, rent, or lease your information.
Cookies
We use cookies on this website. Cookies are small data files stored on your device by your web browser, often by the website or service providers such as Google Analytics. These cookies help us recognize your browser, remember certain preferences, and enhance your browsing experience. They also allow us to improve our website, understand how visitors engage with emchawaii.com, and identify repeat visits.
Cookies allow us to collect non-personally identifiable information, including:
- Page views
- Number of visitors
- Date and time of access
- General usage patterns
You can control how your browser handles cookies by adjusting your browser settings. Disabling cookies may impact some features or functionality of the Site, but you will still be able to access and use the website.
Links to Other Websites
Our website may include links to third-party websites, platforms, and online tools. Please note that EMCKA Hawaii neither controls nor assumes responsibility for the privacy practices, security measures, or content of these external sites. When navigating away from our website, we encourage you to review the privacy policies of any third-party site that may collect or process your personal information. EMCKA Hawaii utilizes a range of third-party platforms and carrier-provided systems to quote, apply for, enroll in, service, and manage insurance products throughout the states in which we operate. These platforms may include quoting tools, application portals, enrollment systems, needs-analysis tools, and other digital services offered by insurance carriers, technology vendors, and industry partners. Each third-party platform maintains its own privacy policy and data-handling practices. We strongly recommend that you review the privacy policy of any platform you use to understand how your information may be collected, used, stored, or shared by that provider. This Privacy Policy applies exclusively to information collected by EMCKA Hawaii and emchawaii.com.
Security
EMCKA Hawaii employs a combination of technical, administrative, and organizational safeguards to protect the information we collect from you—whether through our website (including tools such as Google Analytics and Google Workspace) or offline interactions. When your personal information is shared, we take reasonable steps to prevent unauthorized access, use, or disclosure. Whenever personal information is transmitted to us, it is encrypted and sent securely (for example, through Google Workspace email services). You can verify a secure connection by looking for the lock icon in your browser’s address bar and ensuring the URL begins with “https” when visiting emchawaii.com. Data transmitted through Google services is protected by multiple layers of encryption, including HTTPS, PFS, TLS, and RSA. Google Workspace also complies with industry‑recognized security standards.
Access to your information is restricted to individuals who require it for legitimate, insurance-related business purposes.
While we take these precautions to safeguard your personal information, no security system is completely foolproof. We cannot guarantee the absolute security of networks, systems, servers, devices, or databases operated by us or on our behalf (including those maintained by insurance carriers). Please exercise caution when submitting personal or sensitive information online.
Children under the age of 13
EMCKA Hawaii’s website is not intended for children under the age of thirteen (13), and we do not knowingly collect personally identifiable information from anyone in this age group.
Notice to European Users
EMCKA Hawaii’s operations are located strictly in the United States of Honolulu, Hawaii. We do not service individuals outside the United States or outside the states in which we are licensed to offer insurance products and services.
Acceptance of Terms
By using this website (emchawaii.com) or by providing any personal information to EMCKA Hawaii, you acknowledge and consent to the terms and conditions outlined in this Privacy Policy. If you do not agree with these terms, please discontinue use of our site.
Continued use of this website after any updates or changes to this Privacy Policy have been posted will constitute your acceptance of those revisions.
How to Contact Us
If you have any questions or concerns about this Privacy Policy or how EMCKA Hawaii manages your personal information, please contact us:
Dated: March 10, 2026