Types of Insurance we offer
Why Choose Pono Insurance?
Expertise
Our team of insurance professionals has over 20 years of combined experience in the industry. We have the knowledge and expertise to provide you with the best health & life insurance solutions for your company or your family.
Customer Service
Deeply rooted in Hawai’i, with a broad reach to Oregon and Wahington, we understand the unique insurance need of our communities.
We believe in building long-lasting relationships based on trust, transparency, and mutual respect.
Your needs are unique, and so should be your insurance. Customize your coverage with us and enjoy the peace of mind you deserve.
Customized Solutions for Businesses
We understand that every client has unique insurance needs. That's why we offer customized insurance solutions tailored to your specific situation. We work with you to understand your needs and provide the best coverage options.
Contact Us
Fill out the form with any questions you have about finding the coverage that's right for you!
Terms and Conditions
Terms & Conditions
Pono Insurance LLC's Messaging Terms & Conditions
Welcome to Pono Insurance LLC's website. These Terms & Conditions govern your use of our messaging services and are designed to ensure transparency and compliance with all applicable laws, including 10DLC messaging requirements.
Messaging Program Overview
Sending "us" an initial user-generated SMS message you are opting into our messaging program, you agree to receive communications related to your insurance inquiries, policy updates, reminders, and other important information regarding our services. Our messages are designed to keep you informed about your insurance coverage and any associated services. You can text us at 360-205-7355 with "JOIN" to become part of our SMS list to be contacted for insurance inquiries. You can text with "HELP" to receive SMS messaging to assist with any concerns regarding insurance policy needs.
Message Frequency
Message frequency may vary depending on your interactions with us. For one-time updates or inquiries, you will receive messages as needed. If you are subscribed to recurring updates (such as policy reminders or claim status updates), you may receive multiple messages per month, or as necessary based on the status of your policies or requests. Message frequency may vary based on individual needs and requests.
Message & Data Rates
Standard message and data rates may apply. By participating in our messaging program, you understand that your mobile carrier’s standard rates may be charged for SMS or MMS messages, including those related to insurance updates and notifications. Please contact your mobile carrier for more information about their rates.
Opt-Out Information
You have the right to stop receiving messages at any time. To opt-out of our messaging services, simply reply STOP to any message you receive from us. Once you opt-out, you will no longer receive SMS messages regarding your insurance inquiries or policy updates. You can text us at 360-205-7355 with "STOP" to be removed from our SMS list and cease all forms of SMS communication.
Help & Support
If you have questions or need assistance with our messaging services, you can reply HELP to any message or contact our customer care team directly at allan@ponoinsurance.com. We are here to help you with any inquiries or concerns you may have.
Privacy
Your privacy is important to us. No personal information, including your mobile phone number, will be shared or sold to third parties for marketing or promotional purposes. For more information on how we handle your personal data, please review our full Privacy Policy.
Changes to These Terms
We may update these Terms & Conditions periodically to reflect changes in our messaging program or legal requirements. We encourage you to review this page regularly to stay informed about any updates.
By opting into our messaging program, you confirm that you have read, understood, and agree to these Terms & Conditions. If you have any further questions, please contact us at allan@ponoinsurance.com
Privacy Policy
Last updated August 01, 2024
This Privacy Notice for Pono Insurance LLC ("we," "us," or "our"), describes how we access, collect, store, use, and/or share ("process") your personal information when you use our services ("Services"), including when you:
- Visit our website at https://ponoinsurance.com
- Use Insurance. Life Insurance, individual and group health insurance and commercial insurance policies
- Interact with us in other ways, including any sales, marketing, or events
Questions or concerns? Reading this Privacy Notice will help you understand your privacy rights and choices. We are responsible for using personal information to deliver accurate insurance quotes. If you reject our policies and practices, please do not use our service. If you still have any questions or concerns, please contact us at allan@ponoinsurance.com.
SUMMARY OF KEY POINTS
This summary provides key points from our Privacy Notice, scroll through the screen to understand our processes of providing accurate information to you, as the consumer.
What personal information do we process? When you visit, use, or contact us, we may process personal information depending on how you interact with us. The information you provide us (name, address, health data, social security, etc) we will use to provide an accurate insurance quote.
Do we process any sensitive personal information? We may process sensitive information to insurance carriers to accurately deliver an insurance quotes or to see if client qualifies for government subsidies for health insurance.
How do we process your information? We process your information to provide, improve, and administer our Services, communicate with you, for security and fraud prevention, and to comply with law. process your information for other purposes with your consent. We process your information only when we have a valid legal reason to do so.
In what situations and with which parties do we share personal information? We may share information in specific situations and with specific third parties, related to assisting or providing "you" the consumer, accurate and reliable insurance information regarding the policies "you" are interested in.
How do we keep your information safe? We safely store all sensitive and personal information in a private database that only agents associated with Pono Insurance, LLC have access to and for insurance purposes only. However, no electronic transmission over the internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information.
1. WHAT INFORMATION DO WE COLLECT?
We collect personal information that "you" provide to us. We collect personal information that you voluntarily provide to us when you express interest in receiving insurance information. The personal information that we collect depends on the insurance policies that you are interested in. The personal information we collect may include the following, but are not limited to:
- names
- phone numbers
- email addresses
- mailing addresses
- contact preferences
Sensitive Information. When necessary, with your consent, we process the following categories of sensitive information:
- health data
- social security numbers or other government identifiers
All personal information that you provide to us must be true, complete, and accurate, and you must notify us of any changes to such personal information.
2. HOW DO WE PROCESS YOUR INFORMATION?
We process your information to provide accurate insurance information and communicative purposes and to comply with law. We may also process your information for other purposes with your consent.
We process your personal information for a variety of reasons, depending on how you interact with us, including:
- To respond to user inquiries/offer support to users. We may process your information to respond to your inquiries and solve any potential issues you might have with the requested service.
- To send administrative information to you. We may process your information to send you details about our products and services, changes to our terms and policies, and other similar information.
- To send you marketing and promotional communications. We may process the personal information you send to us for our marketing purposes, if this is in accordance with your marketing preferences. You can opt out of our marketing emails at any time.
- To comply with our legal obligations. We may process your information to comply with our legal obligations, respond to legal requests, and exercise, establish, or defend our legal rights.
3. WHEN AND WITH WHOM DO WE SHARE YOUR PERSONAL INFORMATION?
In Short: We may share information in specific situations described in this section and/or with the following third parties.
We may need to share your personal information in the following situations:
- Business Transfers. We may share or transfer your information in connection with, or during negotiations of, any merger, sale of company assets, financing, or acquisition of all or a portion of our business to another company.
- Affiliates. We may share your information with our affiliates, in which case we will require those affiliates to honor this Privacy Notice. Affiliates include our parent company and any subsidiaries, joint venture partners, or other companies that we control or that are under common control with us.
- Business Partners. We may share your information with our business partners to offer you certain products, services, or promotions.
4. DO WE USE COOKIES AND OTHER TRACKING TECHNOLOGIES?
In Short: We may use cookies and other tracking technologies to collect and store your information.
We may use cookies and similar tracking technologies (like web beacons and pixels) to gather information when you interact with our Services. Some online tracking technologies help us maintain the security of our Services, prevent crashes, fix bugs, save your preferences, and assist with basic site functions.
We also permit third parties and service providers to use online tracking technologies on our Services for analytics and advertising, including to help manage and display advertisements, to tailor advertisements to your interests, or to send abandoned shopping cart reminders (depending on your communication preferences). The third parties and service providers use their technology to provide advertising about products and services tailored to your interests which may appear either on our Services or on other websites.
To the extent these online tracking technologies are deemed to be a "sale"/"sharing" (which includes targeted advertising, as defined under the applicable laws) under applicable US state laws, you can opt out of these online tracking technologies by submitting a request as described below under section "DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?"
Specific information about how we use such technologies and how you can refuse certain cookies is set out in our Cookie Notice.
5. HOW LONG DO WE KEEP YOUR INFORMATION?
In Short: We keep your information for as long as necessary to fulfill the purposes outlined in this Privacy Notice unless otherwise required by law.
We will only keep your personal information for as long as it is necessary for the purposes set out in this Privacy Notice, unless a longer retention period is required or permitted by law (such as tax, accounting, or other legal requirements). No purpose in this notice will require us keeping your personal information for longer than 5 years.
When we have no ongoing legitimate business need to process your personal information, we will either delete or anonymize such information, or, if this is not possible (for example, because your personal information has been stored in backup archives), then we will securely store your personal information and isolate it from any further processing until deletion is possible.
6. HOW DO WE KEEP YOUR INFORMATION SAFE?
In Short: We aim to protect your personal information through a system of organizational and technical security measures.
We have implemented appropriate and reasonable technical and organizational security measures designed to protect the security of any personal information we process. However, despite our safeguards and efforts to secure your information, no electronic transmission over the Internet or information storage technology can be guaranteed to be 100% secure, so we cannot promise or guarantee that hackers, cybercriminals, or other unauthorized third parties will not be able to defeat our security and improperly collect, access, steal, or modify your information. Although we will do our best to protect your personal information, transmission of personal information to and from our Services is at your own risk. You should only access the Services within a secure environment.
7. WHAT ARE YOUR PRIVACY RIGHTS?
In Short: You may review, change, or terminate your account at any time, depending on your country, province, or state of residence.
Withdrawing your consent: If we are relying on your consent to process your personal information, which may be express and/or implied consent depending on the applicable law, you have the right to withdraw your consent at any time. You can withdraw your consent at any time by contacting us by using the contact details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below.
However, please note that this will not affect the lawfulness of the processing before its withdrawal nor, when applicable law allows, will it affect the processing of your personal information conducted in reliance on lawful processing grounds other than consent.
Opting out of marketing and promotional communications: You can unsubscribe from our marketing and promotional communications at any time by clicking on the unsubscribe link in the emails that we send, or by contacting us using the details provided in the section "HOW CAN YOU CONTACT US ABOUT THIS NOTICE?" below. You will then be removed from the marketing lists. However, we may still communicate with you — for example, to send you service-related messages that are necessary for the administration and use of your account, to respond to service requests, or for other non-marketing purposes.
Cookies and similar technologies: Most Web browsers are set to accept cookies by default. If you prefer, you can usually choose to set your browser to remove cookies and to reject cookies. If you choose to remove cookies or reject cookies, this could affect certain features or services of our Services.
If you have questions or comments about your privacy rights, you may email us at allan@ponoinsurance.com.
8. CONTROLS FOR DO-NOT-TRACK FEATURES
Most web browsers and some mobile operating systems and mobile applications include a Do-Not-Track ("DNT") feature or setting you can activate to signal your privacy preference not to have data about your online browsing activities monitored and collected. At this stage, no uniform technology standard for recognizing and implementing DNT signals has been finalized. As such, we do not currently respond to DNT browser signals or any other mechanism that automatically communicates your choice not to be tracked online. If a standard for online tracking is adopted that we must follow in the future, we will inform you about that practice in a revised version of this Privacy Notice.
California law requires us to let you know how we respond to web browser DNT signals. Because there currently is not an industry or legal standard for recognizing or honoring DNT signals, we do not respond to them at this time.
9. DO UNITED STATES RESIDENTS HAVE SPECIFIC PRIVACY RIGHTS?
In Short: If you are a resident of California, Colorado, Connecticut, Delaware, Florida, Indiana, Iowa, Kentucky, Montana, New Hampshire, New Jersey, Oregon, Tennessee, Texas, Utah, or Virginia, you may have the right to request access to and receive details about the personal information we maintain about you and how we have processed it, correct inaccuracies, get a copy of, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. More information is provided below.
Categories of Personal Information We Collect We have collected the following categories of personal information in the past twelve (12) months:
A. Identifiers Contact details, such as real name, alias, postal address, telephone or mobile contact number, unique personal identifier, online identifier, Internet Protocol address, email address, and account name
B. Personal information as defined in the California Customer Records statute Name, contact information, education, employment, employment history, and financial information
C. Protected classification characteristics under state or federal law Gender, age, date of birth, race and ethnicity, national origin, marital status, and other demographic data
D. Commercial information Transaction information, purchase history, financial details, and payment information
E. Biometric information Fingerprints and voiceprints
F. Internet or other similar network activity Browsing history, search history, online behavior, interest data, and interactions with our and other websites, applications, systems, and advertisements
G. Geolocation data Device location
H. Audio, electronic, sensory, or similar Images and audio, video or call recordings created in connection with our business activities
I. Professional or employment-related information Business contact details in order to provide you our Services at a business level or job title, work history, and professional qualifications if you apply for a job with us
J. Education Information Student records and directory information
K. Inferences drawn from collected personal information Inferences drawn from any of the collected personal information listed above to create a profile or summary about, for example, an individual’s preferences and characteristics
L. Sensitive personal Information Health data, citizenship or immigration status, personal data from a known child, social security numbers and racial or ethnic origin
We only collect sensitive personal information, as defined by applicable privacy laws or the purposes allowed by law or with your consent. Sensitive personal information may be used, or disclosed to a service provider or contractor, for additional, specified purposes. You may have the right to limit the use or disclosure of your sensitive personal information. We do not collect or process sensitive personal information for the purpose of inferring characteristics about you.
We may also collect other personal information outside of these categories through instances where you interact with us in person, online, or by phone or mail in the context of:
- Receiving help through our customer support channels;
- Participation in customer surveys or contests; and
- Facilitation in the delivery of our Services and to respond to your inquiries.
- We will use and retain the collected personal information as needed to provide the Services or for:
- Category A - 5 years
- Category C - 5 Years
- Category D - 5 years
- Category L - 5 years
Will your information be shared with anyone else?
We may disclose your personal information with our service providers pursuant to a written contract between us and each service provider.
We have not disclosed, sold, or shared any personal information to third parties for a business or commercial purpose in the preceding twelve (12) months. We will not sell or share personal information in the future belonging to website visitors, users, and other consumers.
Your Rights
You have rights under certain US state data protection laws. However, these rights are not absolute, and in certain cases, we may decline your request as permitted by law. These rights include:
- Right to know whether or not we are processing your personal data
- Right to access your personal data
- Right to correct inaccuracies in your personal data
- Right to request the deletion of your personal data
- Right to obtain a copy of the personal data you previously shared with us
- Right to non-discrimination for exercising your rights
- Right to opt out of the processing of your personal data if it is used for targeted advertising (or sharing as defined under California’s privacy law), the sale of personal data, or profiling in furtherance of decisions that produce legal or similarly significant effects ("profiling")
Depending upon the state where you live, you may also have the following rights:
- Right to obtain a list of the categories of third parties to which we have disclosed personal data (as permitted by applicable law, including California's and Delaware's privacy law)
- Right to obtain a list of specific third parties to which we have disclosed personal data (as permitted by applicable law, including Oregon’s privacy law)
- Right to limit use and disclosure of sensitive personal data (as permitted by applicable law, including California’s privacy law)
- Right to opt out of the collection of sensitive data and personal data collected through the operation of a voice or facial recognition feature (as permitted by applicable law, including Florida’s privacy law)
How to Exercise Your Rights
To exercise these rights, you can contact us by submitting a data subject access request, or by referring to the contact details at the bottom of this document.
Under certain US state data protection laws, you can designate an authorized agent to make a request on your behalf. We may deny a request from an authorized agent that does not submit proof that they have been validly authorized to act on your behalf in accordance with applicable laws.
Request Verification
Upon receiving your request, we will need to verify your identity to determine you are the same person about whom we have the information in our system. We will only use personal information provided in your request to verify your identity or authority to make the request. However, if we cannot verify your identity from the information already maintained by us, we may request that you provide additional information for the purposes of verifying your identity and for security or fraud-prevention purposes.
If you submit the request through an authorized agent, we may need to collect additional information to verify your identity before processing your request and the agent will need to provide a written and signed permission from you to submit such request on your behalf.
Appeals
Under certain US state data protection laws, if we decline to take action regarding your request, you may appeal our decision by emailing us at allan@ponoinsurance.com. We will inform you in writing of any action taken or not taken in response to the appeal, including a written explanation of the reasons for the decisions. If your appeal is denied, you may submit a complaint to your state attorney general.
California "Shine The Light" Law
California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our users who are California residents to request and obtain from us, once a year and free of charge, information about categories of personal information (if any) we disclosed to third parties for direct marketing purposes and the names and addresses of all third parties with which we shared personal information in the immediately preceding calendar year.
11. DO WE MAKE UPDATES TO THIS NOTICE?
In Short: Yes, we will update this notice as necessary to stay compliant with relevant laws.
We may update this Privacy Notice from time to time. The updated version will be indicated by an updated "Revised" date at the top of this Privacy Notice. If we make material changes to this Privacy Notice, we may notify you either by prominently posting a notice of such changes or by directly sending you a notification. We encourage you to review this Privacy Notice frequently to be informed of how we are protecting your information.
12. HOW CAN YOU CONTACT US ABOUT THIS NOTICE?
If you have questions or comments about this notice, you may contact us at: Pono Insurance LLC allan@ponoinsurance.com
13. HOW CAN YOU REVIEW, UPDATE, OR DELETE THE DATA WE COLLECT FROM YOU?
Based on the applicable laws of your country or state of residence in the US, you may have the right to request access to the personal information we collect from you, details about how we have processed it, correct inaccuracies, or delete your personal information. You may also have the right to withdraw your consent to our processing of your personal information. These rights may be limited in some circumstances by applicable law. To request to review, update, or delete your personal information, please fill out and submit a data subject access request
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