Privacy, Security, and Terms

Respecting Your Privacy


101 Financial Group, LLC (“101”) values and respects your right to privacy. The information you provide to us is collected with the goal of servicing you better.

Our Commitment

101 is committed to providing you with top-quality, comprehensive services via a secure online experience that protects your privacy.

Sharing Your Information

101 will not sell or rent any customer information. At no time does 101 share your password with any third party.

Children’s Privacy

101 does not provide services to minors (children under the age of 18,) nor do we intentionally collect data from minors. Should a minor send personal information to us, we will use that information only to respond directly to that minor to inform him or her that we may not provide service to them. Data known to be from minors will be immediately deleted.

What information is collected?

If you request information through our website’s contact us form, we ask for your name, address, email address and phone number. This allows us to send you your requested information.

If you complete our 101 financial analysis, we ask for your contact and other personal information, and information on your income, mortgage(s), expenses and debt. We do not ask you for security-sensitive information such as account numbers, login and passwords, or your social security number. Do not give out this information via our forms or email.

If you sign up to receive e-newsletters, we ask for your email address.

How is the information used?

Information we collect is used to contact you and send you requested information, create your financial analysis, or contact you in the event there are questions about any information you submit to us.

We may occasionally notify you of new developments at 101. If you do not want to receive any unsolicited announcements from us, we ask that you indicate this preference where personal information is requested. Or please email us at

Notification of Privacy Policy Changes

Any changes by 101 to its Privacy and Data Protection Policy that may impact the practices described on this web site will be posted on this site. In no event will any such changes to this policy apply with respect to data previously collected through this site.

Registered users will be notified of changes to the privacy statement if it affects the way their personal information is being handled.

What about cookies?

101 uses “cookies,” electronic coding that enables us to track a customer’s preferences to enhance their use of our site. You may choose to set your browser to reject cookies. Please be aware that in doing so your ability to perform certain functions on our site will be affected.

Tracking Beacons

Beacons are small electronic image files embedded into web pages that look for specific non-personally identifiable information on a person’s computer. This information includes browser information, cookie number, page views and any other basic data that we can use to improve messaging and usability on 101 will periodically use beacons (tracking software) on our web pages and newsletters to gather metrics in aggregate form. Beacons used by 101 collects data that is anonymous and is not linked to personally identifiable information or attached to any databases.

101 does not allow for third-party ads on our Web site but we do occasionally contract with advertising companies that place ads on behalf of 101. The advertising company may use beacons for campaign success measurements.

Individuals can prevent the use of beacons by disabling them in the security settings of the Internet browsers. However, in doing so, your ability to perform certain functions on our site will be affected.

What is your anti-spam policy?

101’s referral program is meant to encourage people to introduce the benefits of 101 to their friends and family. It is not intended to encourage spam. You may post your referral link online in any place deemed appropriate by the owners of the website where you are posting. However, anyone who is found to have spammed other Internet users will lose their 101 account privileges.

Site Survey Participation

Customers may be invited to participate in web site surveys. You may opt-out of participation at the time the survey is offered. The survey may collect generalized statistics and personal. We will safeguard all data collected and never share data with third party vendors.

Personally Identifiable Information Collect

The Web Site is comprised of both public and private sections. Public sections are accessible by anyone and do not require enrollment or login. Private sections are exclusive to 101 clients and requires enrollment. During enrollment, you will be explicitly asked for any information that personally identifies you. Personal information collected during enrollment (such as your name, address, zip code, telephone number, and email address) will be primarily used to validate that you are a client of 101 and have been given access to the private section of the web site by a 101 instructor, but may be used by 101 to help us offer content and services that are most likely to appeal to you. You will have the means to verify and update your personal information, allowing you to ensure that such information is correct and current.

The information gathered automatically by our system—such as your computer’s IP address, the kind of browser you are using, and a record of your navigation through our site—may be used by 101 so we can understand how to make our sites convenient and useful to our audience. 101 will not disclose personally identifiable information about you to third parties.

Accessing & Changing Your Contact Information

To view or edit the personal information you submitted at one of our sites during enrollment, log in and access the My Profile page. If you would like us to delete your personal information, please send a request to
How to Opt-Out of Future Communications

Regular users may opt-out of receiving further communications through email by contacting Users signed up for the newsletter may opt-out through the newsletter opt-out field at the bottom of the newsletter or by emailing
Site Tools

101 allows you to use helpful tools, such as financial calculators. These tools are for your benefit, and the information you submit when you use them is not stored, disclosed to anyone or used for any purpose other than to provide you with the service you are seeking.

User-Initiated Communication

The 101 Web Site enables you to send email to your 101 instructor. Whenever you choose to initiate these kinds of communications with us, or anyone else, you may expect to be contacted in return.

How is your information protected?

101 does not lease, sell, trade or give any of our customer information to other companies. We may choose to do so in the future with reputable third parties. If you do not want us to provide your customer information to a third party, we ask that you indicate this preference where personal information is requested. Or please email us at

We recommend that any communications you send us via this site, including comments, suggestions and questions, do not contain information that is private or confidential. While we take measures to protect your privacy, 101 and companies linked to our site do not guarantee and are under no obligation to protect your information from disclosure.

If we should change our privacy policies, those changes will be posted on this page and by using the site, you agree in advance to accept such changes.


Security & Trust


101 Financial Group, LLC (“101”) takes protecting your information seriously. Here is how we protect your information.

Security Measures & Data Protection

101 has taken the following important measures to protect against loss, misuse or alteration of your personal information. Whenever personal information about you is stored, that information is password-protected from unauthorized access or use. In addition, this information is kept only on servers that are located behind a “firewall,” designed to keep unauthorized users from accessing our network. Our network firewall is a combination of hardware and software. The User ID and Password you select, along with your unique Contact ID number prevents others from accessing your information. We encourage you to let us know immediately if you suspect that the information you share with us is being used in any way contrary to this policy. 101 cannot protect you if we do not know that your Password or IDs have been compromised. To contact us, send email to

Secure Socket Layer Encryption

101’s application sessions and applications are encrypted using Secure Socket Layer Encryption. This technology scrambles data as it travels between your computer and our servers, making it virtually impossible for anyone to access your account information. To access your accounts or apply for an account, you must use a browser that supports 128-bit encryption security.

General Information

101 will never send emails requesting account passwords, credit card numbers, or other sensitive information. Never send sensitive information via unsecured email communications.

Use of Public Computers

If you use a public computer (in a library, Internet cafe, university, airport or other common area) we recommend the following. Once you complete your session, logout of your account, clear the web browser’s history, delete the cookies, and clear the cache; then close the browser window.


Disclaimers, Copyrights & Terms of Use is a service of 101 Financial Group, LLC (“101”). Please carefully read Our Policies Regarding Privacy and Terms and Conditions of Use of this Web Site (“Our Policies”) printed below. BY USING THIS SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ OUR POLICIES AND AGREE TO THE TERMS OF OUR POLICIES. If you do not agree to the terms and conditions of Our Policies, you may not access or otherwise use this service. We may change the terms of Our Policies from time to time. By continuing to use this service after we post any such changes, you accept these new terms and conditions of Our Policies.

101 Financial Group, LLC (“101”) strives to provide information that is accurate and up-to-date. However, errors and omissions do occasionally occur. We advise visitors to our site that all published information is subject to change, correction or deletion. We apologize in advance if any misinformation creates an inconvenience for you.

Our Commitment

101 is committed to providing you with top-quality, comprehensive services via a secure online experience that protects your privacy.


Application data and certain other information about you are subject to our Privacy Policy which you can review on

Proprietary Information

Information, ideas, text, logos, images, graphics, photographs, audio clips, formats, and software contained on 101’s site are the exclusive property of 101 or its content contributors. This content cannot be copied, reproduced, or used without written permission from 101, except for personal, informational, non-commercial purposes.

The 101 site contains logos, trademarks, service marks and design elements that are proprietary to 101. These trademarks are protected under U.S. and international laws and cannot be copied, reproduced or used without written permission from 101, except for personal, informational, non-commercial purposes.

Restricted License

You may download and reproduce information on the 101 web site solely for your personal, informational, non-commercial use. However, we advise you of the following:

  • Site content may not be modified, published, displayed, leased, sold, traded or transferred in any way.
  • Software may not be re-engineered in any way.
  • Copyrights and proprietary notices included within the website may not be deleted or altered in any way.



You agree to indemnify, defend, and hold harmless 101, its officers, directors, employees, affiliates, instructors, licensors, and suppliers from and against all losses, expenses, damages and costs, including reasonable attorneys’ fees, resulting from any violation by you of Our Policies.


101 is not liable for any type or loss, injury or any type of damages arising from the use of this site, including information provided by other companies contributing content to this site. The site is provided on an “as is” basis without warranties of any kind, either express or implied, including and not limited to warranties or title or implied warranties of merchantability or fitness for a particular purpose. By using this site, you agree to all of the terms related to privacy and use of information provided by you.

Contacting Us

In the event of any question relating to this site, please email us at or mail us at:
101 Financial Group, LLC.
P.O. Box 101
Kahuku, HI 96731

General questions regarding 101’s Privacy and Data Protection Policy may be emailed to

This Policy is effective as of January 1, 2020.