Department of Commerce and Consumer Affairs

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Read More Homeowners Insurance Information If you own a home or condominium, you will want to insure your property and household effects by investing in homeowners insurance. If you have a mortgage on the property, chances are you already have insurance on your home, since most lenders make insurance a condition of the loan. Homeowners insurance offers the most ...
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Read More Life Insurance Information Life insurance is purchased for a number of reasons, but the most important is that life insurance provides financial protection to the person receiving your insurance proceeds, following your death. When buying life insurance, it is important that you understand what your life insurance needs are, such as to provide your family with the ...
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Read More Motorcycle Insurance Information Hawaii law requires all motorcycle and motor scooter operators to purchase liability insurance for their vehicles. A valid I.D. card must be kept with the motorcycle or scooter or carried by the operator at all times. Be aware that insurance premiums are costly and may be difficult to get for a high performance motorcycle ...
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Read More Motor Vehicle Insurance Information Having motor vehicle insurance is essential to owning a motor vehicle in Hawaii. Hawaii State law requires that your vehicle be insured and that you carry the motor vehicle insurance identification card in your motor vehicle at all times. You can be ticketed and fined if you operate a vehicle without the required motor ...
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Read More Buying Merchandise Because consumers rely heavily on ads for information and to help them comparison shop for merchandise, it’s important that advertisements be correct and accurate. The Office of Consumer Protection, a division of the State Department of Commerce and Consumer Affairs, has developed advertising rules as guidelines for businesses to follow when they advertise products ...
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Read More Warranties A warranty is the manufacturer’s and/or seller’s promise to stand behind the product and a commitment to correct problems should the product be defective. A warranty is a specific promise about the product. It is usually accompanied by an oral or written commitment to remedy defects for a limited time. The smart shopper will ...
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Read More Refunds and Exchanges When shopping in Hawaii, don’t assume that every gift you buy can be returned for a full refund. Merchants can set their own policies within the bounds of the state law. Look for the store’s policy which should be posted on a conspicuous sign at a place where you can find and read ...
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Read More Door-to-Door Sales A door-to-door sale is a sale of goods or services, solicited in person, and bought or signed for by the buyer at a place other than the seller’s business address, as shown on the sales contract. Under Hawaii’s law on door-to-door sales, a buyer is entitled to a full refund, if a cancellation notice ...
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Read More Buying by Phone When buying a service or product over the phone, consumers should take the following precautions: when you are solicited over the phone, don’t be pressured into buying anything “on the spot.” And, ask for written material to be sent. If it is costly, or a “large ticket” item, ask for references. Ask how long ...
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Read More Buying by Mail According to the mail order merchandise rule, a seller must ship your order when promised. If no specific delivery time is given or agreed upon, the seller must ship the merchandise no later than 30 days after receiving your order. If the promised shipping date or the 30-day period cannot be met, the seller ...
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