DJ Villaluna

Privacy Policy

Privacy Policy

Last updated: July 24, 2026

DJ Villaluna, operating through djvillalunaofficial.com and the askdjvillaluna – Wealth & Protection Advisory brand, respects your privacy and is committed to handling your personal information responsibly.

This Privacy Policy explains what information we collect, how we use and protect it, when it may be shared, and what choices and rights you have when using this website, its financial tools, forms, booking services, and related communications.

1. Who We Are

For purposes of this Privacy Policy, “DJ Villaluna,” “we,” “us,” and “our” refer to the operator of:

Website: https://djvillalunaofficial.com
Brand: askdjvillaluna – Wealth & Protection Advisory
Email: millennialswealthph@gmail.com

This website provides financial education, financial protection assessments, calculators, appointment booking, insurance and financial advisory information, career information, and related services.

2. Information We May Collect

The information collected depends on how you use the website.

A. Information You Provide Directly

You may voluntarily provide information such as:

  • Full name
  • Email address
  • Mobile or telephone number
  • City, province, address, or general location
  • Preferred contact method
  • Appointment details and availability
  • Messages, questions, or consultation requests
  • Newsletter subscription information
  • Career or application information
  • Information submitted through website forms

B. Financial Assessment and Calculator Information

When you use our Financial Protection Assessment, insurance-needs calculators, education, emergency fund, retirement, income, or similar tools, you may enter information such as:

  • Age or age range
  • Marital or family status
  • Number of dependents
  • Employment or occupation
  • Estimated income and expenses
  • Savings and emergency funds
  • Debts or financial obligations
  • Existing insurance or health coverage
  • Education, retirement, protection, or financial goals
  • Other answers needed to generate an assessment or estimate

Please avoid submitting bank passwords, card details, account login credentials, government identification numbers, medical records, or other information that the form does not specifically require.

C. Technical and Usage Information

When you visit the website, certain information may be collected automatically, including:

  • Internet Protocol address
  • Browser and device type
  • Operating system
  • Referring website or page
  • Pages viewed
  • Approximate location derived from an IP address
  • Dates, times, and duration of website visits
  • Form, button, and page interactions
  • Cookie and similar technology identifiers

This information may be collected through website logs, cookies, analytics services, advertising technologies, and security tools.

D. Information from Third-Party Services

We may receive limited information when you interact with services connected to this website, such as:

  • Appointment-booking services
  • Email or newsletter services
  • Social media platforms
  • Facebook or Instagram
  • Google services
  • Form and survey tools
  • Website analytics and advertising platforms

The information received depends on your settings, the service involved, and the permissions you provide.

3. How We Use Your Information

We may use your information to:

  • Operate, maintain, secure, and improve the website
  • Generate assessment results, calculator estimates, and educational recommendations
  • Respond to inquiries and consultation requests
  • Schedule and manage appointments
  • Contact you through email, telephone, SMS, messaging applications, or social media when requested or permitted
  • Discuss your financial goals, protection needs, or service options
  • Prepare illustrations, quotations, recommendations, or application requirements when you ask us to do so
  • Process career inquiries or applications
  • Deliver newsletters, updates, educational materials, and promotional communications when you have subscribed or consented
  • Measure website traffic, campaign performance, and visitor interaction
  • Display or measure relevant advertisements and remarketing campaigns, subject to applicable consent requirements and platform settings
  • Detect spam, fraud, abuse, security incidents, and technical problems
  • Maintain business, compliance, and communication records
  • Comply with legal, regulatory, contractual, or professional obligations
  • Establish, exercise, or defend legal claims

Financial assessments and calculators are provided for educational and preliminary planning purposes. Their results are estimates and are not automatic approvals, guarantees, binding financial advice, or substitutes for a complete personal assessment.

4. Basis for Processing

Depending on the activity, we may process personal information based on:

  • Your consent
  • Your request for information, an assessment, a quotation, an appointment, or another service
  • Steps necessary before entering into or performing an agreement
  • Compliance with legal or regulatory obligations
  • Legitimate business interests, provided these do not override your privacy rights
  • The establishment, exercise, or defense of legal claims
  • Other lawful grounds allowed under applicable law

Where processing depends on consent, you may withdraw your consent, subject to legal, contractual, and operational limitations.

5. Marketing Communications

We may send educational, service-related, or promotional communications when:

  • You subscribe to a newsletter;
  • You request follow-up;
  • You provide consent through a form; or
  • Another lawful basis allows the communication.

You may unsubscribe from marketing emails through the unsubscribe link provided in the message or by contacting us.

Withdrawing marketing consent will not prevent us from sending necessary messages relating to an appointment, inquiry, requested service, existing application, or legal obligation.

Consent to receive marketing messages is not a condition for accessing publicly available educational content or receiving basic assessment results, unless clearly explained before collection.

6. Cookies, Analytics, and Advertising Technologies

This website may use cookies, pixels, tags, local browser storage, and similar technologies to:

  • Remember website preferences
  • Maintain website functionality
  • Protect forms from spam and abuse
  • Understand website traffic and usage
  • Measure the performance of pages and campaigns
  • Support advertising and remarketing
  • Allow embedded content and third-party features to operate

These technologies may be provided by services such as Google, Meta, WordPress plugins, hosting providers, analytics providers, booking tools, email platforms, and security services.

Where required, non-essential analytics and advertising technologies should be activated only after you provide the appropriate cookie consent.

You may manage cookies through the website’s cookie-consent controls, when available, or through your browser settings. Blocking some cookies may affect certain website functions.

7. Financial Tools and Local Browser Storage

Some assessments or calculators may temporarily store answers in your browser so you can continue your progress or view your result.

Information stored locally in your browser remains on your device unless:

  • The tool transmits it when you submit the form;
  • You clear your browser data;
  • The stored information expires; or
  • The website is configured to remove it.

Closing a page does not always immediately remove information stored in browser cookies or local storage.

8. When We May Share Information

We do not sell your personal information.

We may disclose or allow access to information only when reasonably necessary for the purposes stated in this policy, including to:

  • Website hosting and domain providers
  • Form, quiz, calculator, and database providers
  • Appointment-booking platforms
  • Email and newsletter services
  • Analytics and advertising platforms
  • Spam-prevention, CAPTCHA, cybersecurity, and technical-support providers
  • Cloud storage and business software providers
  • Professional advisers, auditors, legal counsel, or regulators
  • Insurance, HMO, non-life, real-estate, or other service providers when you specifically request a quotation, recommendation, application, or transaction
  • Government authorities, courts, regulators, or law-enforcement agencies when legally required

Third-party service providers may process information only as necessary to perform their services, subject to their contracts, applicable law, and their respective privacy practices.

Before an insurance, HMO, financial, property, or related application is submitted to a provider, you may be presented with additional forms, declarations, consent statements, and the provider’s own privacy notice.

9. Third-Party Websites and Embedded Content

The website may include links, videos, maps, social media posts, forms, booking tools, or other content provided by third parties.

Embedded content may operate as though you visited the third party’s website directly. Those providers may collect information, use cookies, and monitor your interaction according to their own privacy policies.

We do not control and are not responsible for the privacy or security practices of independent third-party websites and platforms.

10. Information Security

We use reasonable organizational, physical, and technical measures intended to protect personal information against:

  • Unauthorized access
  • Accidental loss
  • Improper use
  • Unauthorized disclosure
  • Alteration
  • Destruction

These measures may include access restrictions, password protection, secure hosting, website updates, spam controls, encryption where supported, backups, and security monitoring.

However, no internet transmission, website, database, or electronic storage method is completely secure. We therefore cannot guarantee absolute security.

11. How Long We Keep Information

We retain personal information only for as long as reasonably necessary to:

  • Fulfill the purposes described in this policy
  • Respond to inquiries and provide requested services
  • Maintain appropriate advisory, transaction, and communication records
  • Meet legal, regulatory, accounting, tax, professional, or contractual requirements
  • Resolve disputes and enforce agreements
  • Prevent fraud or security incidents

Retention periods may vary based on the type of information, the service requested, whether a transaction or application proceeds, and applicable legal requirements.

When information is no longer necessary, we will take reasonable steps to delete, anonymize, or securely dispose of it.

Backup copies may remain for a limited period until they are overwritten or securely removed through normal system processes.

12. Your Privacy Rights

Subject to the Data Privacy Act of 2012 and other applicable laws, you may have the right to:

  • Be informed about the processing of your personal information
  • Object to certain processing
  • Access personal information held about you
  • Correct inaccurate or incomplete information
  • Request erasure or blocking when legally warranted
  • Withdraw consent where processing is based on consent
  • Request data portability when applicable
  • Seek damages where provided by law
  • File a complaint with the National Privacy Commission

Some requests may be limited when retention or processing is required by law, necessary for an existing transaction, needed to protect another person’s rights, or required for the establishment, exercise, or defense of legal claims.

13. How to Exercise Your Rights

To request access, correction, deletion, consent withdrawal, or other privacy assistance, contact:

Email: millennialswealthph@gmail.com
Website: https://djvillalunaofficial.com

Please use the subject line:

Privacy Request – [Type of Request]

We may ask for reasonable information to verify your identity and prevent unauthorized disclosure or deletion.

We will respond within a reasonable period and in accordance with applicable legal requirements.

You may also contact or file a complaint with the Philippine National Privacy Commission through its official channels.

14. Children’s Information

This website and its advisory services are not directed to children who are acting independently.

A parent or legal guardian may provide limited information about dependents when reasonably necessary for family financial planning, education planning, health coverage, or protection assessments.

Minors should not independently submit personal information, make appointments, or apply for services without the involvement and consent of a parent or legal guardian.

If we learn that a minor submitted personal information without appropriate authorization, we will take reasonable steps to review and, where appropriate, delete it.

15. Automated Results and Profiling

Financial assessments and calculators may automatically categorize answers, calculate estimated needs, or generate preliminary results.

These automated outputs:

  • Are based only on the information and assumptions entered;
  • Are intended for education and initial discussion;
  • May not reflect your complete financial circumstances;
  • Do not independently approve or reject an insurance or financial application; and
  • Should be reviewed before any significant financial decision is made.

You may request human clarification regarding an assessment or calculator result by contacting us.

16. International Processing

Some website, analytics, cloud, email, booking, advertising, or security service providers may store or process information outside the Philippines.

Where applicable, we will take reasonable steps to use providers and arrangements that offer appropriate privacy and security safeguards.

17. Changes to This Privacy Policy

We may update this Privacy Policy to reflect changes in:

  • Website features
  • Forms and financial tools
  • Service providers
  • Business practices
  • Legal or regulatory requirements

The revised policy will be posted on this page with an updated effective date.

Material changes may also be communicated through the website or another reasonable method when appropriate.

18. Contact Information

Questions, requests, or concerns regarding this Privacy Policy may be directed to:

DJ Villaluna
askdjvillaluna – Wealth & Protection Advisory
Email: millennialswealthph@gmail.com
Website: https://djvillalunaofficial.com