DJ Villaluna

Terms of use

Terms and Conditions

Last updated: July 24, 2026

Welcome to djvillalunaofficial.com, operated under the askdjvillaluna – Wealth & Protection Advisory brand.

These Terms and Conditions govern your access to and use of this website, including its articles, financial assessments, calculators, booking forms, career tools, downloadable materials, contact forms, and other features.

In these Terms, “DJ Villaluna,” “we,” “us,” and “our” refer to the website operator. “You” and “your” refer to the person accessing or using the website.

By accessing or using this website, you acknowledge that you have read, understood, and agreed to these Terms. If you do not agree, please discontinue your use of the website.

1. Purpose of the Website

This website provides general information and educational resources relating to topics that may include:

  • Life and health insurance
  • Financial protection
  • Income protection
  • Emergency funds
  • Education planning
  • Retirement preparation
  • Estate and legacy planning
  • Medical and HMO coverage
  • Non-life insurance
  • Real estate
  • Career opportunities in financial services
  • Financial calculators and assessment tools
  • Appointment scheduling and consultation requests

The website may also allow you to request information, book an appointment, complete an assessment, use a calculator, inquire about products or services, or express interest in a career opportunity.

2. Educational Information Only

Unless expressly stated otherwise during a direct consultation, the content of this website is provided for general educational and informational purposes only.

Website content does not constitute:

  • A complete financial plan
  • Legal advice
  • Tax advice
  • Accounting advice
  • Medical advice
  • Investment advice
  • An insurance quotation
  • An offer or guarantee of insurance coverage
  • An assurance of investment performance
  • A guarantee of savings, returns, benefits, or claims approval
  • A guarantee of employment, appointment, licensing, promotion, commissions, or income

You should consider your complete circumstances and, when appropriate, consult qualified professionals before making a significant financial, insurance, legal, tax, medical, property, or career decision.

3. Financial Assessments and Calculators

The website may provide tools such as:

  • A Financial Protection Assessment
  • Life-insurance-needs calculators
  • Emergency-fund calculators
  • Education-fund calculators
  • Retirement calculators
  • Income-protection calculators
  • Career income simulators
  • Other planning or estimation tools

These tools produce preliminary estimates based on:

  • The information you enter;
  • General assumptions;
  • Formulas programmed into the tool; and
  • Available product, financial, or planning information.

Results are intended to help you identify possible planning areas and prepare for a further discussion. They are not final recommendations and must not be treated as your sole basis for making a financial decision.

Actual needs, premiums, benefits, product availability, commissions, taxes, eligibility, and outcomes may differ.

We do not guarantee that a calculator or assessment will be complete, error-free, continuously available, or appropriate for every user.

4. Accuracy of Information You Provide

The usefulness of an assessment, estimate, quotation discussion, or recommendation depends on the accuracy and completeness of the information you provide.

You agree to provide information that is accurate, current, and not deliberately misleading.

We are not responsible for inaccurate, incomplete, or unsuitable results caused by:

  • Incorrect information;
  • Missing information;
  • Outdated information;
  • Misunderstood questions;
  • Assumptions selected by the user; or
  • Information that changes after the tool is used.

You should review all information before submitting it and inform us when material circumstances change.

5. No Professional Relationship Created Automatically

Browsing the website, reading an article, using a calculator, completing an assessment, subscribing to a newsletter, sending a message, or submitting an appointment request does not by itself create:

  • An advisor-client relationship;
  • An insurer-policyholder relationship;
  • An agent-client relationship;
  • An attorney-client relationship;
  • An accountant-client relationship;
  • A fiduciary relationship;
  • An employment relationship; or
  • Any other professional or contractual relationship.

A professional advisory relationship may arise only after direct communication, appropriate fact-finding, agreement on the service being provided, and completion of any required documentation or consent.

An appointment request is not confirmed until you receive confirmation through the booking system, email, telephone, or another authorized channel.

6. Insurance Products and Applications

Any insurance, HMO, or related product discussed through this website is subject to:

  • The issuing company’s official product documents;
  • Eligibility requirements;
  • Underwriting;
  • Required disclosures;
  • Payment of the applicable premium;
  • The company’s acceptance and issuance process;
  • Exclusions, limitations, waiting periods, and conditions;
  • Applicable laws and regulatory requirements; and
  • The terms of the final policy, membership agreement, or contract.

Website descriptions, illustrations, articles, videos, assessment results, or informal discussions do not amend or replace an insurer’s official documents.

Coverage does not begin merely because you:

  • Used a calculator;
  • Completed an assessment;
  • Requested a quotation;
  • Submitted information;
  • Attended a consultation;
  • Signed an initial form; or
  • Paid money to a person or account not officially authorized for that transaction.

Coverage begins only according to the issuing company’s rules and the final policy or contract.

Where a conflict exists between website content and an official policy, contract, proposal, illustration, product summary, or provider document, the official provider document will govern.

7. Quotations, Illustrations, and Product Information

Quotations, benefit illustrations, sample computations, and premium estimates may change based on factors such as:

  • Age;
  • Health information;
  • Occupation;
  • Lifestyle;
  • Coverage amount;
  • Payment mode;
  • Product availability;
  • Underwriting classification;
  • Taxes and charges;
  • Provider rules; and
  • The date of application or issuance.

Unless clearly identified as final and issued by the relevant provider, information shown on the website should be treated as an estimate or example only.

Nothing on this website obligates an insurer, HMO provider, property developer, financial institution, or other third party to approve an application or transaction.

8. Career and Income Simulator Disclaimer

Career pages and income simulators are provided for recruitment education and general illustration.

Any income, commission, incentive, promotion, or career example is hypothetical or based on stated assumptions. It is not a promise or guarantee of actual earnings.

Actual results may depend on factors such as:

  • Licensing and appointment;
  • Training completion;
  • Personal effort and consistency;
  • Sales activity;
  • Client suitability and decisions;
  • Policy issuance;
  • Premium payment and persistence;
  • Company compensation rules;
  • Taxes and deductions;
  • Compliance requirements; and
  • Market and personal circumstances.

Joining a recruitment process, completing an application, attending an interview, or using an income simulator does not guarantee acceptance, licensing, appointment, employment, promotion, or income.

The opportunity may involve sales, prospecting, client service, training, licensing requirements, performance standards, and business-related expenses.

9. Appointments and Consultations

When booking an appointment, you agree to provide accurate contact details and select a schedule you reasonably intend to attend.

Appointment availability shown on the website may change because of:

  • Scheduling conflicts;
  • Technical problems;
  • Emergencies;
  • Provider availability; or
  • Incorrect calendar synchronization.

We may reschedule or cancel an appointment when reasonably necessary. We will attempt to notify you through the contact information provided.

You may also be asked to reschedule when you are late, unavailable, or unable to provide information needed for a productive consultation.

A free consultation does not guarantee that a product, service, or recommendation will be offered.

10. Acceptable Use

You agree not to use the website to:

  • Violate any law or regulation;
  • Submit false, fraudulent, or misleading information;
  • Impersonate another person or organization;
  • Attempt to access restricted website areas;
  • Introduce viruses, malware, or harmful code;
  • Interfere with website security or operation;
  • Scrape, harvest, copy, or extract information through unauthorized automated methods;
  • Test or probe website vulnerabilities without permission;
  • Send spam or abusive communications;
  • Upload unlawful, defamatory, infringing, or harmful material;
  • Circumvent access, security, rate, or technical restrictions;
  • Copy or commercially exploit tools, forms, articles, or website materials without authorization; or
  • Use the website in a manner that harms us, another user, a service provider, or a third party.

We may restrict or block access when we reasonably believe that a user has violated these Terms or created a security, legal, or operational risk.

11. Minimum Age and Use by Minors

You must be at least 18 years old to independently:

  • Request a financial or insurance consultation;
  • Submit an insurance or career application;
  • Enter into a transaction;
  • Book a professional appointment; or
  • Provide consent where adult consent is legally required.

A parent or legal guardian may use family-planning tools and provide limited information about minor dependents for legitimate financial-protection, education, health, or insurance-planning purposes.

Minors should not independently submit applications, enter into transactions, or provide sensitive personal information through this website.

12. User Accounts

The website may not currently require public user accounts. If account functionality is introduced, you will be responsible for:

  • Maintaining the confidentiality of your login credentials;
  • Providing accurate account information;
  • Restricting unauthorized access to your device;
  • Informing us promptly of suspected unauthorized use; and
  • All activity reasonably attributable to your account.

We may suspend, restrict, or terminate accounts that violate these Terms or create a security risk.

13. Intellectual Property

Unless otherwise identified, the website and its original content—including its text, branding, graphics, layouts, videos, forms, questionnaires, calculators, downloadable materials, designs, and educational resources—are owned by or licensed to DJ Villaluna.

You may access and use the website for lawful, personal, and non-commercial purposes.

You may not, without prior written permission:

  • Reproduce substantial website content;
  • Republish articles in full;
  • Copy or recreate assessments or calculators;
  • Remove copyright, trademark, or attribution notices;
  • Sell, sublicense, or commercially distribute website materials;
  • Modify and present website content as your own;
  • Use branding in a way that suggests an unauthorized affiliation;
  • Frame or mirror the website; or
  • Create derivative commercial tools from protected website materials.

You may share links to publicly available website pages and quote brief portions for lawful commentary, provided proper attribution is given and the use does not misrepresent the original content.

Third-party names, logos, trademarks, photographs, and materials remain the property of their respective owners.

14. User-Submitted Content

When you send us a testimonial, review, comment, photograph, document, message, or other content, you confirm that:

  • You have the right to provide it;
  • It does not unlawfully violate another person’s rights;
  • It is not knowingly false or misleading; and
  • It does not contain unlawful or malicious material.

Submitting content does not automatically authorize us to publish your name, image, private message, financial information, or testimonial publicly.

We will seek appropriate permission before publicly using identifiable testimonials, client stories, or private communications, except where publication is otherwise legally permitted.

15. Privacy and Personal Information

Your use of the website is also governed by our Privacy Policy.

The Privacy Policy explains how we may collect, use, store, disclose, and protect information submitted through:

  • Assessments;
  • Calculators;
  • Contact forms;
  • Booking forms;
  • Newsletter forms;
  • Career forms;
  • Website analytics; and
  • Advertising or remarketing technologies.

By submitting personal information, you acknowledge that it may be processed in accordance with the Privacy Policy and applicable Philippine law.

Where consent is required for a specific purpose, a separate consent statement or checkbox may be presented.

16. Electronic Communications

By contacting us or submitting a form, you consent to receive communications reasonably necessary to respond to your inquiry or provide the service you requested.

Depending on the information you provide and your selected preferences, communications may be sent through:

  • Email;
  • Telephone;
  • SMS;
  • Messenger;
  • WhatsApp;
  • Social media messaging;
  • Video-conferencing platforms; or
  • Other agreed communication channels.

Marketing communications will be subject to the choices and consent mechanisms described in the Privacy Policy.

Electronic communications may experience delays, delivery failures, account compromise, or interception. Avoid sending passwords, complete banking credentials, or unnecessary sensitive information through ordinary messaging channels.

17. Third-Party Services and Links

This website may connect to or display content from third parties, including:

  • Insurance companies;
  • HMO providers;
  • Non-life insurers;
  • Property developers;
  • Appointment platforms;
  • Social media platforms;
  • Video-hosting services;
  • Analytics providers;
  • Advertising platforms;
  • Email services;
  • Form and quiz providers;
  • Map services;
  • Website plugins; and
  • Other external websites.

Third-party services are governed by their own terms, privacy policies, availability, and security practices.

A link, logo, embedded tool, or reference does not necessarily mean that we control, endorse, guarantee, or accept responsibility for the third party’s content or conduct.

You are responsible for reviewing the applicable third-party terms before entering into a transaction or providing information.

18. Website Availability

We aim to keep the website reasonably available, but we do not guarantee uninterrupted or error-free access.

The website may become unavailable because of:

  • Maintenance;
  • Software updates;
  • Hosting problems;
  • Internet outages;
  • Cybersecurity incidents;
  • Plugin or integration failures;
  • Events outside our reasonable control; or
  • Changes to website features.

We may modify, suspend, remove, or discontinue any part of the website without guaranteeing that a previous feature or tool will remain available.

19. No Warranty

To the fullest extent permitted by applicable law, the website and its content are provided on an “as available” basis.

We do not guarantee that:

  • All information will always be complete, current, or error-free;
  • Every tool will be suitable for your circumstances;
  • Results will match those of another adviser or provider;
  • The website will always be secure or available;
  • Errors will be corrected immediately;
  • Third-party services will perform as expected; or
  • Use of the website will produce a particular financial, insurance, career, or business result.

Nothing in these Terms excludes warranties, rights, or remedies that cannot lawfully be excluded.

20. Limitation of Liability

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, exemplary, or consequential losses arising from or connected with:

  • Your use of or inability to use the website;
  • Reliance on educational content;
  • Reliance on calculator or assessment results;
  • Inaccurate information you provide;
  • Third-party websites or services;
  • Technical failures or interruptions;
  • Unauthorized access outside our reasonable control; or
  • Decisions made without completing an appropriate professional review.

This may include, where legally permitted, loss of anticipated income, opportunity, data, business, savings, or profits.

However, nothing in these Terms is intended to exclude or limit liability for:

  • Fraud or willful misconduct;
  • Gross negligence where it cannot legally be excluded;
  • Violation of non-waivable consumer or data-privacy rights;
  • Liability that applicable law does not permit us to exclude; or
  • Obligations expressly assumed in a separate written agreement.

21. Indemnity

To the extent permitted by law, you agree to be responsible for claims, losses, or reasonable expenses resulting from your unlawful misuse of the website, violation of these Terms, or infringement of another person’s rights.

This provision does not require you to indemnify us for our own unlawful conduct, fraud, or liability that cannot legally be transferred.

22. Changes to Website Information

Financial, insurance, regulatory, tax, product, premium, commission, and career information may change over time.

We may update, correct, replace, or remove website content without prior notice.

The publication date of an article or tool should be considered when deciding whether information may still be current. You should verify important information directly with the relevant provider or professional before acting on it.

23. Changes to These Terms

We may revise these Terms to reflect changes in:

  • Website features;
  • Services;
  • Technology;
  • Business practices;
  • Third-party providers;
  • Regulatory requirements; or
  • Applicable law.

The revised Terms will be posted on this page with a new “Last updated” date.

Your continued use of the website after updated Terms are posted means that the revised Terms will apply to your subsequent use.

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

24. Suspension or Termination of Access

We may restrict, suspend, or terminate access to all or part of the website when reasonably necessary to:

  • Protect the website or its users;
  • Prevent fraud or abuse;
  • Address a security threat;
  • Comply with a legal obligation;
  • Investigate a violation; or
  • Discontinue a feature or service.

Provisions concerning intellectual property, disclaimers, liability, governing law, and other provisions that logically continue after termination will remain effective.

25. Governing Law

These Terms are governed by the laws of the Republic of the Philippines, without prejudice to mandatory rights that may apply under consumer-protection, data-privacy, insurance, electronic-commerce, or other applicable laws.

26. Dispute Resolution and Venue

Before filing a formal claim, you are encouraged to contact us so that the concern may be reviewed and an attempt at good-faith resolution may be made.

Nothing in this section prevents either party from:

  • Seeking urgent legal relief;
  • Filing a complaint with an appropriate government regulator;
  • Exercising a non-waivable legal right; or
  • Using any dispute-resolution procedure required by applicable law.

Subject to applicable procedural and consumer-protection rules, disputes that cannot be resolved informally will be submitted to the courts or proper authorities having lawful jurisdiction in the Philippines.

27. Severability

If any provision of these Terms is declared invalid, unlawful, or unenforceable, the remaining provisions will continue in effect to the extent permitted by law.

The affected provision will be interpreted or limited as closely as possible to its lawful intended purpose.

28. No Waiver

A failure or delay in enforcing a provision of these Terms does not mean that the provision or right has been waived.

Any waiver must be clear and applies only to the particular matter for which it was given.

29. Entire Agreement

These Terms, together with the Privacy Policy and any additional written terms presented for a specific service, form the agreement governing your use of the website.

For an insurance, HMO, property, financial, career, or other transaction, the relevant application, policy, contract, provider terms, consent forms, and official documents will separately govern that transaction.

30. Contact Information

Questions or concerns regarding these Terms may be directed to:

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