Privacy Policy

1. Who We Are

This Privacy Policy applies to FA Maricel Escobido, AIA Philippines Unit Manager and Licensed Financial Advisor, operating under the trade name Maricel Financial Solutions, located at Heritage Homes, Marilao, Bulacan, Philippines 3019.

We are committed to protecting your personal data in accordance with the Philippine Data Privacy Act of 2012 (Republic Act 10173) and its Implementing Rules and Regulations.

2. Information We Collect

When you use our website or contact us, we may collect the following personal information:

• Full name
• Email address
• Phone number
• Service interest (e.g., life insurance, investment, retirement planning)
• Message content submitted through our contact form
• Browser type, IP address, and device information (collected automatically via analytics tools)

3. How We Use Your Information

Your personal data is used solely for the following purposes:

• To respond to your inquiries and consultation requests
• To provide personalized financial planning services
• To send relevant information about our services (only with your consent)
• To improve the performance and content of our website
• To comply with legal and regulatory obligations under AIA Philippines and the Insurance Commission of the Philippines

4. Legal Basis for Processing

We process your personal data on the following legal bases under RA 10173:

• Consent — when you voluntarily submit a contact form or book a consultation
• Legitimate interest — to provide and improve our financial advisory services
• Legal obligation — to comply with applicable Philippine laws and AIA Philippines' compliance requirements

5. Data Sharing

We do not sell, rent, or trade your personal information. Your data may be shared only with:

• AIA Philippines — as required for policy processing and regulatory compliance
• Service providers — such as email delivery (Resend), scheduling (Cal.com), and analytics (Google Analytics, Microsoft Clarity) — who process data on our behalf under strict data processing agreements

All third-party providers are bound by confidentiality and data protection obligations.

6. Data Retention

We retain your personal information for as long as necessary to fulfill the purposes for which it was collected, or as required by law. Contact form submissions are typically retained for a period of three (3) years unless you request earlier deletion.

7. Cookies & Analytics

Our website uses cookies and similar tracking technologies to analyze website traffic and improve user experience. We use Google Analytics and Microsoft Clarity. For full details, please read our Cookie Policy.

8. Your Rights

Under RA 10173, you have the right to:

• Access — request a copy of the personal data we hold about you
• Correction — request correction of inaccurate or incomplete data
• Erasure — request deletion of your personal data, subject to legal limitations
• Objection — object to the processing of your data for specific purposes
• Data portability — receive your data in a structured, commonly used format

To exercise any of these rights, contact us at maricel-l.escobido@aia.com.ph.

9. Security

We implement appropriate technical and organizational measures to protect your personal data against unauthorized access, disclosure, alteration, or destruction. All data transmissions on this website are encrypted via HTTPS.

10. Changes to This Policy

We may update this Privacy Policy from time to time. The updated version will be posted on this page with a revised "Last updated" date. Continued use of our website after changes constitutes acceptance of the updated policy.

11. Contact Us

If you have questions or concerns about this Privacy Policy, please contact: