Privacy Policy

When you interact with our website, Facebook Page, Messenger chatbot, or financial assessment tool, we may collect the following information:

• Your name and publicly available profile information
• Messages, inquiries, and responses you submit to us
• Contact details you voluntarily provide — such as your email address or mobile number
• Your responses to our financial assessment questionnaire, including income, coverage, and savings information
• Inquiry categories you select when reaching out to our team
• Agent verification codes used by authorised BSQ personnel only

We collect only the minimum information necessary to respond to your inquiry, deliver our services, and provide you with a personalised financial guidance experience.

Your personal information is used solely for the following purposes:

• Responding to your inquiries and providing financial guidance
• Delivering your financial assessment results and personalised recommendations
• Connecting you with a licensed BSQ · PRU Life UK financial advisor
• Sending follow-up communications you have explicitly requested (email or SMS)
• Verifying the identity of authorised BSQ agents and team members
• Improving our services, tools, and content based on aggregated, non-identifiable insights
• Complying with applicable laws, regulations, and legal obligations

We do not sell, rent, share, or trade your personal information with any third party for marketing purposes.

Our website offers a free AI-powered financial assessment tool. When you complete the assessment and voluntarily submit your contact details via the "Send My Results" form:

• Your assessment results (risk score, identified gaps, and recommendations) are processed to generate personalised insights
• If you submit your contact details, this information is used solely to deliver your report and facilitate follow-up from a licensed advisor
• Assessment data is transmitted securely and is not shared with any third party outside of our authorised advisory team
• You may request deletion of your data at any time by contacting us at support@prubsq.com

Completing the assessment and submitting your contact details does not constitute an insurance application or create any financial obligation on your part.

We operate an AI-assisted chatbot via Facebook Messenger to help answer inquiries and guide users through our services. By interacting with our chatbot or Messenger page, you acknowledge that:

• Messages you send are automatically processed to generate responses
• Conversations may be reviewed by authorised team members to improve service quality
• Conversations are not retained longer than necessary to fulfil your request
• You may request to speak with a human representative at any time by typing "Talk to an advisor"

Facebook Messenger interactions are also subject to Meta's Privacy Policy.

The information provided on this website — including financial assessments, gap analyses, product descriptions, and recommendation outputs — is intended for general educational and informational purposes only. It does not constitute:

• Certified financial advice or investment advice
• A guarantee of insurance policy approval or coverage
• A binding quotation or offer of any insurance or investment product

All insurance applications are subject to PRU Life UK's underwriting assessment, eligibility criteria, and standard terms and conditions. Benefit illustrations and projection figures are for reference only and do not represent guaranteed performance or returns.

Brilliant Star Quartz (BSQ) is an independent insurance advisory team affiliated with PRU Life UK. This website is not the official corporate website of Prudential Life Plans, Inc. (PRU Life UK).

Brilliant Star Quartz (BSQ) operates in full compliance with the Data Privacy Act of 2012 (Republic Act No. 10173) of the Philippines and its Implementing Rules and Regulations.

As a data subject, you have the following rights:

• Right to be Informed — to know what personal data we collect and how it is used
• Right to Access — to request a copy of your personal data held by us
• Right to Rectification — to request corrections to inaccurate or incomplete data
• Right to Erasure — to request deletion of your personal data, subject to legal retention requirements
• Right to Object — to object to the processing of your data for specific purposes
• Right to Data Portability — to receive your data in a structured, commonly used format
• Right to Lodge a Complaint — to file a complaint with the National Privacy Commission (NPC) at www.privacy.gov.ph

To exercise any of these rights, please contact us at support@prubsq.com. We will respond to all verified requests within 15 business days.

We implement reasonable administrative, technical, and organisational safeguards to protect your personal information from unauthorised access, disclosure, alteration, or destruction. These include:

• Encrypted data transmission via HTTPS / TLS
• Restricted access to personal data on a need-to-know basis
• Secure server infrastructure hosted on industry-standard cloud platforms
• Regular review of data handling practices and access controls

While we take every reasonable precaution, no method of electronic transmission or storage is completely secure. In the unlikely event of a data breach that affects your rights, we will notify you and the National Privacy Commission as required by law.

We retain your personal data only for as long as necessary to fulfil the purposes for which it was collected, or as required by applicable law. Specifically:

• Assessment data and contact submissions are retained for a maximum of 12 months unless you request earlier deletion
• Advisor correspondence and records may be retained longer to comply with financial services regulatory requirements
• Aggregated, anonymised data (with no personally identifiable information) may be retained indefinitely for analytics and service improvement

Our website may use cookies and similar tracking technologies to improve your browsing experience and understand how visitors use our site. These may include:

• Essential cookies — required for the website to function correctly
• Analytics cookies — used to understand visitor behaviour in aggregate (e.g., page views, session duration)
• Third-party cookies — set by embedded tools such as Facebook Pixel, Google Analytics, or Calendly

You may disable non-essential cookies through your browser settings. Doing so will not affect your ability to use the core features of this website.

We may update this Privacy Policy from time to time to reflect changes in our practices, services, or legal requirements. When we do, we will revise the "Effective Date" at the top of this page.

We encourage you to review this page periodically. Your continued use of our website or services after any changes constitutes your acceptance of the updated policy.