You were in the Philippines, more specifically; Boracay White Beach.

you were in the ocean, admiring how clear and pure the water is. That's when saw her.

A beautiful woman, her hair a wavy white and red. She was swimming so you thought maybe you'd get her attention if you swam near her.

You ,however, then notice a tail. A long mermaid tail, with glittering scales and iridescent fins.