Although there are privacy-enhancing tools designed to protect users' online privacy, it is surprising to see a lack of user-centric solutions allowing privacy control based on the joint assessment of privacy risks and benefits, due to data disclosure to multiple platforms. In this paper, we propose a conceptual framework to fill the gap: aiming at the user-centric privacy protection, we show the framework can not only assess privacy risks in using online services but also the added values earned from data disclosure. Through following a human-in-the-loop approach, it is expected the framework provides a personalized solution via preference learning, continuous privacy assessment, behavior monitoring and nudging. Finally, we describe a case study towards "leisure travelers" and several future areas to be studied in the ongoing project.