Unum is a digital platform designed to help users in Bangladesh discover, compare, and better understand a wide range of financial products and services, including but not limited to credit cards, personal loans, financing options, and banking solutions offered by licensed financial institutions. We strive to provide accurate, up-to-date, and relevant information to support informed financial decision-making.
These Terms and Conditions of Use (“Terms”) apply to all users who access and/or use Unum’s services via our website or affiliated applications. Please read these Terms carefully along with our Privacy Policy, which explains how we collect and manage your personal data in accordance with the Digital Security Act, 2018, and other applicable laws and regulations in Bangladesh.
- DEFINITIONS
1.1. “User” refers to any individual or legal entity accessing or using Unum’s services via any means, including desktop, mobile, tablet, or other digital platforms.
- ACCEPTANCE
2.1. By accessing or using Unum, the User confirms they have read, understood, and agreed to these Terms and the Privacy Policy.
2.2. The User affirms they are at least 18 years old and legally competent to enter into a binding agreement under the laws of Bangladesh.
2.3. If the User disagrees with any provision of these Terms, they must discontinue use of the services immediately.
- CONTACT US
3.1. For inquiries, feedback, or concerns related to our services, please contact us at: contact@unum.com.
- RESPONSIBILITIES
4.1. Unum may provide access to third-party websites, financial institutions, and service 4.1. Unum may provide access to third-party websites, financial institutions, and service providers. Any application, service delivery, or financial decision is handled exclusively by such third parties.
4.2. Unum is not a financial institution and does not offer financial products directly, assess creditworthiness, approve applications, or issue loans.
4.3. Users are responsible for verifying all product details directly with the relevant financial provider before applying or entering into any agreement.
4.4. Unum shall not be held responsible for:
- The terms, conditions, or privacy policies of third-party websites;
- The accuracy or completeness of content provided by external partners or advertisers;
- Any damage resulting from viruses, phishing attempts, or malicious software encountered while using the site.
- Users are responsible for securing their devices and using appropriate antivirus and cybersecurity tools.
- Users agree not to:
- Violate applicable Bangladeshi laws, including but not limited to the Digital Security Act, 2018, or the rights of third parties;
- Use the platform for fraud, abuse, harassment, or illegal activities;
- Upload, distribute, or transmit malware or other harmful content.
- TERM AND LIMITATION OF LIABILITY
5.1. Unum shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our services.
5.2. To the extent permitted by Bangladeshi law, Unum’s total liability—if any—shall not exceed the amount paid (if applicable) by the User for using the service.
- MODIFICATION OF TERMS AND CONDITIONS
6.1. These Terms may be updated or modified at any time at Unum’s sole discretion without prior notice.
6.2. If you do not agree with the revised Terms, you must discontinue using our services.
- GOVERNING LAW AND JURISDICTION
7.1. These Terms and the Privacy Policy shall be governed by the laws of the People’s Republic of Bangladesh, including the Digital Security Act, 2018, and other relevant regulations, including any future enactment such as the Personal Data Protection Act.
7.2. Any disputes or claims shall fall under the exclusive jurisdiction of the competent courts of Bangladesh.