Last updated: 8 October 2026
1. About these Terms
These Terms of Use apply to the Indian edition of Unum at https://unum.com.br/in/ (the “Website”), owned by ETUS DIGITAL LLC (“Unum”, “we” or “us”), a limited liability company organised in the State of Florida, United States of America (Florida Division of Corporations, Document No. L19000150138), 601 Brickell Key Drive, Suite 901, Miami, FL 33131, United States of America, email contact@unum.com.br. Please read them before using the Website. If you do not agree with them, please do not use the Website.
2. What Unum is
Unum is an independent editorial website that publishes reviews, guides and news about credit cards, loans and personal finance.
- Unum is not a bank, NBFC or card issuer.
- Unum does not lend money, does not offer financial products, does not receive or process applications, does not take out credit on your behalf, does not assess anyone’s creditworthiness and plays no part in approving any product. Those decisions are made solely by each bank or financial institution.
- Our content is general information only. It is not a personalised recommendation or financial, legal or tax advice, and it does not cover every bank, financial institution or product available in India.
- The Website is free to use. Unum will never ask you for payments, transfers or fees.
3. Accuracy of information
We work to keep information accurate and up to date. However, interest rates, APRs, fees, charges, offers and eligibility criteria are set by each bank or financial institution and may change without notice, so the information on the Website may not always match theirs. Before you apply, check the current terms, including the Key Fact Statement where one applies, on the official website of the bank or financial institution.
4. Links to third-party websites
When you click on a product, you leave the Website and go to the official website of the bank or financial institution, where you can apply directly if you wish. Unum does not control those websites and is not responsible for their content, terms or privacy practices.
5. Advertising
The Website is funded exclusively by advertising from third-party networks, including Google. Unum does not receive compensation from banks or financial institutions for its reviews. Advertising does not determine our ratings or the order in which we present products.
6. Using the Website
You agree to use the Website lawfully and, in particular, not to:
- Use it for unlawful or fraudulent purposes, or in a way that infringes the rights of others.
- Use it to harass, monitor or stalk anyone.
- Attempt to gain unauthorised access to its systems, disrupt its operation or introduce malicious code.
- Extract its content in bulk using automated tools without our written permission.
7. Intellectual property
The text, graphics, logos, design and software of the Website belong to ETUS DIGITAL LLC or its licensors. You may view them for personal, non-commercial use. Any reproduction, distribution or modification requires our written permission, except where the law allows it.
Trademarks and logos of banks and other financial institutions shown on the Website belong to their owners and are used only to identify the products reviewed. Their presence does not imply any relationship with, sponsorship by or endorsement from those institutions.
8. Liability
Unum is not responsible for the products, decisions or websites of banks and financial institutions, or for interruptions to the Website caused by technical problems or events outside our control. Nothing in these Terms excludes or limits any right or liability that cannot be excluded or limited under the laws of India.
9. Privacy
How we process your personal data is explained in our Privacy Policy.
10. Changes
We may change these Terms. Before a significant change takes effect, we will publish a notice on this page with the date the new version applies from. The current version is always the one published on this page, with its date. If you do not agree with the new Terms, you can stop using the Website.
11. Governing law and jurisdiction
These Terms are governed by the laws of India. Any dispute relating to these Terms or to the use of the Website will be subject to the jurisdiction of the competent courts in India.
12. Contact
For any questions about these Terms, email contact@unum.com.br.