Privacy Policy

Last updated: October 15, 2026

This Privacy Policy applies to the Northern Mariana Islands edition of Unum (https://unum.com.br/mp/) and explains how your personal information is handled when you visit this website, take one of our quizzes or contact us. It has been prepared in line with applicable US federal law and the laws of the Commonwealth of the Northern Mariana Islands, including the Federal Trade Commission Act and the Children’s Online Privacy Protection Act. The Northern Mariana Islands have no general privacy statute comparable to the state consumer privacy laws of the US states, and those state laws do not apply to this edition.

1. Who is responsible for your information

ETUS DIGITAL LLC (Florida Division of Corporations, Document No. L19000150138)
601 Brickell Key Drive, Suite 901, Miami, FL 33131, United States
Email: contact@unum.com.br

Questions, requests and complaints about how we handle personal information can be sent to contact@unum.com.br with the subject line “Privacy request”.

Unum is an independent editorial website. It is not a bank or a lender, it does not submit applications on your behalf and it does not pass your information to financial providers. When you click on a product, you go to the provider’s official website, and any data you give there is the responsibility of that provider.

2. Data we collect

• Browsing data: IP address, device and browser type, language, pages visited, date and time of your visit and referring page.
• Online identifiers and data collected through cookies and similar technologies, according to the choices available to you (see sections 4 and 5).
• Contact details and the content of your messages, when you email us.
• Quiz data: if you take one of our quizzes (credit card or loan) at responda.unum.com.br, your name, your email address and your answers to the quiz questions.

We collect this data through the website itself, through cookies and similar technologies, and from the emails you send us. We do not ask for identity documents, bank details, income or credit information, and we do not intentionally collect sensitive personal information.

Our quizzes are editorial and for guidance only: based on your answers about your preferences, the quiz recommends the credit card or loan that makes the most sense according to Unum’s analyses. They do not assess your credit, do not consult credit bureaus, do not decide any approval and do not receive applications. The quizzes are used as landing pages for our ads on Meta (Facebook and Instagram), TikTok and Google.

You do not have to give us any personal information to read this website. Providing your contact details when you email us and your name, email address and answers in a quiz is voluntary, but without them we cannot reply to you or send you the quiz result. If you block cookies that are not strictly necessary, the website still works, but ads may be less relevant to you.

3. Why we use your information

You can withdraw your consent where we rely on it, without affecting what happened before. Where the privacy and cookie settings panel is available in your region, you can change your choice there. You can also delete or block cookies in your browser and turn off personalized ads at https://myadcenter.google.com/. You can unsubscribe from our commercial emails at any time using the link in each email or by writing to contact@unum.com.br. Quiz results are sent by email as part of the service you asked for.

4. Advertising

Unum is funded by advertising served by third-party networks, including Google (Google AdSense and Google Ad Manager), and, where indicated in the settings panel, by other advertising partners. These networks and their partners, and the audience data platform Lotame, may use cookies and identifiers to show you ads based on your visits to this and other websites, according to the choices available to you. If you turn off personalized ads, you may still see ads, but they will not be based on your interests.

You can find out how Google uses information from sites that use its services at https://policies.google.com/technologies/partner-sites and turn off personalized Google ads at https://myadcenter.google.com/.

Our quizzes at responda.unum.com.br include Meta (Facebook and Instagram), TikTok and Google conversion pixels and tags, which measure the conversions of our ad campaigns. They run only if you consent through the Google Ad Manager consent banner (Consent Mode v2). Advanced matching (Meta and TikTok) and enhanced conversions (Google) are turned off, so your name and email address are not sent to these networks. The quizzes do not show Google Ad Manager ads.

We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.

5. Cookies

The cookies and similar technologies we use, who sets them and how long they last are listed in our Cookie Policy. You can delete or block cookies in your browser. If you block strictly necessary cookies, parts of the website may not work.

6. Who we share your information with

We do not sell your personal information for money. We share it only as needed with:

• Service providers that host the website (Google LLC, through Google Cloud, United States), deliver content (Cloudflare, Inc., United States), provide security, email and audience measurement (including our own measurement tool, with servers in the United States), acting on our behalf and under our instructions.
• Google, advertising partners and Lotame, in line with the choices available to you (sections 4 and 5).
• Meta Platforms Ireland Ltd. and Meta Platforms, Inc., TikTok Technology Limited and TikTok Inc., and Google, which receive conversion measurement signals from the pixels and tags on the quiz pages, only if you consent. Your name and email address are not sent to them.
• Authorities and courts, where the law requires it.

The data you give in our quizzes (name, email address and answers) stays with ETUS DIGITAL LLC. We do not pass it to banks, lenders or other partners. Quiz emails are sent through our own email tool.

7. International transfers

ETUS DIGITAL LLC is established in the United States, and this website is operated from there, so your personal information is processed in the United States and, through our service providers, possibly in other countries. Google participates in the EU-U.S. Data Privacy Framework, and our hosting and content delivery providers, Lotame and our own measurement tool are bound by contractual safeguards for your information. Quiz data is hosted in the United States with the same safeguards. Meta and TikTok may process pixel data in the United States and other countries, under the safeguards each company states in its own terms. You can ask for more information at contact@unum.com.br.

8. How long we keep your information

• Google Analytics event data: up to 14 months. The _ga cookie lasts up to 2 years.
• Logs from our own measurement tool and technical logs: up to 2 years, then deleted or de-identified.
• Emails you send us: up to 2 years.
• Quiz data (name, email address and answers): up to 2 years, or until you withdraw your consent or unsubscribe from commercial emails, if earlier.
• Other data collected through cookies: for the period shown for each cookie in the Cookie Policy or the settings panel, or set by the third party.

When these periods end, we delete or de-identify the data.

9. Your rights

No law of the Northern Mariana Islands gives you a statutory right of access or deletion over the information we hold, but we offer these choices to every reader. You can:

• ask what personal information we hold about you and receive a copy;
• ask us to correct inaccurate information;
• ask us to delete your information, unless we need to keep it to comply with the law or to defend our rights;
• withdraw your consent, where we rely on it, and stop receiving commercial emails at any time; and
• ask us to stop using your information for targeted advertising, as explained in sections 4 and 5.

To exercise these choices, email contact@unum.com.br with the subject line “Privacy request” and tell us what you want. If we need to verify your identity, we will ask only for what is strictly necessary. Exercising these choices is free, and we will respond within 45 days. You may also use an authorized agent, with your signed permission.

If you are not satisfied with our response, or you believe your information has been handled unlawfully, you may contact the Office of the Attorney General of the Commonwealth of the Northern Mariana Islands (https://www.cnmioag.org) or the Federal Trade Commission (https://reportfraud.ftc.gov).

We do not knowingly sell your personal information for money, and we do not knowingly sell or share the personal information of anyone under 16. The advertising and measurement cookies described above may be treated as “sharing” or “targeted advertising” under some US state laws. If you live elsewhere in the United States, your state’s rights may also apply: write to contact@unum.com.br and we will tell you how to exercise them. Because there is no common standard for them, our website does not respond to Do Not Track signals.

10. Children

This website is intended for adults aged 18 and over. We do not knowingly collect information from children, and in particular from children under 13. If we find that we have, we will delete it.

11. Security

We use technical and organizational measures appropriate to the risk, such as encrypted connections, access controls and system monitoring. If a personal information breach occurs that is likely to put your rights at risk, we will handle it and notify the authority and the people affected as the law requires.

12. Third-party websites

Our content links to the official websites of banks and other providers. Those websites have their own privacy policies, for which Unum is not responsible.

13. Changes to this policy

We may update this policy. The current version will always be published on this page with its date, and we will publish a notice of significant changes on the website before they take effect.