Effective date: 9 October 2026
Last updated: 9 October 2026
This Privacy Policy applies to the Malaysian edition of Unum (https://unum.com.br/my/) and explains how your personal data is handled when you visit this website or contact us. It has been prepared in line with the Personal Data Protection Act 2010 (Act 709), as amended by the Personal Data Protection (Amendment) Act 2024. A Bahasa Melayu version of this notice is available on our Notis Privasi page.
1. Who is responsible for your personal data
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
ETUS DIGITAL LLC is the data controller for the personal data described in this policy. Unum is an independent editorial website. It is not a bank, lender or card issuer, it does not submit applications on your behalf and it does not pass your personal data to banks or other providers. When you click on a product, you go to the provider’s official website, and any information you give there is handled by that provider under its own privacy notice.
2. Personal data we process and where it comes from
- Browsing data: IP address, device and browser type, language, pages visited, date and time of your visit and the referring page.
- Online identifiers and information collected through cookies and similar technologies, according to the choices available to you (see sections 5 and 6).
- Your email address, name (if you include it) and the content of your messages, when you email us.
We collect browsing data and identifiers automatically from your device when you use the website, and contact details directly from you when you email us. We do not obtain personal data about you from other sources. We do not ask for identity card (MyKad) or passport numbers, bank details, income or credit information, and we do not ask for sensitive personal data.
3. Why we process your personal data
| Purpose | Data | Obligatory or voluntary |
|---|---|---|
| Displaying the website, keeping it secure and preventing abuse or fraud | Browsing data | Obligatory: without it, the website cannot be displayed to you |
| Measuring audience and improving our content | Browsing data and identifiers | Voluntary: you can limit it as explained in section 4 |
| Showing advertising and measuring its performance | Identifiers and browsing data | Voluntary: you can limit personalised advertising as explained in section 4 |
| Answering your questions and requests | Email address, name and message content | Voluntary: if you do not give us your contact details, we cannot reply to you |
| Complying with legal obligations and defending our rights | Data needed in each case | Required where the law applies |
We process your personal data with your consent or where the processing is necessary under section 6(2) of the Personal Data Protection Act 2010, for example to comply with a legal obligation. We use it only for the purposes above or for purposes directly related to them.
4. Your choices and how to limit processing
You can withdraw your consent or limit how your personal data is processed at any time, without affecting processing carried out before you did so:
- Where a privacy and cookie settings panel is available in your region, you can change your choice there.
- You can block or delete cookies in your browser settings.
- You can turn off personalised Google ads at https://myadcenter.google.com/.
- You can email contact@unum.com.br, in English or Bahasa Melayu, and tell us what you would like us to stop.
If you refuse cookies that are not strictly necessary, the website still works, but ads may be less relevant to you.
5. Advertising and profiling
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. Where you have agreed or where the law allows, these networks and the audience data platform Lotame may use cookies and identifiers to build a profile of your interests and show you ads based on your visits to this and other websites. If you turn off personalised ads, you may still see ads, but they will not be based on that profile.
You can find out how Google uses information from sites that use its services at https://policies.google.com/technologies/partner-sites.
We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.
6. Cookies
We use the following cookies and similar technologies:
| Type | What they do | Who sets them | Examples and duration |
|---|---|---|---|
| Strictly necessary | Make the website work, keep it secure and store your cookie choices | Unum (first party) and, where shown, the consent tool | Session or as shown in the settings panel |
| Analytics | Count visits, show where traffic comes from and how the website is used | Unum, through its own measurement tool (etus.io), and Google Analytics (third party) | __br_* (own measurement tool); _ga (up to 2 years) |
| Advertising | Show ads, limit how often you see the same ad, measure performance and, where permitted, personalise ads | Google and other advertising partners (third parties) | Google advertising cookies |
| Audience data | Build interest segments used to personalise ads | Lotame, an audience data platform (third party) | panoramaId, _cc_id |
If you block strictly necessary cookies, parts of the website may not work.
7. Who we disclose your personal data to
We do not sell your personal data. We disclose it only as needed to the following classes of third parties:
- Service providers that host the website, deliver content, provide security, email and audience measurement, acting on our behalf and under our instructions.
- Google, other advertising partners and Lotame, in line with the choices available to you (sections 4 to 6).
- Professional advisers, and authorities and courts where the law requires it.
8. Transfers outside Malaysia
Your personal data is processed in the United States, where ETUS DIGITAL LLC is established, and may be processed in other countries by our service providers. Before transferring it, we take reasonable precautions and exercise due diligence so that it is protected to the standard required by the Personal Data Protection Act 2010. Google participates in the EU-U.S. Data Privacy Framework. Our hosting and content delivery providers, Lotame and our own measurement tool are bound by contractual clauses that protect your personal data. You can ask for more information at contact@unum.com.br.
9. How long we keep your personal data
- 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.
- Emails you send us: up to 2 years.
- Other information collected through cookies: for the period shown for each cookie in the settings panel or set by the third party.
When these periods end, we delete or anonymise the personal data, unless the law requires us to keep it for longer.
10. Your rights
Under the Personal Data Protection Act 2010, you have the right to:
- Request access to your personal data and a copy of it.
- Request correction of personal data that is inaccurate, incomplete, misleading or out of date.
- Withdraw your consent to the processing of your personal data.
- Ask us to stop processing that causes or is likely to cause you substantial damage or distress.
- Ask us to stop processing your personal data for direct marketing purposes.
- Ask us to transmit your personal data to another data controller of your choice, where technically feasible and the data format is compatible.
To exercise your rights or make an enquiry or complaint about your personal data, email contact@unum.com.br, in English or Bahasa Melayu, with the subject line “Personal data request”. If we need to verify your identity, we will ask only for what is strictly necessary. We will respond to access and correction requests within 21 days of receiving them, as required by the Act.
If you are not satisfied with our response, you may lodge a complaint with the Personal Data Protection Commissioner (Jabatan Perlindungan Data Peribadi) at https://www.pdp.gov.my.
11. Personal data breaches
If a personal data breach occurs, we will notify the Personal Data Protection Commissioner and, where the breach causes or is likely to cause significant harm to you, we will also notify you, as required by law.
12. Children
This website is intended for adults aged 18 and over. We do not knowingly collect personal data from children. If we find that we have, we will delete it.
13. Security
We use technical and organisational measures appropriate to the risk, such as encrypted connections, access controls and system monitoring, to protect your personal data from loss, misuse, unauthorised access, disclosure, alteration or destruction.
14. Third-party websites
Our content links to the official websites of banks and other providers. Those websites have their own privacy notices, for which Unum is not responsible.
15. Language
This notice is published in English and in Bahasa Melayu (Notis Privasi). Both versions describe the same processing.
16. Changes to this policy
We may update this policy. The current version will always be published on this page with its effective date, and we will publish a notice of significant changes on the website before they take effect. If we want to use your personal data for a new purpose that is not directly related to the purposes above, we will tell you before doing so.