Effective date: October 8, 2026
Last updated: October 15, 2026
This Privacy Policy applies to the Philippine edition of Unum (https://unum.com.br/ph/) and explains how your personal information is handled when you visit this website or contact us. It has been prepared in line with the Data Privacy Act of 2012 (Republic Act No. 10173), its Implementing Rules and Regulations and the issuances of the National Privacy Commission.
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
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 information you give there is the responsibility of that provider.
2. Information 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 information 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: your name, your email address and your answers, when you complete the credit card or loan quizzes hosted at responda.unum.com.br.
We collect this information automatically when you browse the website, through cookies and similar technologies, and directly from you when you email us. We do not ask for identity documents, bank details, income or credit information, and we do not collect sensitive personal information. In the quizzes we ask only for your name, email address and answers to questions about your preferences. We do not ask for bank details, income or credit information, and we do not send your name or email address to Meta, TikTok or Google.
3. Why we use your information and on what legal basis
| Purpose | Data | Legal basis |
|---|---|---|
| Displaying the website, keeping it secure and preventing abuse or fraud | Browsing data | Our legitimate interests (section 12(f) of the Data Privacy Act) |
| Measuring audience and improving content | Browsing data and identifiers | Our legitimate interests (section 12(f)) or, where required, your consent (section 12(a)) |
| Showing advertising and measuring its performance | Identifiers and browsing data | Your consent where required (section 12(a)); otherwise our legitimate interests (section 12(f)) |
| Answering your questions and requests | Contact details and message content | Our legitimate interests in responding to you (section 12(f)) |
| Working out your quiz recommendation and emailing you the result | Name, email address and quiz answers | Necessary to provide the quiz you asked for (section 12(b) of the Data Privacy Act) |
| Sending you Unum newsletters and offers by email | Name and email address | Your consent (section 12(a)), given by ticking an optional box that is not pre-ticked. Withdrawing it does not affect your quiz result |
| Measuring the ad campaigns that lead to the quizzes (Meta, TikTok and Google pixels) | Online identifiers and browsing data | Your consent (section 12(a)) |
| Complying with legal requirements and defending our rights | Data needed in each case | Legal obligation (section 12(c)) and our legitimate interests (section 12(f)) |
Where we rely on your consent, you can withdraw it at any time, without affecting processing carried out before you withdrew it. 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, turn off personalized ads at https://myadcenter.google.com/ or email contact@unum.com.br. If you withdraw your consent or refuse cookies that are not strictly necessary, the website still works, but ads may be less relevant to you.
In the quizzes at responda.unum.com.br, one on credit cards and one on loans, you answer questions about your preferences and the quiz recommends, as editorial guidance based on Unum’s reviews, the card or loan that makes most sense for you. The quizzes do not assess your credit, do not check credit bureaus, do not decide on approvals and do not receive applications. We use your name, email address and answers to work out the recommendation and to email you the result, using ETUS’s own email tool. We send you Unum commercial emails only if you tick an optional box, which is not pre-ticked, and you can unsubscribe at any time. Your quiz result does not depend on that box.
4. 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 their partners, 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 personalized 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 and turn off personalized Google ads at https://myadcenter.google.com/.
We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.
The quizzes at responda.unum.com.br are landing pages for ads that Unum runs on Meta (Facebook and Instagram), TikTok and Google. If you accept advertising cookies in the consent banner shown on the quiz page, the Meta, TikTok and Google pixels and tags are activated to measure which ads lead to the quizzes (conversions). The providers are Meta Platforms Ireland Ltd./Meta Platforms, Inc., TikTok Technology Limited/TikTok Inc. and Google. If you do not accept, they are not activated and you can still complete the quiz. 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.
5. 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 |
| Advertising measurement in the quizzes | Show which Meta, TikTok and Google ads lead to the quizzes at responda.unum.com.br and measure conversions. Your name and email address are not sent | Meta Platforms Ireland Ltd./Meta Platforms, Inc., TikTok Technology Limited/TikTok Inc. and Google (third parties) | Pixels and tags of each provider; duration as shown in the settings panel |
| Audience data | Build interest segments used to personalise ads | Lotame, an audience data platform (third party) | panoramaId, _cc_id |
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, deliver content, provide security, email and audience measurement, 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).
- Quiz data (name, email address and answers): only ETUS DIGITAL LLC and the hosting providers and the email tool that process it on our behalf. We do not pass it to banks, lenders or partners.
- Meta, TikTok and Google, only for the pixel identifiers and only if you consent to advertising cookies.
- Authorities and courts, where the law requires it.
7. International transfers
Your information is processed in the United States, where ETUS DIGITAL LLC is established, and may be processed in other countries by our service providers. 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 safeguards. We remain accountable for personal information transferred outside the Philippines. You can ask for more information at contact@unum.com.br. Quiz data is stored in the United States by ETUS DIGITAL LLC and its providers, with the safeguards described in this section. Meta and TikTok may process pixel data outside your country, including in the United States, under the safeguards they state in their terms.
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 anonymized.
- 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, in the case of commercial emails.
- 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 anonymize the information.
9. Your rights
As a data subject, you have the right to be informed, to access your personal data, to object to its processing, to have it corrected, erased or blocked, to data portability, and to be indemnified for damages, as provided by the Data Privacy Act. Your lawful heirs and assigns may also exercise these rights, as provided by the Data Privacy Act.
If you receive Unum commercial emails, you can unsubscribe at any time using the link in the email or by emailing contact@unum.com.br.
To exercise your rights, email contact@unum.com.br with the subject line “Privacy request” and tell us which right you want to exercise. If we need to verify your identity, we will ask only for what is strictly necessary. Exercising your rights is free.
We will respond to your request within fifteen (15) days of receiving it. If we need more time, we will tell you why within that period.
If you are not satisfied with our response, you may file a complaint with the National Privacy Commission (https://privacy.gov.ph).
10. Children
This website is intended for adults aged 18 and over. We do not knowingly collect information from children. 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.
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 effective date, and we will publish a notice of significant changes on the website before they take effect.