Terms of use

Unum is a platform focused on the analysis of financial products and financial education, with an emphasis on creating and disseminating informative content and detailed reviews of various financial services and products, such as credit cards, digital banks, loans, financing, and more, offered by financial institutions. In addition, Unum conducts evaluations of banking products and provides other relevant content for those seeking knowledge in this area.

We operate a main website and may have other finance-related websites under our brand, as well as applications designed to provide a practical and personalized experience. Our goal is to help you make more informed financial decisions by recommending products and services that best match your needs.

These Terms and Conditions of Use are always available for consultation on our website and must be read in conjunction with our Privacy Policy, also available on our website, and all applicable laws and regulations in the Philippines. The purpose of these Terms is to clarify the responsibilities, duties, and obligations of all users who access and/or use Unum, as described below.

1. DEFINITIONS

1.1. For the purposes of these Terms and Conditions of Use, the term “User” refers to any individual or legal entity that accesses or uses Unum’s services, by any means, including but not limited to mobile devices, tablets, personal computers, internet browsers, or any other available access device or technology.

2. ACCEPTANCE

2.1. By accessing Unum, the User declares that they have read, understood, and fully agree to the Terms and Conditions of Use, as well as the Privacy Policy.
2.2. The User also confirms that they are of legal age in the Philippines and have full legal capacity to accept and comply with these Terms and Conditions of Use.
2.3. If the User does not agree, in whole or in part, with these Terms and Conditions of Use, they should not access or use the services provided by Unum, its websites, or any other service operated by the company.

3. CONTACT US

3.1. Users may clarify questions, resolve issues, or submit complaints related to products and/or services offered by Unum through our service channel.
3.2. To contact us, Users may use the email: [email protected].

4. RESPONSIBILITIES

4.1. By using Unum’s services, the User confirms they have read and fully agree to the Terms and Conditions of Use and the Privacy Policy.
4.2. Unum may provide links to third-party websites, allowing the User to contract services or purchase products directly from these companies, without any interference or liability from Unum.
4.3. When the User is redirected to third-party websites, it is their responsibility to read and agree to the Terms of Use and Privacy Policy of those companies before using their services or products.
4.4. Unum is not responsible for:

  • The terms of use and privacy policies of third-party websites or companies;

  • Information provided by advertisers;

  • Services or products purchased directly by Users on third-party websites.
    4.5. Unum is not responsible for any damages caused by viruses, malware, spyware, or other harmful software that may compromise the User’s equipment while browsing.
    4.6. It is the User’s responsibility to keep their device updated and protected with appropriate antivirus software.
    4.7. Unum is not liable for any losses or damages arising from the misuse of its websites or due to force majeure.
    4.8. The User’s obligations include:

  • Not violating the rights of third parties when using the website;

  • Not using the website for the purpose of harassing, monitoring, or spying on third parties;

  • Not engaging in fraudulent, illegal, or inappropriate activities;

  • Full compliance with these Terms and Conditions of Use, the Privacy Policy, and all applicable laws and regulations in the Philippines.

5. TERM AND LIMITATION OF LIABILITY

5.1. These Terms and Conditions of Use are valid for an indefinite period.
5.2. To the fullest extent permitted by applicable Philippine law, Unum’s liability for any claim arising from or related to these Terms or the use of Unum’s services is limited to the extent permitted by Philippine law.

6. CHANGES TO THE TERMS AND CONDITIONS

6.1. These Terms and Conditions may be changed at any time, at Unum’s sole discretion, without prior notice.
6.2. Users who do not agree with the amended Terms must refrain from using Unum.

7. GOVERNING LAW AND JURISDICTION

7.1. These Terms and Conditions of Use, as well as the Privacy Policy, are governed by the laws of the Republic of the Philippines, without regard to its conflict of law provisions.
7.2. Any legal action or proceeding related to these Terms or the use of Unum’s services shall be brought before the competent courts located in the Philippines, and the parties agree to the exclusive jurisdiction of those courts.

Unum is an advertising-supported financial recommendation and education platform. We receive compensation for the placement of sponsored products and services, which may influence how products are presented on our site. Unum endeavors to provide accurate and up-to-date information; however, it may differ from that presented on the websites of financial institutions. All products and services are presented without guarantee of continuous accuracy or timeliness. Unum acts as an intermediary and does not offer its own financial products, nor does it conduct credit analyses or participate in credit decisions, which are the sole responsibility of the financial institution. Unum does not solicit payments, transfers, or fees. Information may vary; please verify details with the provider. We recommend that you carefully review the Terms and Conditions of financial institutions before contracting any offer. Review the institution's terms before applying. For information on how we collect, use, and disclose your personal information, please see our Privacy Policy. By using this site, you acknowledge that you have read and agree to our Terms of Use and Privacy Policy.