Last updated: 29 October 2026
This Privacy Policy applies to the Pakistan edition of Unum (https://unum.com.br/pk/) and explains how your personal data is processed when you visit this website or contact us.
Pakistan does not currently have a comprehensive data protection law in force; a Personal Data Protection Bill has been proposed but we are not aware that it has been enacted. Until it becomes law, we process personal data in line with the Prevention of Electronic Crimes Act, 2016, which prohibits unauthorised use of personal information, and with generally accepted principles of transparency, purpose limitation, security and respect for your choices. If a data protection law comes into force, we will update this policy.
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 of America
Email: contact@unum.com.br
ETUS DIGITAL LLC operates this website and decides why and how the personal data described in this policy is processed (the controller of that data). Questions about the processing of your personal data can be sent to contact@unum.com.br, and they will be answered on behalf of ETUS DIGITAL LLC.
Unum is an independent editorial website. It is not a bank, NBFC, microfinance bank or card issuer, it does not submit applications on your behalf and it does not share your personal data with banks or financial institutions. When you click on a product, you go to the official website of the bank or financial institution, and any data you give there is processed under that institution’s own privacy policy.
2. Personal data we collect and how we collect it
Apart from the quizzes described below, we do not offer registration, applications or quotes. We collect:
- Browsing data: IP address, device and browser type, language, approximate location derived from your IP address, pages visited, date and time of your visit and referring page.
- Online identifiers and information collected through cookies and similar technologies of Google (AdSense, Ad Manager and Analytics), Lotame and our own audience measurement tool (etus.io) (see section 5).
- Your email address and the content of your message, 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 browsing data automatically through our servers, cookies and similar technologies when you visit the website, and contact data directly from you when you email us.
We do not ask for your CNIC, bank account or card details, passwords, income, credit information or any other sensitive personal data or information. You can read the website without giving us your name. 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 personal data
| Purpose | Data |
|---|---|
| Displaying the website, keeping it secure and preventing abuse or fraud | Browsing data |
| Measuring audience and improving content | Browsing data and identifiers |
| Showing advertising, including personalised advertising, and measuring its performance | Identifiers and browsing data |
| Answering your messages, requests and complaints | Email address and message content |
| Working out your quiz recommendation and emailing you the result | Name, email address and quiz answers |
| Sending you Unum newsletters and offers by email, only if you tick the optional box | Name and email address |
| Measuring the ad campaigns that lead to the quizzes (Meta, TikTok and Google pixels) | Online identifiers and browsing data |
| Complying with legal obligations and defending our rights | Data needed in each case |
Outside the quizzes, we do not use your personal data to recommend financial products to you or to send you offers, and we never use it to assess your creditworthiness.
We process your personal data to provide and secure the website, with your consent where we ask for it (for example for non-essential cookies) and to reply to messages you choose to send us. We do not treat continued browsing as consent.
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. We process quiz data with your consent and to provide the quiz you asked for. We send commercial emails only with your consent, given through the optional box, and you can unsubscribe at any time. The advertising pixels run only with your consent.
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.
- Third-party vendors, including Google, use cookies to serve ads based on your prior visits to this website and other websites.
- Google’s use of advertising cookies enables it and its partners to serve ads to you based on your visits to this website and/or other websites on the internet.
- You can opt out of personalised advertising at https://myadcenter.google.com/.
Lotame, an audience data platform, may also use cookies and identifiers to build interest segments used to personalise ads. You can find out how Google uses information from sites that use its services at https://policies.google.com/technologies/partner-sites.
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 | 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 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 |
Where a privacy and cookie settings panel is available in your region, you can use it to change your choices. You can also block or delete cookies in your browser settings and turn off personalised Google ads at https://myadcenter.google.com/. If you block strictly necessary cookies, parts of the website may not work.
Where a settings panel is available in your region, non-essential cookies are used according to your choice, and you can withdraw it at any time. Withdrawing consent does not affect processing carried out before you withdrew it. More details are in our Cookie Policy.
6. Who we share your personal data with
We do not sell your personal data and we do not share it with banks or financial institutions. 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, other advertising partners and Lotame, as described in sections 4 and 5. They also process data under their own privacy policies, such as Google’s at https://policies.google.com/privacy.
- 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.
- Government authorities and courts, where the law requires it.
7. Transfers outside Pakistan
ETUS DIGITAL LLC is located in the United States of America. Your personal data may be stored and processed in the United States and in other countries where our service providers operate. 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. We will comply with any restriction on cross-border transfers that Pakistani law imposes. 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 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: 2 years, then deleted.
- Emails you send us: 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 data collected through cookies: for the period set for each cookie.
We may keep data for longer where the law requires it or to deal with a dispute.
9. Security
We use reasonable security practices and procedures appropriate to the data we process, such as encrypted connections, access controls and system monitoring. If a personal data breach affects you, we will inform you and the authorities as required by law.
10. Your rights
You may:
- ask whether we process personal data about you and obtain a summary of it;
- ask us to correct, complete, update or erase your personal data;
- withdraw your consent at any time, as easily as you gave it, where we process your personal data on the basis of consent;
- object to the processing of your personal data;
- complain to us (section 11).
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 these rights, email contact@unum.com.br with the subject line “Privacy request”, from the email address your request relates to, and tell us what you want. If we need to confirm your identity, we will ask only for what is strictly necessary. Making a request is free. We reply within 30 days.
11. Complaints
To complain about how we process your personal data, email contact@unum.com.br with the subject line “Privacy complaint” and describe what happened. We will reply within 30 days of receiving it. Pakistan currently has no data protection authority; if you are not satisfied with our reply, you may take the matter to the competent authorities or courts.
12. Children
This website is intended for adults aged 18 and over and is not directed at children. We do not knowingly process the personal data of anyone under 18, and we do not track or monitor the behaviour of children or direct targeted advertising at them. If we find that we have collected a child’s personal data, we will delete it.
13. Third-party websites
Our content links to the official websites of banks and other financial institutions. Those websites have their own privacy policies, for which Unum is not responsible.
14. Changes to this policy
We may update this policy. The current version will always be published on this page with its “Last updated” date, and we will flag significant changes on the website. Where a change requires your consent, we will ask for it.