Unum is a platform dedicated to the evaluation of financial products and financial education, focusing on creating and sharing informative content and detailed analyses of various financial services and products, such as credit cards, digital banks, loans, financing and more, offered by financial institutions. In addition, Unum conducts reviews of banking products and provides other relevant content for those seeking knowledge in this area.
We operate a main website and may have other financial websites linked to our brand, as well as mobile applications, designed to provide a practical and personalised experience. Our goal is to help you make more informed financial decisions by recommending products and services that best suit your needs.
These Terms and Conditions of Use (“Terms”) are available at all times on our website and must be read together with our Privacy Policy, in compliance with applicable legislation, including but not limited to the EU General Data Protection Regulation (GDPR), the Polish Civil Code (Kodeks cywilny), and Polish consumer protection laws (including the Consumer Rights Act – Ustawa o prawach konsumenta z dnia 30 maja 2014 r.).
- DEFINITIONS
1.1. For the purposes of these Terms, “User” means any natural or legal person who accesses or uses Unum’s services, regardless of the access method, including mobile devices, tablets, computers, browsers or other technology.
- ACCEPTANCE
2.1. By accessing or using Unum, the User declares that they have read, understood and agree to be bound by these Terms and our Privacy Policy.
2.2. The User also confirms that they are at least 18 years old or have reached the age of majority as defined in Polish law and have the legal capacity to enter into these Terms.
2.3. If the User does not agree to these Terms, in whole or in part, they must refrain from using Unum’s services.
- CONTACT US
3.1. Users can ask questions, submit complaints or request support regarding the services or content offered by Unum by contacting us via: [email protected].
- RESPONSIBILITIES
4.1. By using our services, the User acknowledges and agrees to comply with these Terms and the Privacy Policy.
4.2. Unum may include links to third-party websites that offer products or services. Such services are provided independently and are not controlled or endorsed by Unum.
4.3. When redirected to third-party sites, the User must review and agree to those sites’ Terms and Privacy Policies before using their services.
4.4. Unum is not liable for:
- Third-party terms and privacy policies;
- Information or content provided by advertisers;
- Products or services purchased from third-party websites;
- Damage caused by malware, viruses, or similar code encountered during use of our website;
- Losses or damages resulting from misuse of our services or caused by force majeure.
4.5. The User is responsible for protecting their own device and maintaining up-to-date antivirus software.
4.6. The User agrees to:
- Not infringe on the rights of third parties when using the website;
- Not use the site for harassment, stalking, or unlawful surveillance;
- Not engage in illegal, fraudulent, or inappropriate conduct;
- Fully comply with these Terms and all applicable laws and regulations, including Polish and EU consumer and data protection laws.
- TERM AND LIMITATION OF LIABILITY
5.1. These Terms remain in force for an indefinite period.
5.2. To the extent permitted by Polish law, Unum’s liability shall be limited to direct damages caused by proven negligence. We do not assume liability for indirect damages, such as lost profits, loss of opportunity or reputational harm.
- MODIFICATION OF TERMS AND CONDITIONS
6.1. Unum reserves the right to amend these Terms at any time. Users will be notified of material changes through our website or other communication channels.
6.2. Continued use of the website after updates constitutes acceptance of the new Terms. If you do not agree to the changes, you must discontinue using our services.
- GOVERNING LAW AND JURISDICTION
7.1. These Terms and any disputes related to them or to your use of Unum’s services shall be governed by the laws of the Netherlands, excluding its conflict of law provisions.
7.2. Any dispute that cannot be resolved amicably shall be submitted to the competent court in Amsterdam, unless otherwise required by mandatory Polish consumer protection law.
7.3. If you are a consumer residing in the Poland or elsewhere in the EU, you may also file a complaint via the EU Online Dispute Resolution platform: https://ec.europa.eu/consumers/odr/.