Privacy Policy DE

Welcome to Unum’s Privacy Policy. This document explains who we are, how we handle your personal information, and the protection measures we take to ensure security and transparency in our relationship with you. Unum is committed to protecting your personal information in accordance with the General Data Protection Regulation (GDPR), the Bundesdatenschutzgesetz (BDSG), and the Telecommunications-Telemedia-Data Protection Act (TTDSG).

First, who is Unum?

We are Unum, a platform dedicated to sharing valuable financial information with you in an accessible, clear, and efficient way. Our goal is to help you understand and choose financial products and services that best meet your needs and preferences. We work to ensure that you can make informed financial decisions, always with transparency and security. We value your privacy and are committed to protecting your personal information.

We believe in the importance of clarifying how we process your information, especially within our group of companies. This Privacy Policy outlines how your personal information is used on our website to promote both our services and those of third parties. Please note that this policy does not apply to third-party websites or services beyond our control, and we are not responsible for your interactions with them.

To begin, what is data and what data are we talking about?

To answer this question, it is essential to understand some terms that we will use throughout this Policy:

  • Personal Data: Any information relating to an identified or identifiable natural person (‘data subject’); an identifiable natural person is one who can be identified, directly or indirectly, in particular by reference to an identifier such as a name, an identification number, location data, an online identifier or to one or more factors specific to the physical, physiological, genetic, mental, economic, cultural or social identity of that natural person. This includes information collected by Unum and its affiliates from various sources, including public sources. This includes information in any format, such as electronic records or physical documents.  
  • Non-Personal Data: Information that cannot identify you, such as website visit data, access times, clicked hyperlinks, and other anonymized or pseudonymized data.
  • User: Any individual or entity accessing or using our services, referred to as “you” throughout this policy.

How do we access your data?

We collect information in the following ways, with your consent where required and in accordance with the legal bases provided by the GDPR:

  • Information You Provide: When you register, complete forms, or access content like e-books, we collect information such as your name, email, phone number, address, and date of birth.
  • Third-Party Information: We may collect information from public sources, service providers, and partners, including social networks, with your prior authorization and in accordance with applicable data protection laws.
  • Browsing Information: We collect data about your website activity, including pages visited, access times, IP address, device information, and location data, even if you do not register.

Why do we use your data?

Unum is a financial platform dedicated to improving the lives of its users, offering knowledge and guidance in choosing the best banking products and services available on the market. To achieve this goal, we use advanced technology to recommend financial products and services that are most suitable for your reality and your needs. To offer these personalized recommendations, we need to understand who you are. Therefore, we collect and analyze your data, which allows us to suggest products and services that really make sense for your profile – whether they are from our own offers or from third parties.

You may ask yourself: “With so many free suggestions, how does Unum generate revenue?”

The answer is simple: our revenue, which is essential to maintain the website and finance our investments in technology, comes mainly from the display of advertisements related to financial products and services. Targeted, data-based advertising is a legitimate and effective practice, allowing you to access ads relevant to your profile, while ensuring the continuity of our free content.

It is important to note that we use third-party services to display these ads. These ads may contain cookies or web beacons, which collect information about your interaction with them, such as whether you clicked on an ad or showed interest in the product or service displayed. However, Unum does not have direct access to this data and is not responsible for the information collected by third parties. For more details, please see our Cookie Policy.

Unum uses ads from the Google AdSense network, which uses cookies to display ads based on your preferences and browsing habits. The DART Cookie, for example, allows personalized ads to be displayed according to your browsing.

Although some Unum features can be accessed without registration, the use of certain tools, such as the comparison of financial products and services, or the request for specific products and services, may require prior registration, including the provision of personal data, such as name and e-mail.

Legal Basis for Processing:

We process your personal data based on the following legal bases as outlined in the GDPR:

  • Consent (Art. 6(1)(a) GDPR): For processing activities where you have given us explicit consent.
  • Contractual Necessity (Art. 6(1)(b) GDPR): For processing activities necessary for the performance of a contract with you or to take steps at your request before entering into a contract.
  • Legal Obligation (Art. 6(1)(c) GDPR): For processing activities necessary to comply with a legal obligation.
  • Legitimate Interests (Art. 6(1)(f) GDPR): For processing activities necessary for our legitimate interests or the legitimate interests of a third party, except where such interests are overridden by your interests or fundamental rights and freedoms.  

Data Subject Rights:

Under the GDPR, you have the following rights:

  • Right to Access (Art. 15 GDPR): You have the right to obtain confirmation as to whether or not personal data concerning you is being processed, and, where that is the case, access to the personal data.  
  • Right to Rectification (Art. 16 GDPR): You have the right to rectify inaccurate personal data.
  • Right to Erasure (‘Right to be Forgotten’) (Art. 17 GDPR): You have the right to erase your personal data under certain conditions.
  • Right to Restriction of Processing (Art. 18 GDPR): You have the right to restrict the processing of your personal data under certain conditions.
  • Right to Data Portability (Art. 20 GDPR): You have the right to receive your personal data in a structured, commonly used, and machine-readable format and to transmit those data to another controller.  
  • Right to Object (Art. 21 GDPR): You have the right to object to the processing of your personal data under certain conditions, including processing based on legitimate interests.  
  • Right to Lodge a Complaint (Art. 77 GDPR): You have the right to lodge a complaint with a supervisory authority.

Data Security:

We implement appropriate technical and organizational measures to ensure a level of security appropriate to the risk, including protection against unauthorized or unlawful processing and against accidental loss, destruction, or damage.  

Data Transfers to Third Countries:

If we transfer personal data to a third country (outside the European Economic Area), we will ensure that appropriate safeguards are in place, such as standard contractual clauses approved by the European Commission.

How We Use Your Data

Unum uses your data for:

  • Accurate and secure identification: We guarantee your correct identification to protect your security and prevent fraud.
  • Offer personalized products and services: Based on the analysis of your profile, we suggest the products and services—our own and those of third parties—that best meet your needs, personalizing your experience on our website.  
  • Improve our communication: We use your data to improve our interaction with you, sending emails with access to our content, offers, and relevant news.
  • Studies and technological improvement: We use your data in research and to improve our data processing technologies, such as the creation of user profiles, always in a way that makes this data non-identifiable (anonymized or pseudonymized).

Does Unum share your data?

First, it is important to clarify that Unum does not sell your personal data. However, we may share your personal data with companies in our group and with third parties in the following circumstances and in accordance with applicable laws:  

  • Unum owns several domains in the finance segment, all identified as part of our group. On all our sites, you will find our brand in the footer, indicating that they belong to our network. These sites may process your data to offer content, products, and services aligned with our activities.
  • In relation to third parties or partners, as a rule, we share only non-personal data, such as behavioral data. However, your personal data may be shared to recommend products and services that best meet your needs or to provide products and/or services that you have requested, provided that you have given your consent or we have another legal basis to do so.
  • Our partners are authorized to use your personal data exclusively for the specific purposes agreed upon. They are not authorized to use this data for any other purpose, beyond what was contractually stipulated. Any company that has access to your personal data must treat it in accordance with the purposes for which it was collected (or with the consent given by you), and in accordance with this Privacy Policy and applicable privacy and data protection laws (GDPR, BDSG).
  • We share your personal data for administrative purposes, such as research, planning, service development, in addition to security and risk management.
  • We may also share your data when it is necessary due to a legal obligation, determination of competent authority or judicial decision.  
  • Unum reserves the right to assist and cooperate with judicial or governmental authorities. We may share your personal data to establish or exercise our legal rights, protect our property, or when we deem it necessary to cooperate for the fulfillment of contracts and agreements, or to protect the rights, property, or safety of our employees and/or users.  
  • In the case of compliance with administrative requests, we may provide information to the authorities, provided that we have a legal obligation to do so, or another legal basis under the GDPR.  

What are your rights and how can you contact us?

It is essential that you, the data subject, know that you have the right not only to obtain, but also to control your data at any time. Upon request to Unum, and in accordance with the GDPR, you can request:

  • Confirmation of the existence of data processing;
  • Access to the data;
  • Correction of incomplete, inaccurate, or outdated data;
  • Erasure (“right to be forgotten”) of data;
  • Restriction of processing;
  • Data portability;
  • Object to processing;
  • Lodge a complaint with a supervisory authority;
  • Information on recipients of personal data;
  • Information regarding automated decision making including profiling.

You can change your cookie acceptance settings in your browser at any time. However, disabling browsing cookies may affect certain Unum functionalities, which could impact your experience on the platform. Please see our cookie policy for more information.  

If you have any questions, requests, complaints, or want more information about the products and/or services offered by our platform, you can contact us through the online chat or by email at [email protected].

You can also use this channel to clarify any questions related to the use of your personal data or if you believe that your information has been handled in a manner inconsistent with this Policy or your choices as a data subject.

How Do We Protect Your Data?

Unum adopts practices and technologies that are continuously reviewed and improved, keeping pace with technical and regulatory advancements, both nationally and internationally. We implement a series of measures to protect your data against unauthorized access, misuse, alteration, disclosure, or destruction. These measures include: physical and logical data protection, communication encryption, access control, secure software development, internal compliance policies, and risk mitigation mechanisms that ensure security throughout the entire data lifecycle. Additionally, your data is stored in secure and internationally recognized databases, such as Google Cloud.  

Despite our best efforts, we cannot guarantee that our services, the databases we use, or the systems of other components of our business group are completely inviolable. However, in the event of any incident that compromises the security of your data, we will take prompt measures to inform you and remedy the situation.

IMPORTANT INFORMATION! READ CAREFULLY!

By accessing and/or using the Unum website, you acknowledge and agree that:

  • You are at least 18 (eighteen) years old and have full capacity to accept the terms of this Privacy Policy. Otherwise, you should not access or use Unum’s services or any of its operated websites and services.
  • Unum follows international security standards and norms for data storage, protection, privacy, and transmission, although no security method is 100% secure.
  • Unum does not send emails requesting payments or confirmation of personal data.
  • Unum may conduct research within your history to improve your profile and recommend personalized products and services based on your preferences and needs, based on legitimate interest, or consent.
  • Unum and its partners may invite you to participate in satisfaction surveys, using the collected data to improve our systems, products, content, and services.
  • If you contact us to report a problem, question, or request support, Unum may collect and store information related to the contact, as well as messages and data necessary for investigation and resolution of your inquiry. This data will also be used to improve our services and your experience on the platform.

Data Retention:

We retain your personal data for as long as necessary to fulfill the purposes for which it was collected, or as required by applicable laws or regulations.  

Contact Information and Data Protection Officer:

If you have any questions about this Privacy Policy or our data processing practices, please contact us at: [email protected].

If required by law, we have appointed a Data Protection Officer (DPO). You can contact our DPO at: [email protected].

Privacy Policy Updates

As the world is constantly evolving, we reserve the right to review and modify this Policy from time to time. We recommend that you check this page periodically to ensure that you are aware of the latest information on how we handle your data. By continuing to use our services, we assume that you are aware of and agree to the changes.

In accordance with recognized data protection standards, we have appointed a data protection officer (DPO). For any questions or requests, you can contact them by email at [email protected].

Date of last update of this Privacy Policy: March 13, 2025.

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 strives to provide accurate and up-to-date information, but 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; 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.