Last updated: October 15, 2026
This Privacy Policy applies to the US edition of Unum (https://unum.com.br/us/) and explains how your personal information is handled when you visit this website or contact us. It has been prepared in line with applicable US federal and state privacy laws, including the California Consumer Privacy Act as amended by the California Privacy Rights Act (CCPA) and other state consumer privacy laws.
1. Who is responsible for your information
ETUS DIGITAL LLC
601 Brickell Key Drive, Suite 901, Miami, FL 33131, United States
Florida Division of Corporations, Document No. L19000150138
Email: contact@unum.com.br
Unum is an independent editorial website. It is not a bank, lender or card issuer, it does not receive or 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 (see section 5).
- Contact details and the content of your messages, when you email us.
- Quiz data: your name and email address, when you give them in the credit card and loan quizzes hosted at responda.unum.com.br, and your answers to the quiz.
We collect this information from you and your device, and some identifiers and inferences about your interests come from our advertising and analytics partners. 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 and email address, and we do not send your name or email to Meta, TikTok or Google. The quizzes help you find, in an editorial and guidance-only way, the credit card or loan that best fits your preferences, based on Unum’s reviews. They do not assess your credit, do not check credit bureaus, do not decide any approval and do not receive applications.
3. Why we use your information
| 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 and measuring its performance | Identifiers and browsing data |
| Answering your questions and requests | Contact details and message content |
| Creating the quiz recommendation and emailing you the result | Name, email address and quiz answers |
| Sending you news, comparisons and commercial emails from Unum, only if you tick an optional, unticked box | Name and email address |
| Measuring the ad campaigns that lead to the quizzes (Meta, TikTok and Google), only with your consent | Online identifiers and browsing data |
| Complying with legal requirements and defending our rights | Data needed in each case |
You can opt out of the sale or sharing of your personal information and of targeted advertising at any time, as explained in section 10.
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. Unless you opt out as explained in section 10, these networks and their partners may use cookies and identifiers to show you ads based on your visits to this and other websites. We also work with Lotame, an audience data platform that uses cookies to group visitors by interest for advertising purposes.
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/.
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 Google Ad Manager notice on that page, the pixels and tags of those networks are activated to measure which ads lead to the quizzes. If you do not accept them, those pixels are not activated and you can still complete the quiz. We keep Meta and TikTok advanced matching and Google enhanced conversions turned off, so your name and email address are not sent to those networks. No Google Ad Manager ads are shown in the quizzes. These pixels may count as “sharing” or “targeted advertising” under some US state laws, and you can opt out as explained in section 10.
We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.
5. Cookies
We use the following types of cookies and similar technologies:
| Type | What they do | Who sets them | |
|---|---|---|---|
| Strictly necessary | Make the website work, keep it secure and store your privacy choices | Unum (first party) and our consent management tool, provided by Google | |
| Analytics | Count visits, show where traffic comes from and how the website is used | Unum, through its own measurement tool (__br_* cookies), and Google Analytics (third party, _ga cookies) | |
| Advertising | Show ads, limit how often you see the same ad and measure performance | Google and other advertising partners (third parties) | |
| Quiz campaign measurement | Measure which Meta, TikTok and Google ads lead to the quizzes, only with your consent | Meta Platforms Ireland Ltd. / Meta Platforms, Inc., TikTok Technology Limited / TikTok Inc. and Google (third parties) | Pixels and tags of each provider; duration set by each provider |
| Audience data | Group visitors into interest-based audiences used to select ads | Lotame (third party, panoramaId and _cc_id cookies) |
The quizzes at responda.unum.com.br show the same cookie notice. The Meta, TikTok and Google pixels are not activated until you accept advertising cookies.
You can opt out of the sale or sharing of your personal information and of targeted advertising as explained in section 10. You can also delete or block cookies in your browser. If you block strictly necessary cookies, parts of the website may not work.
Some browsers send “Do Not Track” signals. Because there is no common standard for them, our website does not respond to Do Not Track signals. Global Privacy Control is covered in section 10.
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.
- Advertising networks and advertising partners, including Google and Lotame, unless you have opted out.
- Quiz data (name, email address and answers): only ETUS DIGITAL LLC and the hosting and email-sending providers that process it on our behalf. It is not passed to banks, lenders or commercial partners.
- Meta, TikTok and Google, only for the browsing identifiers collected by the pixels and only if you accept advertising cookies.
- Authorities and courts, where the law requires it.
7. Where your information is processed
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, content delivery, Lotame and our own measurement tool are covered by contractual safeguards. Quiz data is hosted in the United States with the same safeguards. Meta and TikTok may process pixel data in the United States and other countries, under the safeguards each company states in its own terms. You can ask for more information at contact@unum.com.br.
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: 2 years.
- Quiz data (name, email address and answers): up to 2 years, or until you withdraw your consent or unsubscribe, whichever comes first for commercial emails.
- Emails you send us: 2 years.
- Browsing data and other technical logs: as long as needed for security and the operation of the website; then deleted or anonymized.
- Cookies set by advertising partners: for the period set by each partner in its own policy.
9. Your rights
Depending on your state of residence, you may have the right to know or access the personal information we hold about you, to correct it, to delete it, to obtain a portable copy, to opt out of the sale or sharing of personal information and of targeted advertising and, in some states, to obtain a list of the specific third parties to which we have disclosed personal information. We will not discriminate against you for exercising these rights.
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. An authorized agent may submit a request on your behalf with your signed permission, and we may ask you to confirm your identity directly. Exercising your rights is free. If you receive commercial emails, you can unsubscribe at any time using the link in the email or by writing to contact@unum.com.br.
We will confirm receipt of your request within 10 business days and respond within 45 calendar days, which we may extend by another 45 days where permitted by law, letting you know if we do. If we deny your request, you may appeal by replying to our decision; we will respond to appeals within the period required by your state’s law.
If you are not satisfied with our response to an appeal, you may contact your state Attorney General.
10. Your US state privacy rights
Allowing advertising partners to collect information through cookies on our site may be considered a “sale” or “sharing” of personal information, or “targeted advertising”, under some US state laws. You can opt out at any time through the “Do Not Sell or Share My Personal Information” link on our website, as explained on our Your Privacy Choices page. We treat a Global Privacy Control (GPC) signal as a valid opt-out request for the browser and device that sends it. California residents can find additional information in our Notice to California Residents. We do not knowingly sell or share the personal information of consumers under 16.
11. 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.
12. Security
We use encrypted connections (HTTPS) and other measures appropriate to the risk to protect your information.
13. 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.
14. Changes to this policy
We may update this policy. The current version will always be published on this page with its date. When we make significant changes, we will post the new version on this page before it takes effect.