Last updated: 15 October 2026
This Privacy Policy applies to the Samoa edition of Unum (https://unum.com.br/ws/) and explains how your personal information is handled when you visit this website, complete one of our quizzes or contact us. Samoa does not currently have a general data protection law, so this policy follows widely recognised privacy principles (transparency, purpose limitation, data minimisation, security, access and correction) and the protections that apply under the law of Samoa.
1. Who is responsible for your information
ETUS DIGITAL LLC (Florida Division of Corporations, Document No. L19000150138)
601 Brickell Key Drive, Suite 901, Miami, FL 33131, United States
Email: contact@unum.com.br
Unum is an independent editorial website. It is not a bank or a lender, it does not 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, according to the choices you have made (see section 5).
- Contact details and the content of your messages, when you email us.
- Quiz information: your name, your email address and your answers, when you complete the credit card or loan quiz hosted at responda.unum.com.br.
We do not ask for identity documents, bank details, income or credit information, and we do not collect sensitive information. In the quizzes we ask only for your name and email address, plus your answers about your preferences. We do not assess your credit, we do not check credit bureaus and we do not send your name or email address to Meta, TikTok or Google.
3. Why we use your information
| Purpose | Data | Basis |
|---|---|---|
| Displaying the website, keeping it secure and preventing abuse or fraud | Browsing data | Our legitimate interest in providing a secure service |
| Remembering your cookie choices | Consent identifier | Our legitimate interest in respecting your choices |
| Measuring audience and improving content | Browsing data and identifiers | Your consent, where it is requested; otherwise our legitimate interest in understanding how the website is used |
| Showing personalised advertising, building interest segments and measuring performance | Identifiers and browsing data | Your consent, where it is requested |
| Showing advertising that funds a free service | Technical data needed to serve the ad | Our legitimate interest in funding a free service |
| Working out the card or loan recommendation from your quiz answers and emailing you the result | Name, email address and quiz answers | Performing the service you request |
| Sending you Unum news, comparisons and commercial emails | Name and email address | Your consent, given by ticking an optional box that is not ticked by default. Withdrawing it does not affect your quiz result |
| Measuring the advertising campaigns that lead to the quizzes (Meta, TikTok and Google) | Online identifiers and browsing data | Your consent |
| Answering your questions, requests and complaints | Contact details and message content | Our legitimate interest in responding to you; compliance with the law when you exercise your rights |
| Complying with legal requirements and defending our rights | Data needed in each case | Legal obligation and legitimate interests |
You can withdraw your consent at any time, without affecting processing carried out before you withdrew it, using the preferences panel where it is available in your region, by changing your browser settings or by emailing contact@unum.com.br.
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. These networks, their partners and the audience data platform Lotame may use cookies and identifiers to build a profile of your interests and show you ads based on your visits to this and other websites, subject to the choices described in our Cookie Policy.
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 personalised 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 consent banner on that page, the conversion pixels and tags of those networks are activated to measure which ads lead to the quizzes. If you decline, those pixels are not activated and you can still complete the quiz. Advanced matching (Meta and TikTok) and enhanced conversions (Google) are switched off, so your name and email address are not sent to those networks. There are no Google Ad Manager ads in the quizzes. You can change your choice at any time through the cookie settings link on the page.
We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.
5. Cookies
We use cookies and similar technologies, including those of Google, Lotame (panoramaId, _cc_id) and our own measurement tool (__br_*), and, in the quizzes and only with your consent, the pixels of Meta, TikTok and Google, as described in our Cookie Policy.
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.
- Google, advertising partners and Lotame, in line with the choices you made in the cookie settings.
- Meta, TikTok and Google, only in relation to the browsing identifiers collected by the quiz pixels and only if you accept advertising cookies.
- Quiz information (name, email address and answers) stays with ETUS DIGITAL LLC and the hosting and email-sending providers acting on our behalf. We do not pass it to banks, lenders or commercial partners.
- Authorities and courts, where the law requires it.
7. International transfers
ETUS DIGITAL LLC is established in the United States, so your data is processed there and may be processed in other countries by our service providers. Google LLC is certified under the EU-US Data Privacy Framework. For our hosting and content delivery providers, Lotame and our own measurement tool, we rely on standard contractual clauses and similar contractual safeguards. Quiz information is hosted in the United States with the same safeguards. Meta and TikTok may process pixel data outside your country, including in the United States, under the safeguards each company describes in its 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 and technical logs: up to 2 years, then deleted or anonymised.
- Emails you send us: up to 2 years.
- Quiz information (name, email address and answers): up to 2 years from when you give it, or until you withdraw your consent or unsubscribe, whichever comes first for commercial emails.
- Other information collected through cookies: for the period shown for each cookie in the settings panel or set by the third party.
9. Your rights
You can ask us to give you access to your personal data, to correct it, to delete it, to stop or limit its processing, including for advertising purposes, and you can withdraw your consent at any time, without affecting processing carried out before you withdrew it. If you receive commercial emails from us, you can unsubscribe at any time using the link in the email or by writing to contact@unum.com.br.
To exercise your rights, email contact@unum.com.br with the subject line “Data 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. Exercising your rights is free. We aim to respond within 30 days; if we need more time, we will tell you why.
10. Complaints
If you have a complaint about how we handle your personal information, you can make it to us by emailing contact@unum.com.br with the subject line “Data protection complaint”. We will look into it without undue delay, keep you informed and tell you the outcome.
You may also raise your concern with any authority in Samoa that is competent to receive it.
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 technical and organisational measures appropriate to the risk, such as encrypted connections, access controls and system monitoring.
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, and we will flag significant changes on the website.