Last updated: 15 October 2026
This Privacy Policy applies to the South African edition of Unum (https://unum.com.br/za/) and explains how your personal information is handled when you visit this website or contact us. It has been prepared in line with the Protection of Personal Information Act 4 of 2013 (POPIA).
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
Questions, requests and complaints about how we handle personal information can be sent to contact@unum.com.br with the subject line “Privacy request”.
Unum is an independent editorial website. It is not a bank or a credit provider, 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 available to you (see sections 4 and 5).
- Contact details and the content of your messages, 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 this information through the website itself, through cookies and similar technologies, and from the emails you send us. We do not ask for identity documents, bank details, income or credit information, and we do not collect special personal information. 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.
You do not have to give us any personal information to read this website. Providing your contact details when you email us is voluntary, but without them we cannot reply to you. Giving us your name, email address and answers in the quizzes is also voluntary, but without them we cannot give you the quiz result. If you block cookies that are not strictly necessary, the website still works, but ads may be less relevant to you.
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 |
| 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 requirements and defending our rights | Data needed in each case |
Where we rely on your consent, you can withdraw it at any time, without affecting processing carried out before you withdrew it. Where the privacy and cookie settings panel is available in your region, you can change your choice there. You can also delete or block cookies in your browser and turn off personalised ads at https://myadcenter.google.com/.
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 use quiz data to provide the quiz you asked for. We send commercial emails only with your consent, given by ticking the optional box (section 69 of POPIA), and you can opt out 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. These networks and their partners, and the audience data platform Lotame, may use cookies and identifiers to show you ads based on your visits to this and other websites, according to the choices available to you. If you turn off personalised ads, you may still see ads, but they will not be based on your interests.
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/.
We do not make decisions based solely on automated processing that have legal or similarly significant effects on you.
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 (first party) and, where shown, the consent tool | 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, where permitted, 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 |
You can delete or block cookies in your browser. If you block strictly necessary cookies, parts of the website may not work.
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 (Google LLC, through Google Cloud, United States), deliver content (Cloudflare, Inc., United States), provide security, email and audience measurement (including our own measurement tool, with servers in the United States), acting on our behalf and under our instructions.
- Google, advertising partners and Lotame, in line with the choices available to you (sections 4 and 5).
- 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.
- Authorities and courts, where the law requires it.
7. International transfers
ETUS DIGITAL LLC is established in the United States, so your information is processed there, and our service providers may process it in other countries. The laws of the United States and of other countries where our service providers operate may not provide a level of protection substantially similar to POPIA. We transfer personal information outside South Africa only as permitted by section 72 of POPIA: Google is certified under the EU-U.S. Data Privacy Framework, and our hosting and content delivery providers, Lotame and our own measurement tool are bound by binding agreements with contractual safeguards for your information. You can ask for more information at contact@unum.com.br. 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 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 de-identified.
- Emails you send us: up to 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 information collected through cookies: for the period shown for each cookie in the settings panel or set by the third party.
When these periods end, we destroy, delete or de-identify the information.
9. Your rights
Under POPIA, you have the right to:
- ask whether we hold personal information about you and access it;
- ask us to correct or delete it;
- object to its processing on reasonable grounds and, at any time, to its use for direct marketing;
- withdraw your consent, where we rely on it;
- not be subject to a decision based solely on automated processing that has legal or similarly significant effects on you;
- be told if your personal information has been accessed or acquired by an unauthorised person;
- lodge a complaint with the Information Regulator; and
- institute civil proceedings regarding an alleged interference with the protection of your personal information.
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 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. Exercising your rights is free.
We will respond within 30 days of receiving your request. If we need more time, we will tell you within those 30 days and explain why, and the extension will not exceed a further 30 days.
If you are not satisfied with our response, you may lodge a complaint with the Information Regulator (South Africa), Woodmead North Office Park, 54 Maxwell Drive, Woodmead, Johannesburg, 2191; email POPIAComplaints@inforegulator.org.za; website https://inforegulator.org.za.
10. 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.
11. Security
We use technical and organisational measures appropriate to the risk, such as encrypted connections, access controls and system monitoring.
12. 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.
13. 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 publish a notice of significant changes on the website before they take effect.