Unum is a digital platform designed to help users in South Africa discover, compare, and better understand a wide range of financial products and services, including but not limited to credit cards, personal loans, financing options, and banking solutions offered by licensed financial institutions. We strive to provide accurate, up-to-date, and relevant information to support informed financial decision-making.
These Terms and Conditions of Use (“Terms”) apply to all users who access or use Unum’s services via our website or affiliated applications. Please read these Terms carefully, along with our Privacy Policy, which outlines how we collect and process your personal information in accordance with the Protection of Personal Information Act, 2013 (POPIA) and other applicable laws and regulations in South Africa.
1. DEFINITIONS
1.1. “User” refers to any individual or legal entity accessing or using Unum’s services by any means, including desktop, mobile, tablet, or other digital platforms.
- ACCEPTANCE
2.1. By accessing or using Unum, the User confirms that they have read, understood, and agreed to these Terms and the Privacy Policy.
2.2. The User affirms that they are at least 18 years old and legally capable of entering into a binding agreement under South African law.
2.3. If the User does not agree to any part of these Terms, they must stop using the services immediately.
- CONTACT US
3.1. For inquiries, support, or concerns regarding our services, please contact us at: contact@unum.com.
- RESPONSIBILITIES
4.1. Unum may provide access to or links to third-party websites, financial institutions, or service providers. All applications, service fulfillment, and financial decisions are the sole responsibility of those third parties.
4.2. Unum is not a financial institution and does not offer financial products directly, assess creditworthiness, approve applications, or issue loans.
4.3. Users are responsible for verifying all product details directly with the relevant financial institution before applying or entering into any agreement.
4.4. Unum shall not be held liable for:
(i) the terms, conditions, or privacy practices of third-party websites;
(ii) the accuracy, completeness, or reliability of third-party content or offers;
(iii) any damage caused by viruses, phishing attempts, or malicious software encountered while using the platform.
4.5. Users are responsible for securing their devices and employing appropriate cybersecurity measures.
4.6. Users agree not to:
(i) violate applicable South African laws or third-party rights;
(ii) use the platform for unlawful, abusive, or fraudulent purposes;
(iii) upload or disseminate harmful software or content.
- TERM AND LIMITATION OF LIABILITY
5.1. Unum shall not be liable for any indirect, incidental, special, or consequential damages arising out of the use or inability to use its services.
5.2. To the extent permitted by South African law, Unum’s total liability, if any, shall not exceed the amount paid (if any) by the User for use of the service.
6. MODIFICATION OF TERMS
6.1. Unum may modify these Terms at any time without prior notice.
6.2. Continued use of the services after changes to these Terms constitutes acceptance of the revised version.
7. GOVERNING LAW AND JURISDICTION
7.1. These Terms and the Privacy Policy shall be governed by the laws of the Republic of South Africa, including the Protection of Personal Information Act, 2013 (POPIA) and other applicable consumer protection and electronic communications legislation.
7.2. Any disputes shall be submitted to the exclusive jurisdiction of the competent courts of South Africa.