1.1 These terms and conditions (“Terms”) apply to the use of your Account and Card and form part of a legal agreement between us and you. In applicable parts, these Terms also form part of a legal agreement between you and Juni. By using your Account and Card(s), you are demonstrating your agreement to these Terms. The various words and phrases are defined in the body of these Terms or in clause 2.
1.2 Please read these Terms carefully. These Terms tell you who we are, who Juni are, how the Card can be used, what to do if there is a problem and other important information. If you have any questions about these Terms, please contact Juni.
1.3 The Account has electronic money (“e-money”) loaded on it, and each Card, are issued and operated by Payment Card Solutions (UK) Limited trading as B4B Payments (‘B4B Payments UK’), a company registered in England and Wales (registration number 05941947) and registered office at 21-24 Millbank, London, England, SW1P 4QP. B4B Payments UK is authorised and regulated in the UK by the Financial Conduct Authority (Firm Reference Number: 930619) for the issuing of e-money.
1.4 The most up-to-date copy of these Terms are available online at the Terms and Conditions Page. You can request a copy of these Terms at any time by contacting Customer Services.
In these Terms, the following words and phrases have the meanings shown next to them (in addition to other words or phrases defined elsewhere in these Terms):
“Account” means a payment account operated by B4B Payments UK which can be used to store e-money issued to you by B4B Payments UK and to make transactions.
“Business Day” means a day between and including Monday to Friday, between 9am and 5pm (UK time) except for bank or public holidays in England and Wales.
“Card” means any card issued to you (or a User on your behalf) in virtual form which is connected to an Account.
“Card Scheme” means Mastercard.
“Customer Services” means Juni’s customer services team that you can contact via the methods set out in clause 26.
“EEA” means the European Economic Area and includes all the member states of the EU, as well as Iceland, Norway and Liechtenstein.
“EU” means the European Union.
“Juni” means Juni Financial Ltd, a company registered in the United Kingdom having its registered office at Suite 1, 7th Floor, 50 Broadway, London, SW1H 0BL, who takes part in
providing the Juni Platform to you and had introduced you to B4B Payments UK for the purposes of B4B Payments UK providing you with services under these Terms.
“Juni Platform” means the financial platform made available by Juni at https://www.juni.co/ which enables you to, amongst others, track your business spend.
“PIN” means personal identification number i.e. the security number provided for use of the Card.
“Pricing Page” means the online page that includes notification of charges and fees associated with the Account and Card and which will always be available to you on the Pricing Page on the Juni Platform.
“Privacy Policies” means B4B Payments UKs’ privacy policy and Juni’s privacy policy which explains how B4B Payments UK and Juni will use your personal data and which can be found at B4B Privacy Policy and Juni Privacy Policy.
“Retailer” means any retailer, merchant or other supplier of goods and/or services which accepts payment using the Account and/or a Card.
“Retailer’s Bank” means the merchant acquirer used by the Retailer for the purposes of receiving payments made using a Card.
“Security Credentials” means any tool, information or setting that you can use to access information on the Account and/or Card (including through the Juni Platform) and/or to make transactions using the Account and/or Card, which may include username, password or passcode, security question and answer, biometric details such as fingerprint, Card number, VIBAN, PIN or Card and signature, as B4B Payments or Juni may advise you from time to time.
“Summary Box” means the summary box at the bottom of these Terms which includes notifications of certain charges and restrictions associated with the Account and the Card; “Terms and Conditions Page” means https://www.juni.co/terms-and-conditions.
“TPP” means a third-party provider that may access information from your Account to provide an account information service to you (i.e. an online service which accesses one or more of your online payment accounts to provide a consolidated view of such accounts).
“UK” means the United Kingdom.
“User” means a user invited by you to access the Account and/or Card(s) in accordance with the dedicated process in the Juni Platform.
“VIBAN” means a Virtual International Bank Account Number allocated to your Account which can be used to identify your Account for the purposes of making transactions to and from the Account.
“we / us / our” means B4B Payments UK.
“you / your” means you, the legal entity for whom we operate the Account and any Card issued in relation to the Account.
3.1 In order to open an Account, you must: (a) complete and sign an online application form; (b) confirm your acceptance of these Terms and the Privacy Policies; and (c) provide us with any information and/or documentation requested by us to enable us to verify your identity.
3.2 We accept active limited liability companies, limited companies and public limited companies located within the UK as customers.
3.3 The Account and Card(s) are provided as a commercial tool to support your business activity as the Account holder and you agree that you will not use or allow your Account or any Card to be used for personal, family or household purposes or for any purposes in relation to the business activity of a third party (unless such purposes are within your business model). You represent to us that you are not a consumer. Should we determine, in our sole discretion, that you are using your Account and/or any Card for personal, family or household purposes or for any purposes related to the business activities of any third party (unless such purposes are within your business model), we may, and you agree that we may, immediately suspend your access to your Account and any Card
3.4 A duly authorised person that is at least 18 years old must apply to open an Account on your behalf.
3.5 If we accept your application for an Account and Card, we will send you a notification informing you that your Account is open and ready to use. We reserve the right to decline opening an Account for you without specifying a reason, and we may close an Account and cancel any Card (and stop providing associated services) if we find out you were not eligible to use it.
3.6 By opening an Account you warrant that opening an Account does not violate any laws or regulations applicable to you and you shall indemnify us and Juni against any and all losses we incur in connection with your breach of this clause.
3.7 As well as information and documentation required and electronic checks on your identity carried out as part of the Account application process, we may carry out due diligence checks on your legal entity (which may include identity checks on your entity’s directors, beneficial owners and other officers and checks on the nature of your entity’s business) and Users of the Card to verify their identity in accordance with legal requirements. We may also carry out such due diligence checks on an on-going basis through the duration of these Terms. You agree to provide any such information and documents as we may reasonably request. You represent and warrant that all information provided by you to us or Juni at any time is and will be truthful and accurate.
3.8 You may be eligible to apply for a line of credit or lines of credit or other credit products extended by Juni or any of its affiliates. To apply for such credit products, you must be
(i) an existing customer of B4B Payments UK or Juni or any of its affiliates, with a valid Account; and (ii) determined by Juni or any of its affiliates to be eligible. Juni reserves the full and exclusive right to, in its own discretion, determine if you are eligible for credit. In assessing whether you are eligible for credit, Juni may consider your circumstances and business model, your Account usage and history (which you, upon applying for credit, approve its use by us and Juni and any of our affiliates for these purposes), information from other parts of Juni’s group, information that Juni receives
from credit reports, the bank accounts that you have integrated to the Juni Platform, publicly available information and any other information that Juni consider to be relevant.
4.1 The Account is an e-money account and any funds loaded on it are issued to you only. As an e-money product, funds loaded into your Account are not covered by the Financial Services Compensation Scheme. Interest will not be earned on any funds loaded into the Account.
4.2 The currency of the Account and Card will be visible to you on the Juni Platform.
4.3 You must not allow any other person to use your Account and/or Card, except any User. You remain fully responsible and liable for any activities undertaken with respect to the Account and/or Card(s) by any User.
4.4 Financial and other limits may apply in relation to the Account and/or any Card (for example, the maximum balance that may be held in an Account, the value of individual Card transactions or an aggregate number or value of such transactions in a particular time period). Such limits will be set out in the Summary Box and may be changed by us from time to time. To manage our risk, particularly with respect to money laundering, fraud or security concerns, we may also apply internal controls, including limits, to certain types of transactions from time to time but for security purposes, will not disclose them to you. We may refuse to execute any transaction to load the Account, to make a transaction from the Account and/or make a Card payment if it would breach any such limits.
5.1 We or Juni will provide or set you up with Security Credentials (such as PIN, password or Card number) so that you can use your Account and/or Card to make transactions and/or access information on the Account (including through the Juni Platform). You must take all reasonable steps to keep the Account, Card and any such Security Credentials safe to protect the funds in the Account.
5.2 You must not:
5.2.1 allow anyone else (other than a User) to use the Account, Card and/or other devices which may be used to access the Account, Card or Security Credentials (such as your mobile phone where you keep Account details, Card details or other Security Credentials);
5.2.2 give or disclose to any other person the Security Credentials (such as PIN or any other security information you have given us);
5.2.3 choose Security Credentials like a PIN or password that is easy for someone else to guess (such as 1234 or a date of birth); or
5.2.4 write down the Security Credentials in a way that someone else could understand them.
5.3 If a Card is lost or stolen or if you believe that someone else has used or otherwise has unauthorised access to your Account, Card or Security Credentials (for example, if the Account, Card, Card number or PIN may be misused, or if a mobile device where you keep them has been lost, stolen or misappropriated), you must:
5.3.1 immediately freeze that Card through the Juni Platform;
5.3.2 if we ask, write to Customer Services within seven (7) days to confirm the loss, theft or possible misuse, and
5.3.3 stop using the Account, Card, Card number or Security Credentials (such as PIN) immediately. If you find the Card after it has been reported lost, stolen or misused, you must cut it up and tell us as soon as you can.
6.1 If you want to load funds into your Account, you need to log into your Account and follow the instructions in the Juni Platform. Funds may be loaded into your Account, using the VIBAN as the identifier for the destination of the funds being loaded, by a bank transfer by
6.1.1 you;
6.1.2 B4B Payments UK;
6.1.3 Juni or its affiliates; or
6.1.4 another third party.
6.2 We may refuse to accept any particular loading transaction if:
6.2.1 it would breach any limit applicable to the Account;
6.2.2 the Account or Card is inactive, blocked or terminated or the party making the loading transaction or its source or method are not as approved by us;
6.2.3 you have provided incorrect/invalid details for the load; or
6.2.4 we know or suspect the transaction is fraudulent or unauthorised.
6.3 If the loading transaction is refused, the Account will not be credited and the funds may be sent back to the sender without prior notice to you.
6.4 Once we have received a request to load the Account and we are in receipt of funds we will process the load request without delay and the funds will be available to use on the Account and Card as soon as the funds are received.
6.5 You can load funds into your Account in twenty-four (24) currencies, including all EEA currencies (except BGN and ISK) as well as AED, AUD, CAD, CHF, GBP, HKD, ILS, JPY, MXN, NZD, SAR, SGD, TRY, USD and ZAR. Each will be converted at the current interbank rate (FX fees apply as outlined in the Summary Box).
6.6 You cannot load your Account with physical cash (such as coins or notes).
7.1 We can, at our discretion, define the Retailer types, the specific reasons for which you may use the Account and/or Card, other limits applicable to the Card and refuse to let you hold and use a Card if you carry out any business or activity that we are not
comfortable with or your risk profile is or becomes outside of our risk appetite.
7.2 If required by us, you shall obtain, keep and retain documents pertaining to the identification of Users, including a valid photographic ID and proof of address selected from a list of permitted documents provided by us. You will make copies of such documents available to us upon request within 24 hours and upload these at the frequency requested by us, to the Juni Platform.
7.3 We may from time to time request you to evidence the sources of funds used to fund the services and you shall make such evidence available to us within 24 hours of request.
7.4 A Card can be used to pay for goods or services from permitted Retailers who display the Card Scheme symbol or acceptance mark. You can use a Card for full or part payment for your purchase in which case you will be required to pay the outstanding amount of the purchase by an alternative means, for example, cash or debit or credit card provided the Retailer accepts a combination of payment methods.
7.5 There must be sufficient available funds in the Account to cover the amount of any Account or Card transaction and any applicable fees which will be deducted from the balance in the Account. If any transaction takes you over available funds in the Account or the Account or Card limits in force the transaction will be declined. We may seek to recover a shortfall on the available funds in the Account to which the Card is connected pursuant to clause 15.
7.6 You must not use the Account or Card (or permit the Account or Card to be used) for:
7.6.1 any prohibited or disabled types of transactions; or
7.6.2 any illegal purposes.
7.7 A Card should not be used in situations where it is not possible for the Retailer to obtain online authorisation to check that there is a sufficient balance on the Card for the transaction. This can include some transactions on trains, ships, and some in-flight purchases.
7.8 We may at any time stop, suspend or restrict the Account, Card or Security Credentials (such as PIN) or refuse to execute an Account or Card transaction if:
7.8.1 we are concerned about the security of or access to the Account, Card, Card details or Security Credentials;
7.8.2 we suspect the Account, Card or Security Credentials are being used in an unauthorised or fraudulent manner;
7.8.3 executing the transaction would breach any limit applicable to the Account and/or Card;
7.8.4 the payment instruction is unclear, illegible, incorrect or incomplete;
7.8.5 you have failed to use the authentication method and/or Security Credentials required;
7.8.6 there are insufficient cleared funds in the Account to cover the amount of the payment and any applicable fees;
7.8.7 we have reasonable grounds to believe that you or a User are not complying with these Terms;
7.8.8 you do not comply with due diligence requirements stated in 3.7 and provide the information requested by us within 72 hours; or
7.8.9 we have reasonable grounds to believe that continued use of the Account, Card or Security Credentials may cause us to break the law, code, rules of the Card Scheme or other duty applicable to us or Juni or might expose either of us to claims from third parties or damage our reputation.
7.9 We will, if possible, inform you before stopping, suspending or restricting the Account, Card or Security Credentials (such as PIN) or refusing to execute an Account or Card transaction that we intend to do so and the reasons for doing this. Where we refuse to execute an Account or Card transaction due to reasons related to factual matters, we will tell you about the procedure for rectifying any factual errors that led to such refusal. If we are unable to inform you beforehand, then we will inform you immediately afterwards. We will not inform you if doing so would compromise reasonable security measures, or it would be unlawful to do so. If the reasons for stopping, suspending or restricting the Account, Card or Security Credentials no longer apply, we will unblock and/or replace them.
8.1 You authorise and consent to a Card transaction when you:
8.1.1 enter a PIN or provide other Security Credentials; or
8.1.2 provide the Card number and/or any other Security Credentials as requested.
8.2 The authorisation of Card transactions can be for a single transaction or a series of recurring transactions on a Card (where you give Card details to the Retailer to be used for Card payments in the future).
8.3 We will execute Card transactions as soon as we receive the transaction request. The time of receipt of a transaction request is when it is received by us, which may be the time you consent to the transaction, or the time we receive the request for the recurring Card payment you have previously authorised with the Retailer.
8.4 You cannot stop a Card transaction after the transaction request has been transmitted to us. You can cancel a recurring Card transaction if you give Customer Services a notice of cancellation no later than the end of the Business day before the payment is due to be executed.
9.1 Insofar this functionality is made available to you, you may use the Account to make bank transfers, subject to and in accordance with these Terms.
9.2 When you (or a User) instructs a payment from the Account, you must provide correct and complete recipient details and a reference for the payment and any other information requested by us in order for a payment instruction to be properly initiated or executed. Typically, this means the recipient’s name, account number and sort code and payment reference. For international transfers, we may need additional information, such as IBAN. We may also ask you to provide such additional information and evidence as we may reasonably require, including but not limited to the details of the beneficiary and the reason for payment. If you (or a User) provides us with incorrect or incomplete information or refuses to provide information or evidence, we may refuse to execute the payment, the funds could be lost and irrecoverable or there could be a delay in the recipient receiving the payment.
9.3 We will execute the payment on the same Business Day that we receive the instruction to do so or on the future date as instructed by you (or a User) if this date is in the future (and in this case the instruction will be deemed to have been received on that date). If we receive the instruction on a day that is not a Business Day or after the relevant cut-off time for receiving a certain instruction on a Business Day, the instruction will be deemed to be received (and will be executed) on the following Business Day. The table below sets out whether and what cut-off times apply with respect to each type of payment from Account:
9.4 You are not able to revoke a payment instruction once we have received it.
9.5 You shall be deemed to have authorised and consented to a payment from the Account when you (or a User) gives an instruction:
9.5.1 via the Juni platform; or
9.5.2 through a third-party (such as a TPP, providing a payment initiation service).
9.6 You (or a User) may be required to provide appropriate Security Credentials depending on the method used to give us instructions.
9.7We may at any time suspend or restrict the use of the Account or refuse to execute payment instructions if:
9.7.1 We are concerned about the security of or access to the Account and/or the Security Credentials;
9.7.2 We know or suspect the Account or Security Credentials are being used in an unauthorised, illegal or fraudulent manner;
9.7.3 The payment instruction is unclear, illegible, incorrect or incomplete;
9.7.4 Executing the instruction would breach any applicable limit in relation to the Account;
9.7.5 You (or a User) have failed to use the authentication method and/or Security Credentials required;
9.7.6 There are insufficient cleared funds in the Account to cover the amount of the payment and any applicable fees;
9.7.7 We have reasonable grounds to believe that you (or a User) are not complying with these Terms; or
9.7.8 Carrying out the instruction may cause us or Juni to break the law, code or other duty applicable to any of us or might expose any of us to claims from third parties or damage ours or Juni’s reputation.
9.8 If we refuse to execute a payment instruction, or suspend or restrict the Account, we will, provided it would not be unlawful to do so, notify you using the contact details held by us as soon as possible (or in advance, where possible) and will provide reasons and, where those reasons relate to factual matters, the procedure for rectifying any factual errors that led to such refusal or suspension, cancellation or restriction. If the reasons for suspension or restriction of the use of the Account no longer apply, we will unblock it and/or replace any relevant Security Credentials.
10.1 The following applies with respect to Cards:
10.1.1 The Card can be used for transactions which are not in the currency of the Card and a fee may be applied for doing so. Applicable fees are outlined in the Summary Box and/or on the Pricing Page.
10.1.2 A Card transaction made in a currency other than the currency of the Card will be converted to the currency of the Card by the Card Scheme at a rate on the date the Card Scheme processes the payment using the Card Scheme reference rate (available at Mastercard Currency Converter Calculator).
10.1.3 The Card Scheme rate is not set by us and may change. The exchange rate which applies on the date that a Card transaction is made may not be the same as the exchange rate used on the date the transaction is settled. The online statement that can be downloaded on the Juni Platform will show the exchange rate and any fee applied.
10.2 The following applies with respect to Accounts:
10.2.1 Payments into or from the Account in a currency other than the currency of the Account will be converted by us using an exchange rate made up of a
reference rate (available at www.xe.com) and any applicable currency conversion fee as set out on the Pricing Page.
10.2.2 If you move funds between your own Accounts in different currencies, a fee may be applied to each such transfer as outlined on the Pricing Page.
10.3 We or Juni are not required to provide any information on foreign currency transactions other than what is described in this clause 10.
We or Juni will make information about the available balance on your Account and transactions to and from the Account available online through the Juni Platform. You can also check this information by contacting Customer Services. You should carefully review all transaction information regularly.
A Card’s expiry date is stated on the Juni Platform. A Card cannot be used for transactions after its expiry date.
13.1 You can redeem all or part of the value of e-money in the Account at any time by requesting a bank transfer to a bank account in your name.
13.2 After receiving your redemption request, we will pay the corresponding sums to your bank account and update the balance of your Account without delay. Where necessary and in order to process your redemption request, we may ask you to provide us with documents, evidence or other information to verify your identity to enable us to comply with applicable legal and regulatory requirements.
13.3 We or Juni may at our discretion charge you a redemption fee if you request redemption more than one (1) year after the date of termination or expiry of these Terms. The applicable redemption fee is set out on the Pricing Page. The redemption fee may change over time and you can find out the rates applicable at any time on the Pricing Page.
14.1 You hereby agree that your non-payment of any matured obligation or fees due under or in connection with this Agreement or a Credit Agreement, may be considered as a request by you to redeem a corresponding amount of your issued e-money to the nominal amount in the same currency as the matured obligation of fee due.
14.2 Following your redemption request per clause 14.1, we may set off any matured obligation due to us, Juni or a company in the same group as Juni, against such redeemed funds due to you, and will update the balance of your Account without delay. In these circumstances, a currency conversion may be required at your cost, using the market rate of exchange that we use in our normal course of business for the purpose of the set-off.
14.3 You acknowledge and agree that B4B, Juni or a company in the same group as Juni may, respectively, assign their right to set-off pursuant to this clause 14 to each other. Your consent is not required for any such assignment.
16.1 If for any reason whatsoever, a shortfall on the available funds in the Account arises because a transaction is completed when there are not enough available funds in the Account for that transaction, including any associated fees, you must reimburse the amount of the shortfall immediately upon our request. We may charge the amount of the shortfall to any Account held by you. We may also suspend your Account and Card until we are reimbursed the amount of any shortfall and we reserve the right to recover the value of any shortfall from you by any other legal means.
16.2 We may cancel these Terms pursuant to clause 19 if you fail to pay amounts owed to us pursuant to clause 15.1.
17.1 We will not be liable to you or a User under or in connection with these Terms (whether in contract, tort (including negligence), breach of statutory duty or otherwise):
17.1.1 for any direct or indirect loss or damages resulting from (i) loss of use, (ii) loss of data, (iii) loss of profits, (iv) loss of goodwill, (v) loss of business arising out of or in connection with these Terms; or (vi) for other special, incidental, indirect or consequential losses or damages howsoever arising;
17.1.2 any unauthorised transaction where you acted fraudulently or where, with intent or gross negligence, you failed to use your Account or Card in accordance with these Terms or any terms applicable to the use of the Card (including your obligation to keep your Account, Card and Security Credentials safe);
17.1.3 any transaction which we executed in accordance with information that you provided to us where it transpires that the information you provided to us was incorrect (although we shall make reasonable efforts to recover the funds involved in that transaction);
17.1.4 any abnormal or unforeseeable circumstances outside of our control, where we could not have avoided those consequences even though we made all efforts to do so;
17.1.5 for any person, including any Retailer, refusing to accept or honour (or delays in accepting or honouring) your Card or Security Credentials;
17.1.6 for any cash dispenser failing to issue cash. We will not be liable for the way in which you are told about any refusal or delay;
17.1.7 for the quality, safety, legality, or any other aspect of any goods or services purchased using the Account and/or Card;
17.1.8 any failure of your technical equipment, software or other services or that of a third party which are required for successful technical execution of any transaction and over which we have no control;
17.1.9 business interruption;
17.1.10 loss of revenue, reputation, goodwill, opportunity or anticipated savings;
17.1.11 any loss or damage which does not stem directly from our breach of these Terms; or
17.1.12 in instances where we are acting on the instructions of Juni or a companyin the same group as Juni.
17.2 For the avoidance of doubt, we will not be liable to you or a User under or in connectionwith a Credit Agreement (whether in contract, tort (including negligence), breach ofstatutory duty or otherwise) for any loss or cost borne by you or a User.
17.3 Nothing in these Terms shall limit our liability for:
17.3.1 death or personal injury caused by negligence, or the negligence of our personnel, agents or subcontractors;
17.3.2 fraud or fraudulent misrepresentation; or
17.3.3 any other liability which cannot be limited or excluded by law.
17.4 We will make reasonable efforts to make your Account and any Card available to you, but we will not be liable to you for any loss or damage arising if they are unavailable at any time, or if access is interrupted.
17.5 Other than the losses set out in clauses 16.1 and 16.3 above (for which we are not liable) and subject to clause 16.2, our maximum aggregate liability under or in connection with these Terms whether in contract, tort (including negligence) or otherwise, shall in all circumstances be limited to a sum equal to £100 in any twelve
(12) month period.
17.6 We do not warrant or promise that the Account and/or any Card will meet your requirements or that the operation of the Account and/or any Card will be uninterrupted or error free or that the Juni Platform will be free from any viruses, corrupted files, Trojan horses, or any other similar software or programs that may be used to access, modify, delete or damage any data files or other computer programs used by you or that defects in the Account and/or the Juni Platform will be corrected (although we or Juni will endeavour to help you where we can if you contact Juni through Customer Services).
17.7 You are responsible for configuring your information technology, computer programmes and platform in order to access the Juni Platform. You should use your own virus protection software. You shall use the Juni Platform at your own risk.
17.8 We will not be liable for any loss or damage caused by a virus, distributed denial-of-service attack, or other technologically harmful material that may infect your computer or other device or equipment, computer programs, data or other proprietary material due to your use of the Juni Platform.
18.1 Juni won’t be responsible for any direct or indirect loss of income or profit, loss of goodwill or damage to reputation, loss of business contracts or opportunities, loss of anticipated savings, or consequential loss by you or a User as a direct or indirect result of delays, disruptions, faults, or inaccuracies from Juni’s services, including, but not limited to, the Juni Platform.
18.2 Juni will not be responsible for any loss or cost borne by you or a User which may be incurred as a direct or indirect result of:
18.2.1 Juni implementing changes to its services resulting from laws, rules, regulations, orders, directives and other requirements issued by any legislative body or regulatory body as may be applicable to you, a User, B4B Payments UK or Juni (including any respective affiliates);
18.2.2 incorrect or incomplete information provided by you or a User to Juni or B4B Payments UK;
18.2.3 your fraudulent actions or gross negligence;
18.2.4 a virus, malware, phishing, or other technological attacks or harmful material that may infect your IT equipment and infrastructure;
18.2.5 a fraudulent act by a third party;
18.2.6 any fees applied by third parties, such as banks, for using their facilities or services, or other charges that arise from an underlying transaction; or
18.2.7 anything a third party does or fails to do.
19.1 We may make changes to these Terms, including fees and charges, or introduce new terms for reasons including, without limitation:
19.1.1 changes to the products or services or introducing new products or services under these Terms;
19.1.2 withdrawal of a particular part of our or Juni’s products or services;
19.1.3 changes in market conditions or operating costs that affect us or Juni;
19.1.4 changes in technology, our or Juni’s systems and/or payment methods;
19.1.5 making these Terms clearer or more favourable to you; or
19.1.6 changes in relevant laws or regulations (including any applicable industry codes or rules).
19.2 Unless we are permitted or required to make changes to these Terms sooner in accordance with applicable law, we will give you thirty (30) calendar days' prior written notice before any changes to these Terms come into effect.
19.3 We or Juni may make immediate changes to the exchange rates used to convert Account and/or Card transactions in a currency other than the currency of the Account where such exchange rates are based on a reference rate we or Juni have disclosed to you or where the changes are more favourable to you.
19.4 You will be deemed to have accepted any change to these Terms unless you notify us of any objection before the date the change takes effect by notifying Customer Services.
19.5 If you do not agree to the changes to these Terms, you can terminate these Terms and cancel the Account and any Card free of charge by notifying us before the date the change takes effect. If you do so, you can request the return of the remaining balance in the Account in accordance with clause 13 of these Terms.
19.6 If we change these Terms, the new version of these Terms will be available at the Terms and Conditions Portal from the date the change takes place.
20.1 You may cancel the Account at any time by giving at least thirty (30) calendar days’ prior written notice to support@juni.co.
20.2 We may terminate these Terms at any time by giving you thirty (30) calendar days' prior written notice.
20.3 We may terminate these Terms, in whole or in part, close your Account and cancel any Card with immediate effect if:
20.3.1 you fail to pay any amounts due to us or Juni under these Terms within thirty (30) days of the due date for payment;
20.3.2 you fail to provide identity information or documents as required by to carry out the checks in accordance with Clause 7.2;
20.3.3 you fail to provide evidence of source of funds in accordance with Clause 7.3;
20.3.4 you provide false information to us at any time;
20.3.5 you break any important term of these Terms and (where remediable) fail to remedy that breach within thirty (30) days after being notified in writing to do so;
20.3.6 we reasonably believe that continuing to permit use of the Account and/or Card may cause us or Juni to breach any applicable law, code or other duty that applies to us or Juni or expose us or Juni to any adverse action, censure, fine or penalty from any regulatory body, law enforcement or other governmental agency or the Card Scheme;
20.3.7 we are required to do so in order for us or Juni to comply with any applicable law or code or by a regulatory body; or
120.3.8 we reasonably believe or suspect that the Account and/or Card is being used for a purpose that is unlawful (which may include, without limitation, receiving the proceeds of crime into the Account) or that you have committed or attempted to commit fraud or other illegal activity.
20.4 If these Terms are terminated for any reason, the Account will be closed and any Card will be cancelled, and you and any User will not be able to use the Account or Card. You will be liable for any transactions made using your Account and/or Card but not yet processed before the date of cancellation. You can request the return of any remaining balance in the Account in accordance clause 13 of these Terms.
20.5 Termination of these Terms will not affect:
20.5.1 the accrued rights, obligations and/or liabilities at the date of termination; or
20.5.2 the coming into force or the continuance in force of any provision which is expressly or by implication intended to come into or continue to be in force on or after termination.
21.1 Fees will apply to the Account and any Cards as set out in the Pricing Page. By applying for your Account and accepting these Terms, you agree to pay the applicable fees relating to your use of the Account and any Card as outlined in the Pricing Page which may change from time to time.
21.2 You agree that Juni may charge applicable fees that apply to your Account and Card to an Account designated by you. In certain cases, we may instead send you an invoice for applicable fees. Such invoice will be provided through the Juni Platform and/or by email. Unless indicated otherwise in the invoice, you shall pay the full amount specified in each invoice provided to you within fourteen (14) calendar days of receipt in accordance with the instructions contained in the invoice for value on the due date at the time and in such funds and currency as specified by Juni. Any payment which is due to be made on a day that is not a Business Day shall be made on the next Business Day in the same calendar month (if there is one) or the preceding Business Day (if there is not).
22.1 We or Juni can delay enforcing rights under these Terms without losing them.
22.2 If we or Juni cannot enforce any clause or sub-clause of these Terms, it will not affect any of the other clauses or sub-clauses or the other part of the clauses or sub-clauses in these Terms.
22.3 These Terms are governed by the law of England and Wales. The language of these Terms is English and you agree that all notices and information given under these Terms will be in English.
22.4 If necessary, you must tell the tax authorities about any incentives or other benefits you have received from B4B or Juni such as in connection with promotions or other marketing campaigns. You will have to pay for any taxes or other charges which are charged as a result.
23.1 If you would like to make a complaint with respect to any services or issues in connection with these Terms, you can do so by contacting Customer Services. We have procedures in place to make sure that we handle complaints fairly and quickly which are available at Complaints Policy. We will provide you with a copy of our complaints procedure if you ask us or if we receive a complaint from you.
23.2 In most cases we will provide a full response to your complaint about your Account and/or Card or the service we provide under these Terms within fifteen (15) Business Days of receiving your complaint. In exceptional circumstances, where we are not able to respond to your complaint in full, we will inform you of this giving reasons for the delay and the timeframe within which you will receive a full response, which in any event will be within thirty-five (35) Business Days of the date we received your complaint.
23.3 If we do not resolve your complaint, you may be able to refer it to the UK Financial Ombudsman Service. You can contact the UK Financial Ombudsman: by telephone on: from inside the UK: 0300 123 9123 or 0800 023 4567; from other countries: +44 20 7964 0500 on Monday to Friday, 8am to 5pm and on Saturday, 9am to 1pm; by post at The Financial Ombudsman Service, Exchange Tower, London E14 9SR, or by email: complaint.info@financial-ombudsman.org.uk. The UK Financial Ombudsman Service is also available in a number of different languages and if you need it you will be put in touch with a translator when you contact the UK Financial Ombudsman Service.
Any personal information we and/or Juni collects about you from time to time in connection with these Terms will be kept, used and may be disclosed to third parties in accordance with the Privacy Policies
25.1 You can choose to allow a TPP to access information from your Account to provide an account information service to you (i.e. an online service which accesses one or more of your online payment accounts to provide a consolidated view of such accounts), provided the TPP is authorised by the Financial Conduct Authority or another European regulator to provide the account information services and you have given your explicit consent to that TPP.
25.2 Some TPPs may use your Security Credentials in order for them to provide account information services. We will treat any instruction from a TPP as if it was made by you. You should always consider the implications of sharing Security Credentials. If you are thinking of using a TPP, you should check if the TPP is authorised by an appropriate regulator.
25.3 We can deny access to a TPP to the Account if we’re concerned about unauthorised or fraudulent access by such TPP. We will notify you of the denial of access and the reasons for it beforehand if possible or otherwise immediately afterwards unless doing so would compromise our security measures or would be unlawful.
26.1 We or Juni can communicate with you (including to provide any information or notifications in relation to these Terms) using any of the following methods:
26.1.1 by email;
26.1.2 by notifying you on the Juni Platform;
26.1.3 by telephone (including by sending you an SMS); or
26.1.4 by writing to your registered or correspondence address.
26.2 We or Juni may need to contact you urgently in the event of actual or suspected fraud or security threats to the Account, Card and/or Security Credentials. To do so, we may use an SMS, telephone, post or another secure procedure. When we or Juni contact you, we will also give you information on how you can minimise any risk to the Account, Card or Security Credentials depending on the nature of the security threat.
26.3 We and Juni will use the contact details you most recently gave us when contacting you. You must inform Customer Services immediately if your personal details or contact information changes. You can update your contact information on the Juni Platform.
27.1 You can contact Juni at Customer Services to provide any information or notification in relation to these Terms using any one or more of the methods and contact details listed below. Where we have specified in these Terms that you should contact us using a specific method, you should use that method. The contact methods and details are:
27.1.1 write to us at Customer Inquiries, c/o Juni Financial Ltd, Suite 1, 7th Floor, 50 Broadway, London, SW1H 0BL; or
27.1.2 email us at support@juni.co.
27.2 We or Juni will tell you if for some reason any of these communication methods are not available. We or Juni will also tell you if they need any technical requirements or software to communicate with us.
You may not assign your rights or obligations under these Terms to a third party. You are liable for any obligations under these Terms until the Account and any Cards are terminated and any sums due under these Terms have been paid by you in full. B4B Payments UK may assign its rights or obligations under these Terms to Juni or a company in the same group as Juni without your prior consent but will provide you with prior written notification.
SUMMARY BOX
