1.1 These terms and conditions (“Terms”) apply to the use of a Card and form part of a legal agreement between us and: (i) the Customer to whom the Card is issued; and (ii) you, the card user permitted by the Customer to use the Card. In applicable parts, these Terms also form part of a legal agreement between you and Juni. By using the Card, 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 Card and electronic money (“e-money”) on the Account to which the Card is connected are issued 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.
“Account Terms and Conditions (UK)” means the agreement between B4B Payments UK, the Customer and, in applicable parts, Juni concerning the provision of Accounts, issuance of e-money and Cards to the Customer and related services. The Account Terms and Conditions (UK) are applicable to Customers incorporated in the UK.
“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 Mastercard® Corporate Card issued to the Customer subject to these Terms in virtual form and which is connected to an Account.
“Card Scheme” means Mastercard.
“Customer” means a customer of B4B Payments UK that holds an Account to which the Card is connected.
“Customer Services” means Juni’s customer services team that you can contact via the methods set out in clause 22.
“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 UK’s 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 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 Card (including through the Juni Platform) and/or to make transactions using the Card, which may include username, password or passcode, security question and answer, biometric details such as fingerprint, Card number, PIN or Card and signature, as B4B Payments UK 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 Card;
“Terms and Conditions Page” means https://www.juni.co/terms-and-conditions. “UK” means the United Kingdom.
“we / us / our” means B4B Payments UK.
“you / your” means any individual who is permitted to use the Card by the Customer.
3.1 To use the Card, you must be a person duly authorised to use the Card by the Customer and at least 18 years old. We may cancel the Card and stop providing associated services if we find out you were not eligible to use it.
3.2 Only the Customer may apply for Cards in accordance with the terms of the Account Terms and Conditions (UK). We may ask to see the evidence our Customer holds to check who you are and where you live or we may require documentary evidence from you to prove this and/or we may carry out checks on your identity electronically. We may also carry out checks on your identity 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.
4.1 The Card and any e-money issued into the Account are issued to the Customer only. The Customer has permitted you to use the Card on its behalf subject to and in accordance with these Terms. Other than as set out in these Terms, you have no rights to the Card or e-money issued into the Account.
4.2 You must not allow any other person to use the Card.
4.3 The Card is a Mastercard Corporate Card.
4.4 The Account to which the Card is connected is an e-money product, and as such the funds in the Account are not covered by the Financial Services Compensation Scheme. Interest will not be earned on any funds in the Account to which the Card is connected.
4.5 The currency of the Card will be visible to you on the Juni Platform. All references to that currency in these Terms are relevant to you.
4.6 Financial and other limits may apply in relation to the Card (for example, 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 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 Card to make transactions and/or access information on the Card. You must take all reasonable steps to keep the 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 to use the Card and/or other devices which may be used to access the Card or Security Credentials (such as your mobile phone where you keep 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 the Customer or you believe that someone else has used or otherwise has unauthorised access to the Card or Security Credentials (for
example, if the 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 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 We can, at our discretion, define the Retailer types, the specific reasons for which you may use the 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.
6.2 The Card is a Mastercard Corporate Card product which can be used to pay for goods or services from permitted Retailers who display the Card Scheme symbol or acceptance mark. Please refer to Juni’s FAQ for further details (https://www.juni.co/faq). You can use the 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. t or credit card provided the Retailer accepts a combination of payment methods.
6.3 There must be sufficient available funds in the Account to which the Card is connected to cover the amount of any Card transaction for a Card linked to that Account and any applicable fees which will be deducted from the balance in that Account. If any transaction takes you over available funds in the Account or the 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 12.
6.4 You must not use the Card (or permit the Card to be used) for:
6.4.1 any prohibited or disabled types of transactions; or
6.4.2 any illegal purposes.
6.5 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 in the Account to which the Card is connected for the transaction. This can include some transactions on trains, ships, and some in-flight purchases.
6.6 We may at any time stop, suspend or restrict the Card or Security Credentials (such as PIN) or refuse to execute a Card transaction if:
6.6.1 we are concerned about the security of or access to the Card, Card details or Security Credentials;
6.6.2 we suspect the Card or Security Credentials are being used in an unauthorised or fraudulent manner;
6.6.3 executing the transaction would breach any limit applicable to the Card;
6.6.4 you have failed to use the authentication method and/or Security Credentials required;
6.6.5 we have reasonable grounds to believe that you are not complying with these Terms; or
6.6.6 we have reasonable grounds to believe that continued use of the Card or Security Credentials may cause us or Juni to break the law, code, rules of the Card Scheme or other duty applicable to us or Juni or might expose us or Juni to claims from third parties or damage our or Juni’s reputation.
6.6.7 we’re instructed to do so by Juni upon your non-payment or late payment of any matured obligation or fees due under or in connection with these Terms or a Credit Agreement or if you otherwise fail to comply with any of the terms of a Credit Agreement.
6.7 We will, if possible, inform the Customer before stopping, suspending or restricting the Card or Security Credentials (such as PIN) or refusing to execute a Card transaction that we intend to do so and the reasons for doing this. Where we refuse to execute a Card transaction due to reasons related to factual matters, we will also tell the Customer about the procedure for rectifying any factual errors that led to such refusal. If we are unable to inform the Customer beforehand, then we will inform them immediately afterwards. We will not inform the Customer where doing so would compromise reasonable security measures, or it would be unlawful to do so. If the reasons for stopping, suspending or restricting the Card or Security Credentials no longer apply, we will unblock and/or replace them. We may also inform you of the matters set out in this clause if instructed to do so by the Customer.
7.1 You authorise and consent to a Card transaction when you:
7.1.1 enter a PIN or provide other Security Credentials; or
7.1.2 provide the Card number and/or any other Security Credentials as requested.
7.2 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).
7.3 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.
7.4 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.
8.1 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 on the Pricing Page.
8.2 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 it processes the payment using the Card Scheme reference rate they use (available at Mastercard Currency Converter Calculator).
8.3 The Card Scheme rate is not set by us or Juni 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 it is converted and deducted from the balance of the Account to which the Card is connected. The online statement that can be downloaded on the Juni Platform will show the exchange rate and any fees applied.
8.4 We or Juni are not required to provide any information on foreign currency transactions other than what is described in this clause 8.
9.1 We or Juni will make information about the available balance in the Account to which the Card is connected and transactions executed with the Card available online through the Juni Platform. You can also check this information by contacting Customer Services. You should carefully review all Card transaction information regularly.
9.2 As the e-money in the Account to which the Card is connected belongs to the Customer, the Customer will be provided Card transaction information and can download statements from the Juni Platform in accordance with the terms of the Account Terms and Conditions (UK).
The Card’s expiry date is stated on the Juni Platform. The Card cannot be used for transactions after its expiry date.
12.1 If for any reason whatsoever, a shortfall on the available funds in the Account to which the Card is connected arises because a Card transaction is completed when there are not enough available funds in the Account for that transaction including any associated fees, you or the Customer must reimburse the amount of the shortfall immediately upon our request. We may charge the amount of the shortfall to any Account held by the Customer. We may suspend the Cards until we are reimbursed the amount of such shortfall and we reserve the right to recover the value of shortfall from you by any other legal means.
12.2 We may cancel these Terms pursuant to clause 16 if the Customer fails to pay amounts owed to us pursuant to clause 12.1.
13.1 Nothing in these Terms shall limit our or your liability for:
13.1.1 death or personal injury caused by negligence, or the negligence of the relevant party’s personnel, agents or subcontractors;
13.1.2 fraud or fraudulent misrepresentation; or
13.1.3 any other liability which cannot be limited or excluded by law.
13.2 Our liability to the Customer under or in connection with these Terms (whether in contract, tort (including negligence), breach of statutory duty or otherwise) shall be subject to the exclusions and limitations of liability set out in the Account Terms and Conditions (UK).
13.3 We will not be liable to you under or in connection with these Terms (whether in contract, tort (including negligence), breach of statutory duty or otherwise):
13.3.1 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;
13.3.2 for any delay, interruption or failure to fulfil our obligations under these Terms which arises due to any abnormal or unforeseeable circumstances outside our reasonable control (for example, a failure of computer systems which happens for reasons outside our reasonable control or any industrial action which happens for reasons outside our reasonable control);
13.3.3 for any person, including any Retailer, refusing to accept or honour (or delays in accepting or honouring) the Card or Security Credentials;
13.3.4 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; or
13.3.5 for the quality, safety, legality, or any other aspect of any goods or services purchased using the Card.
14.1 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 the Customer as a direct or indirect result of delays, disruptions, faults, or inaccuracies from Juni’s services, including, but not limited to, the Juni Platform.
14.2 Juni will not be responsible for any loss or cost borne by you or the Customer which may be incurred as a direct or indirect result of:
14.2.1 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, the Customer, B4B Payments UK or Juni (including any respective affiliates),
14.2.2 incorrect or incomplete information provided by you or the Customer to Juni or B4B Payments UK,
14.2.3 your fraudulent actions or gross negligence,
14.2.4 a virus, malware, phishing, or other technological attacks or harmful material that may infect your IT equipment and infrastructure,
14.2.5 a fraudulent act by a third party,
14.2.6 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
14.2.7 anything a third party does or fails to do.
15.1 We may make changes to these Terms, including fees and charges, or introduce new terms for reasons including, without limitation:
15.1.1 changes to the products or services or introducing new products or services under these Terms;
15.1.2 withdrawal of a particular part of our or Juni’s products or services;
15.1.3 changes in market conditions or operating costs that affect us or Juni;
15.1.4 changes in technology, our or Juni’s systems and/or payment methods;
15.1.5 making these Terms clearer or more favourable to you; or
15.1.6 changes in relevant laws or regulations (including any applicable industry codes or rules).
15.2 Unless we are permitted or required to make changes to these Terms sooner in accordance with applicable law, we will give thirty (30) calendar days' prior written notice to the Customer before any changes to these Terms come into effect. It is the Customer’s responsibility to communicate any such changes to you.
15.3 We or Juni may make immediate changes to the exchange rates used to convert Card transactions in a currency other than the currency of the Card 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.
15.4 You and the Customer will be deemed to have accepted any change to these Terms unless the Customer notifies us of any objection before the date the change takes effect by notifying Customer Services.
15.5 If the Customer does not agree to the changes to these Terms, the Customer can terminate these Terms and cancel the Card free of charge by notifying Customer Services before the date the change takes effect.
15.6 If we change these Terms, the new version of these Terms will be available at the Terms and Conditions Page from the date the change takes place.
16.1 If you change your mind about using the Card, you can cancel it on the Juni Platform or by contacting Customer Services. You will not be charged for cancelling a Card.
16.2 We may terminate these Terms at any time by giving the Customer thirty (30) calendar days’ prior written notice. It is the Customer’s responsibility to communicate any such termination of the Terms to you.
16.3 The Customer can terminate these Terms by giving at least thirty (30) calendar days’ prior written notice to Customer Services.
16.4 We may terminate these Terms and cancel the Cards with immediate effect if:
16.4.1 we terminate the Account Terms and Conditions (UK) in accordance with its terms;
16.4.2 the Customer fails to pay any amounts due to us or Juni under these Terms or the Account Terms and Conditions (UK) within thirty (30) days of the due date for payment;
16.4.3 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;
16.4.4 we reasonably believe that continuing to permit use of the 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;
16.4.5 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;
16.4.6 we reasonably believe or suspect that the Card is being used for a purpose that is unlawful or that the Customer or you have committed or attempted to commit fraud or other illegal activity.
16.5 These Terms will terminate automatically:
16.5.1 with respect to you, when the last Card you are permitted to use pursuant to these Terms expires and is not replaced in accordance with these Terms;
16.5.2 with respect to the Customer, when the last Card issued to the Customer expires and is not replaced in accordance with these Terms or other terms of the Account Terms and Conditions (UK);
16.5.3 if the Account Terms and Conditions (UK) is terminated for any reason.
16.6 If these Terms are terminated for any reason, the Card will be cancelled, and you will not be able to use it. You will be liable for any transactions made using your Card but not yet processed before the date of cancellation.
16.7 Termination of these Terms will not affect:
16.7.1 the accrued rights, obligations and/or liabilities at the date of termination; or
16.7.2 the coming into force or the continuance in force of any provision which is expressly or by implication intended to come into continue to be in force on or after termination.
Fees will apply to the Card as set out on the Pricing Page which may change from time to time. You further agree that Juni may charge applicable fees that apply to your Card to an Account designated by you.
18.1 We or Juni can delay enforcing rights under these Terms without losing them.
18.2 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.
18.3 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.
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 in the Complaints Policy. The Customer can raise any issues or complaints in connection with these Terms and we will handle such complaints in accordance with the terms of the Account Terms and Conditions (UK).
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.
21.1 We or Juni can communicate with the Customer in relation to these Terms in accordance with and using the methods set out in the Account Terms and Conditions (UK).
21.2 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:
21.2.1 by email;
21.2.2 by notifying you on the Juni Platform;
21.2.3 by telephone (including by sending you an SMS); or
21.2.4 by writing to your registered or correspondence address.
21.3 We or Juni may need to contact you urgently in the event of actual or suspected fraud or security threats to the Card and/or Security Credentials. To do so, we may use an SMS, telephone, post or another secure procedure. When we contact you, we will also give you information on how you can minimise any risk to the Card or Security Credentials depending on the nature of the security threat.
21.4 We and Juni will use the contact details which the Customer or you most recently gave us. You and the Customer (if it has your information) must inform Customer Services immediately if your personal details or contact information changes. You can update your contact information on the Juni Platform.
22.1 The Customer can contact Customer Services in relation to these Terms in accordance with and using the methods set out in the Account Terms and Conditions (UK).
22.2 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:
22.2.1 write to us at Customer Inquiries, c/o Juni Financial Ltd, Suite 1, 7th Floor, 50 Broadway, London, SW1H 0BL; or
22.2.2 email us at support@juni.co.
22.3 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 and/or the Customer may not assign your rights or obligations under these Terms to a third party. You are liable for any obligations under these Terms until 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
