We are Juni Technology AB, Juni Capital Ltd., and Juni Financial Ltd. (‘Juni’, ‘we’, ‘our’, ‘us’) and operate under the business name Juni. Juni Technology AB is registered with the Swedish companies register (registration number 559248-0908), at Masthamnsgatan 21, 413 28 Gothenburg, Sweden, and Juni Capital Ltd and Juni Financial Ltd. with the Companies House (registration number 13687134 and 13687140 respectively), at Suite 1, 7th Floor, 50 Broadway, London SW1H 0BL, United Kingdom. In the UK, we are registered with the UK data protection authority (Information Commissioner’s Office or ICO) under number ZB260204 for Juni Financial Ltd. and ZB267576 for Juni Capital Ltd.
Under data protection law, we are a data controller regarding the personal data we receive from or collect about you. We are responsible for ensuring that your personal data is processed in compliance with applicable data protection laws in the EU, European Economic Area (EEA) and the UK, such as Regulation 2016/679 (‘General Data Protection Regulation’).
This Privacy Policy describes what information Juni collects about you and how Juni uses your personal data when reaching out to you, when you open an account with us, use the Juni platform, our cards, app or website www.juni.co or our credit lines. This Privacy Policy also describes your rights in relation to our use of your personal data, and how to exercise them.
Juni is committed to protecting and respecting your privacy and personal data. If you have any questions or concerns about our Privacy Policy or practices regarding your personal data, please contact us at privacy@juni.co.
When we use the term personal data, we use it in reference to any information which can be used to personally identify you (for example, a combination of your name and postal address). Personal data does not include information about a business that can not be used to personally identify a natural person.
If you give us personal data concerning other people (like Directors, owners, or employees), you confirm that you’ve been authorised by them to disclose this information, and that they understand how we will use their personal data.
Please read this Privacy Policy carefully, as it will help you make informed decisions about sharing your personal data with us.
In short: Juni will collect and use specific types of information about you at different times. We will collect personal data when you interact with us (for example through our website, app or the Juni platform), if you have an account with us, use a service that integrates with Juni, sign-up for and use the Juni payment services, create an application for credit and when you interact with our representatives. In some cases, we will also collect information about you from third parties.
Information we collect from third parties
Our sales team may collect certain information from third parties prior to contacting you. This may include:
Juni may collect personal data from publicly available sources, such as official public records and information published in the press or on social media, for enhanced due diligence checks, KYC purposes and market research.
In short: Juni will only collect and process your personal data if we have a legitimate reason to do so. We always rely on one of the following legal bases when we use your personal data: contractual obligations, legal obligation, legitimate interest, consent, and substantial public interest.
To meet our contractual obligations towards you and to be able to offer you our services, Juni needs to process certain personal data.
In some cases, Juni needs to collect and retain your personal data to comply with applicable laws and regulations. For example, we must keep certain personal data about our customers to meet legal obligations imposed by anti-money laundering legislation.
Juni might use this legal basis to pursue our legitimate interest to collect and process your personal data, or share it with other organisations, provided that our legitimate interests are not overridden by your interests, rights, or freedoms.
This legal basis applies when you have affirmatively consented to Juni collecting or processing your personal data, e.g. by ticking a consent box. In cases where Juni processes personal data based on your consent, you reserve the right to revoke this consent at any time. For more information, please refer to section 8 (How to exercise your rights).
Sometimes Juni will collect your personal data to perform a task in the public interest that is set out in law.
In short: Juni uses your personal data to carry out our operations smoothly and offer you our services, to ensure we meet all our contractual obligations, to keep both our customers and Juni safe and secure, and to comply with all applicable regulations.
We will use your personal data for administrative purposes, including tax administration; auditing; reporting and accounting functions; statistical analysis and market research; and market, regulatory and operational risk management.
In these instances, Juni will process your personal data under legal obligation (in regard to tax administration, auditing, reporting and accounting), legitimate interest (in regards to market, regulatory and operational risk management) and consent (in regards to statistical analysis and market research).
When you apply to open an account with us, Juni will use the personal data you provide to verify your identity and make a decision on your application. The legal grounds for processing your data in this case will be our legal obligation.
We also use your personal data to ensure we can continue to promptly offer our services. For example, we will use your personal data to properly execute transactions, such as payments with your Juni card, payments into or out of your Juni account or cash withdrawals. Lastly, Juni will use your personal data to assist you when you contact customer support.
In these instances, Juni will process your personal data to fulfil a contractual obligation.
Juni and our third-party partners may use your personal data to send you marketing and commercial communications regarding our services, in accordance with your selected preferences. You can opt-out of our marketing communications at any time by emailing our privacy team at privacy@juni.co. For more information on how to exercise your rights, please see section 8 (How to exercise your rights).
We may also use your personal data to develop content and display it to you, as well as to track, analyse and improve our ads. Additionally, we may process your
data to provide you with additional commercial offerings and benefits. We may also anonymize and aggregate your personal data, which will then be used to further improve our products and services.
For the above purposes, we will process your information based on our legitimate interest to understand how to market our services to you and improve Juni.
With your consent, we may record our phone calls with you for training and performance review purposes. We will be processing this data on the legal basis of consent.
Juni will use your personal data to manage www.juni.co and the Juni platform and app. For example, we may use your personal data to perform statistical or data analysis, testing, or research purposes and to ensure that we continue improving your experience and the content that is presented to you.
The legal basis for processing your personal data to manage and improve the Juni platform and app will in general be our legitimate interest in ensuring our ability to efficiently fulfil our contractual obligations towards you and provide you with the best experience when using our product.
The legal basis for processing your personal data through cookies necessary for the functioning of our platform and app is Juni’s contractual obligation, as outlined in the terms of your engagement with the Juni card and/or platform. Regarding the information collected through analytical or marketing cookies, Juni’s legal basis for processing your personal data is consent.
For more information, please see our Cookies Policy.
When you access our guest WiFi wireless internet service in one of our offices, Juni will use your personal data to manage the WiFi wireless internet services, to prevent fraud and to detect, prevent and diagnose potential security beaches.
The legal basis for processing this information will be Juni’s legitimate interest, namely to provide WiFi wireless internet services in our offices.
Occasionally Juni might need to share your personal data in cooperation with legal authorities and/or third parties in the investigation of a suspected or alleged crime or civil wrongdoing. In these cases, Juni will process your personal data based on our legal obligation or a substantial public interest.
As a financial services provider, Juni needs to use your information to confirm your identity when you sign up with us, perform checks on your record with fraud prevention and credit agencies, and comply with applicable financial crime laws.
In these cases, Juni will process your personal data based on legitimate interest. We ensure that we only process the personal data necessary to achieve this interest, and that our interest in conducting the processing outweighs your interest not to have your data processed in this manner.
Sometimes Juni will need to share your personal data with our regulators, partners on the basis of whose licence we operate, tax authorities, law enforcement or fraud prevention agencies.
In these cases, Juni will process your personal data based legal obligation or substantial public interest.
Please read Section 7 (Your rights) for more information about your rights regarding our processing activities. For more information about who we share your personal data with, please read section 13 (Who do you share my personal data with?). You can also contact these companies directly to assert your rights under Section 7 with them.
We may need to use your personal data to protect Juni from legal claims and enforce our rights. If we do so, we will be relying on our legitimate interest as it arises in such instances.
We offer the option to connect your Juni account with your Google Account to give you insights into your Google Ads campaign metrics and to create reporting for you based on your Google Ads expenditure. If multiple Google Ads accounts are connected to your Google Account, you can choose which ones you want to connect to your Juni account.
To provide these services, we will need you to give Google permission to share the following data with us:
Juni will be relying on contractual obligation to process this personal data. You can choose to disable the connection to the Juni platform if you no longer wish to provide us access to the above-described information. In such cases, we will erase any data related to your Google Ads Accounts and cease collection of this information from Google.
We enable you to connect your Juni account with your Gmail Account for the purpose of automatically fetching and matching receipts or invoices received in your Gmail account with transactions visible in your Juni account.
To do this, we will ask you to give Google permission to share the following data with us:
We will not process this data for any purpose other than under our contractual obligation to provide you with the services described above. We will only share or transfer this data if (a) it is necessary to provide or improve prominent user-facing features on the requesting app's user interface, (b) to comply with applicable laws, or (c) as part of a merger, acquisition or sale of our assets. The legal basis for this processing would be legal obligation if done to comply with applicable laws, and otherwise legitimate interest.
No individual employed by Juni or our processors will be able to manually read the Gmail email content data unless:
Additionally, we will discard all data received through Gmail integrations except as the data directly relates to the receipts or invoices we match to the transactions.
If you no longer wish to provide us access to the above-described information, you can easily disable connection to the Juni platform. In such cases, we will erase any data related to your Gmail Account and cease any further collection of this information.
Juni's use or transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy, including the Limited Use requirements.
If you proceed with an application for credit with us, we may use your information to obtain credit and identity checks on your business with one or more credit reference agencies (“CRAs”). Juni’s basis for processing this data will be legitimate interest.
To obtain the credit and identity checks, we will supply your business registration number to CRAs, and they will provide us with information regarding your business. CRAs will supply us with public and shared credit information, financial situation and financial history data, and fraud prevention information.
We will use this information to:
To offer you efficient services while achieving accurate, fair, and non-biased outcomes, we may need to engage in automated decision making. As a financial services provider, we use ADM to protect our customers and comply with regulatory and supervisory requirements such as the Anti-Money Laundering Directive (AMLD), which requires the detection and prevention of fraud, terrorism financing and other criminal activity. Juni processes this personal data under the legitimate interest basis. Examples of where Juni employs ADM include:
The types of personal data that are used in these decisions are described in Section 3 (What personal data do you collect about me). More information concerning who we share this personal data with can be found in Section 13 (Who do you share my personal data with?).
You always have the right to object to profiling and automated decisions that significantly affect you or which have legal consequences. You can exercise this right by sending an email to privacy@juni.co or filling out this form. After receiving your objection, a Juni employee will further investigate the decision, taking into account any further information or circumstances you provide.
In short: Under data protection legislation in the UK, EEA, and this Privacy Policy, you may have certain rights, including but not limited to the right to access or manage your personal data, to delete or update it, and to restrict its use.
You have the right to be informed about how Juni collects and processes your personal data. We provide you with this information through this Privacy Policy and by answering your privacy-related questions when you contact us.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
You have the right to find out whether Juni processes your personal data and request a copy of the personal data we hold about you.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
You have the right to have inaccurate or incomplete personal data rectified, and that we supplement your information.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
Under certain circumstances, you may have the right to have your personal data deleted. Examples of when this right may be exercised include when:
Please note that Juni is a regulated financial services provider, and due to our corresponding regulatory responsibilities, we may be unable to grant your request. For more information, please refer to section 15 (How long do you keep my personal data?).
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
In certain circumstances, Juni may agree to restrict or suppress the processing of your personal data. Examples include when:
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
You have the right to request Juni manually review an automated decision made about you if that decision has a legal or similarly significant effect on you. For more information, please refer to section 6 (Profiling and Automated Decision Making(ADM)).
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
If the legal basis we use for the processing of your personal data is consent, you can withdraw your consent at any time. When you withdraw your consent we will stop processing your personal data.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
You have the right to request a copy of the data Juni processes about you to fulfil an agreement with you, or that Juni processes about you based on your consent, in a machine-readable format that you can easily transfer to another recipient.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
You have the right to object to our processing of your personal data when it is based on our legitimate interest. You also always have the right to opt-out of future commercial communications through the unsubscribe link provided in each commercial email. You also have the right to not be contacted by phone regarding Juni’s commercial offerings. Please note that your country may offer a telemarketing do-not-call-list you could also register with.
You can find more information about this right on the Swedish Data Protection website and the UK Information Commissioner’s Office website.
If you wish to exercise your right to access your data, rectify your data, erase your data, or restrict the processing of your data, please fill out this form so we can address your request in an expedient and secure manner.
If you wish to exercise any other rights mentioned in the previous section, you may contact us via chat at Juni or send us an email at privacy@juni.co. Additionally, you may use the same channels to contact us with questions about our Privacy Policy. For security purposes, Juni will ask you to verify your identity when you submit a request.
You have the right to lodge a complaint with your national data protection authority if you are not satisfied with how Juni handles your personal data. A list of all competent data protection authorities in the EU can be found here. In the UK, you can refer the issue to the Information Commissioner’s Office, the UK’s
supervisory data protection authority. In Sweden, you can refer the issue to the Swedish Data Protection Authority.
All personal data is stored on our secure servers (or those of 3rd parties or contractors we employ) in accordance with the General Data Protection Regulation within the EEA. In limited situations, personal data may be temporarily stored outside the EEA. Please see section 12 (Is my personal data transferred internationally?) below. Your rights regarding your personal data (as outlined in section 7, “Your rights”) are not affected by the data being transferred outside of the EEA. The 3rd parties who we share personal data with are outlined in section 13 (Who do you share my personal data with?). For further information about where we store your personal data you can contact us at privacy@juni.co.
In short: We aim to protect your personal data through a system of organisational and technical security measures.
Juni has adopted a series of robust technical and organisational security measures designed to protect your personal data from any unauthorised access, use or disclosure. These measures include anonymization, pseudonymization and encryption of personal data and the creation of access and storage policies. Juni employees also receive data protection and information security training in accordance with data protection legislation.
Although we take all reasonable steps to ensure that your personal data is secure and treated with the highest level of care, we cannot guarantee its security as you transfer it to the Juni platform, website, or other services.
You need to keep your login information to the Juni platform confidential, and accordingly never share it with anyone.
Please note that any data shared on our social network accounts, such as our Facebook Community page, is public. Thus, it can be seen, collected, or used by anyone.
In short: We may transfer, store, and process your information in countries other than your own.
Juni provides an international service which, in some instances, may require transferring, storing, and processing of your personal data in a country outside the UK and EEA. To do so, we have taken all necessary steps to ensure that your data is afforded a level of protection that is essentially equivalent to that guaranteed within the EEA.
For that reason, we will only transfer your data to a third country:
To obtain further information regarding the measures we are taking to protect your data when transferring it outside of the EEA and UK, please reach out to privacy@juni.co.
Information regarding countries which have been deemed to have an adequate level of protection can be found on the EU Commission’s website.
More information regarding the Standard Contractual Clauses that protect your personal data can be found on the Swedish Data Protection Authority’s website.
In short: We do not knowingly collect data from, or market to, children under 13 years of age.
We do not knowingly solicit data from, or market to, children under 13 years of age. By using our services, you represent that you are at least 18 years of age. If we learn that personal data from users less than 18 years of age has been
collected, we will deactivate the account and take reasonable measures to promptly delete such data from our records. If you become aware of any data collection activity from children under the age of 13, please contact us at privacy@juni.co.
In short: We keep your information for as long as necessary to fulfil the purposes outlined in this Privacy Policy, unless otherwise required by law.
To meet our regulatory obligations under anti-money laundering and e-money laws in the UK, we are required to keep your personal data as long as you are using Juni. Additionally, some personal and transactional data must be kept for an additional 5 years after our contract with you is terminated. Occasionally we will have to keep your data for even longer, such as when it is relevant to a potential or ongoing court claim.
To meet our regulatory obligations under anti-money laundering and e-money laws in the EEA, we are required to keep your personal data as long as you are using Juni, and up to 8 years after our contract with you is terminated. In some cases, such as those involving a potential or ongoing court case, we might need to keep your personal data for even longer.
Juni uses cookies to analyse how you use our website. Please read the Cookies Policy for more information about cookies.
Juni will post any changes we make to our Privacy Policy on this page and within the Juni platform. If there are significant changes, we will inform you through email, the Juni platform or our website.