Cashback terms and conditions

1. Introduction

The cashback terms and conditions below (the “Terms”) set out the basis on which you can earn and receive monthly cashback. The Terms, along with our Privacy Policy, Pricing Page, and any other terms and conditions that apply to our services or the services provided to you by any of our partners, form a legal agreement between you, the legal person represented by an authorised representative (“you” and “your”), and Juni Financial Limited (“Juni”, “we”, “us”, “our”). Juni Financial Limited is a limited company with registration number 13687140, and its registered address is Suite 1, 7th Floor, 50 Broadway, London, SW1H 0BL, United Kingdom.

2. How do we calculate your monthly cashback?

Your monthly cashback award will be calculated according to the amount of Eligible Spend you make. From time to time, we may offer you additional cashback which will be subject to separate promotional terms.

3. Cashback on Eligible Spend

We give our customers cashback on all Eligible Spend. By “Eligible Spend” we mean any card purchases, including spend utilising credit provided by Juni or any of its subsidiaries or affiliates subject to applicable terms (“Juni Capital”), and spend utilising your own funds, that you or any additional cardholder(s) on your account make, using a card issued to you by us or any of our partners that we work with to provide services to you. Please note that temporary holds, processing or transaction fees, ATM charges, balance transfers, cash withdrawals, cheque purchase, insurance premiums, interest premiums, interest, default charges, deductions, returns, refunds and other fees and charges don’t count towards Eligible Spend.

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We reserve the right to make the final determination of what constitutes Eligible Spend. The applicable cashback level is (i) set out on our Pricing Page or (ii) a customised level as communicated to you by us. Please note that the cashback level for Eligible Spend utilising Juni Capital and Eligible spend utilising your own funds may differ. In case of conflict between the Pricing Page and a customised level as communicated by us, the latter will prevail.

4. How will you receive your monthly cashback?

The cashback is accumulated monthly and automatically credited to your Juni payment account(s) 30 days after the end of the month where the cashback was accumulated and in the same currency as it was accumulated.

5. Cancelling cashback

To benefit from your monthly cashback award, you must comply with the terms and conditions applicable to the use of the services provided by us or any of our partners (the “Conditions”). If you breach the Conditions, you will not earn any cashback in respect of the month in which the breach occurs. In such cases, we will suspend your cashback and the monthly cashback award will be paid to you after you have complied with the Conditions for an entire month.

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We will cancel any monthly cashback award you would otherwise have earned for the entire monthly statement period if:

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• You have failed to make your monthly minimum payment by the payment due date on any Juni Capital;
• Bankruptcy proceedings have been initiated against you; or
• We suspect that you or any additional cardholders have committed a fraud on the account.

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If your account is closed, either by you or us for whatever reason, any accumulated cashback award not yet credited to your Juni payment account(s) is automatically cancelled.

6. Refunds

If you are given a refund for a purchase, this will be deducted from the Eligible Spend used to calculate the value of your monthly cashback award.

7. General

If necessary, you must tell the tax authorities about any benefits you have received under the cashback scheme. You will have to pay for any taxes or other charges which are charged as a result.