Legal

Privacy Policy

Last updated: 1 April 2026. Governing entity: JuniGo Pte. Ltd., Singapore.

1. Who we are

JuniGo Pte. Ltd. ("JuniGo", "we", "us") is a Singapore-incorporated company providing cross-border B2B payment services. Registered address: One Raffles Quay, North Tower, Level 20, Singapore 048583. Contact: [email protected].

2. What data we collect

We collect data necessary to operate payment services and comply with regulatory obligations:

  • Business registration data: company name, UEN/registration number, registered address, business type, beneficial ownership information.
  • Individual identification data: name, date of birth, nationality, identification document number (NRIC, passport), photograph for KYC purposes.
  • Contact data: email address, phone number, business address.
  • Financial data: bank account details, transaction history, payment amounts, source and destination currencies.
  • Technical data: IP address, browser type, device identifiers, access timestamps (for security monitoring and fraud prevention).

3. How we use your data

We use personal data to: (a) verify your identity and business registration as required under Singapore's Payment Services Act; (b) execute cross-border payment instructions; (c) screen transactions against sanctions lists (OFAC, UN, EU consolidated list); (d) provide payment tracking and reconciliation reports; (e) comply with MAS reporting and record-keeping obligations; (f) detect and prevent fraud and unauthorized transactions.

4. Legal basis for processing

Processing is based on: contract performance (to provide the payment service you have contracted for); legal obligation (AML/CFT compliance, MAS regulations, PDPA); legitimate interests (fraud prevention, security monitoring, improving service reliability).

5. Data sharing

We share data only where necessary: with correspondent banks and local banking partners for payment execution; with sanctions screening providers; with ERP integration partners (NetSuite, QuickBooks, Xero) where you have authorized the connection; with regulatory authorities where required by law. We do not sell personal data. We do not share data with advertising networks or ad-tech platforms.

6. Data retention

Transaction records and KYC documents are retained for a minimum of 5 years from the date of transaction, as required by the Payment Services Act and MAS Notice PSN02. Contact data is retained for the duration of the business relationship plus 3 years.

7. Your rights

Under Singapore's Personal Data Protection Act (PDPA), you have the right to access personal data we hold about you, to correct inaccurate data, and to withdraw consent for data use not required for service delivery or regulatory compliance. To exercise these rights, contact [email protected].

8. Security

We maintain industry-standard security controls for a financial services platform: encryption in transit (TLS 1.3) and at rest, access controls with principle of least privilege, multi-factor authentication for all internal systems, and regular security assessments.

9. Changes to this policy

We will notify active customers by email of material changes to this policy at least 14 days before they take effect. Continued use of the platform after the effective date constitutes acceptance.