1. Introduction

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Junia Home SARL (Société à Responsabilité Limitée), registered in Luxembourg and headquartered at 9 Rue du Laboratoire, 1911 Luxembourg (LHoFT), hereinafter referred to as "Junia Home," "we," or "us," acts as the Data Controller for the personal data collected through our website and services.

Our mission is to facilitate the purchase of a primary residence by co-investing alongside buyers and obtaining advantageous loan offers for them. To achieve this, we collect and process certain personal and financial information strictly for the purposes described in this policy.

This policy explains:

• The types of data we collect

• How we use and share it

• How long we keep it

• Your rights under the GDPR and Luxembourg law

 

2. Contact Information

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• Owner & Data Controller: Junia Home SARL
  Email: contact@juniahome.com

• Data Protection Officer (DPO): Dufour Thomas
  Email: contact@juniahome.com

 

3. Data We Collect

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We collect the following categories of personal data:

• Identity Data: Name, surname, date of birth, nationality, contact details

• Financial Data: Income, employment status, credit history, existing loans, savings

• Property Project Data: Property type, location, purchase price, mortgage amount

• Technical Data: IP address, browser type, and cookies (see Section 12)

We only collect information necessary for:

• Assessing the feasibility of your real estate project

• Proposing a financing package with Junia Home’s contribution

• Preparing and submitting your file to banking institutions for a preferential loan offer
   

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4. Legal Basis for Processing

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We process your personal data on the following legal grounds:

• Performance of a contract (Art. 6(1)(b) GDPR)

• Compliance with legal obligations (Art. 6(1)(c) GDPR)

• Legitimate interests of Junia Home (Art. 6(1)(f) GDPR)

• Your consent where applicable (Art. 6(1)(a) GDPR)

 

5. Use of Personal Data

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Your personal data is used exclusively for:

1. Evaluating your eligibility for Junia Home’s financing model

2. Presenting your application to banks and financial partners

3. Communicating with you regarding your application

4. Fulfilling legal and regulatory obligations

 

6. Data Sharing

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We may share your data only with:

• Banking institutions and financial partners involved in your financing

• Our legal, accounting, and IT service providers (under strict confidentiality obligations)

• Public authorities when required by law

We do not sell or rent your personal data to third parties.

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7. Data Retention

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We keep your personal data for the duration necessary to fulfill the purposes stated above:

• Prospective clients: Up to 24 months after the last contact

• Clients with signed contracts: Up to 10 years after the end of the contractual relationship (for legal compliance)

• Cookies: See Section 12
  
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8. Your Rights

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Under the GDPR, you have the right to:

• Access your personal data

• Rectify inaccurate or incomplete data

• Request erasure (“right to be forgotten”)

• Restrict processing in certain cases

• Object to processing based on legitimate interests

• Withdraw consent at any time

• Data portability (receive your data in a structured, machine-readable format)

You can exercise these rights by emailing contact@juniahome.com.

9. Confidentiality Commitment

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All information provided to Junia Home is treated as strictly confidential. We commit to:

• Using confidential information solely for the agreed purposes

• Limiting access to authorized personnel only

• Ensuring that our partners are bound by equivalent confidentiality obligations

• Not disclosing confidential information to third parties without your consent, unless required by law

 

10. Acceptable Use of Our Website

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By using our website, you agree not to:

• Harass or abuse other users

• Violate intellectual property rights

• Hack into accounts or systems

• Act in a fraudulent or illegal manner

• Post inappropriate or offensive content

We reserve the right to limit, suspend, or terminate access in case of breach.

 

11. Intellectual Property

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All content on this website, including text, images, logos, and documents, is the exclusive property of Junia Home. You may not store, reproduce, or distribute any content without our prior written permission.

 

12. Cookies

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Our website uses cookies to improve user experience and analyze traffic. By browsing the site, you consent to the use of cookies. You may disable cookies in your browser settings, but this may affect site functionality.

Types of cookies we use:

• Essential cookies: Necessary for site operation

• Analytics cookies: Help us improve website performance

• Functional cookies: Remember your preferences

 

13. Security Measures

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We implement appropriate technical and organizational measures to protect your personal data from unauthorized access, loss, or disclosure.

 

14. Changes to This Policy

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We may update this policy to comply with legal requirements or operational changes. Updates will be posted on our website, and we may notify you by email if changes are significant.

 

15. Governing Law & Jurisdiction

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This policy is governed by the laws of Luxembourg. Any disputes shall be subject to the exclusive jurisdiction of the courts of Luxembourg City.