Terms and Conditions

Terms & Conditions

Last updated: [February 17th 2026]

These Terms & Conditions (“Terms”) govern your use of Twinn wearables, the Twinn app, and any payment functionality made available through approved tokenisation and banking partners.

By purchasing, activating, or using a Twinn wearable, you agree to these Terms.

1. Definitions

Tokenisation – The secure process of linking a payment card to your Twinn wearable through the Twinn app using authorised payment networks.

Card Issuer – The bank or financial institution that issued your payment card.

Supported Partners – Banks, wallets, or tokenisation providers listed on the Twinn Supported Banks page.

Official Sales Channels – twinn.me and authorised Twinn retail partners.

2. Eligibility

You must:

  • Be at least 18 years old

  • Use a compatible iOS or Android device

  • Tokenise your wearable via the Twinn app before use

  • Link a payment card issued in your own name

Your card must be issued by a supported partner. Twinn does not control issuer eligibility decisions.

3. How Payments Work

Twinn wearables use the same secure tokenisation technology used by major mobile wallets.

Important:

  • Twinn does not hold your money.

  • Funds remain with your Card Issuer at all times.

  • All transactions are processed by your Card Issuer and the payment network.

  • Twinn does not authorise or decline transactions.

If your card works contactlessly, Twinn works the same way.

For transaction disputes, declined payments, refunds, chargebacks, or spending limits, you must contact your Card Issuer directly.

4. Data & Token Information

By activating your wearable, you consent to Twinn receiving limited token-related metadata required to operate the service.

Twinn:

  • Does not store full card numbers

  • Does not store CVV codes

  • Does not access your bank balance

  • Does not see your PIN

All sensitive card information is managed by certified payment network infrastructure.

5. Wearable Expiry & Ownership

  • Twinn wearables expire 3 years from the date of tokenisation.

  • After expiry, payments and refunds will no longer function.

  • Wearables must not be resold, transferred, shared, or gifted after activation.

  • Twinn only supports products purchased through Official Sales Channels.

If your wearable is lost or stolen:

  1. Immediately remove or suspend the card via the Twinn app.

  2. Contact your bank if necessary.

Lost or damaged wearables must be replaced at current retail pricing.

6. Changing Cards or Card Issuers

You may remove and add supported cards at any time via the Twinn app.

If:

  • A Card Issuer withdraws support

  • A tokenisation partner ceases operations

  • A supported programme changes eligibility

The wearable may stop functioning. Twinn is not responsible for issuer-level decisions.

7. App Compatibility

The Twinn app:

  • Is available on supported iOS and Android devices

  • Is not supported on jailbroken or rooted devices

  • Is not supported on modified operating systems

  • May not function on outdated operating systems

Twinn cannot provide refunds due to device incompatibility.

8. Service Updates & Changes

Twinn may update these Terms from time to time.

The latest version will always be available at twinn.me.

Continued use of your wearable after updates are published constitutes acceptance of the revised Terms.

Twinn may modify or discontinue parts of the service with reasonable notice.

Inactive accounts (12+ consecutive months) may be closed.

9. Maintenance & Service Interruptions

Twinn may occasionally perform planned maintenance.

During outages:

  • Updates may be posted on our website or support channels.

  • No financial compensation is provided for service interruptions.

10. Returns, Exchanges & Warranty

Returns and guarantees are governed by the Returns & 90-Day Guarantee page on twinn.me.

If there is any conflict between this document and the Returns page, the Returns page applies to consumer purchases.

11. Limitation of Liability

To the maximum extent permitted by law:

Twinn is not liable for:

  • Declined transactions

  • Bank-level technical issues

  • Merchant acceptance decisions

  • Fraudulent transactions authorised by the Card Issuer

  • Losses caused by failure to remove a lost or stolen token

Nothing in these Terms excludes liability that cannot be excluded under applicable law.

12. Governing Law

These Terms are governed by the laws of England and Wales.

Any disputes shall be subject to the exclusive jurisdiction of the courts of England and Wales.

13. Contact

If you have questions about these Terms:

📧 hello@twinn.me
🌐 https://twinn.me