Twinn Terms & Conditions

These Terms govern your use of Twinn wearables, the Twinn app, and any payment services made available through approved tokenisation partners. Please read them carefully before activating your wearable.

1. Definitions

• Tokenisation – The process of linking a payment card to your Twinn wearable through the Twinn app.
• Card Issuer – The bank or financial institution that issued your payment card.
• Twinn Sales Channels – The official Twinn website (www.twinn.me) and authorised retail partners.
• Supported Partners – Banks, wallets, or tokenisation services listed on the Twinn Supported Banks page.

2. Eligibility

• You must be 18 years or older to create a Twinn account or activate a wearable.
• Your wearable must be tokenised using the Twinn app before it can be used for payments.
• Your payment card must be issued by a supported partner. Twinn cannot influence card issuer eligibility decisions.

3. Using Your Twinn Wearable

• All transactions made with your Twinn wearable are governed by your card issuer’s terms.
• By activating your wearable, you consent to Twinn receiving token-related transaction metadata as required by payment networks and tokenisation partners.
• Twinn does not decide where your card can be used. Acceptance is determined by your card issuer and the merchant’s acquiring bank.
• Queries relating to disputes, declined transactions, refunds, and spending limits must be directed to your card issuer.
• You must only link cards that are issued to you personally.
• Twinn is not liable for unauthorised, fraudulent, or disputed transactions conducted using an activated wearable.

4. Wearable Expiry & Ownership

• A Twinn wearable expires 3 years from the date of tokenisation, after which payments and refunds will no longer function.
• Twinn only supports items purchased through official sales channels.
• Lost, damaged, or stolen wearables must be replaced at the current retail price.
• In the event of loss or theft, you must suspend or remove the wearable token immediately via the Twinn app.
• To stop using your wearable, remove all linked cards within the Twinn app.
• Once activated, Twinn wearables must not be sold, gifted, transferred, or shared.

5. Changing Cards or Card Issuers

• You may remove a card and add another at any time, provided the new card is from a supported partner.
• If a card issuer ceases operations or withdraws support, the associated token may stop working. Twinn is not responsible for issuer-level decisions.

6. Service Updates & Changes

• Twinn may update these Terms periodically. The latest version will always be published on twinn.me.
• Continuing to use Twinn after updates are published constitutes acceptance of the revised Terms.
• Twinn may discontinue or change parts of the service with 3 months’ notice.
• If your account is inactive for 12 consecutive months, Twinn may close it.

7. App Compatibility & Device Requirements

• The Twinn app is available for iOS and Android.
• The app is not supported on jailbroken or rooted devices, tablets, smartwatches, or modified operating systems.
• Older or unsupported operating systems may prevent the app from functioning. Twinn cannot provide refunds or guarantees where device compatibility is the issue.
• If your OS is unsupported at registration, the app may not work as intended.

8. Closing Your Account

• You may close your account at any time using the “Delete account” function in the Twinn app.

9. Maintenance & Service Interruptions

• Twinn will aim to schedule planned maintenance to minimise disruption.
• During unplanned outages, updates will be provided on the Twinn status page.
• No financial compensation is available for downtime or service interruptions.

10. Returns, Exchanges & Warranty

• Returns, exchanges, and warranties are governed by the policy available at twinn.me.

11. Contact & Support

If you need help or would like to provide feedback, our team is here to assist:
support@twinn.me