TWINI

Twini

Europe-wide Financial Identity Twin — Real-time, Consent-first

From Luxembourg, the heart of European finance, Twini connects people and institutions through the most advanced, secure, and privacy-respecting credit information exchange in Europe.

Request Access (Banks & Lenders) Get My TWINI Report (Consumers)

For Banks & Lenders

Cross-border borrower insight for better decisions Twini delivers verified borrower information from across Europe so your credit decisions are based on the latest facts — not outdated or incomplete data.

We operate under the strictest European standards, including GDPR, AML, DORA, and are approved by the CSSF.

Our Two Models:

PUSH — Encrypted daily updates from participating institutions, stored securely for complete, verified reports.
PULL — Instant, real-time data retrieval from all connected sources with user consent, without storing raw details.

Benefits:

Faster, more accurate lending decisions for cross-border applicants
Reduce fraud and compliance risk
Integration-ready APIs
Build trust with borrowers through transparent, consent-based reporting

For Consumers

Your European financial twin – All your credit history in one place TWINI is your financial alter ego — your trusted voice when applying for credit, renting a home, or moving across borders.

With TWINI, you can:

Access a verified credit report for use anywhere in the EU
Share your financial credibility instantly with lenders, landlords, or employers
Benefit for the best pricing, highest exposure across banks and countries
Take your good payment history with you when you relocate
Protect yourself - Verify if your information is correct, or if anybody used your identity to apply for credit

Two Ways to Get Your Report:

Through the financial company you are collaborating with when applying for credit
You can press the button below

Contact:

Banks & Lenders: info@twini.eu
Consumers: support@twini.eu

Privacy & GDPR

Effective Date: 2025-08-10
Last Updated: 2025-08-10

TWINI(“we”, “our”, “us”) will be a Luxembourg-based credit bureau providing credit information services to both banks and consumers across the European Union. We are committed to protecting your privacy and handling your personal data transparently and in compliance with applicable laws, including the General Data Protection Regulation (GDPR).

Data We Process
- (PUSH Model) – For creditors that prefer the standard interaction:
  - Borrower identification and contact data
  - Payment history and credit account details provided by participating institutions
- (PULL Model) – For Fintechs and consumers
  - Data retrieved in real time from your consented financial institutions
  - Identification data to verify your request
Lawful Basis for Processing
- PUSH Model: Legitimate interest and/or contractual necessity with participating institutions.
- PULL Model: Explicit consent from the data subject.
Data Retention
- PUSH Model: Retained in our secure database for the period required by law or regulatory guidelines.
- PULL Model: Raw data is not stored; only the aggregated report is generated and shared with you/the requesting institution.
- Minimal retention for analytics (depersonalized) and audit required by law.
Sharing Your Data
We share personal data only with:
- Participating financial institutions (for verification)
- Regulatory authorities where required by law
- Our service providers (IT hosting, compliance tools), bound by strict confidentiality agreements
We do not sell your personalized data to third parties.
International Transfers
Where data is transferred outside the EU/EEA, we ensure appropriate safeguards (e.g., Standard Contractual Clauses).
Your Rights
Under GDPR, you have the right to:
- Access your personal data
- Rectify inaccuracies
- Request deletion
- Restrict or object to processing
- Data portability
- Withdraw consent at any time (for PULL model)
How to Exercise Your Rights
To exercise your rights, please contact:
Email: privacy@twini.eu
We may need to verify your identity before fulfilling your request.
Security We use industry-standard technical and organisational measures, including:
- Multi-factor authentication
- Data encryption
- Secure API gateways
- Regular security audits
Contact Our DPO
Data Protection Officer
privacy@twini.eu

Data Subject Rights

Effective Date: 2025-08-10
Last Updated: 2025-08-10

At Twini, we believe in full transparency and giving you control over your personal data. This page explains how you can exercise your rights under GDPR.

Right to Access
You can request a copy of your personal data that we hold.
How:
Email privacy@twini.eu with proof of identity. We will respond within one month.
Right to Rectification
If your personal data is inaccurate or incomplete, you can request correction.
Note: For PUSH data, corrections must be submitted through the original financial institution that provided the data.
Right to Erasure
You can request deletion of your personal data in certain circumstances:
- Data is no longer necessary
- You withdraw consent (PULL model)
- Processing is unlawful
Right to Restrict Processing
You can request that we limit the use of your data while a dispute or verification is ongoing.
Right to Data Portability
You can request your data in a machine-readable format to share with another provider.
Right to Object
You can object to the processing of your data based on legitimate interests.
Withdrawal of Consent
If you gave consent for the PULL model, you can withdraw it at any time.
How to Submit a Request
Send your request to:
privacy@twini.eu
Include your full name, contact details, the right you wish to exercise, and any supporting information.
Regulatory Contact
If you believe your rights have been violated, you can lodge a complaint with:
Commission Nationale pour la Protection des Données (CNPD), Luxembourg.