TWINO Investments AS Arvostelua 

Vastaus yritykseltä TWINO Investments AS

2.7.2025

Hi,

We’re really sorry you feel this way, and we completely understand that it might seem like we’re holding something back.

Please rest assured that we are fully present and committed to being transparent. The reason we haven’t shared more frequent updates is simply that there haven’t been any major developments to report.

If you’d like to read the latest update on this topic, you can visit our blog here:
👉 https://blog.twino.eu/a-letter-from-the-ceo/

Thank you for your feedback.

Best regards,
Kristiāna from TWINO

Vastaus yritykseltä TWINO Investments AS

25.6.2025

Thank you for being part of TWINO, and for sharing your honest feedback.

You’re absolutely right that we haven’t communicated well enough about the Rentals product, and we’re actively working to change that. Recently, we published detailed performance updates and statistics for each property, which you can find here:
🔗 https://blog.twino.eu/update-on-rentals/

Please rest assured: your funds are not stuck. The Rentals simply haven’t generated income, which is why you haven’t seen returns. We’ve also made the strategic decision to phase out the Rentals product entirely. As part of this process, all invested capital, along with any profits from the sale of the properties, will be returned to investors.

If you have further questions or need help reviewing your portfolio, feel free to reach out to info@twino.eu.

Best regards,
Kristiana from TWINO

Vastaus yritykseltä TWINO Investments AS

12.6.2025

We're truly sorry to hear about your negative experience with TWINO, and we appreciate your honest feedback.

You're absolutely right that communication around Rentals has been lacking, and for that, we sincerely apologize. We've now published detailed updates and performance statistics for each property on our blog. You can find all the information right here:

🔗 https://blog.twino.eu/update-on-rentals/

We understand that from your perspective, your funds may feel stuck, as they are currently illiquid and not generating returns. This is due to the underperformance of the Rentals properties, which have not been producing income. To address this, we've made the strategic decision to phase out the Rentals product. As part of this process, we will begin liquidating the properties, and all invested capital, along with any profits from the sales, will be returned to you. We appreciate your patience and continued support as we work toward returning your investment.

We also recognize that our support response times need significant improvement, and we're actively working to speed up our replies.

Best regards,
Kristiana from TWINO

Vastaus yritykseltä TWINO Investments AS

25.6.2025

We're very sorry to hear you've had a negative experience and feel this way.

Please reach out to us directly at info@twino.eu.
We'd like to understand your specific concerns and help address them.

Best regards,
Kristiana from TWINO

Vastaus yritykseltä TWINO Investments AS

20.2.2025

Thank you for your feedback. We’d like to clarify the points you raised.
First, it’s important to distinguish between the buyback guarantee offered by the TWINO platform for the claim rights product (that was offered before it became a regulated investment brokerage firm), and the Securities product currently offered on the platform. The buyback guarantee, as you describe it, does not apply to the Securities. The Securities differ from the previously offered product, where loans were issued directly to individual borrowers and sold to the investors in the form of claim rights. In this case, a buyback or payment guarantee (typically provided by the loan originator) protects investors from the defaults of individual borrowers to whom the loan originators have granted loans.
Secondly, for the Securities, the underlying loans are business loans issued to the loan originator itself (not the individual borrowers), meaning the loan originator is the borrower and is contractually responsible for the repayment of the Loan. Second, for the Securities, the underlying loans are business loans issued to the loan originator itself (not the individual borrowers), meaning the loan originator is the borrower and is contractually responsible for the repayment of the Loan. If a loan originator fails to meet its obligations – such as in the case of VAMO Vietnam – legal actions are taken to try to recover investor funds.
Third, neither the claim rights product nor the Securities product carries any liability towards the investors other than the buyback guarantee (for the claim rights product) and the contractual responsibility for repayment (for the Securities product), both of which come from the loan originator itself. In either case, the investments carry a risk that the loan originator might default. Full information on the rights and obligations related to the Securities is available in the relevant prospectus.
Regarding the claim rights product, subject to the buy-back guarantee, it should be noted that the Russian loan originator has not defaulted and is willing to fulfill its obligations. However, circumstances beyond the control of all parties – specifically limitations related to fund transfer from Russia – make it impossible. Despite this, TWINO has found solutions to continue making monthly repayments, and delays in full repayment are solely due to capital flow restrictions, not a lack of available funds.
We understand that delays can be frustrating, and we remain committed to transparent communication and investor protection. If you have further questions, our Customer Relations team is available to assist.
We kindly remind you that investing inherently involves various risks, and it's essential to understand them to make informed decisions. One primary risk is borrower default, where the borrower fails to repay the loan, potentially leading to a partial or total loss of the invested amount. To mitigate this, many platforms offer buyback obligations, where the loan originator repurchases the loan if it's overdue by a certain period, typically 60 days. However, the effectiveness of this safeguard depends on the financial stability of the loan originator; if they face financial difficulties, they may be unable to fulfill the buyback commitment. Understanding these aspects can help investors navigate the complexities of peer-to-peer lending and make decisions aligned with their risk tolerance and financial goals.

Vastaus yritykseltä TWINO Investments AS

25.6.2025

Dear Investor,

Thank you for sharing your feedback—we completely understand your concerns about providing personal data.

As a regulated investment firm based in Latvia, we're legally required to follow strict financial guidelines. These rules, known as "Know Your Customer" (KYC) and anti-money laundering (AML) regulations, exist to protect both you and the financial system by helping us verify clients, transactions, and fund origins.

We only request information that’s absolutely necessary to meet these important obligations and ensure our platform remains safe, transparent, and reliable for all investors.

Thanks again for your understanding,
Kristiana from TWINO

Vastaus yritykseltä TWINO Investments AS

23.9.2024

Lieber Ralf,

es tut uns leid, dass Sie eine schlechte Erfahrung mit unserem Kundensupport gemacht haben.

Wir wissen Ihr Feedback sehr zu schätzen und würden uns freuen, wenn Sie Ihre Bewertung aufgrund dieser zusätzlichen Klarstellung noch einmal überdenken könnten.

Natürlich stehen wir Ihnen jederzeit für weitere Fragen oder Unterstützung zur Verfügung.

Zu diesem Zeitpunkt ist uns die von Ihnen beschriebene Situation noch nicht begegnet. Bitte geben Sie uns etwas Zeit, uns mit Ihnen in Verbindung zu setzen, da Ihr Profil wahrscheinlich bereits überprüft wird.

Da es sich um ein individuelles Problem zu handeln scheint, hängt es häufig mit dem Webbrowser, dem Gerät, dem Cache oder ähnlichen Faktoren zusammen. Wir werden uns jedoch in Kürze mit Ihnen in Verbindung setzen, um die Ursache zu klären und das Problem zu beheben.

Vastaus yritykseltä TWINO Investments AS

17.4.2024

Es tut uns leid, wenn die derzeitige Situation negative Gefühle ausgelöst hat.

Wir sind uns bewusst, dass es für die Kunden schwierig ist, verschiedene Daten zu erfassen und die Durchführbarkeit der Bereitstellung der erforderlichen Informationen zu beurteilen, und bemühen uns, nur die wesentlichen Daten anzufordern.

Als reguliertes Finanzinstitut sind wir jedoch zur Einhaltung zahlreicher Vorschriften verpflichtet, und die Bestätigung der Herkunft von Geldern hat für uns nach wie vor höchste Priorität. Leider kann die Nichtbereitstellung dieser Daten die Beendigung der Zusammenarbeit zur Folge haben.

Vastaus yritykseltä TWINO Investments AS

5.2.2024

Hallo Denni,

es tut uns leid, dass Sie schlechte Erfahrungen mit unserem Kundensupport erlebt haben.

Wir möchten klarstellen, dass die Einstellung "pro Kredit" nicht mehr angewendet wird, da sich das Produkt geändert hat. Das dem Wertpapier zugrunde liegende Darlehen ist ein Geschäftsdarlehen, das an den Darlehensgeber vergeben wurde. Dies bedeutet, dass es bereits eine gewisse Diversifikation bietet, da der Darlehensgeber Kredite an mehrere unterschiedliche Einzeldarlehensnehmer vergibt.

Wir hoffen, dass diese Informationen zur Klärung beitragen. Wir schätzen Ihr Feedback sehr und würden es wertschätzen, wenn Sie, basierend auf dieser zusätzlichen Klarstellung, Ihre Bewertung überdenken könnten. Natürlich stehen wir Ihnen für weitere Fragen oder benötigte Unterstützung jederzeit zur Verfügung. Zögern Sie bitte nicht, sich erneut an unseren Kundensupport zu wenden. Unser Ziel ist es, Ihnen die bestmögliche Unterstützung zu bieten.

Mit freundlichen Grüßen,
Ihr TWINO-Team