Integrity Policy Tink Technology

1. General

1.1 This integrity and secrecy policy (the ”Policy”) applies when Tink AB, reg. no. 556898-2192, Vasagatan 11, 111 20 Stockholm, Sweden, e-mail:, (”Tink”) provides its account information service that you access via the web or an app of a cooperation partner (“Partner”) of Tink’s (the “Service”).

1.2 To use the Service, you must be at least 18 years of age and/or otherwise be authorized to enter into contracts, and agree to be bound by this Policy.

1.3 By activating and using the Service, you agree to and accept that Tink collects and provides information by your mobile phone, tablet or other device used and processes your personal data in accordance with this Policy. In order for Tink to be able to provide the Service, you also, by your use of the Service, agree to such data referred to in sections 2.1, 2.2, below, and other data regarding your private financials that you have permitted Tink access to, including your customer relationship with Tink, being permitted to be provided to Partner.

1.4 The Service is provided instantly upon your activation and use thereof, and is terminated automatically twenty-four (24) hours after activation. If you would like to use the Service again, a new twenty-four (24) session is started upon your request of Tink providing the Service. Upon termination of each twenty-four (24) hour session, Tink will delete or anonymize all information that is referable to you, however, excluding such information that Tink is required by law to store and archive, if any.

The summary points are not part of the terms.

  • Tink provides an account information service for everyone aged 18 or older.

  • When you activate and use Tink’s Service, you also enter into a contract with Tink..

  • This policy sets forth which data we collect about you and why.

  • You may stop using the Service at any time. We will delete your personal data after each Service session.

2. Which data does Tink process about you?

2.1 Tink collects and processes your personal data when you activate and use the Service, at which time Tink is provided access to your external user accounts, and personal data such as name, contact details, personal identity number, transactions data (amount and time of purchase, type of transaction and relevant goods), positioning data, form of housing, credit amount applied for, repayment period, and other financial information.

2.2 Tink may also collect data that Tink receives from third parties. The third parties from which Tink, from time to time, collects information are listed at Tink’s website By activating and using the Service, the user agrees that the abovementioned suppliers provide information to Tink and that Tink stores and processes the information for the purposes set forth in this Policy. The user also agrees to Tink providing the user’s personal data to the abovementioned third parties to the extent necessary for the recipient to identify the user and Tink to fulfil its service obligations toward the user and to these third parties having the right to provide information to Tink for the purposes set forth in this Policy.

2.3 Your personal data is kept by Tink only for twenty-four (24) hours to fulfil the provision of the Service. However, Tink may retain the data for a longer period of time if required by law or if needed to protect Tink’s legal interests, e.g. in the event of an ongoing legal proceeding.

We collect data from e.g. banks and credit institutions.

3. Why does Tink process your personal data?

Tink processes your personal data for the purpose of providing, administering, developing and adapting the Service and its functionalities, administration of the customer relationship with you and to fulfil security, statutory or other regulatory requirements. The data may also serve as material for product and customer analyses, statistics, follow-up of business operations and business and methods development.

  • We use data about you and your finances to provide you with the best service possible.

  • After anonymizing the data, it can also be used for improving our services.

4. Third Parties

4.1 By activating and using the Service, you agree and instruct Tink to share the information retrieved in providing the Service with Partner. Upon Partner receiving the information, Partner becomes the data controller for its processing of your personal information, which will be carried out in accordance with Partner’s terms and conditions and/or privacy policy. User is encouraged to familiarize itself with these and to contact Partner with regard to any questions.

4.2 Personal data may also be disclosed if required under applicable law or a decision of a competent authority, to protect Tink’s legal interests or to detect, prevent or observe fraudulent behaviors and other security or technical issues. Tink may also provide personal data to companies that process personal data on behalf of Tink, such as our IT-suppliers. However, Tink will always be responsible for the correct processing of your personal data, except where Partner processes the data in which case Partner is responsible.

4.3 Your personal data may be transferred to or stored in countries outside of the EU/EEA. By activating and using the Service, the user agrees to the user’s personal data being transferred and stored outside of the EU/EEA.

  • By activating and using the Service, you agree and instruct Tink to share information with Partner.

  • Occasionally, we need to engage service providers, but Tink will always remain responsible for the correct processing of your personal data.

5. Changes to the policy

Tink has the right to, at any time, change this Policy. Tink shall notify the user of upcoming changes to the Policy via its website, changes may also be notified via the Partner, with reasonable advance notice. If you do not accept the changed terms, you may stop using the Service and your contractual relationship with Tink will be terminated automatically twenty-four (24) hours after your most recent activation of the Service.

We are allowed to make changes to the policy terms, but must inform you well in advance.

6. Data security

We aim to ensure that you at all times remain confident in trusting Tink with your personal data. In this respect, Tink has implemented such security measures necessary to protect your personal data from unauthorized access, modification and deletion.

Processing of personal data is a responsibility of great importance to us.

7. Contact details etc.

7.1 Tink is the data controller for its provision of the Service and is responsible for the processing of your personal data in accordance with applicable legislation. You are entitled to, once per year, after written request thereof, receive an excerpt of which of your personal data that Tink has registered. You are entitled to receive this information free of charge. Further, you are entitled to, at any time, request that we either correct, block or delete inaccurate personal data. Tink will at your request or at its own initiative correct data that is found to be inaccurate or misleading.

7.2 Do not hesitate to contact Tink if you have any questions on the processing of your personal data or wish to request an excerpt. Our contact details are provided under section 1.1, above.

Please contact us if you have any questions.