Responsible Participation

1. Our Approach

The Twenty is built as a savings product first — the £15 in your Vault is always yours, regardless of outcome. The £5 weekly contribution funds your shot at that week's prize pool, decided by a skill test rather than chance. Even so, we want every member to participate in a way that's genuinely comfortable for them.

2. Guidance For Members

• Only commit what you can comfortably afford as part of your normal monthly budget. Your £20 should never come from money set aside for essentials, debt repayments, or funds you can't spare.
• Never borrow money, use credit, or dip into other savings to fund your contribution.
• Treat the £5 weekly prize contribution as spent the moment it's committed — while your Vault genuinely holds your £15, the £5 funds that week's collective prize pool and isn't refunded if you don't qualify or don't win that week.
• You're always free to pause. Turn off your standing order at any time from your account settings, with no penalty and no impact on your existing Vault balance.
• If participating ever stops feeling comfortable, we'd rather you paused than kept going out of habit.

3. Eligibility

You must be 18 or older to join The Twenty. We do not knowingly allow anyone under 18 to hold an account.

4. Support

If you'd like to talk about your participation, pause your account, or raise any concerns, contact us — we're glad to help.

• Email: support@the-twenty.co.uk

5. How To Complain

If something's gone wrong, email support@the-twenty.co.uk with as much detail as you can — what happened, and when. We'll acknowledge your complaint and work to resolve it as quickly as we can. A full, published complaints procedure will be in place before paid participation launches.