You shall have the right in each case at your sole expense to investigate, and the right in your sole discretion to defend or compromise any claim, loss or liability for which indemnification is sought. Some of the Services offered by Earnin may be provided by third-party service providers. Health Aid If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. Financial Calendar Earnin may automatically collect the following information about your use of our Site, App, or Services through cookies, web beacons, log files and other technologies: We receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. You will have a set Daily Max, which is the maximum you are allowed to Cash Out in one day, as well as a Pay Period Max, which is the maximum amount you can Cash Out before your next pay period. https://earnin.app.link/oMDqo1kDAwb #earnin #boost #boost4boost. You authorize the Bank to deposit in the Sub-Deposit Account from time to time all or some moneys you may deliver to Bank from time to time for credit to the Account. If you have consented to participate in Earnin Cash Back Rewards, please visit the Terms to learn more about the data collection, use, and sharing practices in connection with the program. The use of the word "including" in these Terms of Service to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. By using our service, you grant Earnin and Evolve Bank & Trust the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. i got you, here is mine: https: //earnin. 200 Portage Ave Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. Collection of Information from Children If you enable Lightning Speed, you may fund your Tip Yourself Account in minutes with your debit card. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. B. Why does Earnin have Maxes? While we contractually require our third-party providers to protect your Personal Information in accordance with this Privacy Policy, please note, that we do not own or control such providers and cannot guarantee their compliance. YOU ACKNOWLEDGE AND AGREE THAT WHEN Activehours IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, Activehours IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You further agree to promptly update all your Profile Information whenever the information provided to us is no longer accurate. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. Information You Provide DO NOT TRACK Attn: Compliance Team Each member is expected to post their link and boost others who they see need a boost. How can I request that Earnin delete my data? first and last name (including legal names); whether you are employed, unemployed, or furloughed; Social Security Number or Individual Taxpayer Identification Number; Drivers License information or other state identification; A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request; a phone number, a text-enabled cellular or wireless telephone number; and/or. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. IN THE EVENT THAT ANY PROVISION OF THIS AGREEMENT IS HELD BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, UNENFORCEABLE OR VIOLATIVE OF ANY APPLICABLE LAW, IT SHALL BE DEEMED NULL AND VOID TO THE EXTENT THEREOF WITHOUT AFFECTING THE BALANCE OF THIS CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT. Does Earnin need your device location for the service to work? How We Use The Information We Collect Any dispute with Earnin or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case we may seek such relief in any court with jurisdiction over the parties. If youd like to receive your Cash Out from Earnin into your Bank Account more quickly, you might consider using Lightning Speed. we may close, suspend, or limit your access to your account or ability to use the Sites or Services; we may update inaccurate information you provided us; we may decline to allow you to use the Sites or Services in the future; we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and. Financial Calendar If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS We believe that the world is a better place when we all help each other out. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. request a Cash Out, Max Boost, or use Balance Shield Cash Out for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; use the Sites or Services in any manner that could damage, disable, overburden, or impair the Sites or Services; obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites or Services; access the Sites by any means other than through the interface that is provided by Earnin for use in accessing the Sites; use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site or Services; or. Unfortunately, not all medical bills are eligible for Health Aid. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. Cash Back Rewards credits cannot be processed if your debit or credit card number expires or changes while the credit is pending and not settled, or your debit or credit card account is not open or in good standing. You agree to maintain a balance that is sufficient to fund all payments that you initiate. Verified Employer- an employer that (1) has a fixed work location in which you work out of (unfortunately at this time we are unable to support residential work locations) or an online/electronic timekeeping system at work; (2) is paying you on a regular pay schedule (weekly, bi-weekly, semi-monthly, monthly); and (3) is paying up to 50% of your earnings into your Bank Account. If this occurs, we may try to locate you using your Profile Information. Despite our efforts, we cannot guarantee that Personally Identifiable Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. You agree that our third-party service providers and the operators and owners of the third-party websites will be entitled to rely on the foregoing authorization granted by you. We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out you take, however, if we are unable to access funds from your bank account to complete a payment that you authorized Earnin to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Earnin. Although there are two or more accounts associated with your funds (the account maintained with us, referred to as the Account, and the Sub-Deposit Account), your Account is considered a single account for your deposits and withdrawals, as well as for tax reporting, balance requirement, service charge, monthly statement and FDIC deposit insurance purposes. When you use Health Aid, we ask that you provide us with: If the medical bill is accepted by Health Aid for Medical Bill Review, we will use the information you provide to contact the medical provider and their representatives on your behalf to learn about opportunities to reduce your payment obligations. you have the full right, power and authority to grant the rights described in these UGC Terms of Use; The Content was created by you or you own or control all rights in such Content, such that you have all necessary licenses, rights, consents and permissions to publish the Content and to grant the rights granted herein, including permission from all person(s) (including property and/or art of third parties) appearing in your Content; The exercise by Earnin of its rights under these UGC Terms of Use will not violate the rights of any third party or any applicable laws, rules or regulations, including, without limitation, consumer protection, privacy, copyright, trademark and trade laws; The Content does not contain any worms, viruses or other code deemed harmful to Earnin and Earnins users; Your statements are true and verifiable and reflect your actual experiences and beliefs. Activehours offers Earnin Cash Back Rewards to allow you to receive cashback in the form of statement credits issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants. Balance Shield also incorporates Cash Out, by automatically setting a cash out of up to $100 when your Bank Account balance has fallen below $100. You agree that no confidential or fiduciary relationship is intended or created between you and Earning. You may also contact us with any privacy related questions you may have. No system, however, is perfectly secure and, therefore, we recommend that, when you register for our Site and use our services, you take reasonable steps to secure your personal information, including using use a unique password that you do not use on other Sites. app. You, to the extent permitted by law, agree to indemnify Bank from and against any and all claims, losses and liabilities growing out of or resulting from this Custodial Account Authorization Agreement. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. This information may be collected through cookies, web beacons, log files and other technologies. We are actively working to support more banks as we continue to grow, and we encourage you to check back at a later time to see if your bank has been added to our list. Tip Yourself In some circumstances, we may work with third parties to provide services on our Website. In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. MISCELLANEOUS. In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage. Earnin Cash Back Rewards. All funds associated with your deposit account are held by Evolve Bank & Trust. Lightning Speed. If you need help in changing your information, please email us atsupport@earnin.com. Activehours may collect the following categories of personal information about you, including but not limited to the following: Registration Information: When you register for a Service, you will be asked for basic registration information, such as an email address and password. Can anyone in the Earnin Community help me boost my Max? If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. Will return immediately. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself. Unfortunately, not all medical bills are eligible for Health Aid. In general, you can visit the Website and download the App without telling us who you are or sharing any Personally Identifiable Information with Earnin. As a condition of your use of the Sites and Services, you represent and warrant to us that you will not use Earnins Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service. We will have no legal or contractual claim or remedy against you based on your failure to repay, however, if we are unable to access funds from your bank account to complete a payment that you authorized Activehours to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Activehours. For more information, see the Information from Third Parties Section. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. There are no fees or costs associated with Health Aid. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personally Identifiable Information only for those employees who require it to fulfill their job responsibilities. terms of . You hereby consent to such release of information. If we have not verified the Required Identifying Information that you have provided to us, you have not provided all the Required Identifying Information, or you have not completed the account registration process, you may be unable to use Earnins Services and Site. You must confirm with Earnin youve provided the authorized agent permission to submit the request. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and Collection of Information from Children or punitive damages you may incur in connection with the sites, the services, including cash outs, lightning speed, max boost, balance shield, earnin expressand tip yourself, your use thereof, or any of the user submissions, information, data, or other . You can opt out from future notifications by clicking on the unsubscribe link in One Click Politics or Earnin emails, or via opt out language from any texts received. These Terms of Service represents the entire understanding and agreement between you and Activehours regarding the subject matter of the same, and supersedes all other previous agreements. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer; Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction; Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign; Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program; Conduct analysis for the improvement and optimization of the program; and. Vote. There are no fees or costs associated with Health Aid. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. Within the app, go to Cash Back Rewards, click on unenroll and confirm you want to unenroll the card. Do we share or sell aggregate information? You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible. 200 Portage Ave. BOOST 4 BOOST WILL RESPOND QUICK PLEASE!!!! We may cancel an approved Max Boost if you are no longer at your pay period Max, or if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the Services. The categories of Communications that may be provided by electronic means include: We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or to offer you opportunities to use new Services or features that we believe may be of interest to you. Earnin may engage in behavioral advertising on third-party sites (e.g., retargeting, tracking), through information collected about the pages you visit the Website. Everyone needs to eat Dm me too. By submitting this content to Activehours, you represent that you are entitled to submit it to Activehours for use for this purpose, without any obligation by Activehours to pay any fees or other limitations. Security We store and process your Personal Information using data centers in the United States. While we contractually require our third-party providers to protect your Personal Information in accordance with this Privacy Policy, please note, that we do not own or control such providers and cannot guarantee their compliance. How to Unenroll in Cash Back Rewards. Advocacy By using the Services, you agree that Earnin may communicate with you electronically. Verified Source of Income- means either: (1) paychecks you receive from a Verified Employer. Non-Personally Identifiable Information (Aggregated and Anonymized Data) Earnin legit saves you when you're in a bind! Alternatively, you can send an email that includes your contact information tosupport@earnin.comto request any corrections to your personal information. As a granter, you'll have one Boost. When using Earnin, community members may start with up to $250 Pay Period Max. When you request a Max boost from another community member, you will get a temporary $50 Pay Period Max increase. link/ZPxZyNSp3mb. The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request. No Boost for Boost. We are not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges), or any other third-party fees that result from your failure to maintain a balance or available credit in your Bank Account that is sufficient to fund all payments you initiate. However, Earnin may use a Third Party to collect Personally Identifiable Information and/or may disclose certain Personaly Identifiable Information for a business purpose, as set forth above (i.e., Sections 1(C) Information from Third Parties and Section 3 Information We Share). Please note that your revocation of authorization when transactions are pending could result in delays to your receipt of funds and additional charges owed by you to Activehours. We may also allow users to subscribe to Messages and from time to time may transmit Messages promoting Earnin and advocacy efforts with third parties or third-party goods or services. Does Earnin give you notice when we make important changes to our Privacy Policy? Rewards will be available to payout 3-5 days after making a Qualified Purchase and each payout will take an additional 3-5 days to be reflected in your associated bank account. Do we send you push notifications with the option to opt out? If you do not, or cannot provide timesheets, you can use Automatic Earnings, which can automatically track your earnings, and add them to your Earnin account based on your work address. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. Shine the Light Link in comments. You can support our Services by tipping what you think is fair and/or by paying it forward to others within the Earnin community by paying a tip on behalf of another user. Boost for boost. to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications; create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and. If you're a Firefox devotee, don't worry. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Activehours will be treated as being non-confidential and nonproprietary, and Activehours will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. If you can please help me out, message me and alll I need is a phone number to request. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality. However, when you register for an account and become a Community Member to use the Services and/or communicate with Earnin, we may ask you to provide certain Personal Information to us, to identify you, such as: In order to use the Services, Community Members (registered users of Earnin Services) may be required to provide our Third Party vendors with certain login access credentials (for example, username and password). We like putting you in control. You agree to maintain a balance that is sufficient to fund all payments that you initiate. Boost for Boost. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. Activehours also allows you to receive cashback in the form of credit issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants as further described below (Earnin Cash Back Rewards). No Fees or Charges. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. This Personal Information helps us deliver and improve the Earnin Site and Services. If your use of the Site and/or the Services is prohibited by applicable law, then you are not authorized to use the Site and/or the Services. We may provide our registered customers with summaries of their Account Information and email alerts. Cookies are small data files that are stored on your hard drive or in device memory by a website. These terms of service ("Terms of Service") constitute a legal agreement between you, and Activehours, Inc., d/b/a Earnin (Earnin) governing your use of the Site and the Services. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. Activehours will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Earnin will be treated as being non-confidential and nonproprietary, and Earnin will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. You are solely responsible for determining whether the funds debited from your Bank Account and the funds maintained in your Tip Yourself Account are acceptable to you. You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. Note that we are not responsible for any payment processing errors or fees or other Services-related issues arising from your failure to keep your Profile Information current. This Personal Information helps us improve our delivery of the Earnin Site and Services. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE. You may also contact us with any privacy related questions you may have. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. The Earnin Site may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices. Max Boost TERMINATING YOUR EARNIN ACCOUNT. https://earnin.app.link/TZOzioF5Vnb0 BOOST 4 BOOST? You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on www.Earnin.com or through the Earnin App and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity and Bank Account information. 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