For our compliance purposes and in order to provide services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and bank account information. DO NOT TRACK If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. You are responsible for monitoring your Daily Max and Pay Period Max to ensure that the Cash Out application of Balance Shield is available to you. Activehours will not engage in any debt collection activities if the payout is not repaid on the scheduled date, place the payout as a debt with or sell it to a third party, or report to a consumer reporting agency concerning the amount of the payout. You may only designate one deposit account at your depository financial institution (your Checking Account) to transfer funds to your Sub-Deposit Account, as described in the Tip Yourself Terms of Service. 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. https://earnin. Earnin may communicate with You about summaries of your Account Information, products and Earnin Services using email, SMS, text messages or push notifications (collectively Messages). For more information on FDIC insurance coverage, please visit www.FDIC.gov. Balance Shield alerts can stay on indefinitely until you turn them off. Why does Earnin have Maxes? Any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, any marketing that led to consummation of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, regardless of whether they arise from contract; tort (intentional or otherwise); consumer protection laws; a constitution, statute, common law, or principles of equity; or otherwise will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. You may opt-out of Earnin Cash Back Rewards at any time by following the instructions below. 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. There is a $250 cashback limit per transaction. attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. You should print a paper copy of these Terms of Service and any Communication that is important to you and retain the copy for your records. a copy of your government-issued photo ID, such as a passport or drivers license; a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and. Financial Calendar- means your in-app calendar, which tracks bill reminders, daily earnings, recent Cash Outs, and when you have scheduled debits for Cash Outs. Follow the steps below to use the Boost feature (To learn more about Boost, click here).. Click the ASK A FRIEND button from Earnin's home screen. 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. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. To close your Tip Yourself Account, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. You agree that Activehours and its Third Party Service Providers may view your transactions. To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Shine the Light If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy and what information Earnin is required to keep. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. i got you, here is mine: https: //earnin. request a Pay Out or use Balance Shield for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; access the Sites by any means other than through the interface that is provided by Activehours for use in accessing the Sites; we may take legal action against you; however, with respect to any Pay Outs or payout for Balance Shield, Activehours will not engage in collection efforts to collect payments due to us, place the amount paid out 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. TERMINATING YOUR EARNIN ACCOUNT. 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. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Activehours 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. 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. In order to designate an authorized agent to make a request on your behalf, you must: California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personally Identifiable Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. link/ OL59rhV4Gwb. There are no required fees to obtain a Cash Out, Max Boost, set alerts for a Balance Shield or set a manual Balance Shield Cash Out, use Health Aid, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. BY REPLYING #YESEARNIN, YOU ARE ENTERING INTO AN AGREEMENT WITH EARNIN AND AGREE TO BE BOUND BY THESE UGC TERMS OF USE, WITHOUT LIMITATION OR QUALIFICATION. Required Identifying Information depending on the Service, we may require certain information to validate who you are, including but not limited to: Boost for Boost. Earnin, in its sole discretion, reserves the right to terminate these Terms of Service, access to its Sites, or access to the Services for any reason and at any time with or without notice to you. Once we have verified the Required Identifying Information that you provide to us, you will be able to begin using Earnins Services and Site. Sharing Between Earnin Community Members and Referrals to New Community Members. You may also contact us with any privacy related questions you may have. Health Aid 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. Please review it occasionally. You agree that no confidential or fiduciary relationship is intended or created between you and Earning. Attn: Compliance Team 4. 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. Palo Alto, California USA 94306. Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the merchant at the time of purchase and will instead be reflected as part of the aggregate amount received from Earnin. Activehours may use and store the content for the purpose of providing the Service to you. This information allows the third parties we work with to gain online access to the accounts you maintain with a third party financial institution (Bank Account) and that you choose to designate for use in connection with Earnin Services. Throughout this Privacy Policy, Earnin uses the term Personally Identifiable Information (PII) to describe information that can be associated with you and/or identify you. Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. our mobile application (herein Application or App); (the Website and App are collectively referred to as (Earnin Site) and 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. 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. Cash Back Rewards Evolve Bank & Trust. We also use this information to communicate back to you regarding the outcome of any negotiation attempts. If you generally fail to maintain a balance in your bank account that is sufficient to cover your repayment of a Pay Out, we may decline to allow you to obtain a Pay Out for as long as we determine to be necessary or appropriate. Each member is expected to post their link and boost others who they see need a boost. How to clear your iPhone cache in Firefox. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. 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. Balance Shield. There is a $250 cashback limit per transaction. Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. You are not required to pay any fees or charges to use any of the Earnin Services. Boost for boost https://earnin.app.link/EOhQdZcJnwb. Can anyone in the Earnin Community help me boost my Max? Folks If you need help in changing your Profile information, please email us at support@earnin.com or live chat the Earnin team via the mobile app. At Activehours, Inc. d/b/a Earnin (Earnin), we believe that visitors to the Earnin website and/or mobile application and Earnin Community Members (Community Members,) (collectively you or your) deserve clarity and transparency as to how Earnin uses your Personal Information. Cash Back Rewards. any other communication related to the Sites or Services. By using the Service, you expressly authorize Activehours to access your Account Information maintained by identified third parties, including but not limited to your bank, on your behalf as your agent. 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. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ENROLL IN EARNIN CASH BACK REWARDS, ACCESS OR USE THE SITE OR THE SERVICES. Activehours may share my transaction data with participating merchants to determine if you are eligible to receive the offered reward. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. This Custodial Account Authorization Agreement shall remain in full force and effect until the Account Agreement terminates or as otherwise terminated by Bank in its sole discretion. Certain internet browsers have incorporated Do Not Track features. Earnin will also communicate with you outside One Click Politics or FiscalNote using email, SMS, text messages or push notifications (collectively Messages) about Earnins advocacy efforts, to request your input or participation in advocacy or other engagement on behalf of Earnin. You agree that you will not receive interest or other earnings on the funds in your Sub-Deposit Account. 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. Information from Third Parties However, if we have been unable to recoup payment of a Cash Out from Earnin, you will be unable to use the Services and Site even if you reactivate your account and sign up again until we are able to recoup any unreimbursed Cash Outs. link/ZPxZyNSp3mb. We do not sell your Personal Information. With third parties to provide, maintain, and improve our Services; In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business; To respond to subpoenas, court orders, or legal process; In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services; To respond to claims that any posting or other content violates the rights of third parties; In an emergency, to protect the health and safety of our Sites' users or the general public; or as otherwise required by law. More information about how we use this third party information can be found in Section C: Information from Third Parties. Tip Yourself 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. https://earnin.app.link/qN7rRmmPPib a boost for a boost. No Boost for Boost. This section explains how Earnin shares your information. You may not provide us credentials to access accounts that are held by anyone other than you. 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. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. We may also use and share aggregated and other anonymous data with partners, service providers and third parties to help improve how Earnin delivers the Services. You may only use the Site and Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party. Suite 300 https://earnin .app. When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. Collection of Information For Tip Yourself (Tip Yourself Service, we may use the Personal Information Earnin collects for additional purposes such as: Evolve Bank & Trust. Only funds from your Bank Account may be transferred to your Tip Yourself Account. No Hate Speech or Bullying. Some of your Personal Information (including your Earnin profile photo, Earnin profile first and last name) will be publicly displayed through the Services and may be seen by anyone with an Earnin account. At Earnin, we believe that visitors to the Earnin website and/or mobile application (Visitors and Earnin Community Members (Community Members,) (herein, collectively Visitors and Community Members are collectively you or your) deserve clarity and transparency as to how Earnin uses your Personal Information. Link in comments. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Note that we will only process one request per individual at time. You can opt out from future notifications by clicking on the unsubscribe link in emails from FiscalNote or in emails from Earnin, and/or via opt out language from any texts received. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin. If you have created an Earnin account, Health Aid allows you to submit your eligible medical bills to Earnins Health Aid team to learn about lower payment options for you with your medical providers. 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. Evolve Bank & Trust. 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. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service. However, when you register for an account and become a Community Member (a registered user of Earnin), 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 may be required to provide our Third Party vendors with certain login access credentials (for example, username and password). and Evolve Bank & Trust, an Arkansas-chartered depository institution. If you're a Firefox devotee, don't worry. Over time, based on a number of factors, it can adjust to range from $50 to $500. Advocacy If you choose to enable Balance Shield Cash Out to activate automatically and set a voluntary tip every time, Balance Shield Cash Out will stay on indefinitely until you turn it off. Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. Earnin may post a notice on the Earnin Site if a security breach occurs. When you use certain Earnin Services, we need to collect additional information from you and third parties. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the, Activehours uses MX Technologies (MX) to gather End Users data from financial institutions. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. 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. 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. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU. Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. Without limiting anything set out above, you hereby release each of the Indemnified Parties from all damages, liability, claims, actions, demands and costs of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with these UGC Terms of Use. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. Changes take effect immediately upon posting. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. All such information is governed by Evolve Bank & Trusts Privacy Policy. Welcome to Earnin! Does Earnin sell you Personally Identifiable Information? In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage. Collection of Information 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. The funds in your Sub-Deposit Account will not otherwise increase your FDIC insurance. Understand and agree that any alerts provided to you earnin max boost help, based on a number of factors, can! It can adjust to range from $ 50 to $ 500 time by following the instructions.! & Trust, member FDIC Policies, you may not APPLY to you through the may! Services are provided by Evolve Bank & Trust, member FDIC not receive interest or other earnings on the in. We use this information to populate the Financial Calendar, Earnin will use third party information can be found Section., prevent and investigate actual or suspected fraud, hacking, infringement, or other involving. 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