If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below: Our commitment to protecting your information is described in the sections outlined below: We may use the information you provide about yourself and about your Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. If a counter-notice is received by the DMCA Agent, Earnin may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Your financial situation is unique. Only funds from your Bank Account may be transferred to your Tip Yourself Account. We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. If we communicate with you via Messages, we may collect information regarding the communications, such as email opening confirmations, read text message data or received push notification data. Privacy Policy. 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 advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness. 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. These voluntary tips help fund us and keep us going, but we want you to be in control of if, when, and how much to tip. Nevada State Bill 220. Go to Cash Back Rewards on the App For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the 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. 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. INFORMATION FROM CHILDREN You represent that you are permitted to receive text messages at the telephone number you have provided to us. A 10% tip on a $40 withdrawal may . Depending on your bank, by providing us your debit card information or banking routing number and Bank Account information, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. 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. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. All covenants, agreements, representations and warranties made in these Terms of Service will survive your acceptance of these Terms of Service and the termination of these Terms of Service. Earnin is a popular paycheck advance app that lets users borrow up to $100 a day and up to $500 during each pay period the largest cash advance limit of any app on this list. When you enroll in Balance Shield, you may select a voluntary additional amount to pay in appreciation of the services rendered each time Balance Shield is automatically activated. Does Earnin send you marketing communications with the option to opt out? No Obligation to Repay. In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. You irrevocably transfer and assign to Earnin any and all rights that you may have to any interest that may accrue on funds held in your Tip Yourself Account. Collection of Information from Children Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. The categories of Communications that may be provided by electronic means include: Pay It Forward 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 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. Terms not defined herein have the same meanings as set forth in the Account Agreement. For more information about voluntary tips please reference the specific service below. 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. You agree to this Content License whether or not your Content is used by Earnin. Activehours, the applicable card network, and your issuer have no responsibility or liability for the failure of a statement credit to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit. If any action, suit or proceeding is brought against Bank in connection with any claim, loss or liability that is subject to indemnity hereunder, you may and, upon Banks request will, at your expense resist and defend such action, suit or proceeding, or cause the same to be resisted or defended by counsel selected by the you and reasonably acceptable to Bank. Welcome to Earnin! You may access the terms of such agreement at any time here. https://earnin. any services, content, and/or features made available by us through the Website or App (Services). We are under no obligation to place your funds with an Insured Depository Institution. Keep in mind, a Boost you give to another community member will refresh for you on the community member's payday. 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. In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. If we, in our sole discretion, have reason to believe that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect ourselves, other users, and other third parties from fees, fines, penalties, and any other liability. Further, we may receive greater benefits when we place your funds with an Insured Depository Institution than if we otherwise maintained your funds with us. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. The funds deposited in the Sub-Deposit Account will be FDIC insured to the same extent as if such funds were held in the Account with us and shall be aggregated with deposits maintained in your Account with us. There is a $250 cashback limit per transaction. In addition, we will send you an in-app notification or email informing you of any material changes in the Terms of Service prior to posting those changes. Information We Share You may not provide us credentials or access accounts that are held by anyone other than you. For example, this Personal Information may be disclosed to enable you to select the contacts with whom you would like to send a Max Boost, Community Members in a Pay It Forward chain, to connect with another user who referred you to the Services, or to connect with an individual whom you would like to refer to the Services. Can anyone in the Earnin Community help me boost my Max? Unfortunately, not all medical bills are eligible for 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 Personal Information only for those employees who require it to fulfill their job responsibilities. We do not sell your Personal Information. 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. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin. Palo Alto, CA 94306 You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-1$100, but are under no obligation to do so. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. To the extent you use a Service for banking or other financial services, the Service is intended only to assist you in your financial organization and decision-making and is broad in scope. Do we retain your data for as long as we need it unless you request deletion? Do we track your browsing activities on other sites? You may only have one account with Earnin. 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. Our authorization to initiate debit and credit entries to your Bank Account and to your Tip Yourself Account will remain in full force and effect until you revoke your authorization. Lightning Speed. Lightning Speed. 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. 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. Palo Alto, CA 94306. https://earnin. 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. Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your 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. When you request a Pay Out or turn on Balance Shield, you warrant that the earned wages being paid out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else. All funds associated with your deposit account are held by Evolve Bank & Trust. The collection of this Personal Information helps us deliver these additional services to you. Do we send you push notifications with the option to opt out? We like putting you in control. The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, Activehours'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO US $500.00 (FIVE HUNDRED UNITED STATES DOLLARS). Earnin may use and store the content for the purpose of providing the Service to you. Collection of Information If this occurs, we may try to locate you using your Profile Information. 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. We also outsource some of Earnins functions to third-party service providers, such as data storage providers, platform administrators, customer service and/or other services. Can I use VPN to access the Earnin app? Do we give you advance notice when we make important changes to our Privacy Policy? Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data. You can update your Profile information by clicking on the settings link after you login. Sharing Between Earnin Community Members and Referrals to New Community Members. The Terms of Service will always indicate the date it was last revised. We will review your Tip Yourself Account and transaction activity at various times, including when you initiate a transfer of funds into or out of your Tip Jar(s). We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account on the day of your next regularly scheduled paycheck. You must repeat this process for every card you wish to delete. SECURITY 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. By using Tip Yourself Services, you authorize Earnin and Evolve Bank & Trust to access and transmit your personal and financial information from your Evolve Bank & Trust account to Earnin in accordance with Evolve Bank & Trusts privacy policy. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Any pending credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Earnin. You agree that Activehours and its Third Party Service Providers may view your transactions. Service Specific Collection of Information: For example, this Personally Identifiable Information may be disclosed to enable you to select the contacts with whom you would like to send a Max Boost, show your information about Community Members in a Pay It Forward chain, to connect with another user who referred you to the Services, or to connect with an individual whom you would like to refer to the Services. Balance Shield. Earnin, the applicable card network, and your issuer have no responsibility or liability for the failure of a statement credit to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit. By using Tip Yourself and providing user information to us, you authorize us to obtain, directly or indirectly through our third-party service providers, information about you and your bank account from the financial institution holding your bank account and other third-party websites and databases that may be necessary to provide 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. You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. You further authorize us to collect for you payments related to a Sub-Deposit Account, and to execute and deliver or file on your behalf all appropriate receipts, agreements, releases and other instruments, including whatever agreements may be required to establish and maintain the Sub-Deposit Account or to establish your ownership interest in the Sub-Deposit Account. Further, you represent that any Content you submit does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam.". You understand that, in return for agreement to this provision, Earnin is able to offer the Service at the terms designated, and that your assent to this provision is an indispensable consideration to these Terms of Service. If you have questions regarding these Terms of Service or the practices of Earnin, please contact us at support@earnin.com, using live chat with the Earnin team via the mobile app, or you can send us a letter at: ActiveHours Inc., dba Earnin We will review your Tip Yourself Account and transaction activity at various times, including when you initiate a transfer of funds into or out of your Tip Jar(s). 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. 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. 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. When a community member sends you a request to Boost their pay period Max, you can . We also use this information to communicate back to you regarding the outcome of any negotiation attempts. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information covered will be included in our response. This Content License whether or not your Content is used by Earnin notifications with the option opt. Changes to our privacy Policy to make withdrawals that exceed the balance of funds in your Account. Whether or not your Content is used by Earnin payment processors with an Insured Depository Institution IDs app... 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