If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. Information We Share We also use some of this Personally Identifiable Information to improve the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available. UNDER NO CIRCUMSTANCES WILL EARNIN OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD PARTY PARTNERS OR SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS OR PAYMENT PROCESSORS) (COLLECTIVELY, the EARNIN PARTIES) BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES YOU MAY INCUR IN CONNECTION WITH THE SITES, THE SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF, YOUR USE THEREOF, OR ANY OF THE USER SUBMISSIONS, INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED THROUGH OR RESIDING ON THE SITES, OR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING THEREFROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OR USE OF THE SERVICE, EVEN IF THE EARNIN PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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 the next scheduled deposit. Your maxes are determined based on an evaluation of a number of factors we have identified that we believe are related to evaluating your financial health. https://earnin.app.link/TZOzioF5Vnb0 BOOST 4 BOOST? Earnin may still the data in aggregated or anonymized form in compliance with CCPA. All such information is governed by Evolve Bank & Trusts Privacy Policy. app.link/duqAHxi95ob. There are no fees to close your account with us. The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Banks Trust Department or Federal Reserve Bank. These third-party services are governed by the third partys privacy policy. Activehours may use and store the content for the purpose of providing the Service to you. Balance Shield alerts can stay on indefinitely until you turn them off. How can I request my data from Earnin? hey, do you still need one? 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. 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. Earnin may use this information to let you know about certain products, features, campaigns, or advocacy efforts we think you may be interested in. Summary of Information We Collect Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. Once you upload a medical bill, Activehours will first determine if the bill is eligible for the Medical Bill Review Service, and then if Activehours determines your bill is eligible for the service, Activehours will send you an update within 48 business hours with either a final report of any available options to lower your medical bill payments that it was able to learn, or requesting further action from you in order to learn what options are available. Boost for boost will boost back immediately, Boost for Immediate Boost Back! Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnins Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively Messages). We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. Health Aid is for informational purposes only and does not guarantee any results. You will never be denied access to the Services on the basis of not tipping or the amount of any tip you choose to leave. Create an account to follow your favorite communities and start taking part in conversations. 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. We will provide you with notice of any such termination or change as required by law. This Privacy Policy does not apply to the practices of the third-party services or applications, including third parties with which we partner and may make information available to. I just signed up to earnin express and my max boost went up by $200! Information Collected by Cookies and Web Beacons: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. 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. The categories of Communications that may be provided by electronic means include: Your access to this page through your device verifies that your device meets these requirements. Without limiting the foregoing, no Content on the Sites may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Activehours or the appropriate licensor or supplier. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. These login access credentials allow the third parties we work with to gain online access to the accounts you maintain with third party financial institution and that you choose to designate for use in connection with Earnin Services (Bank Account). Everyone needs to eat Dm me too. The words "we", "us", "our" and any other variation thereof refer to Earnin. 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. 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 Personally Identifiable Information to us, to identify you, such as: In order to use the Services, Community Members may be required to provide us with Bank Account information. This information may be collected through cookies, web beacons, log files and other technologies. Your financial situation is unique. Information You Provide 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. 2. Boost for boost. You may not use the Site or Services, or accept these Terms of Service, if. This Terms of Use for User Generated Content (UGC Terms of Use) describe the terms and conditions under which ActiveHours, Inc., a Delaware corporation d/b/a Earnin and its affiliates (collectively Earnin) may use the content created and publicly posted by its Community Members (herein referred to as Community Members, you, and/or your), as more specifically identified and described in the message Earnin sent you via the social media platform on which the User Generated Content (User Generated Content or Content) first appeared. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined. You may also be required to provide our Third Party Partners with certain login access credentials (e.g., username and password) or other account or financial information. The categories of Communications that may be provided by electronic means include: 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. 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. 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. Please review it occasionally. Earnin may collect this information through a payment processor that facilitates a transfer to a Earnin partner bank account, a partner bank or through a third-party secure access tool. Legal Department Our Privacy Policy describes the information we collect and how we use it. We will not place funds with more than one Insured Depository Institution. This temporary Max Boost will expire at the end of the pay period. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. 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. To use Automatic Earnings, we need your phones GPS (location services) to be on at all times, and you must have a fixed work address. 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. We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. Earnin may use your Personally Identifiable Information to verify your identity, comply with and support our bank partners compliance with applicable laws, including Anti-Money Laundering (AML) and sanctions screening rules, prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime, or violation of an agreement involving the Services. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. these Terms of Service and any amendments, modifications, or supplements; records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; disclosures or notices provided in connection with the Services, including any required by federal or state law (including initial disclosures, periodic statements, periodic and annual error resolution notices, initial and annual privacy notices, opt-out notices, and change-in-terms notices); any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and. Earnin collects Personal Information when you use the Earnin Site and Services. No Fees or Charges. 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. Earnin collects Personally Identifiable Information when you use the Earnin Site and Services. Our failure to debit your Bank Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. Allow Pay it Forward chain members to exchange Thank You messages with you via push notification and/or email if you have opted-in to messaging from Earnin. How can I request my data from Earnin? The actions we may take include the following: we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. TERMINATING YOUR EARNIN ACCOUNT. However, you must contact us directly in order to correct certain information, such as your email address. 200 Portage Ave. You may enroll another payment card in Earnin Cash Back Rewards or deactivate your card in the other Empyr, Inc.-operated program. This Privacy Policy does not apply to third party products or services and/or companies Earnin does not own or control. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account. Boost for Boost. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Earnins sole discretion. Palo Alto, CA 94306 You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. 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. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed. 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. If requested, you will sign any documentation in such manner and at such location as may be required to protect, perfect or enforce any of the rights you have granted to Earnin under these UGC Terms of Use. Your account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. Advocacy As a condition of your use of the Sites and Services, you represent and warrant to Activehours that you will not use the Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. Health Aid is for informational purposes only and does not guarantee any results. You may terminate our role as your agent and custodian and our ability to deposit funds you provide us in the Sub-Deposit Account by providing us with thirty (30) days prior written notice, such notice to be sent to Evolve Bank & Trust 6070 Poplar Avenue, 2nd Floor, Memphis, TN 38119. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. In accordance with our routine record keeping we may delete records that contain Personally Identifiable Information you have submitted through the Earnin Site and Services. Can anyone in the Earnin Community help me boost my Max? Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response. Patient Name (if it is not the Community Member Name); Electronic copy of medical bill (or provider name, provider address and phone number); and/or. An "Offer" is the cash back percentage or amount offered by the merchant, which may include, but not limited to, a minimum transaction amount, expiration date, any other additional terms or limitations associated. A Max Boost request is a feature that allows our community members to help each other by vouching for them so that they can cash out a little bit of their paycheck. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. We reserve the right to charge your Bank Account at any time on or after the day the paycheck associated with the earned wages you have requested is expected to deposit into your Bank Account. Activehours does not enter into any binding agreement with third-parties on your behalf or make any payments to any third-parties on your behalf in connection with its Medical Bill Review service. If you wish to revoke your authorization, you may do so by contacting support@earnin.com at least three business days before the day the transaction is scheduled and stop using the Sites and the Services. You must also have a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them. 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. A 10% tip on a $40 withdrawal may . THE SITE, SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS, AND TIP YOURSELF, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. Cash Out. We will recoup payment for Pay Outs or a payout for Balance Shield directly from your bank account upon deposit of your next paycheck. This section explains how Earnin shares your information. There are no fees to close your account with us. We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or to provide an update and/or request further information from you. This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you. 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. 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. The policy may be updated from time to time at our discretion. If you're a Firefox devotee, don't worry. When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the Requestor or Grantor: When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personal Information Earnin collects for additional purposes such as: Some Personal Information is public information (including your first name and the first initial of your last name, profile photo, and public tip reasons you decide to share), and may be seen by anyone accessing the Tip Yourself Service on the App, by any Tip Yourself logged in user. 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Information We Share For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, a Arkansas-chartered depository institution. Earnin may use your Personally Identifiable Information to facilitate transactions and activities that need to occur for the Services to take place, such as: Generally, we may use the Personally Identifiable Information we collect from you or that you provide to us: We do not sell your Personally Identifiable Information. 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. If you participate in Earnins Advocacy and Engagement program, Earnin will provide your location information to One Click Politics. Vote. 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. 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. #worldwide #task + survey #invite #promo-code #referral. Does Earnin track your device location while you are not using the app? Such other information and documentation that we may require from time to time. 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. 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