How We Use The Information We Collect 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 . Earnin accepts voluntary tips in appreciation for Services rendered. (i) your name, voice, picture, portrait and likeness ( Name and/or Likeness) as such Name and/or Likeness appears in or in connection with the Content and. California Consumer Privacy Act We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. How We Use The Information We Collect You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by us to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. Earnin will also communicate with you outside 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. 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. Tip Yourself You are not permitted to make withdrawals that exceed the balance of 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. You must confirm with Earnin youve provided the authorized agent permission to submit the request. No Obligation to Repay. Information from Third Parties We receive information in a few different ways: Any Personal Information collected is available to us and may be available to third-party service providers involved in the operation of the Services. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. Changes will be effective upon posting to the site. To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights. 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. Confirmed: Marsch makes Maximilian Wober decision as Cardiff City v Leeds United lineups emerge. For more information on FDIC insurance coverage, please visit www.fdic.gov. You may only Cash Out earned wages paid to you by your employer. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. As part of Earnins Cash Out Services, you may be offered the opportunity to participate in Max Boost. The actions we may take include the following: Activehours, 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. At ActiveHours, Inc. d/b/a Earnin (Earnin), we are building a financial system that works for people and is based on our goal to be fair and transparent. 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. 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. 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. 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. 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. At Earnin, we care about the financial well-being of all our community members. 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. Location information: You may also be asked to provide geolocation information to confirm your earnings. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. Boost for boost. Health Aid This policy explains how Activehours treats your personal information when you use the Service. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount. 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. In some cases, we share aggregated and anonymized data with our employer partners. Introduction 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. our mobile application (herein Application or App); (the Website and App are collectively referred to as (Earnin Site) and 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. Banking Day- means Monday through Friday, excluding federal banking holidays. Link in comments. 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. 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. link/ZPxZyNSp3mb. Information You Provide If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. 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. How to clear your iPhone cache in Firefox. Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. Advocacy I am reliable and have a steady job but I could use the extra cash for small car problems. This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of: Please also read our Terms of Service which sets out the terms governing the Earnin Site and Services. This temporary Max Boost will expire at the end of the pay period. Please review it occasionally. You may not use the funds in your Sub-Deposit Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Checking Account. When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information they provide to enhance your use of Earnins Services. Email: legal-notices@earnin.com. Palo Alto, California USA 94306. In no event will Activehours be liable to any party for any loss, cost, or damage that results from any period of downtime of the Sites or Services. The existence of the Sub-Deposit Account and any other account maintained by us pursuant to these Account Terms is for internal purposes and will not change the manner in which you use, obtain information about or earn interest (if any) on your Account. Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. We strive to ensure security on our systems. 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. Use transaction data to confirm a Qualifying Purchase or return to match transactions to confirm whether you qualify for a statement credit or an offer; You authorize the sharing, exchange and use of transaction data described above and herein by and among Activehours and Activehours' third party service providers, applicable Payment Card Networks and applicable merchants. 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. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. We may also send an email to you at the email address you have provided to us. 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 assignment applies only to interest earned on the funds held in your Tip Yourself Account, and nothing in these Terms of Service grants us any rights to the principal of the funds held in your Tip Yourself Account. We are under no obligation to place your funds with an Insured Depository Institution. 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). Click on unenroll Boost for boost will boost back immediately, Boost for Immediate Boost Back! For more information on FDIC insurance coverage, please visit www.FDIC.gov. How to Unenroll in Cash Back Rewards. Required Identifying Information depending on the Service, we may require certain information to validate who you are, including but not limited to: Please note that we use Empyr, Inc. as our service provider to help us operate our program. You may not use the funds in your Tip Yourself Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Bank Account. 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. FiscalNote and/or other similar programs, collects the following information from you and shares it with Earnin: This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative or third party. 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. 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). The Earnin Siite 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. You may not provide us credentials or access accounts that are held by anyone other than you. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. We may share Earnin Cash Back Rewards transaction data as follows: With the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; With participating merchants or Third Party Service Providers as 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. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. This policy applies to information we collect when you register for Activehours, access or use our website, mobile applications, products, and services (collectively, the Services), or when you otherwise interact with us. 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. 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. (2)other sources of income that may include, but are not limited to, government-sponsored benefits, public or private retirement benefits,and other regularly-scheduled payments that you may receive. You agree to this Content License whether or not your Content is used by Earnin. You are not required to pay any fees or charges to use any of the Earnin Services. If Earnin, makes changes to this information, the updated information will be posted on the Earnin Site. 200 Portage Ave 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. Our failure to charge your bank account for repayment of a Pay Out or payout for Balance Shield within a set amount of time does not constitute a waiver of our right to charge your account for such funds. If we are unable to locate you, we may be required to deliver any funds in your Tip Yourself Account to the applicable state as unclaimed property. All content included or available in connection with the Sites, 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 Activehours or the licensors or suppliers of Activehours and is protected by U.S. and international copyright and other intellectual property laws. SECURITY All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. You may only have one account with Earnin. Without limiting the foregoing, Content submissions must not include third-party trademarks, logos, except those of Earnin; The Content is not, in Earnins reasonable discretion, libelous, defamatory, obscene, pornographic, abusive, indecent, threatening, harassing, hateful, or offensive or otherwise unlawful; and. Tip Yourself Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. Can I have an agent make a request on my behalf? Balance Shield. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. You understand that, in return for agreement to this provision, Activehours 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. We store and process your Personal Information using data centers in the United States. 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. You will not be charged a fee for Banks placement of your funds or in connection with the Sub-Deposit Account. 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. You may also contact us with any privacy related questions you may have. The world works best when people help each other. records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; 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. When you request a Max boost from another community member, you will get a temporary $50 Pay Period Max increase. Max Boost You may close your account and terminate your relationship with us without termination fees. The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. Health Aid. 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. Earnin will send you an annual reminder that Balance Shield is turned on. 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 a request for further action from you, so that Earnin can better gauge what options may be available. 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. 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. 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. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. With respect to the Services, the rights under the California Consumer Privacy Act (CCPA) will be available to all Earnin Community Members for Personally Identifiable Information not otherwise excluded by the terms of CCPA or any associated regulations or guidance. Why does Earnin have Maxes? Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. There are no fees to close your account with us. You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. 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. If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. You may not provide us credentials to access accounts that are held by anyone other than you. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. 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. Certain internet browsers have incorporated Do Not Track features. 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. 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. 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. Your funds with an Insured Depository Institution asked to provide LEGAL, TAX, or guaranties of claim. Acknowledge that you have linked to your Earnin account, the Site or Services back immediately, Boost Boost. Increase up to $ 500, we care about the financial well-being of all our community.! 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