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. Cash Out. Service Specific Collection of Information: Removing your Bank Account may affect your ability to receive the Earnin Services. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. This temporary Max Boost will expire at the end of the pay period. Activehours does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information. We like putting you in control. Do we share your data with third party partners? Nevada State Bill 220. We may also send an email to you at the email address you have provided to us. Legal Department If your bank is not listed, then Earnin unfortunately is unable to support it as of today and you will not be able to use the Site or Services. 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. Some of your Personally Identifiable 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. These third-party services are governed by the third partys privacy policy. 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. Earnin may aggregate and modify Personally Identifiable Information in a manner that does not personally identify you or any other individual and therefore is no longer Personally Identifiable Information. Link in comments. Welcome to Earnin! 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. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. To opt out of our program and unlink your cards, you must follow the steps below: You agree and understand that you are responsible for maintaining the confidentiality of the combination of your Login ID and password, which together allow you to access the Services, and access Earnin Cash Back Rewards . Lightning Speed. 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. records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; 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. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. 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. California Consumer Privacy Act Does Earnin send you marketing communications with the option to opt out? This Policy was last updated on June 15, 2020. The Pay Period Max is what you can cash out within a given pay period. 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. Activehours also allows you to receive cashback in the form of credit issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants as further described below (Earnin Cash Back Rewards). Social Security Number or other Government Identification Number; a text-enabled cellular or wireless telephone number, and/or, To connect with you if there is a problem completed a transaction you requested or to discuss a problem with your Earnin account; and, Information Earnin Collects Automatically, Information We Collect from Third Parties, and, Service Specific Collection of Personal Information. 1. We may also decline to send you a payout under Balance Shield if you dont have earnings added to your account, or if we were unable to connect to your bank account, or if your account is on hold. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach), please email us at [email protected]. Unfortunately, not all medical bills are eligible for Health Aid. For example, Earnin may use this information to display ads on Services on third-party websites. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself it does so pursuant to Evolve Bank & Trusts Privacy Policy. 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. Do we delete your data when you request an account deletion. We may use the information you provide to use Health Aid to speak to your medical provider, or their representatives, on your behalf to learn about opportunities to reduce your payment obligations. If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the DMCA Agent: 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. Activehours will submit information including usernames and passwords that you provide to log you into the site. You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. Non-Personal Information (Aggregated and Anonymized Data) We are not responsible if you use the Site and/or the Services in any manner that violates applicable law. We have the right to adjust your maxes at any time. The Daily Max refers to what you can cash out in a day. You are responsible for any costs or damages related to the timing of authorization revocation. Do we track your device location to provide Earnin to you? If you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services. Your access and use of the Sites or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that Activehours, in its sole discretion, may elect to take. You hereby authorize and permit Activehours to use and store information submitted by you to the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES 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). any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and 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. The repayment tenure is maximized as users repay their advances on time and in full. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Email: [email protected]. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team You can turn Balance Shield on or off, and/or edit your pre-selected voluntary payment amount at any time. We may, from time to time, run referral programs. 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. 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 GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. https://earnin .app. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. You do not meet one of the Boost feature qualifications. Pay Outs. If youve already reached your Daily Max or Pay Period Max we may decline to send you a payout under Balance Shield. Max Boost 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. To close your Tip Yourself Account, please contact us by emailing [email protected], using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. The revised version will be effective at the time we post it, unless otherwise noted. Security Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost. Palo Alto, California USA 94306. 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. Activehours offers Earnin Cash Back Rewards to allow you to receive cashback in the form of statement credits issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants. View more about Accessing the Earnin App Within the app, go to Cash Back Rewards, click on unenroll and confirm you want to unenroll the card. Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. App users can check their current daily and maximum pay period by tapping on "MAX INFO" in the app. Collection of Information from Children Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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. app.link/duqAHxi95ob. i got you, here is mine: https: //earnin. Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. Non-Personally Identifiable Information (Aggregated and Anonymized Data) Sharing Between Earnin Community Members and Referrals to New Community Members. Shine the Light 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. All Community Members may submit a deletion request regardless of state of residence. 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. This Privacy Policy describes the information Activehours, the company that offers services under the Earnin brand, collects about you, how we use and share that information, and the privacy choices we offer. Earnin may post a notice on the Earnin Site if a security breach occurs. You may access the terms of the custodial account deposit agreement at any time here. In such event, if you are a member to the Service, we will provide notice to you. Health Aid is for informational purposes only and does not guarantee any results. Specific Rights If we are unable to access funds from your bank account to complete a payment that is owed to Activehours, we will have no legal or contractual claim or remedy against you based on your failure to repay, however, you will be prevented from using the Services until you repay any outstanding balance owed to Activehours. 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. Sorry, this post was deleted by the person who originally posted it. Over time, based on a number of factors, a person's Max can adjust to range from $50 to $500. 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. At Earnin, we believe that visitors to the Earnin website and/or mobile application (Visitors) and Earnin Community Members (Community Members,) (herein, Visitors and Community Members are collectively referred to as you or your) deserve clarity and transparency as to how Earnin uses Personally Identifiable Information. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. 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). We may decline to extend a Pay Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. 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 create an account, you must be a resident of the United States or one of its territories, be at least 18 years old or the age of majority in your state of residence, have a Verified Employer, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. 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. Most of these features, when turned on, send a signal or preference (DNT Signal) to the websites you visit indicating that you do not wish to be tracked. As used in these Terms of Service, the words "you" and "your" refer to you, the user of Activehourss website, device, or applications, as the party agreeing to these Terms of Service. Please visit the One Click Politics Privacy Policy or the FiscalNotes Privacy Policy to learn more about how your information is shared. Do we send you push notifications with the option to opt out? There is a $250 cashback limit per transaction. Earnin Cash Back Rewards. Introduction These terms of service ("Terms of Service") constitute a legal agreement between you, and ActiveHours, Inc., d/b/a Earnin (Earnin) governing your use of the Site and the Services. Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. We believe that the world is a better place when we all help each other out. link/ OL59rhV4Gwb. 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. A Qualified Purchase is a purchase from a participating merchant using your debit or credit card in accordance with the terms of the Offer and these Terms of Service. 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. There is a $250 cashback limit per transaction. 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. In order to accomplish these business purposes described above, Earnin may disclose financial and/or Personally Identifiable Information to the following categories of third-party service providers: our bank partners, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. Opting out in this manner will not end transmission of Services related Messages. Over time, based on a number of factors, it can adjust to range from $50 to $500. Some of the Services offered by Earnin may be provided by third-party service providers. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. 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. If you are a California resident, you expressly waive California Civil Code 1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.". We may limit your Tip Yourself Account and your access to funds in it until such verification is completed. 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. The collection of this Personally Identifiable Information helps us deliver these additional services to you. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Tip Yourself Questions or comments about this information may be submitted by mail to the address below or you can contact us. 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. If you believe that your Registration Information or a device that you use to access any Site has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY [email protected]. Tip Yourself For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. 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. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service. We may decline to offer Balance Shield to you at any time if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. There are no fees to close your account with us. A Qualified Purchase is a purchase from a participating merchant using your debit or card in accordance with the terms of the Offer and these Terms of Service. 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 Activehours 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. Failed or rejected debits may be reinitiated at any time up to 150 days after the first debit. link/ZPxZyNSp3mb 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. We may place funds to enhance our business objectives and for balance sheet management without any benefit to you, including increased FDIC deposit insurance coverage. 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. Notwithstanding anything to the contrary in the Privacy Policy, Earnin and its third-party provider Empyr, will use Cash Back Reward transaction data solely: By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data as described above and herein by and among Earnin and Earnins third party service provider, applicable Payment Card Networks and applicable merchants. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. This Personal Information helps us deliver and improve the Earnin Site and Services. Identification of the Content that has been removed or to which access has been disabled and the location at which the Content appeared before it was removed or disabled; A statement that you have a good faith belief that the Content was removed or disabled as a result of mistake or a misidentification of the Content; and. We appreciate the tip if you can and however much you feel is fair- anywhere from $0-$14 for Cash Out and Max Boost. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself and Earnin Express, it does so pursuant to Evolve Bank and Trusts Privacy Policy, and such Personally Identifiable Information is not subject to this Privacy Policy. A "Qualified Purchase" is a purchase from a participating merchant using your registered card in accordance with the terms of the Offer and these Terms. This authorization will remain in effect until you update this information in the App. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. BY ACCESSING OR USING THE SITE OR THE SERVICES, OR ENROLLING IN EARNIN CASH BACK REWARDS YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. 200 Portage Ave 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. You must repeat this process for every card you wish to delete. Do Not Track Signals Balance Shield alerts can stay on indefinitely until you turn them off. Health Aid Earnin reserves the right to alter these UGC Terms of Use without advance notice by posting a revised UGC Terms of Use. Third party information, if combined with the data we collect through the Services, will be subject to this Privacy Policy. You can update your Profile information by clicking on the settings link after you login. 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. If you need help in changing your Profile information, please email us at [email protected] or live chat the Earnin team via the mobile app. The Sub-Deposit Account may not be transferred to another institution, except by us or the Insured Depository Institution. For example, Earnin may use this information to display ads on Services on third-party websites. By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data described above and herein by and among Earnin and Earnins third party service provider, applicable Payment Card Networks and applicable merchants. Active Hours, Inc. d/b/a Earnin Funds held in your Tip Yourself Account will remain in your Tip Yourself Account until you instruct us to transfer any or all of your funds from your Tip Yourself Account to your Bank Account by requesting such transfer in the app. Please visit the California Consumer Privacy Act section of this Privacy Policy for more information about rights you may have under California law. 15 Jan 2023 14:26:47 Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. 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