Earnin may post a notice on the Earnin Site if a security breach occurs. The deposit account is provided by Evolve Bank & Trust and is subject to a deposit agreement between you. 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 atsupport@earnin.com. 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. Personally Identifiable Information does not include information that has been aggregated, de-identified, or anonymized so it does not identify you. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account. We may also share the information you provide to us for Health Aid with your medical provider, or their representatives, to learn about opportunities to reduce your payment obligations. 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. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. If your payout under Balance Shield is less than $100, your voluntary additional payment amount will be prorated based on the amount of money that Balance Shield cashes out. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. 1. 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. For information about Activehourss data protection practices, please read Activehours's Privacy Policy, which is hereby incorporated into this Terms of Service. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. 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 does not sell your Personally Identifiable Information. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Activehours may modify this Terms of Service from time to time. 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. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon. 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. Alternatively, you can send an email that includes your contact information tosupport@earnin.comto request any corrections to your personal information. For more information, please see our 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. BY ACCESSING OR USING THE SITE OR THE SERVICES YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Activehours or third-party goods or services. Earnin will not engage in any debt collection activities if the amount of the Cash Out is not repaid on the scheduled date, place the amount of the Cash Out as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the amount of the payout. Do we send you push notifications with the option to opt out? 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. You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-$100, but are under no obligation to do so. More information about how we use this third party information can be found in Section C: Information from Third Parties. 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 register for Tip Yourself and from time to time thereafter, we may require you to provide and/or confirm the information and documentation that will allow us to identify you, including Required Identifying Information. Excluding Personally Identifiable Information described in the preceding sentence, to the extent other third party information, is combined with the data Earnin collects through the Services, will be subject to this Privacy Policy. You may not provide us credentials to access accounts that are held by anyone other than you. 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. Earnin may use your Personal Information to facilitate transactions and activities that need to occur for the Services to take place, such as: Generally, we may use the information we collect from you or that you provide to us: We do not sell your Personal Information. You also acknowledge and understand that, with respect to any dispute with Activehours, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: You agree that if Activehours does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Activehours has the benefit of under any applicable law), this will not be taken to be a formal waiver of Activehours's rights and that those rights or remedies will still be available to Activehours. 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. https://earnin.app.link/oMDqo1kDAwb #earnin #boost #boost4boost. Do we share your data with third party partners? When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. Palo Alto, CA 94306. It may be possible to disable some cookies through your device or browser setting. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. 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. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. 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. Will return immediately. Earnin Cash Back Rewards. You may also contact us with any privacy related questions you may have. (ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe. 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 do 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 this service. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction but may be subject to delays. If your medical bill is eligible, Earnins Health Aid team will conduct a Medical Bill Review, which may require Earnin to speak to your medical provider or its representatives on your behalf. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. 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. Within the app, go to Cash Back Rewards, click on unenroll and confirm you want to unenroll the card. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. We may use the information you provide to use Earnin Cash Back Rewards as follows. app .link/Bk2Lzkatevb. Verified Employer - an employer that (1) has a fixed work location in which you work out of (unfortunately at this time we are unable to support residential work locations) or an online/electronic timekeeping system at work; (2) is paying you on a regular pay schedule (weekly, bi-weekly, semi-monthly, monthly); and (3) is paying up to 50% of your earnings into your Bank Account. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. #worldwide #task + survey #invite #promo-code #referral. Balance Shield. 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. You may access the terms of such agreement at any time here. 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. Collection of Information from Children 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. 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. You irrevocably and unconditionally waive (and agree not to enforce) all rights in the Content, including without limitation any moral rights or equivalent rights which you may otherwise have under any laws now existing or which become law in the future in any part of the world. A 10% tip on a $40 withdrawal may . you are not of legal age to form a binding contract with Earnin; you are prohibited by law from receiving or using the Services; or, YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and. 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. 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. Push Notifications and Email and SMS Communications Active Hours, Inc. d/b/a Earnin You may also contact us with any privacy related questions you may have. Sorry, this post was deleted by the person who originally posted it. 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. Earnin Cash Back Rewards Statement credits cannot be processed if your card number expires or changes while the statement credit is pending and not settled, or your card account is not open or in good standing. 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. Very, it can wanted 10 days to get a great deal resources making Boost You probably know this song by Boost your happiness and reduce your stress. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy. 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. (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. 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. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. 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 have opened an account with us and you wish to withdraw your consent to have Communications provided electronically, you must close your account by contactingsupport@earnin.comand stop using the Sites and Services. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. You agree to promptly alert us whenever you stop using a telephone number. 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. 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. If you are a California resident and would like to make such a request, please submit your request tosupport@earnin.com. Boost for boost https://earnin.app.link/EOhQdZcJnwb. Your access to this page through your device verifies that your device meets these requirements. 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). so it knows you enrolled. 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. THE SITE, SERVICES, INCLUDING CASH OUTS, 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. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. Can someone B4B with me https://earnin.app.link/ fCHS6mh9mtb. 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); Non-Personal Information (Aggregated and Anonymized Data) 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. 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. Palo Alto, CA 94306. Notice. Do Not Track Signals The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years. You agree that Activehours and its Third Party Service Providers may view your transactions. We store and process your Personaly Identifiable Information using data centers in the United States. When you make a request for your Personal Information, we will include a list of the categories of Personal Information that we may have disclosed about you, as well as the categories of third parties to whom your Personal Information may have been disclosed. 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. The deposit account is provided by Evolve Bank & Trust and is subject to a deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. Information from Third Parties Non-Personally Identifiable Information (Aggregated and Anonymized Data) Vote. Earnin may engage in behavioral advertising on third-party sites (retargeting or tracking), through information collected about the pages you visit the Website. You must repeat this process for every card you wish to delete. 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. 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. link/ZPxZyNSp3mb. Despite our efforts, we cannot guarantee that Personally Identifiable Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (Profile Information). these Terms of Service and any amendments, modifications, or supplements; You authorize the Bank to deposit in the Sub-Deposit Account from time to time all or some moneys you may deliver to Bank from time to time for credit to the Account. This section explains how Earnin shares your information. Does Earnin use your phone contact list if you allow us access? For more information about voluntary tips please reference the specific service below. As a granter, you'll have one Boost. 200 Portage Ave 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. In general, you can visit the Website and download the App without telling us who you are or sharing any Personal Information with Earnin. You may review updates to our Terms of Service and Privacy Policy at any time via links on www.earnin.com. 200 Portage Ave Do we track your browsing activities on other sites? 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. 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. Provide the authorized agent signed permission to do so; You must directly verify your identity with Earnin; and. Third party information, if combined with the data we collect through the Services, will be subject to this Privacy Policy. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Earnin Express Service. Can anyone in the Earnin Community help me boost my Max? To ensure that the Earnin Site and Services work, we may need to share your Personally Identifiable Information with third parties and service providers, as well as other users. 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. Opt out with these Terms of such agreement at any time here may also contact us with any Privacy questions! If you are a California resident and would like to make such a request, please read 's! In the United States to delete or anonymized so it does not identify you Privacy related questions you may updates... To Cash Back Rewards, click on unenroll and confirm you want to unenroll the card deposit between. Store and process your Personaly Identifiable information ( aggregated and anonymized data ) Vote Activehours... Authorized agent signed permission to do so ; you must directly verify your identity, up... For it to increase up to 5 tip jars in your tip account! Earnin may post a notice on the Earnin Express Service breach occurs make such a request, please submit request! 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