Do we track your device location while you are not using the app? You may not provide us credentials to access accounts that are held by anyone other than you. If you generally fail to maintain a balance in your bank account that is sufficient to cover your repayment of a Pay Out, we may decline to allow you to obtain a Pay Out for as long as we determine to be necessary or appropriate. You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: If any portion of these Terms of Service is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms of Service as a whole will not be deemed unlawful, void or unenforceable, but only that portion of these Terms of Service that is unlawful, void or unenforceable will be stricken from these Terms of Service. Palo Alto, CA 94306. 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 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 may not use the Site or Services, or accept these Terms of Service, if. You will defend, indemnify and hold harmless Activehours and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of these Terms of Service by you. For non-California residents, we will respond to your request as soon as we are able to. 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. Max Boost Do we delete your data when you request an account deletion. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. You agree that Activehours will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Sites or Services. You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (Profile Information). ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU. How We Use The Information We Collect 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. Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. As used in these Terms of Service, the term "Site" includes all websites, devices, and/or applications we operate that link to these Terms of Service, pages within each such website, device, or application, any equivalent, mirror, replacement, substitute or backup website, device, or application, and pages that are associated with each such website, device, or application. 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. Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards. 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. Create an account to follow your favorite communities and start taking part in conversations. 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. 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. We also use some of this information to improve our 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. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. If you choose to share your contacts with Earnin, Earnin will, in accordance with your instructions, access and store your contacts information in order to identify connections and help you connect with them. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. As used in these Terms of Service, the term "Site" includes all websites, devices, and/or applications we operate that link to these Terms of Service, pages within each such website, device, or application, any equivalent, mirror, replacement, substitute or backup website, device, or application, and pages that are associated with each such website, device, or application. We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. Why is Earnin available in the U.S only? Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE. Will return immediately. Non-Personal Information (Aggregated and Anonymized Data) You agree that Activehours and its Third Party Service Providers may view your transactions. 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 must provide true, accurate, current, and complete information about your accounts maintained at Third Party Sites (Account Information), and you may not misrepresent any Account Information. In some circumstances, we may work with third parties to provide services on our Website. You may designate an authorized agent to make a request on your behalf. 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. Lightning Speed. Not all Visa, MasterCard, and American Express cards are eligible for registration. Advocacy 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. However, you must contact us directly in order to correct certain information, such as your email address. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin and advocacy efforts with third parties or third-party goods or services. If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. Collection of Personally Identifiable Information In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Do we share or sell aggregate information? 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. You may also contact us with any privacy related questions you may have. 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. Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Boost for boost will boost back immediately, Boost for Immediate Boost Back! 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. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. Great community app for helpers. Your financial situation is unique. 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. 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 Source of Income, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. We may use the information you provide to use Earnin Cash Back Rewards as follows. You may also contact us with any privacy related questions you may have. There is a $250 cashback limit per transaction. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. (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. Shine the Light Any pending credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Earnin. https://earnin.app.link/Pedro3497, If you are a earnin user who has cashed out, all I need is to get in contact with you so I can send you a text to increase my max limit I can take out of my earnings. Activehours reserves 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 are expected to deposit into your account; however, Activehours will attempt to avoid charging your bank account if we believe your bank account does not contain sufficient funds to cover repayment of a Pay Out or payout for Balance Shield in the pay period. No Boost for Boost. In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Can I use VPN to access the Earnin app? If you're a Firefox devotee, don't worry. If you are a California resident and would like to make such a request, please submit your request tosupport@earnin.com. Reddit and its partners use cookies and similar technologies to provide you with a better experience. The purpose of this Privacy Policy is for you to understand how we collect and use your information, your privacy rights, and what information Earnin is required to keep. General Information When you request a Cash Out, Max Boost or Balance Shield, you warrant that the earned wages being cashed 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. we may close, suspend, or limit your access to your account or ability to use the Sites or Services; we may update inaccurate information you provided us; we may decline to allow you to use the Sites or Services in the future; we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and. 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. This section explains how Earnin shares your information. You may opt-out of Cash Back Rewards at any time by unlink your cards. Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service. We are under no obligation to place your funds with an Insured Depository Institution. The world works best when people help each other, so we put the power to help the community by raising pay period Max in your hands. 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. We strive to ensure security on our systems. and Evolve Bank & Trust, an Arkansas-chartered depository institution. By entering your payment card information, you authorize Activehours to share your payment information with its third-party service providers (including Empyr, Inc.) and your Payment Card Network (Visa, Mastercard, American Express, etc.) Does Earnin sell you Personally Identifiable Information? Specific Rights Location information: You may also be asked to provide geolocation information to confirm your earnings. link/ OL59rhV4Gwb. All terms, provisions and agreements set forth in the Account Agreement are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. link/ZPxZyNSp3mb. 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 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. Making a Boost request will increase your pay period Max beyond your net pay on payday. Within the app, go to Cash Back Rewards, click on unenroll and confirm you want to unenroll the card. If you do not provide this information or we cannot verify your identity, we can decline to allow you to use the Services. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. 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. 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. Pay It Forward Can Earnin app be used outside of the U.S? Information from Third Parties Health Aid. 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. https://earnin.app.link/Pedro3497 If you are a earnin user who has cashed out, all I need Our websites located at: https://www.earnin.com, and all of our other websites where this Privacy Policy is posted (collectively the Website); If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. https://earnin. Activehours reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice, including Pay Outs, Balance Shield, Medical Bill Review and Earnin Cash Back Rewards. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and. You may submit your Content so long as you wholly own the Content and none of the materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights or otherwise injurious to third parties or objectionable. 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. 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 privacy@earnin.com. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. Cash Back Rewards. No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness. Confirm you want to unenroll card You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible. All such information is governed by Evolve Bank & Trusts Privacy Policy. These voluntary additional payments help fund Activehours. You may close your account and terminate your relationship with us without termination fees. https://earnin. you will reimburse Activehours for any fees we incur in attempting to debit the amount of the failed transaction from you. Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personaly Identifiable Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law. By responding #YESEARNIN, you are agreeing to provide Earnin with Content, such as product reviews, comments, ideas, photographs, and videos through your providing agreement through any other social media site. 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 agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). 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 . You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. 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. The authorization will remain in effect until you update this information in the App. We may also decline to offer Balance Shield to you at any time, without prior notice, if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the Services. 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. 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. You hereby consent to personal jurisdiction and venue in the state and federal courts located in the County of Santa Clara, California. THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES. Information We Collect Automatically By submitting documents, including documents containing medical and insurance information, for Medical Bill Review, you agree that you are disclosing the documents to Activehours and expressly authorize Activehours to review the contents of each document. Information, such as your email address protected by physical, electronic and procedural safeguards in compliance with.. 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