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. We like putting you in control. Cash Out. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. Earnin may choose to share a portion of its Empyr publisher fee with Earnin Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice. All Communications in either electronic or paper format will be considered to be "in writing." Earnin does not deny Services, provide different quality of Services, offer its products at a different price, limit your eligibility for products, or otherwise discriminate against you because you exercise any rights conferred by the CCPA. How to Unenroll in Cash Back Rewards. Please note that while tips are non-refundable, if you need help in changing your tip amount, please live chat the Earnin team via the mobile app. 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 strive to ensure security on our systems. You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. Pay It Forward Such other information and documentation that we may require from time to time. App users can check their current daily and maximum pay period by tapping on "MAX INFO" in the app. California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. 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. Activehours also allows you to submit your medical bills (including, medical, dental and vision) to Activehourss medical billing negotiators to negotiate lower payment options with your medical providers (Health Aid, formerly known as MediPal). For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, a Arkansas-chartered depository institution. We will have no legal or contractual claim or remedy against you based on your failure to repay, however, if we are unable to access funds from your bank account to complete a payment that you authorized Activehours to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Activehours. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service. 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. 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. 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. There is a $250 cashback limit per transaction. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the, Activehours uses MX Technologies (MX) to gather End Users data from financial institutions. No Boost for Boost. 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. How can I request that Earnin delete my data? 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 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. Can anyone in the Earnin Community help me boost my Max? Questions or comments about this information may be submitted by mail to the address below or you can contact us. You may also contact us with any privacy related questions you may have. 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. Health Aid is for informational purposes only and does not guarantee any results. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. You agree to promptly alert us whenever you stop using a telephone number. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. 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. If youd like to receive your Cash Out from Earnin into your Bank Account more quickly, you might consider using Lightning Speed. Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnins Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively Messages). We store and process your Personal Information using data centers in the United States. 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. Pay It Forward When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information the third party vendors provide to enhance your use of the Earnin Services. Telephone: (888) 510-1119 Community members may start between a $50 to $250 Pay Period Max. Can anyone in the Earnin Community help me boost my Max? There is no fee or charge to use Balance Shield alerts. by requesting a Cash Out prior to when that income is deposited into your Bank Account, by requesting a Cash Out. We may also send you Messages (e.g., announcements, newsletters, promotional materials) about the Services, Earnin, or third-party products and services that we think might be of interest to you. Activehours will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert. This temporary Max Boost will expire at the end of the pay period. 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. There are no required fees to obtain a Cash Out, Max Boost, set alerts for a Balance Shield or set a manual Balance Shield Cash Out, use Health Aid, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. Confirmed: Marsch makes Maximilian Wober decision as Cardiff City v Leeds United lineups emerge. 260 Sheridan Ave, Suite 300, Earnin may share information about or from you with these third-party service providers so that they can perform the requested services or complete your requests. More information about how we use this third party information can be found in Section C: Information from Third Parties. For good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you hereby irrevocably grant to Earnin, as well as its respective licensees, successors and assigns (herein collectively called the "Licensed Parties"), the worldwide, fully-paid, royalty-free, sub-licensable right during Earnins use of the Content (License Term) to use, publish, broadcast, post online, and copyright : (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 MISCELLANEOUS. Banking Day- means Monday through Friday, excluding federal banking holidays. 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. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, IS AT YOUR SOLE RISK. Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. 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. In general, you can visit the Website and download the App without telling us who you are or sharing any Personally Identifiable Information with Earnin. This policy explains how Activehours treats your personal information when you use the Service. If you do not provide this information or we cannot verify your identity, we can decline to allow you to use the Services. 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 Earnin Site and Services. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. Without limiting the foregoing, no Content on the Site or in the Services may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Earnin. If we, in our sole discretion, have reason to believe that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect ourselves, other users, and other third parties from fees, fines, penalties, and any other liability. You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Opting out in this manner will not end transmission of service-related emails, such as email alerts. These Terms of Service represents the entire understanding and agreement between you and Earnin regarding the subject matter of the same, and supersedes all other previous agreements. Do we send you push notifications with the option to opt out? Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response. Do we use your phone contact list if you allow us access? Balance Shield. You will not receive any written confirmation of the establishment of the Sub-Deposit Account or transfer of funds to or from the Sub-Deposit Account; instead, we will maintain records clearly indicating the transfer and beneficial ownership of the Sub-Deposit Account. Pay Outs. 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. No system, however, is perfectly secure and, therefore, we recommend that, when you register for our Site and use our services, you take reasonable steps to secure your personal information, including using use a unique password that you do not use on other Sites. Reddit and its partners use cookies and similar technologies to provide you with a better experience. This Personal Information helps us deliver and improve the Earnin Site and Services. Earnin may use this information to let you know about certain products, features, campaigns, or advocacy efforts we think you may be interested in. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. https:// earnin.app. 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. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon. If you choose to enable Balance Shield Cash Out to activate automatically, Balance Shield Cash Out will stay on indefinitely until you turn it off. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. Activehours may collect the following categories of personal information about you, including but not limited to the following: Registration Information: When you register for a Service, you will be asked for basic registration information, such as an email address and password. Boosts you grant and their associated debits do not affect your own pay period Max. Tip Yourself 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. There are no fees or costs associated with Tip Yourself. Summary of Information We Collect Although there are two or more accounts associated with your funds (the account maintained with us, referred to as the Account, and the Sub-Deposit Account), your Account is considered a single account for your deposits and withdrawals, as well as for tax reporting, balance requirement, service charge, monthly statement and FDIC deposit insurance purposes. You may obtain information about the balance of funds in your Tip Yourself Account at any time in the app. Earnin collects Personally Identifiable Information when you use the Earnin Site and Services. Notice. Security The categories of Communications that may be provided by electronic means include: You may also have the opportunity to receive a temporary one-time Max Boost if you send the unique link to a non-Earnin member and they decide to sign-up for an Earnin account. 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