1. Earnin will send you an annual reminder that Balance Shield is turned on. 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. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) View more about Accessing the Earnin App Counter-Notice. 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. As used in these Terms of Service, the term "Site" includes all websites and all devices or applications that 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. You consent to receive SMS messages (including text messages), including prerecorded and artificial voice and autodialed from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Earnin account. This authorization will remain in effect until you update this information in the App. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. No Obligation to Repay. For example, we may use this non-Personally Identifiable Information to generate aggregate user statistics, create infographics and other data graphs, to train artificial intelligence models, for demographic information, or for usage information. California Consumer Privacy Act By using the Services, you agree that Earnin may communicate with you electronically. Your account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. Suite 300 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. 2. Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. We reserve the right to modify this information at any time. How We Use The Information We Collect Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Earnin will be treated as being non-confidential and nonproprietary, and Earnin will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. You may opt-out of Cash Back Rewards at any time by unlinking your cards. Please review it occasionally. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below. 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); Likes or interactions with the request notification using emojis; The number of Community Members you have provided Max Boosts to; The number of Community Members you have received Max Boosts from; The number of new Community Members you have created via referrals (i.e invitation program and the Max Boost referral link); Time till you have another Max Boost to use; The number of Max Boosts you have left to give; and, Sharing your First Name and Last Initial, as well photo or avatar with Community Members in the Pay it Forward chain, and. 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. You may also email us at privacy@earnin.com with any privacy related questions you may have. 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. 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. The Earnin Site may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices. How to Unenroll From Cash Back Rewards. 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. 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. 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. All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. 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. If you need help in changing your Profile information, please email us at support@earnin.com or live chat the Earnin team via the mobile app. 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. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. 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. (2)other sources of income that may include, but are not limited to, government-sponsored benefits, public or private retirement benefits,and other regularly-scheduled payments that you may receive. Not all Visa, MasterCard, and American Express cards are eligible for registration. Earnin accepts voluntary tips in appreciation for Services rendered. These factors may be changed at any time, at our sole discretion. For more information, see the Information from Third Parties Section. 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. Nothing in this section shall be deemed to prevent us from disclosing information to a third party if required by law. EARNIN 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 CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage. Does Earnin track your device location while you are not using the app? Can I use VPN to access the Earnin app? In lieu of charging interest and other fees, the app works on a voluntary tip system. 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. Telephone: (888) 510-1119 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. help; download. Follow the steps below to use the Boost feature (To learn more about Boost, click here).. Click the ASK A FRIEND button from Earnin's home screen. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. 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. Opting out in this manner will not end transmission of Services related Messages. If you are unsure or have questions please contact us by emailing support@earnin.com or using live chat with the Earnin team via the mobile app. Pay It Forward If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. It may be possible to disable some cookies through your device or browser setting. Do we send you push notifications with the option to opt out? Specific Rights You agree to maintain a balance that is sufficient to fund all payments you initiate. to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications; create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and. For example, we may use your information to pre-fill form fields on the Sites for your convenience. Summary of Information We Collect Activehours also allows you to access earned wages prior to payday in order to help you minimize overdrafts by automatically sending you a payout between $.01 and $100 every time we see that your bank account balance has fallen below $100 (Balance Shield). 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. These Terms of Service represents the entire understanding and agreement between you and Activehours regarding the subject matter of the same, and supersedes all other previous agreements. 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. If you have created an Earnin account, Health Aid allows you to submit your eligible medical bills to Earnins Health Aid team to learn about lower payment options for you with your medical providers. To establish the existence and condition of your Bank Account; To establish you are over the age of 18 and a resident of the United States; To determine your eligibility to use the Services; To enable our third party financial services partners to implement fund transfers; To connect with you if there is a problem related to a transaction you requested or to discuss a problem with your Earnin account; and. Required Identifying Information depending on the Service, we may require certain information to validate who you are, including but not limited to: Verified Employer- (1) that has a fixed work location in which you work out of and has an online/electronic timekeeping system, or is verified by any other means that we may permit; (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.) If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. 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. YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN. Palo Alto, CA 94306 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 Advocacy You should print a paper copy of these Terms of Service and any Communication that is important to you and retain the copy for your records. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. Notice. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personally Identifiable Information which we disclose or otherwise entrust to them. 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. https://earnin. Earnin may choose to share a portion of its Empyr publisher fee with 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. Sharing Between Earnin Community Members and Referrals to New Community Members. The Earnin Siite may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices. D. information collected when you use specific Earnin services. Information You Provide Do we give you advance notice when we make important changes to our Privacy Policy? You may enroll another payment card in Earnin Cash Back Rewards or deactivate your card in the other Empyr, Inc.-operated program. Vote. Service Specific Collection of Information: Earnin will also communicate with you outside One Click Politics or FiscalNote using email, SMS, text messages or push notifications (collectively Messages) about Earnins advocacy efforts, to request your input or participation in advocacy or other engagement on behalf of Earnin. The Terms of Service will always indicate the date it was last revised. 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. All funds associated with your deposit account are held by Evolve Bank & Trust. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. If at any time the opinions expressed in your submission change, you must notify use immediately; The Content does not include any confidential or proprietary information of any kind, whether belonging to you or to a third party; The Content does not include mention or performance of any copyrighted media production including but not limited to books, articles, photographs, artwork, music, etc., or identifying descriptions of any media property; The Content must not contain material that violates or infringes any third party's intellectual property, privacy or publicity rights. 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. Clearing the cache on your iPhone is pretty straightforward. 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). Palo Alto, California USA 94306. All Community Members may submit a deletion request regardless of state of residence. We reserve the right to charge your Bank Account at any time on or after the day the paycheck associated with the earned wages you have requested is expected to deposit into your Bank Account. We are only here for Boosts. 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. Cash Out. 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. This sharing enables portions of the Services that allows users to connect and communicate. Rewards will be available to payout 3-5 days after making a Qualified Purchase and each payout will take an additional 3-5 days to be reflected in your associated bank account. These transfers, including the placement transfer, will not appear on your monthly statement. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. 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. 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. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). https:// earnin.app. 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 must also have a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them. Some of the Services offered by Earnin may be provided by third-party service providers. 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. Once we have verified the Required Identifying Information that you provide to us, you will be able to begin using Earnins Services and Site. Max Boost allows you to request a Max boost from another Earnin member in the program (the "Grantor") by providing you a unique link to send to the Grantor; and if the Grantor approves the request you will get a temporary $50 pay period Max increase which you can then Cash Out. 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. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. You agree that our third-party service providers and the operators and owners of the third-party websites will be entitled to rely on the foregoing authorization granted by you. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. Shine the Light 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. i dont need a boost but i have a boost or 2 to give Press J to jump to the feed. If your use of the Site and/or the Services is prohibited by applicable law, then you are not authorized to use the Site and/or the Services. Advocacy You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. If we communicate with you via Messages, we may collect information regarding the communications, such as email opening confirmations, read text message data or received push notification data. For more information on FDIC insurance coverage, please visit www.FDIC.gov. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. 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 offer you opportunities to use new Services or features that we believe may be of interest to you. 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. 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.