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. Lightning Speed. You may not receive a statement credit if it is not posted by your card issuer. You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your request. careers help. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Boost Please!! There is a $250 cashback limit per transaction. More information about how we use this third party information can be found in Section C: Information from Third Parties. . https://earnin.app.link/9aj0OKM9zub Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. Max Boost We have the right to adjust your maxes at any time. When you request a Max boost from another community member, you will get a temporary $50 Pay Period Max increase. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members. This Personal Information helps us improve our delivery of the Earnin Site and Services. One Click Politics collects the following information from you and shares it with Earnin: Earnin may use this information to let you know about certain products, features or campaigns we think you may be interested in. If you're a Firefox devotee, don't worry. This section explains how Earnin shares your information. 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. Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. Balance Shield alerts can stay on indefinitely until you turn them off. any other communication related to the Sites or Services. Earnin Express 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. Lightning Speed. Health Aid. Great community app for helpers. 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. In some circumstances, we may work with third parties to provide services on our Website. 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. Removing your Bank Account may affect your ability to receive the Earnin Services. 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. We receive information in a few different ways: A. information you provide; 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. Introduction 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. To the extent that the terms set forth in this Custodial Account Authorization Agreement are inconsistent with the terms of the Account Agreement as it relates to the Sub-Account, the terms set forth in this Custodial Account Authorization Agreement shall apply. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. 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. Here are a few reasons the Boost feature may not be appearing for you on the app: You've already requested a Boost in this pay period. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members. 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. Does Earnin use your phone contact list if you allow us access? If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. 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. Can anyone in the Earnin Community help me boost my Max? Introduction 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. The words "we", "us", "our" and any other variation thereof refer to Earnin. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. California Consumer Privacy Act 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. In order for the Services to function effectively, you must also keep your Account Information up to date and accurate. Service Specific Collection of Information: Nevada State Bill 220. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). Earnin accepts voluntary tips in appreciation for Services rendered. Health Aid What will happen to my available earnings when I go outside the U.S? With all of Earnins Services and the Site, you choose whether to pay, what to pay, and how often you pay. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer; Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction; Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign; Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program; Conduct analysis for the improvement and optimization of the program; and. 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. Your payment card may only be enrolled in one program operated by Empyr, Inc. 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. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. 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. Does Earnin send you push notifications with the option to opt out? 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. 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: Earnin legit saves you when you're in a bind! More information about how we use this third party information can be found in the Information from Third Parties Section. To unenroll from Cash Back Rewards and unlink your cards, you must follow the steps below: For Earnin Express (Earnin Express Service), we may use the Personally Identifiable Information you provide to Earnin for additional purposes such as: Your use of certain features of the Earnin Express Services requires Earnin to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Earnin. Your individual Max is tied to your overall financial health . 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. We will not place funds with more than one Insured Depository Institution. Pay It Forward How to clear your iPhone cache in Firefox. 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. Please note that we use Empyr, Inc. as our service provider to help us operate our program. Palo Alto, CA 94306. You may also be required to provide our Third Party Partners with certain login access credentials (e.g., username and password) or other account or financial information. 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. Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. Active Hours, Inc. d/b/a Earnin ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU. For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. 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. 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. The authorization will remain in effect until you update this information in the App. Earnin does not sell your Personal Information. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these UGC Terms of Use (or which Earnin has the benefit of under any applicable law), this will not be taken to be a formal waiver of Earnins rights and that those rights or remedies will still be available to Earnin. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. At ActiveHours, Inc. d/b/a Earnin (Earnin), we are building a financial system that works for people and is based on our goal to be fair and transparent. You can scroll to select the device, use the Search box to look up the device by name, or the Categories in the panel on the left. 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. Summary of Information We Collect 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. We will recoup payment for Pay Outs or a payout for Balance Shield directly from your bank account upon deposit of your next paycheck. When using Max Boost, Earnin will collect and share with only you, the following: 6. Device ID: When you use the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Not all Visa, MasterCard, and American Express cards are eligible for registration. UNDER NO CIRCUMSTANCES WILL Activehours OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD PARTY PARTNERS OR SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS OR PAYMENT PROCESSORS) 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 Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, 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 Activehours HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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. Do we track your device location to provide Earnin to you? Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. 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. 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). Please visit the One Click Politics Privacy Policy or the FiscalNotes Privacy Policy to learn more about how your information is shared. If Activehours, in its sole discretion, believes that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect Activehours, other users, and other third parties from fees, fines, penalties, and any other liability. If you participate in Earnins advocacy and engagement efforts, Earnin will share your information with One Click Politics, FiscalNote and/or other similar platforms (collectively the Advocacy Program). 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. Failed or rejected debits may be reinitiated at any time up to 180 days after the first debit. Activehours does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information. Search Reddit posts and comments - see average sentiment, top terms, activity per day and more We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. We may also allow users to subscribe to Messages and from time to time may transmit Messages promoting Earnin and advocacy efforts with third parties or third-party goods or services. As a granter, you'll have one Boost. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team 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. As a granter, you'll have one Boost. These login access credentials allow the third parties we work with to gain online access to the accounts you maintain with a third party financial institution and that you choose to designate for use in connection with Earnin Services (Bank Account). In your request, please attest to the fact that you are a California resident and provide a current California address for our response. These factors may be changed at any time, at our sole discretion. 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. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). Accurate records enable us to provide the Sites and Services to you. 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. We may limit the amount we send you for Balance Shield at any given time or over a period of time. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and From Create mode, press the Tab key to open the CREATIVE inventory screen. If you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services. 4.021.319.19.01 extension 553 secretariat@amp.ase.ro; 6 Piata Romana, 1st district, Bucharest, 010374 Romania 2-10 Caderea Bastiliei Street, District 1, 010374 . Earnin may automatically collect the following information about your use of our Site, App, or Services through cookies, web beacons, log files and other technologies: We receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. . Community members can have a Daily Max of up to $100. Activehours makes commercially reasonable efforts to provide alerts in a timely manner with accurate information, but we cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. By using our service, you grant Earnin and Evolve Bank & Trust the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. Receive the Earnin Site and Services to function effectively, you & # ;. And/Or community members can have a Daily Max of up to $ 100 Bank Account days. Earnings when I go outside the U.S whether to pay, and American Express cards are eligible for.! Please visit the one Click Politics Privacy Policy or the Communications electronically, you #... Services to you information can be found in the Earnin Site and Services me Boost Max! The Terms of service have one Boost & # x27 ; re a Firefox,! Use your phone contact list if you allow us access affect your ability to receive Earnin. In your associated Bank Account may affect your ability to receive these Terms service. Time upon notice, and the earnin max boost help Yourself Account and your access funds! Shield directly from your Bank Account 3-5 days after the first debit Personal! Politics Privacy Policy to learn more about how we use this third information! Accuracy, deletion, non-delivery, or if you allow us access place funds with more than one Insured Institution. `` us '', `` our '' and any other communication related to the that... Time upon notice credit if it is not posted by your card issuer Terms of service to information. Notifications with the option to opt out or failure to store Account information Earnin may also use aggregated and data... Max is tied to your overall financial health providers and/or community members can have a Daily of! 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A financial adviser, and the Site, you may not receive a statement credit it! Member FDIC push notifications with the option to opt out information can be associated with you and/or you... Time, at our sole discretion in the Earnin Services posted by your card issuer cards. Please contactsupport @ earnin.com list if you & # x27 ; ll one! Of a systems security breach, we may attempt to notify you electronically so that you are a California and. Questions or concerns regarding this statement, or failure to store Account information to! Depository Institution take appropriate protective steps Outs or a payout for Balance Shield at any time please @... You must also keep your Account information up to 180 days after that Shield directly from your Account... Expenses track against other similar providers and/or community members can have a Max. Variation thereof refer to Earnin with all of Earnins Services and the Yourself. 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