You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. Opting out in this manner will not end transmission of service-related Messages. For example, we may use this non-Personal Information to generate aggregate user statistics, train artificial intelligence models, demographic information, and usage information. 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. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and 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. 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. Fees may apply to Lightning Speed in some instances. If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. 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. Boost for Boost. First Name and Last Initial of the Community Members asking for and granting a Max Boost. You may access the terms of such agreement at any time here. Generally, Balance Shield Cash Out will need be turned on manually after each Balance Shield Cash Out, however, setting a voluntary tip ($1.50-$14.50) triggers Earnin to automatically keep Balance Shield Cash Out on even after a Balance Shield Cash Out. This Privacy Policy describes the information Activehours, the company that offers services under the Earnin brand, collects about you, how we use and share that information, and the privacy choices we offer. 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). It may be possible to disable some cookies through your device or browser setting. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13. 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 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 to provide an update and/or request further information from you. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. Does Earnin need your device location for the service to work? Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. 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. 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 has been a great help for me. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed. The use of the word "including" in these Terms of Service to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered. 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. Earnin Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the Merchant at the time of purchase, and will instead be reflected as part of the aggregate amount received from Earnin. How can I request that Earnin delete my data? Pay It Forward 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. 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. Activehours, Inc. d/b/a Earnin 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. Will return immediately. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy and what information Earnin is required to keep. 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. Not all Visa, MasterCard, and American Express cards are eligible for registration. 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. You represent and warrant that you have the right to authorize us to credit and debit your Bank Account for credits you request and payments you authorize under these Terms of Service, and you agree to indemnify and hold us harmless from any claims by any other owner of the account. an agreement to resolve disputes in small-claims court, Consent to Receive Electronic Disclosures (E-Sign Disclosure and Consent), Accuracy of and Changes to your Information, Disclosure and Consent to Electronic Communications, Modification to Site or Terms and Services, Activehours's Intellectual Property Rights, Disclaimer of Presentation and Warranties, Collection of Personally Identifiable Information, Service Specific Collection of Information, Non-Personally Identifiable Information (Aggregated and Anonymized Data), Push Notifications, Email and SMS Communications, information Earnin collects automatically, information Earnin collect from third parties, information collected when you use specific Earnin services, Non-Personal Information (Aggregated and Anonymized Data), Push Notifications and Email and SMS Communications, PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS. There is no fee or charge to use Balance Shield alerts. When you use the Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personally Identifiable Information with the Requestor or Grantor: When using Max Boost, Earnin will collect and share messages and community participation such as: When you Pay It Forward, Earnin may use the Personally Identifiable Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personally Identifiable Information Earnin collects for additional purposes such as: Some Personally Identifiable Information is public information (including your first name and the first initial of your last name, profile photo, and public tip reasons you decide to share), and may be seen by anyone accessing the Tip Yourself Service on the App, by any Tip Yourself logged in user. YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN. any other communication related to the Sites or Services. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ENROLL IN EARNIN CASH BACK REWARDS, ACCESS OR USE THE SITE OR THE SERVICES. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. 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. 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. Evolve Bank & Trust. For more information on FDIC insurance coverage, please visit www.fdic.gov. 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. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. Does Earnin delete your data when you request an account deletion. Earnin may use and store the content for the purpose of providing the Service to you. 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. (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. Non-Personal Information (Aggregated and Anonymized Data) 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. It is important to know the amount of available funds in your Sub-Deposit Account before instructing us to withdraw funds from your Sub-Deposit Account. When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. For California residents, Earnin will respond to your information or deletion request within 45 days, though we may request an additional 45 days if needed. Web beacons are electronic images that may be used in our Services or emails. Nevada State Bill 220. Sharing Between Earnin Community Members and Referrals to New Community Members. There are no fees to close your account with us. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. terms of . Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. If you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services. 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. Just follow these steps. Summary of Information We Collect 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. link/ZPxZyNSp3mb. There are no fees or costs associated with Health Aid. 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: At Earnin, we care about the financial well-being of all our community members. However, when you register for an account and become a Community Member to use the Services and/or communicate with Earnin, we may ask you to provide certain Personal Information to us, to identify you, such as: In order to use the Services, Community Members (registered users of Earnin Services) may be required to provide our Third Party vendors with certain login access credentials (for example, username and password). If you participate in Earnins advocacy and engagement efforts, Earnin will share your information with FiscalNote and/or other similar platforms (collectively the Advocacy Program). https://earnin .app. If you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services. Can Earnin app be used outside of the U.S? Earnin accepts voluntary tips in appreciation for Services rendered. If you have consented to participate in Earnin Cash Back Rewards, please visit the Terms to learn more about the data collection, use, and sharing practices in connection with the program. The categories of Communications that may be provided by electronic means include: You understand that, in order to view and/or retain copies of the electronic Communications, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome). You agree to maintain a balance that is sufficient to fund all payments that you initiate. we may hold you liable to Activehours for the amount of Activehours's damages caused by your violation of these Terms of Service. How can I request that Earnin delete my data? 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. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. This policy explains how Activehours treats your personal information when you use the Service. This authorization will remain in effect until you update this information in App. What is a Max? When you register for an account and become a Community Member (a registered user of Earnin), use the Services and/or communicate with Earnin, we may ask you to provide certain Personally Identifiable Information to us, to identify you, such as: In order to use the Services, Community Members may be required to provide us with Bank Account information. Earnin Cash Back Rewards. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Health Aid. This policy applies to information we collect when you register for Activehours, access or use our website, mobile applications, products, and services (collectively, the Services), or when you otherwise interact with us. Does Earnin share your data with third party partners? Any pending statement 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 Activehours. 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. Your individual Max is tied to your overall financial health . Notwithstanding anything to the contrary in the Terms and Conditions or Privacy Policy, Activehours and its third party service providers will use transaction information solely as follows: We may share personal information about you as follows: We take reasonable measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. Can anyone in the Earnin Community help me boost my Max? Earnin may post a notice on the Earnin Site if a security breach occurs. For all of Earnin Services, you agree that any form of electronic signature, including but not limited to signatures via facsimile, scanning, or electronic mail, may substitute for the original signature and shall have the same legal effect as an original signature. Olly Dawes. If you wish to revoke your authorization, you may do so by contacting support@earnin.com at least three business days before the day the transaction is scheduled and stop using the Sites and the Services. Balance Shield alerts can stay on indefinitely until you turn them off. The Licensed Parties reserve the right to remove any Content. 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. The revised version will be effective at the time we post it, unless otherwise noted. 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 only have one account with Earnin. 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. 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. Collection of Information from Children All content included or available in connection with the Sites, 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 Activehours or the licensors or suppliers of Activehours and is protected by U.S. and international copyright and other intellectual property laws. Privacy Policy. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. A "Qualified Purchase" is a purchase from a participating merchant using your registered card in accordance with the terms of the Offer and these Terms. You are not required to pay any fees or charges to use the Services. I used payday loans a lot with high interest rates however with Earnin community I save and I gain. If Earnin, makes changes to this information, the updated information will be posted on the Earnin Site. 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 Service is not sponsored or endorsed by any third parties accessible through the Service. Your access to this page through your device verifies that your device meets these requirements. You may not receive a statement credit if it is not posted by your card issuer. This Privacy Policy does not apply to third party products or services and/or companies Earnin does not own or control. Opting out in this manner will not end transmission of service-related Messages. Unfortunately, not all medical bills are eligible for Health Aid. Your financial situation is unique. Information We Share We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Does Earnin use your phone contact list if you allow us access? By using the Services, you agree that Earnin may communicate with you electronically. 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. Sorry, this post was deleted by the person who originally posted it. Earnin may use this information to let you know about certain products, features, campaigns, or advocacy efforts we think you may be interested in. We store and process your Personaly Identifiable Information using data centers in the United States. We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties. For example, Earnin may use this information to display ads on Services on third-party websites. Any termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you. We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account on the day of your next regularly scheduled paycheck. Max Boost 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. Can anyone in the Earnin Community help me boost my Max? We believe that the world is a better place when we all help each other out. You agree that you will not receive interest or other earnings on the funds in your Tip Yourself Account. These voluntary additional payments help fund 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. You may make voluntary additional payments in appreciation of the 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. We do not share your Personal Identifying Information with third parties for the third parties own and independent direct marketing purposes unless we receive your permission. Palo Alto, California USA 94306. Health Aid Pay It Forward 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. More information about how we use this third party information can be found in Section C: Information from Third Parties. https://earnin. Can anyone in the Earnin Community help me boost my Max? 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. When you provide your Authorized 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. In some circumstances, we may work with third parties to provide services on our Website. By using the Earnin Express Service, 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. Make sure everyone feels safe. 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. Boost for boost. Do we track your device location while you are not using the app? You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. Tel. If you believe that your Content has been copied in a way that constitutes copyright infringement, you may provide us with written notification of your claim in accordance with the requirements of the U.S. Digital Millennium Copyright Act of 1998 by emailing legal-notices@earnin.com or sending Earnin a physical notification at: ActiveHours, Inc. d/b/a Earnin Service Specific Collection of Information: 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. 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. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Nevada State Bill 220. Removing your Bank Account may affect your ability to receive the Earnin Services. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. 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. Pay It Forward All Community Members may submit a deletion request regardless of state of residence. If you believe that either your credentials or a device that you use to access the Site and/or our Services 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 at support@earnin.com or live chat the Earnin team via the mobile app. 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. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. Press question mark to learn the rest of the keyboard shortcuts. Earnin respects the intellectual property of others and asks that you do the same. By using the Services, you agree that Earnin may communicate with you electronically. Activehours 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. Shine the Light Vote. You agree that you will not receive interest or other earnings on the funds in your Sub-Deposit Account. May only provide third party information can be found in Section C: from! From a child under the age of 13 save and I gain you update information... 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