This policy explains how Activehours treats your personal information when you use the Service. In order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. Note that we will only process one request per individual at time. Information from Third Parties These voluntary additional payments help fund Activehours. hey, do you still need one? You are responsible for any costs or damages related to the timing of authorization revocation. Earnin does not sell your Personal Information. You may only have one account with Earnin. You do not meet one of the Boost feature qualifications. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. Information Collected by Cookies and Web Beacons: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. 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. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. We may share Earnin Cash Back Rewards transaction data as follows: With the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; With participating merchants or Third Party Service Providers as 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. The Tip Yourself Service allows you to better track and meet your savings goals by allowing you to authorize one-time and/or recurring transfers from your Bank Account to your Tip Yourself Account. You agree to maintain a balance that is sufficient to fund all payments you initiate. You may only designate one deposit account at your depository financial institution (your Checking Account) to transfer funds to your Sub-Deposit Account, as described in the Tip Yourself Terms of Service. Balance Shield also incorporates Cash Out, by automatically setting a cash out of up to $100 when your Bank Account balance has fallen below $100. first and last name (including legal names); whether you are employed, unemployed, or furloughed; Social Security Number or Individual Taxpayer Identification Number; Drivers License information or other state identification; A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request; a phone number, a text-enabled cellular or wireless telephone number; and/or. Earnin does not sell your Personally Identifiable Information. 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. 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. You are responsible for funding all payments you initiate. Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards. All rights,title and interest in the Content is hereby reserved. 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. we may close, suspend, or limit your access to your account or ability to use the Sites or Services; we may update inaccurate information you provided us; we may decline to allow you to use the Sites or Services in the future; we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and. Allow Pay it Forward chain members to exchange Thank You messages with you via push notification and/or email if you have opted-in to messaging from Earnin. We strive to ensure security on our systems. any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and You must repeat this process for every card you wish to delete, you will reimburse Activehours for any fees imposed on us as a result of the failed transaction; and. Within your Tip Yourself Account you can track your savings towards your specific savings goals by creating different tip jars within your Tip Yourself Account. The Pay Period Max is what you can cash out within a given pay period. You will not be charged a fee for Banks placement of your funds or in connection with the Sub-Deposit Account. We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. #worldwide #task + survey #invite #promo-code #referral. We are only here for Boosts. For example, you may be notified after your friends are verified and cash out for the first time that either you or Earnin covered their tip. 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. 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. Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. Tip Yourself We have the right to adjust your maxes at any time. Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. 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. Health Aid: When you use Health Aid (formerly known as MediPal), we will ask you to provide your date of birth, mailing address, and the medical bill you would like to submit for the Health Aid Service. Advocacy PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS Introduction 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. Does Earnin need your device location for the service to work? Notice. In order to designate an authorized agent to make a request on your behalf, you must: 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 Personally Identifiable Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin. Security When you make a request for your Personally Identifiable Information, we will include a list of the categories of Personally Identifiable Information that we may have disclosed about you, as well as the categories of third parties to whom your Personally Identifable Information may have been disclosed. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. Evolve Bank & Trust. 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. You may not receive a credit if it is not posted by your card issuer. We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. and Evolve Bank & Trust, an Arkansas-chartered depository institution. In some cases, we share aggregated and anonymized data with our employer partners. Please note, however, that certain features of our Site may not be available if cookies are disabled. If you choose to enable Balance Shield Cash Out to activate automatically and set a voluntary tip every time, Balance Shield Cash Out will stay on indefinitely until you turn it off. 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. No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness. DO NOT TRACK In order to allow you to use certain Services, we may be required to verify your identity. Earnin reserves the right to alter these UGC Terms of Use without advance notice by posting a revised UGC Terms of Use. Activehours, Inc. d/b/a Earnin The actions we may take include the following: we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. 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. If you're a Firefox devotee, don't worry. Your maxes are determined based on an evaluation of a number of factors we have identified that we believe are related to evaluating your financial health. By registering a payment card in connection with transaction monitoring for Earnin Cash Back Rewards, you authorize Activehours to share your payment information with its third-party service providers, Empyr, Inc., and its Payment Card Network (Visa, Mastercard, American Express, etc.) Search Reddit posts and comments - see average sentiment, top terms, activity per day and more 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. 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 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. 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. We reserve the right to modify this information at any time. When using Earnin, community members may start with up to $250 Pay Period Max. EARNIN 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. Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personaly Identifiable Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. 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. Please review it occasionally. This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Earnin Express Service. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. Before using the Services, you should consider obtaining additional information and advice from a financial adviser. As part of Earnins Cash Out Services, you may be offered the opportunity to participate in Max Boost. By using Medical Bill Review, you further authorize us to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. We may provide our registered customers with summaries of their Account Information and email alerts. 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. As a granter, you'll have one Boost. Our failure to debit your Bank Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. 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. https://earnin. When you make a request for your Personal Information, we will include a list of the categories of Personal Information that we may have disclosed about you, as well as the categories of third parties to whom your Personal Information may have been disclosed. You must immediately report to us any changes in Account ownership information that you originally provided to us in connection with the submission of your application for an Account. Cash Out. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. Max Boost Provide the authorized agent signed permission to do so; You must directly verify your identity with Earnin; and. Excluding Personally Identifiable Information described in the preceding sentence, to the extent other third party information, is combined with the data Earnin collects through the Services, will be subject to this Privacy Policy. This temporary Max Boost will expire at the end of the pay period. Just keep in mind that regular tips add up. 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. Welcome to Earnin! As used in these Terms of Service, the words Community Member, "you" and "your" refer to you, the user of Earnins website, device, and/or applications, as the party agreeing to these Terms of Service. When a community member sends you a request to Boost their pay period Max, you can . 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. Cash Back Rewards. If you have opened an account with us and you wish to withdraw your consent to have Communications provided electronically, you must close your account by contacting support@earnin.com or using live chat with the Earnin team via the mobile app, and stop using the Sites and Services. Palo Alto, CA 94306 All funds associated with your deposit account are held by Evolve Bank & Trust. a copy of your government-issued photo ID, such as a passport or drivers license; 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. How can I request my data from Earnin? You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-1$100, but are under no obligation to do so. in order to register and link that payment card account with the Earnin Cash Back Rewards program. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. (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. 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. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. You may opt-out of Cash Back Rewards at any time by unlink your cards. 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. Great community app for helpers. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Do we retain your data for as long as we need it unless you request deletion? 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. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request. 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. 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. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS WILL NOT BE LIABLE IN ANY WAY TO YOU OR TO ANY THIRD PARTY, FOR ANY ERROR OR DELAY IN THE SITES OR THE SERVICES, AND ANY LOSS OR DAMAGE ARISING FROM (A) ANY SUCH ERROR OR DELAY (B) NON-PERFORMANCE OR (C) INTERRUPTION IN THE SITES OF SERVICES DUE EITHER TO ANY NEGLIGENT ACT OR OMISSION BY EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS, OR "FORCE MAJEURE" OR ANY OTHER CAUSE BEYOND THE CONTROL OF EARNIN. If you enable Lightning Speed, you may fund your Tip Yourself Account in minutes with your debit card. 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. 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. Technical and Navigational Information: We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. Balance Shield. This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you. 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. Press question mark to learn the rest of the keyboard shortcuts. First Name and Last Initial of the Community Members asking for and granting a Max Boost. If your medical bill is eligible, Earnins Health Aid team will conduct a Medical Bill Review, which may require Earnin to speak to your medical provider or its representatives on your behalf. These voluntary tips help fund us and keep us going, but we want you to be in control of if, when, and how much to tip. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members. If you believe that your Registration Information or a device that you use to access any Site 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 atsupport@earnin.com. If your medical bill is eligible, Earnins Health Aid team will conduct a Medical Bill Review, which may require Earnin to speak to your medical provider or its representatives on your behalf. For each piece of Content you submit, you acknowledge and agree that: TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Earnin, ANY THIRD PARTY SUBLICENSEE OF Earnin, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS, ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF OR RESULTING FROM THESE UGC TERMS OF USE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR HARM TO BUSINESS, LOST PROFITS, LOST SAVINGS, OR LOST REVENUES, HOWEVER SUCH DAMAGES ARE CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY. You will have a set Daily Max, which is the maximum you are allowed to Cash Out in one day, as well as a Pay Period Max, which is the maximum amount you can Cash Out before your next pay period. 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 rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Nevada State Bill 220. 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. Max Boost. app .link/Bk2Lzkatevb. Vote. As used in these Terms of Service, the words "you" and "your" refer to you, the user of Activehourss website, device, or applications, as the party agreeing to these Terms of Service. app.link/duqAHxi95ob, hey, do you still need one? To create an account, you must be a resident of the United States or one of its territories, be at least 18 years old or the age of majority in your state of residence, have a Verified Source of Income, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. These factors may be changed at any time, at our sole discretion. link/ OL59rhV4Gwb. 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. Nevada State Bill 220. 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: Press question mark to learn the rest of the keyboard shortcuts. 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. 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 may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin or third-party goods or services. 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). 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. By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with us, your Tip Yourself Account. This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. Earnin must verify your identity before we will fulfill your request. 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. These third-party services are governed by the third partys privacy policy. Please note that we use Empyr, Inc. as our service provider to help us operate our program. To ensure that the Earnin Site and Services work, we may need to share your Personal Information with third parties and service providers, as well as other users. By using the Services, you agree that Earnin may communicate with you electronically. 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. 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These voluntary additional payments help fund Activehours Reddit may still use certain cookies to ensure proper... Policy explains how Activehours treats your personal information when you use the Service $ 250 Pay Period Max is you! Investigate actual or suspected fraud, hacking, infringement, or transactions will no... ; and as part of Earnins Cash Out within a given Pay Period request from government authority a!
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