You as the person that holds the Account, as defined in that certain Evolve Bank & Trust Customer Account Terms (the Account Agreement), hereby direct Evolve Bank & Trust, as your agent, and any of its designees, agents, representatives and affiliates (collectively, the Bank, our, us or we), as agent for you, to open and maintain in Banks Trust Department and/or with other depository institutions (each, an Insured Depository Institution) or the Federal Reserve Bank an omnibus custody account owned by the Bank, in which Bank pools the funds held by all of Activehours, Inc.s (the Company) customers, for their benefit, within which you will be issued a sub-account established in your name (Sub-Deposit Account). If you reside in Nevada, you have the right to submit a request to our designated request address [email protected] regarding the sale of covered information. 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. Pay Outs. What will happen to my available earnings when I go outside the U.S? Can anyone in the Earnin Community help me boost my Max? All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. Does Earnin need your device location for the service to work? 200 Portage Ave 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. Fees may apply to Lightning Speed in some instances. 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. As used in this Privacy Policy, the term "Site" includes: all websites and all devices or applications operated by Activehours that collect personal information from you and that link to this Privacy Policy; 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 we, in our sole discretion, have reason to believe that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect ourselves, other users, and other third parties from fees, fines, penalties, and any other liability. Why does Earnin have Maxes? Earnin may ask you to complete questionnaires or participate in user research regarding the Earnin Site and Services, labor and employment issues in your state and generally, other topics to improve the Earnin Site and Services and to help create a more fair financial system. 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. How can I request that Earnin delete my data? Activehours offers various tools and functions through the Sites, that can enable you to assess the value of your accrued pay and to access such earned wages prior to payday by obtaining a payout from Activehours (each, a Pay Out). 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 you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. An "Offer" is the cashback 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 with the offer. 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. All rights are hereby reserved. Information from Third Parties Can anyone in the Earnin Community help me boost my Max? 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 would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below: Our commitment to protecting your information is described in the sections outlined below: We may use the information you provide about yourself and about your Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. If you need help in changing your information, please email us [email protected]. Service Specific Collection of Information: Activehours, the applicable card network, and your issuer have no responsibility or liability for the failure of a statement credit to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit. 3. Do we use your contact list if you allow us access? https://earnin. 260 Sheridan Avenue Note that we will only process one request per individual at time. We are only here for Boosts. Confirm you want to unenroll card these Terms of Service and any amendments, modifications, or supplements; records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; 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); any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and. Link in comments. When you request a Pay Out or turn on Balance Shield, you warrant that the earned wages being paid out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else. 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. To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. Note that this is open to all Community Members. our mobile application (herein Application or App); (the Website and App are collectively referred to as (Earnin Site) and 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. Your account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. 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. You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. We may also send an email to you at the email address you have provided to us. How to clear your iPhone cache in Firefox. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. 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. This Privacy Policy does not apply to the practices of the third-party services or applications, including third parties with which we partner and may make information available to. How can I request my data from Earnin? 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 irrevocably and unconditionally waive (and agree not to enforce) all rights in the Content, including without limitation any moral rights or equivalent rights which you may otherwise have under any laws now existing or which become law in the future in any part of the world. How can I request that Earnin delete my data? You are responsible for any costs or damages related to the timing of authorization revocation. 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 Personally Identifiable Information only for those employees who require it to fulfill their job responsibilities. (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. Please note that your revocation of authorization when transactions are pending could result in delays to your receipt of funds and additional charges owed by you to Earnin. This section explains how Earnin shares your information. Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. YOU ACKNOWLEDGE AND AGREE THAT WHEN EARNIN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, EARNIN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. 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. For non-California residents, we will respond to your request as soon as we are able to. 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. Standard message and data rates may apply to all SMS messages (including text messages). If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. 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. In lieu of charging interest and other fees, the app works on a voluntary tip system. The existence of the Sub-Deposit Account and any other account maintained by us pursuant to these Account Terms is for internal purposes and will not change the manner in which you use, obtain information about or earn interest (if any) on your Account. Information We Share By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. Balance Shield. We are not responsible for any payment processing errors or fees or other Services-related issues arising from your failure to keep your Profile Information current. A 10% tip on a $40 withdrawal may . You are responsible for funding all payments you initiate. 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. 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. 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. Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation. By using our service, you grant Activehours and MX the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. Boost for Boost. Your use of the Tip Yourself Service is governed by Activehours, Inc.s Terms of Service and the Tip Yourself Supplemental 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. 200 Portage Ave Legal Department Push Notifications, Email and SMS Communications You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. 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 the next scheduled deposit. View more about Accessing the Earnin App 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. 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. 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. An Earnin account will let you: You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (Profile Information). 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. 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). Welcome to Earnin! Technical and Navigational Information: We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. MISCELLANEOUS. Please visit FiscalNotes Privacy Policy to learn more about how your information is shared. 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. 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. If we communicate with you via Messages, we may collect information regarding the Message (e.g., email opening confirmations, read text message data or received push notification data). 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. 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. You do not meet one of the Boost feature qualifications. Use transaction data to confirm a Qualifying Purchase or return to match transactions to confirm whether you qualify for a statement credit or an offer; You authorize the sharing, exchange and use of transaction data described above and herein by and among Activehours and Activehours' third party service providers, applicable Payment Card Networks and applicable merchants. 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. These factors may be changed at any time, at our sole discretion. You must provide true, accurate, current, and complete information about your accounts maintained at Third Party Sites (Account Information), and you may not misrepresent any Account Information. We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out you take, however, if we are unable to access funds from your bank account to complete a payment that you authorized Earnin to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Earnin. Within the app, go to Cash Back Rewards, click on unenroll and confirm you want to unenroll the card. 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. Collection of Information Activehours reserves 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 are expected to deposit into your account; however, Activehours will attempt to avoid charging your bank account if we believe your bank account does not contain sufficient funds to cover repayment of a Pay Out or payout for Balance Shield in the pay period. Community Members may find the form to request their information from Earnin here, per CCPA requirements. 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. By entering your payment card information, you authorize Activehours to share your payment information with its third-party service providers (including Empyr, Inc.) and your Payment Card Network (Visa, Mastercard, American Express, etc.) 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. You will not be charged a fee for Banks placement of your funds or in connection with the Sub-Deposit Account. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and This temporary Max Boost will expire at the end of the pay period. Do we share your data with third party partners? Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please [email protected]. Can anyone in the Earnin Community help me boost my Max? You also acknowledge and understand that, with respect to any dispute with Activehours, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: You agree that if Activehours does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Activehours has the benefit of under any applicable law), this will not be taken to be a formal waiver of Activehours's rights and that those rights or remedies will still be available to Activehours. 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. 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. Making a Boost request will increase your pay period Max beyond your net pay on payday. 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. You may access the terms of such agreement at any time here. Shine the Light 200 Portage Ave You may also email us if you wish to deactivate your account, but even after you deactivate your account, we may retain archived copies of information about you for a period of time that is consistent with applicable law. I used payday loans a lot with high interest rates however with Earnin community I save and I gain. Activehours will not engage in any debt collection activities if the payout is not repaid on the scheduled date, place the payout as a debt with or sell it to a third party, or report to a consumer reporting agency concerning the amount of the payout. 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.) After much review and a ton of feedback, Boost for Boost is no longer allowed within the community. 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. Max Boost 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. FiscalNote and/or other similar programs, collects the following information from you and shares it with Earnin: This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative or third party. 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. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. Palo Alto, California USA 94306. Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. If you are a California resident and would like to make such a request, please submit your request to [email protected]. You agree that Activehours and its Third Party Service Providers may view your transactions. You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. Activehours offers Health Aid (formerly known as MediPal) to allow you to submit your medical bills (including, medical, dental and vision) to Activehourss medical billing negotiators to negotiate lower payment options with your medical providers. Information We Collect Automatically Further, you represent that any Content you submit does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam.". I can't wait to see my max boost increase with time! To ensure that the Earnin Site and Services work, we may need to share your Personally Identifiable Information with third parties and service providers, as well as other users. 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. 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. Max Boost The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Banks Trust Department or Federal Reserve Bank. 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.

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