This section explains how Earnin shares your information. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. 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: 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. Can I activate my payroll if I have paid vacation leave? We may also credit funds from your Earnin Express Account to your Bank Account without notice to you upon the closure of your Earnin Express Account. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. We have the right to adjust your maxes at any time. They can be financial and nonfinancial companies. 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. What information will Earnin ask for when I make a request? If your claim does not exceed $10,000, then the arbitration will be conducted solely on the basis of the documents that you and Earnin submit to the arbitrator, unless you request a hearing or the arbitrator determines that a hearing is necessary. Convenient user experience and interface. If you are a California resident, you expressly waive California Civil Code §1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.". These days, most lenders use the electronic Automated Clearing House (ACH) to disburse your loan and collect repayments. In the case of a conflict between the rules and policies of the administrator and this “Dispute Resolution by Binding Arbitration” section, this “Dispute Resolution by Binding Arbitration” section shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. Failed or rejected fund transfers to repay a Cash Out may be reinitiated at any time up to 150 days from either your Earnin Express Account or your Bank Account. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. It said $600, she recalls. Financial companies choose how they share your personal information. Before using the Services, you should consider obtaining additional information and advice from a financial adviser. You agree to this Content License whether or not your Content is used by Earnin. 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. In accordance with our routine record keeping we may delete records that contain Personally Identifiable Information you have submitted through the Earnin Site and Services. If your medical bill is eligible, Earnin’s 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. Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost. Earnin may post a notice on the Earnin Site if a security breach occurs. Answer The Earnin app does not support two accounts using the same bank information. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. 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. To use Automatic Earnings, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members. Effective for existing customer (customers who joined prior to November 3, 2020) until December 3, 2020. Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the DMCA Agent: If a counter-notice is received by the DMCA Agent, Earnin may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. If you provide us with your debit card information, you should be able to receive your Cash Out within the same Banking Day. We believe that the world is a better place when we all help each other out. 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. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. Look for a bank with a clean website design and an easy-to-use app. Community Member Contact Information such as phone number or email address. We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account, and in the case of Earnin Express your Earnin Express Account on the day of your next regularly scheduled paycheck. 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. 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. Does Earnin track your browsing activities on other sites? We haven’t really found any significant every day withdrawal apps like Earnin, except for the Dave app. When you use Health Aid, we ask that you provide us with: If the medical bill is accepted by Health Aid for Medical Bill Review, we will use the information you provide to contact the medical provider and their representatives on your behalf to learn about opportunities to reduce your payment obligations. The arbitrator’s award of damages must be consistent with the terms of the “Limitation of Liability” section above as to the types and amounts of damages for which a party may be held liable. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, EARNIN EXPRESS, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. This UGC Terms of Use is hereby incorporated into the Terms of Service. For more information click here. Community Members may find the form to request their information from Earnin here, per CCPA requirements. Open an Earnin account or provide account information, Affiliates from using your information to market to you, Sharing for nonaffiliates to market to you. 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. You may pause, skip or change at any time prior to the day of the scheduled transfer your tip yourself amount and authorization. Note that this is open to all Community Members. NO CLASS ACTIONS We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account, and in the case of Earnin Express your Earnin Express Account on the day of your next regularly scheduled paycheck. Find a business.    Federal Privacy Notice Please update all your Profile Information whenever the information provided to us is no longer accurate. Max Boost allows you to request a Max boost from another Earnin member in the program (the “Grantor”) by providing you a unique link to send to the Grantor; and if the Grantor approves the request you will get a temporary $50 pay period Max increase which you can then Cash Out. Legal Department There are no fees or costs associated with Tip Yourself Service offered by Earnin.      Advocacy We like putting you in control. Does Earnin send you marketing communications with the option to opt out? Why did I receive a tip from another person? This information may be collected through cookies, web beacons, log files and other technologies. request a Cash Out, Max Boost, or use Balance Shield Cash Out for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; use the Sites or Services in any manner that could damage, disable, overburden, or impair the Sites or Services; obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites or Services; access the Sites by any means other than through the interface that is provided by Earnin for use in accessing the Sites; use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site or Services; or. Unfortunately, not all medical bills are eligible for Health Aid. Earnin will send you an annual reminder that Balance Shield is turned on. When you register for Tip Yourself and from time to time thereafter, we may require you to provide and/or confirm the information and documentation that will allow us to identify you, including Required Identifying Information. To stop receiving marketing-related messages, you may reply STOP to any marketing-related text message you receive from Earnin. Earnin is providing this privacy notice and is applicable to all products and services offered to all Community Members. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. Legal Department (The AAA Rules are available at www.adr.org/arb_med) The Federal Arbitration Act will govern the interpretation and enforcement of this “Dispute Resolution by Binding Arbitration” section. If our changes materially reduce your rights or increase your responsibilities, we will provide notice to you via in-app notification and/or email at least 10 days prior to implementing the changes to the Policies. 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. Especially because the app changes its terms based on users’ cashflow: Earnin requires constant access to users’ bank-account balances, and when its algorithms detect that a user … 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 Earnin’s rights and that those rights or remedies will still be available to Earnin. 21 Apps Like Earnin Payday Apps That Make Life Easier Earnin. 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. That was more than enough to … Earnin may use your Personally Identifiable Information to verify your identity, comply with and support our bank partners’ compliance with applicable laws, including Anti-Money Laundering (AML) and sanctions screening rules, prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime, or violation of an agreement involving the Services. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. 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. You agree that Earnin will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Site or the Services. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. Your money will transfer directly to your bank account. Cash out your cash rewards anytime, with no minimum accrual required. Personally Identifiable Information does not include information that has been aggregated, de-identified, or anonymized so it does not identify you. For example, Earnin may use this information to display ads on Services on third-party websites. Walker, an engineer, previously declared bankruptcy and doesn’t use credit cards. 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 Trust’s Privacy Policy, and such Personally Identifiable Information is not subject to this Privacy Policy. You must repeat this process for every card you wish to delete. 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. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Earnin’s sole discretion. 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. For more information, see the “Information from Third Parties” Section. Your bank, and not Earnin, controls the sequence in which it processes credits and debits (additions and subtractions) to your Bank Account. ActiveHours Inc., dba Earnin Federal law also requires us to tell you how we collect, share, and protect your personal information. first and last name (including legal names); whether you are employed, unemployed, or furloughed; Social Security Number or Individual Taxpayer Identification Number; Driver’s 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. We reserve the right to charge your Bank Account, and in the case of Earnin Express your Earnin Express 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 or Earnin Express Account. By using the Site and the Services and providing Profile Information to us, you authorize us to obtain, directly or indirectly through our third-party service providers, information about you and your Bank Account from the financial institution holding your Bank Account and other third-party websites and databases that may be necessary to provide the services. Earnin or Evolve Bank & Trust is not responsible for overdrafts, insufficient funds fees, or any other third-party fees resulting from insufficient funds related to a transfer from your Bank Account to your Tip Yourself Account. You may close your account and terminate your relationship with us without termination fees. 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. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Where do I send my bank transaction screenshots? Cash Out Services require you to provide your debit card information to Earnin as well. In such circumstances, fees will be determined in accordance with the AAA Rules. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. Provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. With this method you adopt a “yours, mine, and ours” split. YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN. If you do not agree to these UGC Terms of Use, do not respond #YESEARNIN. You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). Sharing for joint marketing with other financial companies The Earnin app can also limit bank withdrawals over time if you have automatic bill-pay turned on. This Personally Identifiable Information helps us deliver and improve the Earnin Site and Services. Tip Yourself also has an Automated Savings feature, that allows you to set up scheduled transfers between your Bank Account and your Tip Yourself Account. 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. It’s an easy way to get all the benefits of a debit card without worrying about bank fees, overdrafts or hidden costs. If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. Earnin, 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. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. 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. § 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration. I didn’t receive earnings after using my work email to send an email to Earnin. Only put your money into a bank that has FDIC insurance.    Information You Provide      Pay It Forward PLEASE READ THESE TERMS OF SERVICE CAREFULLY. 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. 200 Portage Ave Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. And … This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you. For more information click here. You can update your Profile information by clicking on the settings link after you login. Does Earnin work for people who are unemployed? The deposit account is provided by Evolve Bank & Trust and is subject to a deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Our failure to debit your Bank Account or Earnin Express Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. 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. * However, if we have been unable to recoup payment of a Cash Out from Earnin, you will be unable to use the Services and Site even if you reactivate your account and sign up again until we are able to recoup any unreimbursed Cash Outs. 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