TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. We reserve the right to modify this information at any time. We do not sell your Personal Information. 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. 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. Palo Alto, CA 94301. For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. 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). 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. 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. Third-Party Credentials: You may also enter in certain passwords, usernames, account numbers, and other account information for third-party sites and Internet services ("Third Party-Sites"). We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or offer you opportunities to use new Services or features that we believe may be of interest to you. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. Can anyone in the Earnin Community help me boost my Max? We strive to ensure security on our systems. 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. 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. We will have no legal or contractual claim or remedy against you based on your failure to repay, however, if we are unable to access funds from your bank account to complete a payment that you authorized Activehours to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Activehours. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. There are no fees or costs associated with Cash Out or Max Boost. 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. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. 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. When you enroll in Balance Shield, you may select a voluntary additional amount to pay in appreciation of the services rendered each time Balance Shield is automatically activated. Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. For more information on FDIC insurance coverage, please visit www.FDIC.gov. 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. Vote. 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. Please note that tips are non-refundable. We will review your Tip Yourself Account and transaction activity at various times, including when you initiate a transfer of funds into or out of your Tip Jar(s). 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. Activehours does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information. Pay It Forward 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. If you do not provide this information or we cannot verify your identity, we can decline to allow you to use the Services. 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. In order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. 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. 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 Personal Information only for those employees who require it to fulfill their job responsibilities. Boost for Boost. 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. Activehours reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice, including Pay Outs, Balance Shield, Medical Bill Review and Earnin Cash Back Rewards. Your access to this page through your device verifies that your device meets these requirements. Max Boost BY ACCESSING OR USING THE SITE OR THE SERVICES YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. Once you upload a medical bill, Activehours will first determine if the bill is eligible for the Medical Bill Review Service, and then if Activehours determines your bill is eligible for the service, Activehours will send you an update within 48 business hours with either a final report of any available options to lower your medical bill payments that it was able to learn, or requesting further action from you in order to learn what options are available. When you use Health Aid, we ask that you provide us with: When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the other Community Member: Earnin will also allow the Requestor and Requestee to like or interact with the request notification by using an emoji. Funds held in your Sub-Deposit Account will remain in your Sub-Deposit Account until you instruct us to transfer any or all of your funds from your Sub-Deposit Account to your Checking Account by requesting such transfer. We will recoup payment for Pay Outs or a payout for Balance Shield directly from your bank account upon deposit of your next paycheck. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. Information We Share These factors may be changed at any time, at our sole discretion. Balance Shield alerts can stay on indefinitely until you turn them off. If you do not agree to these UGC Terms of Use, do not respond #YESEARNIN. Earnin will not engage in any debt collection activities if the amount of the Cash Out is not repaid on the scheduled date, place the amount of the Cash Out as a debt with, or sell it to a third party, or report to a consumer reporting agency concerning the amount of the payout. You represent that you are a legal owner of, and that you are authorized to provide us with, all Account Information and other information necessary to facilitate your use of the Services. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; These voluntary additional payments help fund Activehours. 260 Sheridan Avenue Can I have an agent make a request on my behalf? California Consumer Privacy Act You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the. 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. THE SITE, SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, 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. 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. Boost for a boost Can anyone in the Earnin Community help Press J to jump to the feed. Does Earnin give you notice when we make important changes to our Privacy Policy? Further, we may receive greater benefits when we place your funds with an Insured Depository Institution than if we otherwise maintained your funds with us. 200 Portage Ave 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. 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. No Obligation to Repay. In such event, if you are a member to the Service, we will provide notice to you. Will return immediately. https://earnin.app.link/9aj0OKM9zub Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. You must repeat this process for every card you wish to delete. Nevada State Bill 220. We are under no obligation to place your funds with an Insured Depository Institution. a copy of your government-issued photo ID, such as a passport or drivers license; 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. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself and Earnin Express it does so pursuant to Evolve Bank and Trusts Privacy Policy. 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. we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. You may submit your Content so long as you wholly own the Content and none of the materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights or otherwise injurious to third parties or objectionable. More information about how we use this third party information can be found in Section C: Information from Third Parties. When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: 7. In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. 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. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. If you participate in Earnins advocacy and engagement efforts, Earnin will share your information with One Click Politics, FiscalNote and/or other similar platforms (collectively the Advocacy Program). This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. 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