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. 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. Legal Department 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. For California residents, Earnin will respond to your information or deletion request within 45 days, though we may request an additional 45 days if needed. Earnin may post a notice on the Earnin Site if a security breach occurs. You understand that, in return for agreement to this provision, Earnin is able to offer the Service at the terms designated, and that your assent to this provision is an indispensable consideration to these Terms of Service. The Real Housewives of Atlanta The Bachelor Sister Wives 90 Day Fiance Wife Swap The Amazing Race Australia Married at First Sight The Real Housewives of Dallas My 600-lb Life Last Week Tonight with John Oliver 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. 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. We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. download download. Does Earnin need your device location for the service to work? 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. To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Earnin Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys fees arising out of or relating to (i) your access to, use of or alleged use of the Site or the Services; (ii) your violation of these Terms of Service or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. Do Not Track Signals Web beacons are electronic images that may be used in our Services or emails. At Earnin, we care about the financial well-being of all our community members. 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). Any feedback, questions, comments, suggestions, ideas, or the like that you send to Earnin will be treated as being non-confidential and nonproprietary, and Earnin will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. You 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. 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 Activehours. These Third Parties may place their own cookies to collect information about your activities on our Website and/or the advertisements you have clicked on. Palo Alto, CA 94301. 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.) All Community Members may submit a deletion request regardless of state of residence. Please note that while tips are non-refundable, if you need help in changing your tip amount, please live chat the Earnin team via the mobile app. 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 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. Activehours may share my transaction data with Earnin Cash Back Rewards participants to determine if you are eligible to receive the offered reward. 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. Non-Personal Information (Aggregated and Anonymized Data) Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction, but may be subject to delays. Opting out in this manner will not end transmission of service-related emails, such as email alerts. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. Please note, however, that certain features of our Site may not be available if cookies are disabled. https://earnin .app. 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. We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. You may only Cash Out earned wages paid to you by your employer. Health Aid. Can anyone in the Earnin Community help me boost my Max? 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. For example, Earnin may use this information to display ads on Services on third-party websites. 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 may also send an email to you at the email address you have provided to us. Nevada State Bill 220. 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. You may not use the Site or Services, or accept these Terms of Service, if. Standard message and data rates may apply to all SMS messages (including text messages). Can anyone in the Earnin Community help me boost my Max? You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. Please note that tips are non-refundable. From Create mode, press the Tab key to open the CREATIVE inventory screen. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. At Earnin, we believe that visitors to the Earnin website and/or mobile application (Visitors) and Earnin Community Members (Community Members,) (herein, Visitors and Community Members are collectively referred to as you or your) deserve clarity and transparency as to how Earnin uses Personally Identifiable Information. 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. Boosts you grant and their associated debits do not affect your own pay period Max. 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). 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. 4. Pay It Forward https:// earnin.app. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. 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. The collection of this Personal Information helps us deliver these additional services to you. 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). 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. In no event will Activehours be liable to any party for any loss, cost, or damage that results from any period of downtime of the Sites or Services. When you use the Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personally Identifiable Information with the Requestor or Grantor: When using Max Boost, Earnin will collect and share messages and community participation such as: When you Pay It Forward, Earnin may use the Personally Identifiable Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personally Identifiable Information Earnin collects for additional purposes such as: Some Personally Identifiable Information is public information (including your first name and the first initial of your last name, profile photo, and public tip reasons you decide to share), and may be seen by anyone accessing the Tip Yourself Service on the App, by any Tip Yourself logged in user. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below. This Policy was last updated on June 15, 2020. We will generally transfer the requested funds from your Tip Yourself Account to your Bank Account within two Banking Days of when we receive your request. Although there are two or more accounts associated with your funds (the account maintained with us, referred to as the Account, and the Sub-Deposit Account), your Account is considered a single account for your deposits and withdrawals, as well as for tax reporting, balance requirement, service charge, monthly statement and FDIC deposit insurance purposes. Boost for Boost. 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. All Communications in either electronic or paper format will be considered to be "in writing." This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. terms of . This authorization will remain in effect until you update this information in App. 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. California Consumer Privacy Act Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. The purpose of this Privacy Policy is for you to understand how we collect and use your information, your privacy rights, and what information Earnin is required to keep. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. 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. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members. Activehours offers various tools and functions through the Sites (the "Services"), 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). We store and process your Personal Information using data centers in the United States. Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your request. 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. Information You Provide Health Aid. Opting out in this manner will not end transmission of service-related Messages. 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. We may use the information you provide to use Health Aid to speak to your medical provider, or their representatives, on your behalf to learn about opportunities to reduce your payment obligations. 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. Will return immediately. 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. in order to register and link that payment card account with the Earnin Cash Back Rewards program. 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. For more information on FDIC insurance coverage, please visit www.FDIC.gov. Max Boost This sharing enables portions of the Services that allows users to connect and communicate. Earnin does not sell your Personal Information. When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. Your right to access and use the Sites and use the Services is personal to you and is not transferable by you to any other person or entity, and you may only access and use the Sites and Services for lawful purposes. Information from Third Parties By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Activehours through the Service, you are licensing that content to Activehours solely for the purpose of providing the Service. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. Balance Shield. 2. 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. 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). IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ENROLL IN EARNIN CASH BACK REWARDS, ACCESS OR USE THE SITE OR THE SERVICES. TERMINATING YOUR EARNIN ACCOUNT. Does Earnin track your browsing activities on other sites? You agree to maintain a balance that is sufficient to fund all payments that you initiate. Collection of Information any other communication related to the Sites or Services. Advocacy Can I have an agent make a request on my behalf? 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. 200 Portage Ave 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 does not currently respond to DNT Signals. We are under no obligation to place your funds with an Insured Depository Institution. For example, this Personally Identifiable Information may be disclosed to enable you to select the contacts with whom you would like to send a Max Boost, show your information about Community Members in a Pay It Forward chain, to connect with another user who referred you to the Services, or to connect with an individual whom you would like to refer to the Services. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and. 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