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 Earnins sole discretion. Earnin may post a notice on the Earnin Site if a security breach occurs. Lightning Speed. Earnin Express You may not alter or modify or change Earnins Content in any way, use them in a manner that mischaracterizes Earnin or display the Content in a manner that implies Earnins sponsorship or endorsement. All rights,title and interest in the Content is hereby reserved. 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. To unenroll from Cash Back Rewards and unlink your cards, you must follow the steps below: For Earnin Express (Earnin Express Service), we may use the Personally Identifiable Information you provide to Earnin for additional purposes such as: Your use of certain features of the Earnin Express Services requires Earnin to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Earnin. If we are unable to access funds from your Bank Account to complete a payment that you authorized Earnin to take, you may be prevented from using the Site and the Services until you repay any outstanding amount. Collection of Information from Children Sorry, this post was deleted by the person who originally posted it. 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. 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. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. 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"). Please update all your Profile Information whenever the information provided to us is no longer accurate. Collection of Information To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: Shine the Light When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information the third party vendors provide to enhance your use of the Earnin Services. 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. This Privacy Policy describes the information Activehours, the company that offers services under the Earnin brand, collects about you, how we use and share that information, and the privacy choices we offer. Community Members may find the form to request their information from Earnin here, per CCPA requirements. 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. Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnins Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively Messages). Without limiting the foregoing, Content submissions must not include third-party trademarks, logos, except those of Earnin; The Content is not, in Earnins reasonable discretion, libelous, defamatory, obscene, pornographic, abusive, indecent, threatening, harassing, hateful, or offensive or otherwise unlawful; and. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the. EARNIN RESERVES THE RIGHT TO MODIFY THESE UGC TERMS OF USE BY POSTING NEW VERSIONS THEREOF, AS WELL AS THE RIGHT TO PROVIDE ADDITIONAL NOTICES OF MATERIAL CHANGES, WHICH MODIFICATIONS AND CHANGE BE EFFECTIVE IMMEDIATELY. Can anyone in the Earnin Community help me boost my Max? app. Information from Third Parties Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. We will not place funds with more than one Insured Depository Institution. 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. create a record of the transaction data and thereafter maintain and use data in connection with operating the Tip Yourself Service. Information You Provide Earnin may collect this information through a payment processor that facilitates a transfer to a Earnin partner bank account, a partner bank or through a third-party secure access tool. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. If this occurs, we may try to locate you using your Profile Information. Do Not Track Signals 4. 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. Non-Personal Information (Aggregated and Anonymized Data) You must also have a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them. We reserve the right to modify this information at any time. 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. 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. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services. We may also decline to send you a payout under Balance Shield if you dont have earnings added to your account, or if we were unable to connect to your bank account, or if your account is on hold. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. Cookie Notice THE SITE, SERVICES, INCLUDING CASH OUTS, 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. i dont need a boost but i have a boost or 2 to give Press J to jump to the feed. Not all Visa, MasterCard, and American Express cards are eligible for registration. Does Earnin send you push notifications with the option to opt out? This Custodial Account Authorization Agreement is provided as a supplement to the Tip Yourself Terms of Service and governs the underlying bank account that is used for your Tip Yourself Account (also known as your Tip Jar and referred to herein as your Sub-Deposit Account). 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. 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. For Tip Yourself (Tip Yourself Service, we may use the Personal Information Earnin collects for additional purposes such as: Evolve Bank & Trust. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. Boost for Boost. We have the right to adjust your maxes at any time. 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. 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. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. 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. A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account. Earnin may engage in behavioral advertising on third-party sites (retargeting or tracking), through information collected about the pages you visit the Website. You may enroll another payment card in Earnin Cash Back Rewards or deactivate your card in the other Empyr, Inc.-operated program. You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. In general, you can visit the Website and download the App without telling us who you are or sharing any Personally Identifiable Information with Earnin. Introduction Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. 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. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Activehours will be treated as being non-confidential and nonproprietary, and Activehours will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. First Name and Last Initial of the Community Members asking for and granting a Max Boost. 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. This sharing enables portions of the Services that allows users to connect and communicate. 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 Personally Identifiable Information helps us deliver and improve the Earnin Site and Services. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. You may not use the Site or Services, or accept these Terms of Service, if. We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. There is a $250 cashback limit per transaction. How We Use The Information We Collect 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. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. link/ OL59rhV4Gwb. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). You can update your information by clicking on the settings link after you login. Only funds from your Bank Account may be transferred to your Tip Yourself Account. https://earnin.app.link/oMDqo1kDAwb #earnin #boost #boost4boost. Earnin Cash Back Rewards. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO US $500.00 (FIVE HUNDRED UNITED STATES DOLLARS). any other communication related to the Sites or Services. Community members may start between a $50 to $250 Pay Period Max. You may not receive a statement credit if it is not posted by your card issuer. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself. Opting out in this manner will not end transmission of service-related Messages. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. Please and thank you, Scan this QR code to download the app now. 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. How We Use The Information We Collect We are not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges), or any other third-party fees that result from your failure to maintain a balance or available credit in your Bank Account that is sufficient to fund all payments you initiate. 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. We may also allow users to subscribe to Messages and from time to time may transmit Messages promoting Earnin and advocacy efforts with third parties or third-party goods or services. we may hold you liable to Activehours for the amount of Activehours's damages caused by your violation of these Terms of Service. 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. 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. Introduction We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or a request for further action from you, so that Earnin can better gauge what options may be available. The words "we", "us", "our" and any other variation thereof refer to Earnin. All funds associated with your deposit account are held by Evolve Bank & Trust. How to Unenroll in Cash Back Rewards. By using Medical Bill Review, you also agree to waive any rights you may have to prevent us from disclosing the content of the documents to your medical provider, or their representatives, on your behalf for the purpose of learning about available payment options to lower your medical bill payments. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. 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. 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. Do we send you push notifications with the option to opt out? 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. You are not required to pay any fees or charges to use the Services. Activehours offers Earnin Cash Back Rewards to allow you to receive cashback in the form of statement credits issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants. Keep in mind, a Boost you give to another community member will refresh for you on the community member's payday. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Lightning Speed. 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. This policy explains how Activehours treats your personal information when you use the Service. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. This section explains how Earnin shares your information. 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. Changes take effect immediately upon posting. 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. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. The world works best when people help each other. You are not required to pay any fees or charges to use any of the Earnin Services. Max Boost Note that 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. To establish the existence and condition of your Bank Account; To establish you are over the age of 18 and a resident of the United States; To determine your eligibility to use the Services; To enable our third party financial services partners to implement fund transfers; To connect with you if there is a problem related to a transaction you requested or to discuss a problem with your Earnin account; and. There are no fees or costs associated with Tip Yourself. We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Can I use VPN to access the Earnin app? Email: legal-notices@earnin.com. A 10% tip on a $40 withdrawal may . THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES. 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.". 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. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy and what information Earnin is required to keep. 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. 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. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. 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). You must repeat this process for every card you wish to delete. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the Requestor or Grantor: When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personal Information Earnin collects for additional purposes such as: Some Personal 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. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. Before using the Services, you should consider obtaining additional information and advice from a financial adviser. 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. Palo Alto, California USA 94306. 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. Collection of 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. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. 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. 260 Sheridan Avenue Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. 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. As part of this process, Earnin may ask you to provide Personally Identifiable Information you previously provided to Earnin.
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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 Earnins sole discretion. Earnin may post a notice on the Earnin Site if a security breach occurs. Lightning Speed. Earnin Express You may not alter or modify or change Earnins Content in any way, use them in a manner that mischaracterizes Earnin or display the Content in a manner that implies Earnins sponsorship or endorsement. All rights,title and interest in the Content is hereby reserved. 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. To unenroll from Cash Back Rewards and unlink your cards, you must follow the steps below: For Earnin Express (Earnin Express Service), we may use the Personally Identifiable Information you provide to Earnin for additional purposes such as: Your use of certain features of the Earnin Express Services requires Earnin to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Earnin. If we are unable to access funds from your Bank Account to complete a payment that you authorized Earnin to take, you may be prevented from using the Site and the Services until you repay any outstanding amount. Collection of Information from Children Sorry, this post was deleted by the person who originally posted it. 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. 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. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. 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"). Please update all your Profile Information whenever the information provided to us is no longer accurate. Collection of Information To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: Shine the Light When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information the third party vendors provide to enhance your use of the Earnin Services. 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. This Privacy Policy describes the information Activehours, the company that offers services under the Earnin brand, collects about you, how we use and share that information, and the privacy choices we offer. Community Members may find the form to request their information from Earnin here, per CCPA requirements. 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. Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnins Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively Messages). Without limiting the foregoing, Content submissions must not include third-party trademarks, logos, except those of Earnin; The Content is not, in Earnins reasonable discretion, libelous, defamatory, obscene, pornographic, abusive, indecent, threatening, harassing, hateful, or offensive or otherwise unlawful; and. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the. EARNIN RESERVES THE RIGHT TO MODIFY THESE UGC TERMS OF USE BY POSTING NEW VERSIONS THEREOF, AS WELL AS THE RIGHT TO PROVIDE ADDITIONAL NOTICES OF MATERIAL CHANGES, WHICH MODIFICATIONS AND CHANGE BE EFFECTIVE IMMEDIATELY. Can anyone in the Earnin Community help me boost my Max? app. Information from Third Parties Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. We will not place funds with more than one Insured Depository Institution. 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. create a record of the transaction data and thereafter maintain and use data in connection with operating the Tip Yourself Service. Information You Provide Earnin may collect this information through a payment processor that facilitates a transfer to a Earnin partner bank account, a partner bank or through a third-party secure access tool. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. If this occurs, we may try to locate you using your Profile Information. Do Not Track Signals 4. 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. Non-Personal Information (Aggregated and Anonymized Data) You must also have a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them. We reserve the right to modify this information at any time. 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. 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. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services. We may also decline to send you a payout under Balance Shield if you dont have earnings added to your account, or if we were unable to connect to your bank account, or if your account is on hold. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. Cookie Notice THE SITE, SERVICES, INCLUDING CASH OUTS, 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. i dont need a boost but i have a boost or 2 to give Press J to jump to the feed. Not all Visa, MasterCard, and American Express cards are eligible for registration. Does Earnin send you push notifications with the option to opt out? This Custodial Account Authorization Agreement is provided as a supplement to the Tip Yourself Terms of Service and governs the underlying bank account that is used for your Tip Yourself Account (also known as your Tip Jar and referred to herein as your Sub-Deposit Account). 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. 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. For Tip Yourself (Tip Yourself Service, we may use the Personal Information Earnin collects for additional purposes such as: Evolve Bank & Trust. You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. Boost for Boost. We have the right to adjust your maxes at any time. 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. 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. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site. 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. A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account. Earnin may engage in behavioral advertising on third-party sites (retargeting or tracking), through information collected about the pages you visit the Website. You may enroll another payment card in Earnin Cash Back Rewards or deactivate your card in the other Empyr, Inc.-operated program. You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. In general, you can visit the Website and download the App without telling us who you are or sharing any Personally Identifiable Information with Earnin. Introduction Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. 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. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Activehours will be treated as being non-confidential and nonproprietary, and Activehours will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. First Name and Last Initial of the Community Members asking for and granting a Max Boost. 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. This sharing enables portions of the Services that allows users to connect and communicate. 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 Personally Identifiable Information helps us deliver and improve the Earnin Site and Services. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. You may not use the Site or Services, or accept these Terms of Service, if. We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. There is a $250 cashback limit per transaction. How We Use The Information We Collect 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. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. link/ OL59rhV4Gwb. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). You can update your information by clicking on the settings link after you login. Only funds from your Bank Account may be transferred to your Tip Yourself Account. https://earnin.app.link/oMDqo1kDAwb #earnin #boost #boost4boost. Earnin Cash Back Rewards. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO US $500.00 (FIVE HUNDRED UNITED STATES DOLLARS). any other communication related to the Sites or Services. Community members may start between a $50 to $250 Pay Period Max. You may not receive a statement credit if it is not posted by your card issuer. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself. Opting out in this manner will not end transmission of service-related Messages. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. Please and thank you, Scan this QR code to download the app now. 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. How We Use The Information We Collect We are not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges), or any other third-party fees that result from your failure to maintain a balance or available credit in your Bank Account that is sufficient to fund all payments you initiate. 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. We may also allow users to subscribe to Messages and from time to time may transmit Messages promoting Earnin and advocacy efforts with third parties or third-party goods or services. we may hold you liable to Activehours for the amount of Activehours's damages caused by your violation of these Terms of Service. 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. 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. Introduction We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or a request for further action from you, so that Earnin can better gauge what options may be available. The words "we", "us", "our" and any other variation thereof refer to Earnin. All funds associated with your deposit account are held by Evolve Bank & Trust. How to Unenroll in Cash Back Rewards. By using Medical Bill Review, you also agree to waive any rights you may have to prevent us from disclosing the content of the documents to your medical provider, or their representatives, on your behalf for the purpose of learning about available payment options to lower your medical bill payments. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. 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. 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. Do we send you push notifications with the option to opt out? 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. You are not required to pay any fees or charges to use the Services. Activehours offers Earnin Cash Back Rewards to allow you to receive cashback in the form of statement credits issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants. Keep in mind, a Boost you give to another community member will refresh for you on the community member's payday. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Lightning Speed. 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. This policy explains how Activehours treats your personal information when you use the Service. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. This section explains how Earnin shares your information. 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. Changes take effect immediately upon posting. 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. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. The world works best when people help each other. You are not required to pay any fees or charges to use any of the Earnin Services. Max Boost Note that 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. To establish the existence and condition of your Bank Account; To establish you are over the age of 18 and a resident of the United States; To determine your eligibility to use the Services; To enable our third party financial services partners to implement fund transfers; To connect with you if there is a problem related to a transaction you requested or to discuss a problem with your Earnin account; and. There are no fees or costs associated with Tip Yourself. We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Can I use VPN to access the Earnin app? Email: legal-notices@earnin.com. A 10% tip on a $40 withdrawal may . THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES. 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.". 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. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy and what information Earnin is required to keep. 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. 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. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. 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). You must repeat this process for every card you wish to delete. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the Requestor or Grantor: When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personal Information Earnin collects for additional purposes such as: Some Personal 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. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. Before using the Services, you should consider obtaining additional information and advice from a financial adviser. 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. Palo Alto, California USA 94306. 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. Collection of 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. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. 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. 260 Sheridan Avenue Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. 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. As part of this process, Earnin may ask you to provide Personally Identifiable Information you previously provided to Earnin.
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