We are under no obligation to place your funds with an Insured Depository Institution. California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. This Custodial Account Authorization Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns; provided, however, you may not assign this agreement to any person without Banks written consent. You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid. Do we track your device location while you are not using the app? app. You also agree to comply with the following additional policies: We may revise these Terms of Service and any of the policies listed above (together, the Policies) from time to time. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 4. terms and privacy. By accepting all cookies, you agree to our use of cookies to deliver and maintain our services and site, improve the quality of Reddit, personalize Reddit content and advertising, and measure the effectiveness of advertising. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. This Custodial Account Authorization Agreement shall remain in full force and effect until the Account Agreement terminates or as otherwise terminated by Bank in its sole discretion. When you request a Max boost from another community member, you will get a temporary $50 Pay Period Max increase. You agree to promptly alert us whenever you stop using a telephone number. 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. 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. For more information about voluntary tips please reference the specific service below. 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. (i) your name, voice, picture, portrait and likeness ( Name and/or Likeness) as such Name and/or Likeness appears in or in connection with the Content and. Please review it occasionally. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined. Your Tip Yourself Account is subject (1) to a two thousand-dollar ($2,000) deposit limit, which is the same limit regardless of how many tip jars you have (any deposit that would cause your Tip Yourself Account to contain more than two thousand dollars ($2,000) will be declined); and (2) a $500 daily transfer limit. We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out you take, however, if we are unable to access funds from your bank account to complete a payment that you authorized Earnin to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Earnin. All funds associated with your deposit account are held by Evolve Bank & Trust. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. Earnin Express Earnin Cash Back Rewards. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider or to inform you of billing errors, including errors related to insurance coverage. You understand and acknowledge that Earnin may modify the Content for formatting, navigational, integration or other purposes, but such modifications will not materially distort such Content. Just follow these steps. Legal Department 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.". Earnin may choose to share a portion of its Empyr publisher fee with Earnin Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice. If you believe that either your credentials or a device that you use to access the Site and/or our Services has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at support@earnin.com or live chat the Earnin team via the mobile app. any other communication related to the Sites or Services. Palo Alto, California USA 94306. Earnin will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert. How We Use The Information We Collect Note that we will only process one request per individual at time. There are no fees to obtain a Pay Out, receive a payout for Balance Shield, use Health Aid, or use Earnin Cash Back Rewards. If you do not provide this information or we cannot verify your identity, we can decline to allow you to use the Services. If we communicate with you via Messages, we may collect information regarding the communications, such as email opening confirmations, read text message data or received push notification data. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. 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. Financial Calendar- means your in-app calendar, which tracks bill reminders, daily earnings, recent Cash Outs, and when you have scheduled debits for Cash Outs. any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and 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. Evolve Bank & Trust. The Terms of Service will always indicate the date it was last revised. With respect to the Services, the rights under the California Consumer Privacy Act (CCPA) will be available to all Earnin Community Members for Personally Identifiable Information not otherwise excluded by the terms of CCPA or any associated regulations or guidance. Boost for boost will boost back immediately, Boost for Immediate Boost Back! Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. We do not intend to collect information from children under 13 years of age. Specific Rights Please update all your Profile Information whenever the information provided to us is no longer accurate. https://earnin.app.link/qN7rRmmPPib a boost for a boost. If you're a Firefox devotee, don't worry. Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. Earnin may ask you to complete questionnaires or participate in user research regarding the Earnin Site and Services, labor and employment issues in your state and generally, other topics to improve the Earnin Site and Services and to help create a more fair financial system. Attn: Compliance Team Not all Visa, MasterCard, and American Express cards are eligible for registration. These factors may be changed at any time, at our sole discretion. 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. any other communication related to the Sites or Services. Earnin may choose to share a portion of its Empyr publisher fee with Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice. You should print a paper copy of these Terms of Service and any Communication that is important to you and retain the copy for your records. 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 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. 200 Portage Ave. You may terminate our role as your agent and custodian and our ability to deposit funds you provide us in the Sub-Deposit Account by providing us with thirty (30) days prior written notice, such notice to be sent to Evolve Bank & Trust 6070 Poplar Avenue, 2nd Floor, Memphis, TN 38119. Earnin may post a notice on the Earnin Site if a security breach occurs. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. How We Use The Information We Collect You agree that our third-party service providers and the operators and owners of the third-party websites will be entitled to rely on the foregoing authorization granted by you. Can anyone in the Earnin Community help me boost my Max? Activehours uses Plaid Technologies, Inc. (Plaid) to gather End Users data from financial institutions. For example, this Personal Information may be disclosed to enable you to select the contacts with whom you would like to send a Max Boost, 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. Excluding Personally Identifiable Information described in the preceding sentence, to the extent other third party information, is combined with the data Earnin collects through the Services, will be subject to this Privacy Policy. Boost Please!! The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. You may not receive a credit if it is not posted by your card issuer. By using the Site and the Services and providing Profile Information to us, you authorize us to obtain, directly or indirectly through our third-party service providers, information about you and your Bank Account from the financial institution holding your Bank Account and other third-party websites and databases that may be necessary to provide the services. You may text stop to opt out at any time. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, Activehours'S 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). Can anyone in the Earnin Community help me boost my Max? We may also receive information about you from records held by third parties, such as marketing-related or demographic information. link/ZPxZyNSp3mb. California Consumer Privacy Act You can support our Services by tipping what you think is fair and/or by paying it forward to others within the Earnin community by paying a tip on behalf of another user. You agree to this Content License whether or not your Content is used by Earnin. You may access the terms of such agreement at any time here. https://earnin.app.link/TZOzioF5Vnb0 BOOST 4 BOOST? For more information about voluntary tips please reference the specific service below. Tip Yourself You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the, Activehours uses MX Technologies (MX) to gather End Users data from financial institutions. 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 to provide an update and/or request further information from you. You are responsible for any costs or damages related to the timing of authorization revocation. hey, do you still need one? to provide and deliver the Earnin Express Services you request, process transactions, and send you related information, including confirmations and/or verifications; create a record of the account transaction data and thereafter maintain and use data in connection with the operation of the Earnin Express Service; and. Your access and use of the Sites or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that Activehours, in its sole discretion, may elect to take. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. Health Aid Community Members may find the form to request their information from Earnin here, per CCPA requirements. All Communications in either electronic or paper format will be considered to be "in writing." Your access to this page through your device verifies that your device meets these requirements. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. It may be possible to disable some cookies through your device or browser setting. When you request a Cash Out, Max Boost or Balance Shield, you warrant that the earned wages being cashed out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else. Health Aid By using Medical Bill Review, you further authorize us to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. In lieu of charging interest and other fees, the app works on a voluntary tip system. Information We Share We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. Advocacy Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. link/ OL59rhV4Gwb. These factors may be changed at any time, at our sole discretion. Boost for boost. Does Earnin sell you Personally Identifiable Information? If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. You may only have one account with Earnin. Please visit the California Consumer Privacy Act section of this Privacy Policy for more information about rights you may have under California law. Does Earnin retain your data for as long as we need it unless you request deletion? Palo Alto, CA 94306 We will provide you with notice of any such termination or change as required by law. Information from Third Parties These voluntary tips help fund us and keep us going, but we want you to be in control of if, when, and how much to tip. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. Be delayed or prevented by a variety of factors Earnin retain your data for long... Time here all of the requirements, your DMCA notice may not receive a credit if it is posted. Plaid ) to gather End Users data from financial institutions it may delayed... May transfer funds to your Tip Yourself Services are not intended to provide you with a better experience & x27. Via electronic debits from your Bank account 3-5 days after that notify you any. 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