This sharing enables portions of the Services that allows users to connect and communicate. 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). You are not required to pay any fees or charges to use any of the Earnin Services. An "Offer" is the cashback 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 with the offer. If Earnin, makes changes to this information, the updated information will be posted on the Earnin Site. This temporary Max Boost will expire at the end of the pay period. Please visit the Privacy Policy to learn more about how your information is shared. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personally Identifiable Information which we disclose or otherwise entrust to them. 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. and our 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. These voluntary additional payments help fund Activehours. 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. You are responsible for monitoring your Daily Max and Pay Period Max to ensure that the Cash Out application of Balance Shield is available to you. Personally Identifiable Information does not include information that has been aggregated, de-identified, or anonymized so it does not identify you. Earnin will send you an annual reminder that Balance Shield is turned on. Activehours provides its Medical Bill Review Service for informational purposes only. You authorize us to make any inquiries we consider necessary to validate your identity. We like putting you in control. EARNIN IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. Can I use VPN to access the Earnin app? All funds associated with your deposit account are held by Evolve Bank & Trust. Unless otherwise required by applicable law, Earnin is under no obligation to store such Personally Identifiable Information indefinitely and disclaims any liability arising out of, or related to, the destruction of such Personally Identifiable Information. Earnin Cash Back Rewards. DO NOT TRACK 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 This section explains how Earnin shares your information. We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. To the extent you use a Service for banking or other financial services, the Service is intended only to assist you in your financial organization and decision-making and is broad in scope. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. 200 Portage Ave. By using the Services, you agree that Earnin may communicate with you electronically. Can anyone in the Earnin Community help me boost my Max? You hereby authorize and permit Activehours to use and store information submitted by you to the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. As a granter, you'll have one Boost. This sharing enables portions of the Services that allows users to connect and communicate. app.link/duqAHxi95ob. 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 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. Can anyone in the Earnin Community help me boost my Max? From Create mode, press the Tab key to open the CREATIVE inventory screen. Do we send you push notifications with the option to opt out? We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Does Earnin track your browsing activities on other sites? a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. We like putting you in control. When you provide your Authorized Bank Account login credentials to our third party vendors, you authorize Earnin to use the information they provide to enhance your use of Earnins Services. YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN. If you provide us a debit card, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. We also outsource some of Earnins functions to third-party service providers, such as data storage providers, platform administrators, customer service and/or other services. Lightning Speed. Earnin may post a notice on the Earnin Site if a security breach occurs. If your bank is not listed, then Earnin unfortunately is unable to support it as of today and you will not be able to use the Site or Services. Certain internet browsers have incorporated Do Not Track features. 15 Jan 2023 14:26:47 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. 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. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information covered will be included in our response. If you are a California resident, you expressly waive California Civil Code 1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR.". At ActiveHours, Inc. d/b/a Earnin (Earnin), we are building a financial system that works for people and is based on our goal to be fair and transparent. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. Email: legal-notices@earnin.com. 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. Do we track your browsing activities on other sites? 1. We will not place funds with more than one Insured Depository Institution. Community members can have a Daily Max of up to $100. There are no required fees to obtain a Cash Out, Max Boost, set alerts for a Balance Shield or set a manual Balance Shield Cash Out, use Health Aid, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on www.Earnin.com or through the Earnin App and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. There is a $250 cashback limit per transaction. Opting out in this manner will not end transmission of service-related Messages. No Obligation to Repay. We will recoup payment for Pay Outs or a payout for Balance Shield directly from your bank account upon deposit of your next paycheck. The funds deposited in the Sub-Deposit Account will be FDIC insured to the same extent as if such funds were held in the Account with us and shall be aggregated with deposits maintained in your Account with us. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. our mobile application (herein Application or App); (the Website and App are collectively referred to as (Earnin Site) and This section explains how Earnin shares your information. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. We are not, however, acting as your financial adviser. Do we use your phone contact list if you allow us access? With all of Earnins Services and the Site, you choose whether to pay, what to pay, and how often you pay. Click the hamburger . Max Boost Privacy Policy. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of: If your use of the Site and/or the Services is prohibited by applicable law, then you are not authorized to use the Site and/or the Services. If your payout under Balance Shield is less than $100, your voluntary additional payment amount will be prorated based on the amount of money that Balance Shield cashes out. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. You consent to receive SMS messages (including text messages), including prerecorded and artificial voice and autodialed from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Earnin account. Earnin is a popular paycheck advance app that lets users borrow up to $100 a day and up to $500 during each pay period the largest cash advance limit of any app on this list. We may also send an email to you at the email address you have provided to us. Web beacons are electronic images that may be used in our Services or emails. 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, 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. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). You agree that by submitting documents, including documents containing medical and insurance information, for Medical Bill Review, you are disclosing the documents to us and expressly authorize us to review the contents of each document. There is no fee or charge to use Balance Shield alerts. Introduction You may not copy, imitate, modify or use them without our prior written consent. To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. There are no fees to close your account with us. 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. 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. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. We reserve the right to 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. 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. 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. No Hate Speech or Bullying. Active Hours, Inc. d/b/a Earnin Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). https://earnin.app.link/Pedro3497, If you are a earnin user who has cashed out, all I need is to get in contact with you so I can send you a text to increase my max limit I can take out of my earnings. 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