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If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. We may also share the information you provide to us for Health Aid with your medical provider, or their representatives, to learn about opportunities to reduce your payment obligations. This section explains how Earnin shares your information. For non-California residents, we will respond to your request as soon as we are able to. To ensure that the Earnin Site and Services work, we may need to share your Personal Information with third parties and service provides, as well as other users. 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. However, we may disclose certain Personal Information for a business purpose, as set forth above. 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). Activehours provides its Medical Bill Review Service for informational purposes only. 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 acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid. The repayment tenure is maximized as users repay their advances on time and in full. If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. Why does Earnin have Maxes? The use of the word "including" in these Terms of Service to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin and advocacy efforts with third parties or third-party goods or 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. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. An Earnin account will let you: You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (Profile Information). Your use of the Site and the Services must comply with all applicable law. Your access to this page through your device verifies that your device meets these requirements. 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. Tel. Such other information and documentation that we may require from time to time. Earnin may aggregate and modify Personal Information in a manner that does not personally identify you or any other individual and therefore is no longer Personal Information. For information about Activehourss data protection practices, please read Activehours's Privacy Policy, which is hereby incorporated into this Terms of Service. Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data. Activehours 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. and our Activehours authorization to initiate debit and credit entries to your bank account will remain in full force and effect until you revoke your authorization. For each piece of Content you submit, you acknowledge and agree that: TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Earnin, ANY THIRD PARTY SUBLICENSEE OF Earnin, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS, ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF OR RESULTING FROM THESE UGC TERMS OF USE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR HARM TO BUSINESS, LOST PROFITS, LOST SAVINGS, OR LOST REVENUES, HOWEVER SUCH DAMAGES ARE CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY. Balance Shield. 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. app. How to Unenroll in Cash Back Rewards. One Click Politics and FiscalNote 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. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Earnin may use your Personally Identifiable Information to verify your identity, comply with and support our bank partners compliance with applicable laws, including Anti-Money Laundering (AML) and sanctions screening rules, prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime, or violation of an agreement involving the Services. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. I used payday loans a lot with high interest rates however with Earnin community I save and I gain. Tip Yourself 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. You as the person that holds the Account, as defined in that certain Evolve Bank & Trust Customer Account Terms (the Account Agreement), hereby direct Evolve Bank & Trust, as your agent, and any of its designees, agents, representatives and affiliates (collectively, the Bank, our, us or we), as agent for you, to open and maintain in Banks Trust Department and/or with other depository institutions (each, an Insured Depository Institution) or the Federal Reserve Bank an omnibus custody account owned by the Bank, in which Bank pools the funds held by all of Activehours, Inc.s (the Company) customers, for their benefit, within which you will be issued a sub-account established in your name (Sub-Deposit Account). 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. Boost for boost? Any dispute with Activehours, or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case Activehours may seek such relief in any court with jurisdiction over the parties. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. It is important to know the amount of available funds in your Tip Yourself Account before instructing us to transfer funds from your Tip Yourself Account to your Bank Account. 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. 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. 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. 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. 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. By entering your payment card information, you authorize Activehours to share your payment information with its third-party service providers (including Empyr, Inc.) and your Payment Card Network (Visa, Mastercard, American Express, etc.) For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, a Arkansas-chartered depository institution. You agree that you will not: If we, in our sole discretion, have reason to believe that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect ourselves, other users, and other third parties from fees, fines, penalties, and any other liability. You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-1$100, but are under no obligation to do so. You do not meet one of the Boost feature qualifications. Max Boost. All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. 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. i dont need a boost but i have a boost or 2 to give Press J to jump to the feed. That Login ID and password, together with any account information, mobile number or other contact information you provide form your "Registration Information.". Opting out in this manner will not end transmission of service-related Messages. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself and Earnin Express, it does so pursuant to Evolve Bank and Trusts Privacy Policy, and such Personally Identifiable Information is not subject to this Privacy Policy. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. Link in comments. 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. You represent and warrant that you have the right to authorize us to credit and debit your Bank Account for credits you request and payments you authorize under these Terms of Service, and you agree to indemnify and hold us harmless from any claims by any other owner of the account. we may close, suspend, or limit your access to your account or ability to use the Sites or Services; we may update inaccurate information you provided us; we may decline to allow you to use the Sites or Services in the future; we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed. By using Tip Yourself Services, you authorize Earnin and Evolve Bank & Trust to access and transmit your personal and financial information from your Evolve Bank & Trust account to Earnin in accordance with Evolve Bank & Trusts privacy policy. Activehours will submit information including usernames and passwords that you provide to log you into the site. Please visit the One Click Politics Privacy Policy or the FiscalNotes Privacy Policy to learn more about how your information is shared. We may provide our registered customers with summaries of their Account Information and email alerts. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. It may be possible to disable some cookies through your device or browser setting. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy. these Terms of Service and any amendments, modifications, or supplements; Information Collected by Cookies and Web Beacons: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. You can opt out from future notifications by clicking on the unsubscribe link in emails from FiscalNote or in emails from Earnin, and/or via opt out language from any texts received. You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. and our By registering a payment card in connection with transaction monitoring for Earnin Cash Back Rewards, you authorize Activehours to share your payment information with its third-party service providers, Empyr, Inc., and its Payment Card Network (Visa, Mastercard, American Express, etc.) Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation. All funds associated with your deposit account are held by Evolve Bank & Trust. Information We Share B. You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Identification Information: You may also be asked to provide identification information to confirm your identity, including your first and last name, zip code and phone number. 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