Cash Back Rewards Welcome to Earnin! 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. We may provide your name, tax identification number and other pertinent identifying information to Insured Depository Institution, and other parties providing services in connection with the placement of your funds and the establishing and holding the Sub-Deposit Account. 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. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin. How can I request that Earnin delete my data? Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data. 3. This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of: Please also read our Terms of Service which sets out the terms governing the Services. There is a $250 cashback limit per transaction. To use Automatic Earnings, we need your phones GPS (location services) to be on at all times, and you must have a fixed work address. For example, we may use this non-Personal Information to generate aggregate user statistics, create infographics and other data graphs, train artificial intelligence models, demographic information, and usage information. 200 Portage Ave. https://earnin.app.link/9aj0OKM9zub As a granter, you'll have one Boost. Generally, Balance Shield Cash Out will need be turned on manually after each Balance Shield Cash Out, however, setting a voluntary tip ($1.50-$14.50) triggers Earnin to automatically keep Balance Shield Cash Out on even after a Balance Shield Cash Out. Introduction Earnin accepts voluntary tips in appreciation for Services rendered. If you do not have sufficient available funds in your Sub-Deposit Account to cover the amount of the requested transfer, your request for the transfer will be declined. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 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. You will not receive any written confirmation of the establishment of the Sub-Deposit Account or transfer of funds to or from the Sub-Deposit Account; instead, we will maintain records clearly indicating the transfer and beneficial ownership of the Sub-Deposit Account. TERMINATING YOUR EARNIN ACCOUNT. Lightning Speed. For more information about voluntary tips please reference the specific service below. Earnin may automatically collect the following information about your use of our Site, App, or Services through cookies, web beacons, log files and other technologies: We receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. 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. Great community app for helpers. Please update all your Profile Information whenever the information provided to us is no longer accurate. These factors may be changed at any time, at our sole discretion. Activehours does not enter into any binding agreement with third-parties on your behalf or make any payments to any third-parties on your behalf in connection with its Medical Bill Review service. When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: 7. If you believe that your Registration Information or a device that you use to access any Site 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 atsupport@earnin.com. 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 may access the terms of such agreement at any time here. Without limiting the foregoing, no Content on the Sites may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Activehours or the appropriate licensor or supplier. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members. By using Medical Bill Review, you also agree to waive any rights you may have to prevent Activehours 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. 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. Health Aid is for informational purposes only and does not guarantee any results. We store and process your Personal Information using data centers in the United States. Max Boost Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. Specific Rights 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. 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). When using Earnin, community members may start with up to $250 Pay Period Max. Balance Shield. At Activehours, Inc. d/b/a Earnin (Earnin), we believe that visitors to the Earnin website and/or mobile application and Earnin Community Members (Community Members,) (collectively you or your) deserve clarity and transparency as to how Earnin uses your Personal Information. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. Just keep in mind that regular tips add up. Do Not Track Signals 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.) Please review it occasionally. How We Use The Information We Collect As used in these Terms of Service, the words "you" and "your" refer to you, the user of Activehourss website, device, or applications, as the party agreeing to these Terms of Service. 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. 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. For good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you hereby irrevocably grant to Earnin, as well as its respective licensees, successors and assigns (herein collectively called the "Licensed Parties"), the worldwide, fully-paid, royalty-free, sub-licensable right during Earnins use of the Content (License Term) to use, publish, broadcast, post online, and copyright : (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 Shine the Light As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. We may provide our registered customers with summaries of their Account Information and email alerts. DO NOT TRACK When you request a Max boost from another community member, you will get a temporary $50 Pay Period Max increase. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request. It may be possible to disable some cookies through your device or browser setting. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal. We have the right to adjust your maxes at any time. You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. How to clear your iPhone cache in Firefox. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction, but may be subject to delays. (ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe. 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. Does Earnin delete your data when you request an account deletion. We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service. BOOST 4 BOOST WILL RESPOND QUICK PLEASE!!!! Boost for Boost. The Tip Yourself Service allows you to better track and meet your savings goals by allowing you to authorize one-time and/or recurring transfers from your Bank Account to your Tip Yourself Account. Advocacy 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. D. information collected when you use specific Earnin services. How to Unenroll in Cash Back Rewards. 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. You also acknowledge and understand that, with respect to any dispute with Activehours, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: You agree that if Activehours does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Activehours has the benefit of under any applicable law), this will not be taken to be a formal waiver of Activehours's rights and that those rights or remedies will still be available to Activehours. You are not required to pay any fees or charges to use any of the Earnin Services. 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. Changes take effect immediately upon posting. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. However, you must contact us directly in order to correct certain information, such as your email address. Over time, based on a number of factors, it can adjust to range from $50 to $500. Balance Shield also incorporates Cash Out, by automatically setting a cash out of up to $100 when your Bank Account balance has fallen below $100. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ENROLL IN EARNIN CASH BACK REWARDS, ACCESS OR USE THE SITE OR THE SERVICES. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. If you participate in Earnins advocacy and engagement efforts, Earnin will share your information with One Click Politics, FiscalNote and/or other similar platforms (collectively the Advocacy Program). THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES. For more information on FDIC insurance coverage, please visit www.FDIC.gov. We will not place funds with more than one Insured Depository Institution. You agree to maintain a balance that is sufficient to fund all payments you initiate. Email: legal-notices@earnin.com. Nothing in this section shall be deemed to prevent us from disclosing information to a third party if required by law. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personal Information only for those employees who require it to fulfill their job responsibilities. Search Reddit posts and comments - see average sentiment, top terms, activity per day and more attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service. Over time, based on a number of factors, a person's Max can adjust to range from $50 to $500. We also use this information to communicate back to you regarding the outcome of any negotiation attempts. 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. If you participate in Earnins Advocacy and Engagement program, Earnin will provide your location information to One Click Politics. 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. link/ZPxZyNSp3mb. This section explains how Earnin shares your information. download download. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer; Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction; Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign; Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program; Conduct analysis for the improvement and optimization of the program; and. Activehours reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice, including Pay Outs, Balance Shield, Medical Bill Review and Earnin Cash Back Rewards. At Earnin, we believe that visitors to the Earnin website and/or mobile application (Visitors) and Earnin Community Members (Community Members,) (herein, Visitors and Community Members are collectively referred to as you or your) deserve clarity and transparency as to how Earnin uses Personally Identifiable Information. Press question mark to learn the rest of the keyboard shortcuts. Non-Personal Information (Aggregated and Anonymized Data) 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. When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request. This Privacy Policy does not apply to the practices of the third-party services or applications, including third parties with which we partner and may make information available to. Please update all your Profile Information whenever the information provided to us is no longer accurate. A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed; Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site; Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material; Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail; A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and. 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. 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. Accurate records enable us to provide the Sites and Services to you. We reserve the right to modify this information at any time. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. You must repeat this process for every card you wish to delete. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Cash Out. 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. Earnin uses Personally Identifiable Information we collect to provide the Services, help us verify your identity, set up your account, and provide you with customer service. All rights,title and interest in the Content is hereby reserved. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. Can anyone in the Earnin Community help me boost my Max? 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. We do not share your Personal Identifying Information with third parties for the third parties own and independent direct marketing purposes unless we receive your permission. 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). 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. These third-party services are governed by the third partys privacy policy. If you choose to enable Balance Shield Cash Out to activate automatically and set a voluntary tip every time, Balance Shield Cash Out will stay on indefinitely until you turn it off. This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you. SECURITY For more information about voluntary tips please reference the specific service below. Community members may start between a $50 to $250 Pay Period Max. by requesting a Cash Out prior to when that income is deposited into your Bank Account, by requesting a Cash Out. PLEASE READ THESE TERMS OF SERVICE CAREFULLY. Please visit the Privacy Policy to learn more about how your information is shared. If our changes materially reduce your rights or increase your responsibilities, we will provide notice to you via in-app notification and/or email at least 10 days prior to implementing the changes to the Policies. When a community member sends you a request to Boost their pay period Max, you can send them a $50 Max increase by using one of your Boosts. Service Specific Collection of Information: 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. App users can check their current daily and maximum pay period by tapping on "MAX INFO" in the app. 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. Your payment card may only be enrolled in one program operated by Empyr, Inc. 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. Only funds from your Bank Account may be transferred to your Tip Yourself Account. 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. 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