California Consumer Privacy Act 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. Despite our efforts, we cannot guarantee that Personally Identifiable Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. 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. There is a $250 cashback limit per transaction. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. 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. You agree to maintain a balance that is sufficient to fund all payments that you initiate. I am reliable and have a steady job but I could use the extra cash for small car problems. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. first and last name (including legal names); whether you are employed, unemployed, or furloughed; Social Security Number or Individual Taxpayer Identification Number; Drivers License information or other state identification; A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request; a phone number, a text-enabled cellular or wireless telephone number; and/or. If we are unable to locate you, we may be required to deliver any funds in your Tip Yourself Account to the applicable state as unclaimed property. Why is Earnin available in the U.S only? Removing your Bank Account may affect your ability to receive the Earnin Services. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS Standard message and data rates may apply to all SMS messages (including text messages). You understand that, in return for agreement to this provision, Earnin is able to offer the Service at the terms designated, and that your assent to this provision is an indispensable consideration to these Terms of Service. Does Earnin need your device location for the service to work? Lightning Speed. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach), please email us at privacy@earnin.com. You further agree that: Activehours is not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges) that result from your failure to maintain a balance or available credit in the bank account that is sufficient to fund all payments you initiate. Service Specific Collection of Information: If you believe that your Content has been copied in a way that constitutes copyright infringement, you may provide us with written notification of your claim in accordance with the requirements of the U.S. Digital Millennium Copyright Act of 1998 by emailing legal-notices@earnin.com or sending Earnin a physical notification at: ActiveHours, Inc. d/b/a Earnin You may not use the Site or Services, or accept these Terms of Service, if. If you need help in changing your Profile information, please email us at support@earnin.com or live chat the Earnin team via the mobile app. . To ensure that the Earnin Site and Services work, we may need to share your Personally Identifiable Information with third parties and service providers, as well as other users. By submitting this content to Activehours, you represent that you are entitled to submit it to Activehours for use for this purpose, without any obligation by Activehours to pay any fees or other limitations. disclosures or notices provided in connection with the Services, including any required by federal or state law (including initial disclosures, periodic statements, periodic and annual error resolution notices, initial and annual privacy notices, opt-out notices, and change-in-terms notices); Palo Alto, CA 94306 We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin or third-party goods or services. When you register for Tip Yourself and from time to time thereafter, we may require you to provide and/or confirm the information and documentation that will allow us to identify you, including Required Identifying Information. Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. 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). We also use some of this Personally Identifiable Information to improve the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available. How can I request my data from Earnin? This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. You may not receive a statement credit if it is not posted by your card issuer. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. 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. 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. You understand that, in order to view and/or retain copies of the electronic Communications, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome). We reserve the right to modify this information at any time. Tip Yourself 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. Can Earnin app be used outside of the U.S? These inquiries may include asking you for further information, requiring you to provide a taxpayer identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. You agree that you will not receive interest or other earnings on the funds in your Tip Yourself Account. This information may be collected through cookies, web beacons, log files and other technologies. We strive to ensure security on our systems. a copy of your government-issued photo ID, such as a passport or drivers license; 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. Pay It Forward If you have already enrolled a payment card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Earnin Cash Back Rewards and the other Empyr, Inc.-operated program. You may only have one account with Earnin. You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. 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. Does Earnin delete your data when you request an account deletion. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. If you register a debit card, your transaction must be processed as a credit (i.e., signature) transaction to make sure the transaction can be monitored. Do we give you advance notice when we make important changes to our Privacy Policy? 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. 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. (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. Information You Provide Information from Third-Party Sites: In order to display information to you or to fulfill your requests for certain products and services through a Service, we may collect, on your behalf, your account and other personal information from Third-Party Sites that you register under your account via the Service. Shine the Light Attn: Compliance Team You must repeat this process for every card you wish to delete. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Earnin Services, you are licensing that content to us solely for the purpose of providing such Services. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. YOU ACKNOWLEDGE AND AGREE THAT WHEN EARNIN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, EARNIN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You must repeat this process for every card you wish to delete. SECURITY Required Identifying Information depending on the Service, we may require certain information to validate who you are, including but not limited to: Verified Employer- (1) that has a fixed work location in which you work out of and has an online/electronic timekeeping system, or is verified by any other means that we may permit; (2) is paying you on a regular pay schedule (weekly, bi-weekly, semi-monthly, monthly); and (3) is paying up to 50% of your earnings into your Bank Account.) You can opt out from future notifications by clicking on the unsubscribe link in emails from One Click Politics or FiscalNote, in emails from Earnin, or via opt out language from any texts received. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. any other communication related to the Sites or Services. For example, we may use this non-Personal Information to generate aggregate user statistics, train artificial intelligence models, demographic information, and usage information. 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. 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. We like putting you in control. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Activehours through the Service, you are licensing that content to Activehours solely for the purpose of providing the Service. Specific Rights We also use some of this information to improve our the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available. With respect to the Services, the rights under the California Consumer Privacy Act (CCPA) will be available to all Earnin Community Members. 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. As a granter, you'll have one Boost. 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. 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. link/ZPxZyNSp3mb. If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. You may only have one account with Earnin. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. These UGC Terms of Use is governed by the laws of the State of California, excluding its conflicts of law rules. link/ OL59rhV4Gwb. You authorize us to make any inquiries we consider necessary to validate your identity. 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. When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. 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. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members. I am thankful for the supplemental income from DoorDash. The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Banks Trust Department or Federal Reserve Bank. If requested, you will sign any documentation in such manner and at such location as may be required to protect, perfect or enforce any of the rights you have granted to Earnin under these UGC Terms of Use. If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. Evolve Bank & Trust. Balance Shield alerts can stay on indefinitely until you turn them off. 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. 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. California Consumer Privacy Act The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. 1. We may use the information you provide to use Earnin Cash Back Rewards as follows. Please note that this temporary Max will expire at the end of the . This section explains how Earnin shares your information. The owner of the Sub-Deposit Account is Bank as agent and custodian for you. 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. Palo Alto, CA 94306. 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. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. 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. 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. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. You can scroll to select the device, use the Search box to look up the device by name, or the Categories in the panel on the left. 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. Drivers License or other state identification; The number of new Community Members you have created via referrals (i.e invitation program and the Max Boost referral link(; create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service; and. 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. If you're a Firefox devotee, don't worry. When using Earnin, community members may start with up to $250 Pay Period Max. Push Notifications and Email and SMS Communications MISCELLANEOUS. Max Boost There is a $250 cashback limit per transaction. If you have already enrolled the debit or credit card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Cash Back Rewards and the other Empyr, Inc. operated program. 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). Your maxes are determined based on an evaluation of a number of factors we have identified that we believe are related to evaluating your financial health. request a Cash Out, Max Boost, or use Balance Shield Cash Out for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; use the Sites or Services in any manner that could damage, disable, overburden, or impair the Sites or Services; obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites or Services; access the Sites by any means other than through the interface that is provided by Earnin for use in accessing the Sites; use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site or Services; or. 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