This Personal Information helps us improve our delivery of the Earnin Site and Services. (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. You can turn Balance Shield on or off, and/or edit your pre-selected voluntary payment amount at any time. 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. When you request a Pay Out or turn on Balance Shield, you warrant that the earned wages being paid 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. If at any time the opinions expressed in your submission change, you must notify use immediately; The Content does not include any confidential or proprietary information of any kind, whether belonging to you or to a third party; The Content does not include mention or performance of any copyrighted media production including but not limited to books, articles, photographs, artwork, music, etc., or identifying descriptions of any media property; The Content must not contain material that violates or infringes any third party's intellectual property, privacy or publicity rights. The Terms of Service will always indicate the date it was last revised. Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. Changes take effect immediately upon posting. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. https:// earnin.app. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. 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. You agree that Activehours and its Third Party Service Providers may view your transactions. and our YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. Activehours will submit information including usernames and passwords that you provide to log you into the site. 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. Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personaly Identifiable Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. Tip Yourself To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Earnin Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys fees arising out of or relating to (i) your access to, use of or alleged use of the Site or the Services; (ii) your violation of these Terms of Service or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. 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. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. Can anyone in the Earnin Community help me boost my Max? When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the Requestor or Grantor: When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as: For Tip Yourself (Tip Yourself Service), we may use the Personal Information Earnin collects for additional purposes such as: Some Personal Information is public information (including your first name and the first initial of your last name, profile photo, and public tip reasons you decide to share), and may be seen by anyone accessing the Tip Yourself Service on the App, by any Tip Yourself logged in user. The actions we may take include the following: we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. 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. 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. This policy explains how Activehours treats your personal information when you use the Service. Palo Alto, California USA 94306. You further agree to promptly update all your Profile Information whenever the information provided to us is no longer accurate. You may designate an authorized agent to make a request on your behalf. In no event will Activehours be liable to any party for any loss, cost, or damage that results from any period of downtime of the Sites or Services. We may limit the amount we send you for Balance Shield at any given time or over a period of time. If you participate in the Cash Back Rewards program, please visit the Terms of Service, to learn more about the rules and guidelines that apply to govern your use of Cash Back Rewards. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. careers help. Push Notifications, Email and SMS Communications By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with us, your Tip Yourself Account. Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost. Unfortunately, not all medical bills are eligible for Health Aid. If you generally fail to maintain a balance in your bank account that is sufficient to cover your repayment of a Pay Out, we may decline to allow you to obtain a Pay Out for as long as we determine to be necessary or appropriate. Your use of the Site and the Services must comply with all applicable law. We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or offer you opportunities to use new Services or features that we believe may be of interest to you. Fees may apply to Lightning Speed in some instances. When you use certain Earnin Services, we need to collect additional information from you and third parties. You may text stop to opt out at any time. Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personal Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law. Palo Alto, CA 94306 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. Health Aid. 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 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. Make sure everyone feels safe. As used in these Terms of Service, the term "Site" includes all websites, devices, and/or applications we operate that link to these Terms of Service, pages within each such website, device, or application, any equivalent, mirror, replacement, substitute or backup website, device, or application, and pages that are associated with each such website, device, or application. We believe that the world is a better place when we all help each other out. Making a Boost request will increase your pay period Max beyond your net pay on payday. 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 we are unable to access funds from your bank account to complete a payment that is owed to Activehours, we will have no legal or contractual claim or remedy against you based on your failure to repay, however, you will be prevented from using the Services until you repay any outstanding balance owed to Activehours. We are under no obligation to place your funds with an Insured Depository Institution. These Terms of Service represents the entire understanding and agreement between you and Earnin regarding the subject matter of the same, and supersedes all other previous agreements. https://earnin. A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account. With respect to the Services, the rights under the California Consumer Privacy Act (CCPA) will be available to all Earnin Community Members. DO NOT TRACK However, if we have been unable to recoup payment of a Cash Out from Earnin, you will be unable to use the Services and Site even if you reactivate your account and sign up again until we are able to recoup any unreimbursed Cash Outs. Boost for Boost. You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES 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). Collection of Information Service Specific Collection of Information: We also use some of this information to improve our Services, the Website and App, provide you with advertisements and to develop new services and let you know they are available. 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 Evolve Bank & Trust. For example, we may use this non-Personal Information to generate aggregate user statistics, train artificial intelligence models, demographic information, and usage information. Counter-Notice. 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. Everyone needs to eat Dm me too. 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. 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. 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. Our failure to charge your bank account for repayment of a Pay Out or payout for Balance Shield within a set amount of time does not constitute a waiver of our right to charge your account for such funds. By using the Service, you expressly authorize Activehours to access your Account Information maintained by identified third parties, including but not limited to your bank, on your behalf as your agent. Does Earnin give you notice when we make important changes to our Privacy Policy? Shine the Light about us. If you have opened an account with us and you wish to withdraw your consent to have Communications provided electronically, you must close your account by contacting support@earnin.com or using live chat with the Earnin team via the mobile app, and stop using the Sites and Services. Click PLACE NOW to place immediately, or put the device in the QUICK BAR to place later. You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: If we are unable to access funds from your Bank Account to complete a payment that you authorized Earnin to take, you may be prevented from using the Site and the Services until you repay any outstanding amount. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy. 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. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below: Our commitment to protecting your information is described in the sections outlined below: We may use the information you provide about yourself and about your Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest 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. 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. 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. 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. I am thankful for the supplemental income from DoorDash. Activehours also allows you to submit your medical bills (including, medical, dental and vision) to Activehourss medical billing negotiators to negotiate lower payment options with your medical providers (Health Aid, formerly known as MediPal). 200 Portage Ave PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS Does Earnin delete your data when you request an account deletion. Activehours 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 Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards. Earnin may use your Personally Identifiable Information to facilitate transactions and activities that need to occur for the Services to take place, such as: Generally, we may use the Personally Identifiable Information we collect from you or that you provide to us: We do not sell your Personally Identifiable Information. You may not receive a statement credit if it is not posted by your card issuer. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. 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. 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.". We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. Removing your Bank Account may affect your ability to receive the Earnin Services. Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. 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. These Terms of Service represents the entire understanding and agreement between you and Activehours regarding the subject matter of the same, and supersedes all other previous agreements. 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. You may also email us at privacy@earnin.com with any privacy related questions you may have. Unfortunately, not all medical bills are eligible for Health Aid. 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. 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). Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 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