Earnin may ask you to complete questionnaires or participate in user research regarding the Earnin Site and Services, labor and employment issues in your state and generally, other topics to improve the Earnin Site and Services and to help create a more fair financial system. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. We may also collect information using web beacons. Health Aid is for informational purposes only and does not guarantee any results. 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. If you're a Firefox devotee, don't worry. What is a Max? You agree that our third-party service providers and the operators and owners of the third-party websites will be entitled to rely on the foregoing authorization granted by you. There are no fees to close your account with us. We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. All Community Members may submit a deletion request regardless of state of residence. Do we share or sell aggregate information? We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. If youd like to receive your Cash Out from Earnin into your Bank Account more quickly, you might consider using Lightning Speed. 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. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Earnin Express Service. SPECIFIC RIGHTS Email: [email protected]. Balance Shield. How can I request my data from Earnin? these Terms of Service and any amendments, modifications, or supplements; records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; 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); any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and. 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. California Consumer Privacy Act 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. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. Notwithstanding anything to the contrary in the Terms and Conditions or Privacy Policy, Activehours and its third party service providers will use transaction information solely as follows: We may share personal information about you as follows: We take reasonable measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. We may also decline to offer Balance Shield to you at any time, without prior notice, if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the Services. Verified Source of Income- means either: (1) paychecks you receive from a Verified Employer. You may only designate one deposit account at your depository financial institution (your Checking Account) to transfer funds to your Sub-Deposit Account, as described in the Tip Yourself Terms of Service. Reddit and its partners use cookies and similar technologies to provide you with a better experience. 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. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. No Fees or Charges. Please note that your revocation of authorization when transactions are pending could result in delays to your receipt of funds and additional charges owed by you to Earnin. If we communicate with you via Messages, we may collect information regarding the Message (e.g., email opening confirmations, read text message data or received push notification data). 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 [email protected]. 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 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. 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. Vote. In order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A. payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate. 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. This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. terms and privacy. You are responsible for any costs or damages related to the timing of authorization revocation. 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. 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. I am thankful for the supplemental income from DoorDash. If you choose to share your contacts with Earnin, Earnin will, in accordance with your instructions, access and store your contacts information in order to identify connections and help you connect with them. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip and Earnin Express it does so pursuant to Evolve Bank & Trusts Privacy Policy. Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. 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. 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. Will return immediately. Earnin does not deny Services, provide different quality of Services, offer its products at a different price, limit your eligibility for products, or otherwise discriminate against you because you exercise any rights conferred by the CCPA. 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. These factors may be changed at any time, at our sole discretion. 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. You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. Opting out in this manner will not end transmission of Services related Messages. 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. The existence of the Sub-Deposit Account and any other account maintained by us pursuant to these Account Terms is for internal purposes and will not change the manner in which you use, obtain information about or earn interest (if any) on your Account. 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. To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights. Your Tip Yourself Account is subject (1) to a two thousand-dollar ($2,000) deposit limit, which is the same limit regardless of how many tip jars you have (any deposit that would cause your Tip Yourself Account to contain more than two thousand dollars ($2,000) will be declined); and (2) a $500 daily transfer limit. However, Earnin may use a Third Party to collect Personally Identifiable Information and/or may disclose certain Personaly Identifiable Information for a business purpose, as set forth above (i.e., Sections 1(C) Information from Third Parties and Section 3 Information We Share). Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. 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 Earnin Site and Services. We are not responsible if you use the Site and/or the Services in any manner that violates applicable law. Your access to this page through your device verifies that your device meets these requirements. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. 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