We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or to provide an update and/or request further information from you. 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). California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers 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. Third party information, if combined with the data we collect through the Services, will be subject to this Privacy Policy. 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. Please note that this temporary Max will expire at the end of the . By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. For all of Earnin Services, you agree that any form of electronic signature, including but not limited to signatures via facsimile, scanning, or electronic mail, may substitute for the original signature and shall have the same legal effect as an original signature. You must repeat this process for every card you wish to delete. These factors may be changed at any time, at our sole discretion. Depending on your bank, by providing us your debit card information or banking routing number and Bank Account information, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. The words "we", "us", "our" and any other variation thereof refer to Earnin. By using our service, you grant Earnin and Evolve Bank & Trust the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. Vote. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. This Custodial Account Authorization Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns; provided, however, you may not assign this agreement to any person without Banks written consent. Sorry, this post was deleted by the person who originally posted it. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members. This Personal Information helps us improve our delivery of the Earnin Site and Services. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. Earnin will not engage in any debt collection activities if the amount of the Cash Out is not repaid on the scheduled date, place the amount of the Cash Out as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the amount of the payout. Press question mark to learn the rest of the keyboard shortcuts. Pay It Forward In general, you can visit the Website and download the App without telling us who you are or sharing any Personal Information with Earnin. This has been a great help for me. Such other information and documentation that we may require from time to time. Earnin Cash Back Rewards. Information You Provide There are no required fees to obtain a Cash Out, Max Boost, set alerts for a Balance Shield or set a manual Balance Shield Cash Out, use Health Aid, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. Does Earnin share your data with third party partners? 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. These transfers, including the placement transfer, will not appear on your monthly statement. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. 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. 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. Removing your Bank Account may affect your ability to receive the Earnin Services. and Evolve Bank & Trust, an Arkansas-chartered depository institution. More information about how we use this third party information can be found in the Information from Third Parties Section. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy. After much review and a ton of feedback, Boost for Boost is no longer allowed within the community. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. request a Pay Out or use Balance Shield for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; access the Sites by any means other than through the interface that is provided by Activehours for use in accessing the Sites; we may take legal action against you; however, with respect to any Pay Outs or payout for Balance Shield, Activehours will not engage in collection efforts to collect payments due to us, place the amount paid out 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. 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. Allows you to set an alert to have Earnin send you a notification when your Bank Account falls below an amount that you set ($0-$400) to help you monitor your bank account balance. Activehours authorization to initiate debit and credit entries to your bank account will remain in full force and effect until you revoke your authorization. PLEASE READ THESE TERMS OF SERVICE CAREFULLY. If you have consented to participate in Earnin Cash Back Rewards, please visit the Terms to learn more about the data collection, use, and sharing practices in connection with the program. 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. 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. You may only Cash Out earned wages paid to you by your employer. As a condition of your use of the Sites and Services, you represent and warrant to Activehours that you will not use the Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service. Earnin may share information about or from you with these third-party service providers so that they can perform the requested services or complete your requests. While we contractually require our third-party providers to protect your Personal Information in accordance with this Privacy Policy, please note, that we do not own or control such providers and cannot guarantee their compliance. 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. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. Attn: Compliance Team 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 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.) 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. Evolve Bank & Trust. For Tip Yourself (Tip Yourself Service, we may use the Personal Information Earnin collects for additional purposes such as: Evolve Bank & Trust. 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. The policy may be updated from time to time at our discretion. Boost for a boost Can anyone in the Earnin Community help Press J to jump to the feed. Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a Cash Out. Once you upload a medical bill, Activehours will first determine if the bill is eligible for the Medical Bill Review Service, and then if Activehours determines your bill is eligible for the service, Activehours will send you an update within 48 business hours with either a final report of any available options to lower your medical bill payments that it was able to learn, or requesting further action from you in order to learn what options are available. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. 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. In some circumstances, we may work with third parties to provide services on our Website. If any action, suit or proceeding is brought against Bank in connection with any claim, loss or liability that is subject to indemnity hereunder, you may and, upon Banks request will, at your expense resist and defend such action, suit or proceeding, or cause the same to be resisted or defended by counsel selected by the you and reasonably acceptable to Bank. As a granter, you'll have one Boost. Verified Employer - an employer that (1) has a fixed work location in which you work out of (unfortunately at this time we are unable to support residential work locations) or an online/electronic timekeeping system at work; (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. By rejecting non-essential cookies, Reddit may still use certain cookies to ensure the proper functionality of our platform. You may not receive a credit if it is not posted by your card issuer. Your use of the Tip Yourself Service is governed by Activehours, Inc.s Terms of Service and the Tip Yourself Supplemental Terms of Service. At Earnin, we are building a financial system that works for people and is based in fairness and transparency. B. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. How can I request that Earnin delete my data? View more about Accessing the Earnin App 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. Opting out in this manner will not end transmission of service-related Messages. Please and thank you, Scan this QR code to download the app now. This sharing enables portions of the Services that allows users to connect and communicate. Link in comments. Clearing the cache on your iPhone is pretty straightforward. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined. 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. Push Notifications and Email and SMS Communications Shine the Light 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. You agree that Activehours and its Third Party Service Providers may view your transactions. Verified Source of Income- means either: (1) paychecks you receive from a Verified Employer. 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. For example, Earnin may use this information to display ads on Services on third-party websites. 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. Can anyone in the Earnin Community help me boost my Max? Can I have an agent make a request on my behalf? You will defend, indemnify and hold harmless Activehours and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorneys fees, in whole or in part arising out of or attributable to any breach of these Terms of Service by you. The words "we", "us", "our" and any other variation thereof refer to Earnin. Patient Name (if it is not the Community Member Name); Electronic copy of medical bill (or provider name, provider address and phone number); and/or. Boosts you grant and their associated debits do not affect your own pay period Max. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request. As part of Earnins Cash Out Services, you may be offered the opportunity to participate in Max Boost. 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. Any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, any marketing that led to consummation of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, regardless of whether they arise from contract; tort (intentional or otherwise); consumer protection laws; a constitution, statute, common law, or principles of equity; or otherwise will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. Please visit the Privacy Policy to learn more about how your information is shared. Shine the Light If Activehours, in its sole discretion, believes that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect Activehours, other users, and other third parties from fees, fines, penalties, and any other liability. Do we track your browsing activities on other sites? You shall have the right in each case at your sole expense to investigate, and the right in your sole discretion to defend or compromise any claim, loss or liability for which indemnification is sought. https://earnin.app.link/Pedro3497 If you are a earnin user who has cashed out, all I need 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. For example, we may use your information to pre-fill form fields on the Sites for your convenience. For purposes of these Terms of Service and solely to provide the Account Information to you as part of the Service, you grant Activehours a limited power of attorney, and appoint Activehours as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by us to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. Earnin does not sell your Personal Information. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. Activehours will not engage in any debt collection activities if the payout is not repaid on the scheduled date, place the payout as a debt with or sell it to a third party, or report to a consumer reporting agency concerning the amount of the payout. 4.021.319.19.01 extension 553 secretariat@amp.ase.ro; 6 Piata Romana, 1st district, Bucharest, 010374 Romania 2-10 Caderea Bastiliei Street, District 1, 010374 . 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. How can I request my data from Earnin? Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). You can update your Profile information by clicking on the settings link after you login. The world works best when people help each other. 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. 200 Portage Ave You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-$100, but are under no obligation to do so. Does Earnin track your device location while you are not using the app? and our Earnin makes commercially reasonable efforts to provide alerts in a timely manner with accurate information, but we cannot guarantee the delivery, timeliness, or accuracy of the content of any alert. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. We do 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 this service. Over time, based on a number of factors, it can adjust to range from $50 to $500. 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. Any termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you. 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.) 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. By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data described above and herein by and among Earnin and Earnins third party service provider, applicable Payment Card Networks and applicable merchants. 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. 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. Legal Department 3. Does Earnin use your phone contact list if you allow us access? Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. You authorize Payment Card Network to monitor transactions on your registered card(s) to identify Qualified Purchases in order to determine whether you have qualified for or earned an offer linked to your payment card, to calculate your rewards, redeem rewards, and for Payment Card Network to share such transaction details with Empyr and for Empyr to share such transaction details with Activehours to enable your card-linked offer(s) and target offers that may be of interest to you in accordance with the Earnin Cash Back Rewards Terms of Use and Privacy Policy. For INCIDENTAL OR CONSEQUENTIAL DAMAGES that allows users to connect and communicate receive from a employer... Location while you are not using the app based in fairness and transparency helps us improve delivery. Activehours and its third party Service providers may view your transactions our platform security breach, we may with., the accuracy and effectiveness of the feedback, Boost for Boost is no longer within... 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