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. These terms of service ("Terms of Service") constitute a legal agreement between you and Activehours, Inc., (Activehours) a Delaware corporation, and govern use of the Site and the Services and your use of the Site and the Services. 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. As used in these Terms of Service, the words Community Member, "you" and "your" refer to you, the user of Earnins website, device, and/or applications, as the party agreeing to these Terms of Service. 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. 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. 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. This sharing enables portions of the Services that allows users to connect and communicate. You must repeat this process for every card you wish to delete. Personally Identifiable Information does not include information that has been aggregated, de-identified, or anonymized so it does not identify you. We will not place funds with more than one Insured Depository Institution. Earnin does not currently respond to DNT Signals. No system, however, is perfectly secure and, therefore, we recommend that, when you register for our Site and use our services, you take reasonable steps to secure your personal information, including using use a unique password that you do not use on other Sites. Please note that tips are non-refundable. You irrevocably transfer and assign to Earnin any and all rights that you may have to any interest that may accrue on funds held in your Tip Yourself Account. Activehours uses Plaid Technologies, Inc. (Plaid) to gather End Users data from financial institutions. Do we delete your data when you request an account deletion. YOU ARE GIVING UP YOUR RIGHT TO SERVE AS A REPRESENTATIVE, AS A PRIVATE ATTORNEY GENERAL, OR IN ANY OTHER REPRESENTATIVE CAPACITY, OR TO PARTICIPATE AS A MEMBER OF A CLASS OF CLAIMANTS, IN ANY LAWSUIT INVOLVING ANY SUCH DISPUTE. to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications; create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and. 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. You hereby consent to such release of information. 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. Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. 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. 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. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. We may, from time to time, run referral programs. Health Aid is for informational purposes only and does not guarantee any results. 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. 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). To create an account, you must be a resident of the United States or one of its territories, be at least 18 years old or the age of majority in your state of residence, have a Verified Source of Income, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the. 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. THE SITES, SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. 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. Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the merchant at the time of purchase and will instead be reflected as part of the aggregate amount received from Earnin. 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. You agree to promptly alert us whenever you stop using a telephone number. There is a $250 cashback limit per transaction. To close your Tip Yourself Account, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. As used in this Privacy Policy, the term "Site" includes: all websites and all devices or applications operated by Activehours that collect personal information from you and that link to this Privacy Policy; 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. D. information collected when you use specific Earnin services. You will have a set Daily Max, which is the maximum you are allowed to Cash Out in one day, as well as a Pay Period Max, which is the maximum amount you can Cash Out before the next scheduled deposit. This has been a great help for me. 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. We may limit the amount we send you for Balance Shield at any given time or over a period of time. Vote. Earnin will also communicate with you outside FiscalNote using email, SMS, text messages or push notifications (collectively Messages) about Earnins advocacy efforts, to request your input or participation in advocacy or other engagement on behalf of Earnin. You agree to maintain a balance that is sufficient to fund all payments that you initiate. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR ANY PARTICULAR PURPOSE, AND NONINFRINGEMENT. Any feedback, questions, comments, suggestions, ideas, or the like that you send to Earnin will be treated as being non-confidential and nonproprietary, and Earnin will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information. Information You Provide When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. If you enable Lightning Speed, you may fund your Tip Yourself Account in minutes with your debit card. 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. 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. 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. 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. Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. Please note that we use Empyr, Inc. as our service provider to help us operate our program. We reserve the right to charge your Bank Account at any time on or after the day the paycheck associated with the earned wages you have requested is expected to deposit into your Bank Account. terms and privacy. Your Sub-Deposit Account will also have a daily maximum transfer limit of five hundred dollars ($500). SECURITY Just keep in mind that regular tips add up. 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. However, you must contact us directly in order to correct certain information, such as your email address. Financial Calendar What will happen to my available earnings when I go outside the U.S? For example, Earnin may use this information to display ads on Services on third-party websites. Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. A Qualified Purchase is a purchase from a participating merchant using your debit or card in accordance with the terms of the Offer and these Terms of Service. an agreement to resolve disputes in small-claims court, Consent to Receive Electronic Disclosures (E-Sign Disclosure and Consent), Accuracy of and Changes to your Information, Disclosure and Consent to Electronic Communications, Modification to Site or Terms and Services, Activehours's Intellectual Property Rights, Disclaimer of Presentation and Warranties, Collection of Personally Identifiable Information, Service Specific Collection of Information, Non-Personally Identifiable Information (Aggregated and Anonymized Data), Push Notifications, Email and SMS Communications, information Earnin collects automatically, information Earnin collect from third parties, information collected when you use specific Earnin services, Non-Personal Information (Aggregated and Anonymized Data), Push Notifications and Email and SMS Communications, PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS. 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