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. 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. Third-Party Credentials: You may also enter in certain passwords, usernames, account numbers, and other account information for third-party sites and Internet services ("Third Party-Sites"). (ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe. DO NOT TRACK All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. 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. 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. 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. 4. Everyone needs to eat Dm me too. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service. 1. You must confirm with Earnin youve provided the authorized agent permission to submit the request. 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 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. Why does Earnin have Maxes? Cash Back Rewards. attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service. Press question mark to learn the rest of the keyboard shortcuts. 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. Can I use VPN to access the Earnin app? These factors may be changed at any time, at our sole discretion. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. 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. Information from Third Parties You further agree to promptly update all your Profile Information whenever the information provided to us is no longer accurate. 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. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity and Bank Account information. Health Aid 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. We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently the Earnin Site or the Services with or without notice. When a community member sends you a request to Boost their pay period Max, you can . To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer; Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction; Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign; Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program; Conduct analysis for the improvement and optimization of the program; and. Device ID: When you use the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Do we delete your data when you request an account deletion. 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. We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service. If you wish to revoke your authorization, you may do so by contacting support@earnin.com at least three business days before the day the transaction is scheduled and stop using the Sites and the Services. Not all Visa, MasterCard, and American Express cards are eligible for registration. 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. 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. Clearing the cache on your iPhone is pretty straightforward. Your only rights with respect to the Sub-Deposit Account are to demand we repay you all amounts in your Account, including those transferred to the Sub-Deposit Account, and to terminate this Custodial Account Authorization Agreement, as set forth below. Earnin respects the intellectual property of others and asks that you do the same. FiscalNote and/or other similar programs, collects the following information from you and shares it with Earnin: This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative or third party. 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. 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. Failed or rejected debits may be reinitiated at any time up to 150 days after the first debit. hey, do you still need one? No Obligation to Repay. Evolve Bank & Trust. Balance Shield alerts can stay on indefinitely until you turn them off. C. information Earnin collect from third parties; and Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. We will have no legal or contractual claim or remedy against you based on your failure to repay, however, if we are unable to access funds from your bank account to complete a payment that you authorized Activehours to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Activehours. It is important to know the amount of available funds in your Sub-Deposit Account before instructing us to withdraw funds from your Sub-Deposit Account. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. 512(c)(3) for further detail): You may direct copyright infringement notifications to our DMCA Agent at: Earnin Compliance Team You irrevocably and unconditionally waive (and agree not to enforce) all rights in the Content, including without limitation any moral rights or equivalent rights which you may otherwise have under any laws now existing or which become law in the future in any part of the world. 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. Non-Personal Information (Aggregated and Anonymized Data) Summary of Information We Collect For example, we may use this non-Personal Information to generate aggregate user statistics, train artificial intelligence models, demographic information, and usage information. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Activehours, Inc. d/b/a Earnin Such other information and documentation that we may require from time to time. 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. 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. Please note that we use Empyr, Inc. as our service provider to help us operate our program. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. Boost for boost. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. Lightning Speed. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services. 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. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. Tip Yourself In accordance with our routine record keeping we may delete records that contain Personally Identifiable Information you have submitted through the Earnin Site and Services. Active Hours, Inc. d/b/a Earnin Your phone number, email address and other contact information must be kept current in your account profile. 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. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. 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. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. You can turn Balance Shield on or off, and/or edit your pre-selected voluntary payment amount at any time. 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. Any third parties you further agree to promptly update all your Profile information whenever the information in this Section your! At our sole discretion of CERTAIN WARRANTIES or the LIMITATION or EXCLUSION of WARRANTIES! 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