Please visit the Privacy Policy to learn more about how your information is shared. Health Aid 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. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Despite our efforts, we cannot guarantee that Personally Identifiable Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. How can I request that Earnin delete my data? Tip Yourself You authorize us to make any inquiries we consider necessary to validate your identity. Does Earnin sell you Personally Identifiable Information? We may also use and share aggregated and other anonymous data with partners, service providers and third parties to help improve how Earnin delivers the Services. The policy may be updated from time to time at our discretion. Fees may apply to Lightning Speed in some instances. 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. 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 contactingsupport@earnin.comand stop using the Sites and Services. The Pay Period Max is what you can cash out within a given pay period. You will never be denied access to the Services on the basis of not tipping or the amount of any tip you choose to leave. For our compliance purposes and in order to provide services to you, you hereby authorize us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and bank account information. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13. Bank performs all account deposits and withdrawals. Balance Shield alerts can stay on indefinitely until you turn them off. Palo Alto, CA 94306 You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. 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). 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. To unenroll from Cash Back Rewards and unlink your cards, you must follow the steps below: For Earnin Express (Earnin Express Service), we may use the Personally Identifiable Information you provide to Earnin for additional purposes such as: Your use of certain features of the Earnin Express Services requires Earnin to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Earnin. These Third Parties may place their own cookies to collect information about your activities on our Website and/or the advertisements you have clicked on. Please review it occasionally. 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. If you provide us a debit card, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. Summary of Information We Collect 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. How can I request my data from Earnin? Legal Department (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. By using Medical Bill Review, you further authorize Activehours to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. 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. In addition, we will send you an in-app notification or email informing you of any material changes in the Terms of Service prior to posting those changes. Collection of Information 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. You hereby appoint Bank as your agent and custodian, subject to the terms set forth herein. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. Earnin may communicate with You about summaries of your Account Information, products and Earnin Services using email, SMS, text messages or push notifications (collectively Messages). Balance Shield alerts can stay on indefinitely until you turn them off. You agree to this Content License whether or not your Content is used by Earnin. 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. 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. Do we retain your data for as long as we need it unless you request deletion? Although there are two or more accounts associated with your funds (the account maintained with us, referred to as the Account, and the Sub-Deposit Account), your Account is considered a single account for your deposits and withdrawals, as well as for tax reporting, balance requirement, service charge, monthly statement and FDIC deposit insurance purposes. 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. We also use some of this Personally Identifiable Information to improve the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available. These third-party services are governed by the third partys privacy policy. Max Boost. In order to allow you to use certain Services, we may be required to verify your identity. Verified Source of Income- means either: (1) paychecks you receive from a Verified Employer. No Hate Speech or Bullying. 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. We may also send an email to you at the email address you have provided to us. 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. As part of this process, Earnin may ask you to provide Personally Identifiable Information you previously provided to Earnin. First Name and Last Initial of the Community Members asking for and granting a Max Boost. We like putting you in control. Max Boost allows you to request a Max boost from another Earnin member in the program (the Grantor) by providing you a unique link to send to the Grantor; and if the Grantor approves the request you will get a temporary $50 pay period Max increase which you can then Cash Out. 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. How can I request that Earnin delete my data? If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (DMCA) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. Just follow these steps. In general, you can visit the Website and download the Application without telling us who you are or sharing any Personal Information with us. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. Earnin Cash Back Rewards. This Policy was last updated on June 15, 2020. More information about how we use this third party information can be found in the Information from Third Parties Section. By your violation of these terms of Service use certain services, we may hold you liable to Earnin this! More information about how your information is shared advertisements you have provided us. 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