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. 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. You may only have one account with Earnin. The use of the word "including" in these Terms of Service to refer to specific examples will be construed to mean "including, without limitation" or "including but not limited to" and will not be construed to mean that the examples given are an exclusive list of the topics covered. This policy explains how Activehours treats your personal information when you use the Service. We strive to ensure security on our systems. 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. 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. Bank performs all account deposits and withdrawals. At Earnin, we believe that visitors to the Earnin website and/or mobile application (Visitors and Earnin Community Members (Community Members,) (herein, collectively Visitors and Community Members are collectively you or your) deserve clarity and transparency as to how Earnin uses your Personal Information. Terms not defined herein have the same meanings as set forth in the Account Agreement. I can't wait to see my max boost increase with time! Activehours reserves 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 are expected to deposit into your account; however, Activehours will attempt to avoid charging your bank account if we believe your bank account does not contain sufficient funds to cover repayment of a Pay Out or payout for Balance Shield in the pay period. 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 Collection of Information Some of your Personal Information (including your Earnin profile photo, Earnin profile first and last name) will be publicly displayed through the Services and may be seen by anyone with an Earnin account. a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. Can anyone in the Earnin Community help me boost my Max? 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. We like putting you in control. 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. 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. By using Medical Bill Review, you also agree to waive any rights you may have to prevent us from disclosing the content of the documents to your medical provider, or their representatives, on your behalf for the purpose of learning about available payment options to lower your medical bill payments. 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. Only funds from your Bank Account may be transferred to your Tip Yourself Account. 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. In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (Profile Information). These Terms of Service represents the entire understanding and agreement between you and Activehours regarding the subject matter of the same, and supersedes all other previous agreements. a copy of your government-issued photo ID, such as a passport or drivers license; a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. There is a $250 cashback limit per transaction. 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. Please update all your Profile Information whenever the information provided to us is no longer accurate. Information We Share Changes will be effective upon posting to the site. 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. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of: You hereby consent to such release of information. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Does Earnin track your browsing activities on other sites? Do Not Track Signals More information about how we use this third party information can be found in the Information from Third Parties Section. In lieu of charging interest and other fees, the app works on a voluntary tip system. Do we give you advance notice when we make important changes to our Privacy Policy? Such other information and documentation that we may require from time to time. Can I use VPN to access the Earnin app? Do we share your data with third party partners? GENERAL INFORMATION 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. https://earnin.app.link/9aj0OKM9zub To ensure that the Earnin Site and Services work, we may need to share your Personal Information with third parties and service provides, as well as other users. Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personal Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law. Information from Third Parties 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 Employer, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. The policy may be updated from time to time at our discretion. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13. A Max Boost request is a feature that allows our community members to help each other by vouching for them so that they can cash out a little bit of their paycheck. You may opt-out of Cash Back Rewards at any time by unlink your cards. Does Earnin delete your data when you request an account deletion. 200 Portage Ave Earnin respects the intellectual property of others and asks that you do the same. 260 Sheridan Ave, Suite 300, We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out you take, however, if we are unable to access funds from your bank account to complete a payment that you authorized Earnin to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Earnin. 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. You may access the terms of such agreement at any time here. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. 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