We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin or third-party goods or services. The existence of the Sub-Deposit Account and any other account maintained by us pursuant to these Account Terms is for internal purposes and will not change the manner in which you use, obtain information about or earn interest (if any) on your Account. We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you. 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. Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. I am reliable and have a steady job but I could use the extra cash for small car problems. Information We Collect Automatically To maintain, protect, improve and provide our Services, including for the development of new Services; To notify you about changes to the Earnin Site and Services; To keep records of your communications with our Customer Support team; To enforce and apply our Terms of Service, ACH agreement and any other agreements between you and Earnin; To share information with you about events you may be interested in; To offer Earnin Services relevant to your location; For Earnins marketing purposes, such as to offer our products and services to you, such as advertisements, by us, through third parties; To offer you tailored content by giving you more relevant search results and ads; To conduct and report on certain analytics, benchmarking, and performance tracking through the use of anonymous, aggregated information comprised of the categories above; and/or. Max Boost Before using the Services, you should consider obtaining additional information and advice from a financial adviser. 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. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. Only funds from your Bank Account may be transferred to your Tip Yourself Account. 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. At Earnin, we care about the financial well-being of all our community members. THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. Specific Rights We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Activehours or third-party goods or services. 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. For more information on FDIC insurance coverage, please visit www.FDIC.gov. For more information, please see our This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. You authorize us to make any inquiries we consider necessary to validate your identity. Service Specific Collection of Information: The Earnin Site may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices. 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. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program. 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). To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights. You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: Most of these features, when turned on, send a signal or preference (DNT Signal) to the websites you visit indicating that you do not wish to be tracked. 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. 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. Reddit and its partners use cookies and similar technologies to provide you with a better experience. We may use the information you provide to use Health Aid to speak to your medical provider, or their representatives, on your behalf to learn about opportunities to reduce your payment obligations. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. Health Aid You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. Do we send you push notifications with the option to opt out? Palo Alto, California USA 94306. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. 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. or punitive damages you may incur in connection with the sites, the services, including cash outs, lightning speed, max boost, balance shield, earnin expressand tip yourself, your use thereof, or any of the user submissions, information, data, or other . This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. How to clear your iPhone cache in Firefox. Summary of Information We Collect link/ZPxZyNSp3mb. and Evolve Bank & Trust, an Arkansas-chartered depository institution. Information You Provide Technical and Navigational Information: We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount. Palo Alto, CA 94306. Cookies are small data files that are stored on your hard drive or in device memory by a website. MISCELLANEOUS. Why is Earnin available in the U.S only? These inquiries may include asking you for further information, requiring you to provide a taxpayer identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. You should print a paper copy of these Terms of Service and any Communication that is important to you and retain the copy for your records. You also acknowledge and understand that, with respect to any dispute with Activehours, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: You agree that if Activehours does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Activehours has the benefit of under any applicable law), this will not be taken to be a formal waiver of Activehours's rights and that those rights or remedies will still be available to Activehours. Terms not defined herein have the same meanings as set forth in the Account Agreement. Activehours 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. 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. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction but may be subject to delays. 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. 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