You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. 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. By using Tip Yourself Services, you authorize Earnin and Evolve Bank & Trust to access and transmit your personal and financial information from your Evolve Bank & Trust account to Earnin in accordance with Evolve Bank & Trust’s privacy policy. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, EARNIN EXPRESS, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. Balance Shield alerts can stay on indefinitely until you turn them off. Tap the Plus icon + to add an account. You may also have the opportunity to receive a temporary one-time Max Boost if you send the unique link to a non-Earnin member and they decide to sign-up for an Earnin account. Earnin may engage in behavioral advertising on third-party sites (e.g., retargeting, tracking), through information collected about the pages you visit the Website. This information allows the third parties we work with to gain online access to the accounts you maintain with a third party financial institution (“Bank Account”) and that you choose to designate for use in connection with Earnin Services. Without limiting the foregoing, Content submissions must not include third-party trademarks, logos, except those of Earnin; The Content is not, in Earnin’s reasonable discretion, libelous, defamatory, obscene, pornographic, abusive, indecent, threatening, harassing, hateful, or offensive or otherwise unlawful; and. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Balance Shield. You can update your Profile information by clicking on the settings link after you login. If you believe your Credentials are no longer secure or confidential, or that someone has used your Credentials without your permission, please contact us immediately by emailing support@earnin.com or live chat with the Earnin team via the mobile app. We are not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges), or any other third-party fees that result from your failure to maintain a balance or available credit in your Bank Account that is sufficient to fund all payments you initiate. For more information on FDIC insurance coverage, please visit www.FDIC.gov. 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. When you register for Tip Yourself and from time to time thereafter, we may require you to provide and/or confirm the information and documentation that will allow us to identify you, including Required Identifying Information. Sign in to your financial institution. Legal Department YOU HAVE READ THIS SECTION CAREFULLY AND UNDERSTAND THAT IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE BETWEEN YOU AND EARNIN. Your phone number, email address and other contact information must be kept current in your account profile. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. When you use Health Aid, we ask that you provide us with: If the medical bill is accepted by Health Aid for Medical Bill Review, we will use the information you provide to contact the medical provider and their representatives on your behalf to learn about opportunities to reduce your payment obligations. There are no fees to close your account with us. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin. Banking Day- means Monday through Friday, excluding federal banking holidays. The deposit account is provided by Evolve Bank & Trust and is subject to a deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. You, and not Earnin, are responsible for reviewing the terms of your Bank Account to understand your Bank’s overdraft policy and the manner in which your bank posts debits and credits. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information covered will be included in our response. An "Offer" is the cash back percentage or amount offered by the merchant, which may include, but not limited to, a minimum transaction amount, expiration date, any other additional terms or limitations associated. We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost, Balance Shield Cash Out, or Cash Out via Earnin Express 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. If a user’s bank account falls too low too soon after their pay day or if their bank account … The window ranges from $50 – $500 USD, but that data they gather from your bank account must be going somewhere, too. ARBITRATION NOTICE: UNLESS YOU OPT OUT OF ARBITRATION WITHIN THIRTY (30) DAYS OF THE DATE YOU FIRST AGREE TO THESE TERMS BY FOLLOWING THE OPT-OUT PROCEDURE SPECIFIED IN THE “DISPUTE RESOLUTION BY BINDING ARBITRATION” SECTION BELOW, AND EXCEPT FOR CERTAIN TYPES OF DISPUTES DESCRIBED IN THE “DISPUTE RESOLUTION BY BINDING ARBITRATION” SECTION BELOW, YOU AGREE THAT DISPUTES BETWEEN YOU AND EARNIN WILL BE RESOLVED BY BINDING INDIVIDUAL ARBITRATION AND YOU ARE WAIVING YOUR RIGHT TO A TRIAL BY JURY OR TO PARTICIPATE AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION OR REPRESENTATIVE PROCEEDING. How can I get a recent bank transaction sent to you? Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. All rights,title and interest in the Content is hereby reserved. We may also send you Messages (e.g., announcements, newsletters, promotional materials) about the Services, Earnin, or third-party products and services that we think might be of interest to you. You agree to comply with these Terms of Service.    Information from Third Parties 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. 200 Portage Ave. BY REPLYING #YESEARNIN, YOU ARE ENTERING INTO AN AGREEMENT WITH EARNIN AND AGREE TO BE BOUND BY THESE UGC TERMS OF USE, WITHOUT LIMITATION OR QUALIFICATION. These Terms of Use are personal to you and may not be assigned or transferred by you for any reason whatsoever without Earnin’s prior written consent; and any action or conduct in violation of the foregoing shall be void and without effect. 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. If you choose, you may add your contacts’ information into the App by connecting your contacts from your mobile device to the App. This app isn’t free but only at $1/mo. You will also be asked to verify your email address. Earnin’s use of the Content or your Name and/or Likeness does not imply any endorsement of or any affiliation with you. Opt out of Arbitration. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN THE SECTION ENTITLED "OPT OUT OF ARBITRATION" BELOW. When you use certain Earnin Services, we need to collect additional information from you and third parties. Earnin will not be liable for any delays, failure to deliver, or misdirected delivery of any alert; for any errors in the content of an alert; or for any actions taken or not taken by you or any third party in reliance on an alert. GOVERNING LAW NO CLASS ACTIONS We may use proprietary fraud and risk modeling when completing this review and assessing the risk associated with your Tip Yourself Account. You agree to keep confidential and to take all reasonable precautions and make all reasonable efforts to protect the secrecy of all Credentials issued to you, selected by you, or utilized by you. Go to the Banking menu. Opting out in this manner will not end transmission of Services related Messages. However, if we have been unable to recoup payment of a Cash Out from Earnin, you will be unable to use the Services and Site even if you reactivate your account and sign up again until we are able to recoup any unreimbursed Cash Outs. 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. Your use of the Site and the Services must comply with all applicable law. If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. By rejecting any change, you are agreeing that you will arbitrate any Dispute between you and Earnin in accordance with the provisions of this “Dispute Resolution by Binding Arbitration” section as of the date you first accepted these Terms of Service (or accepted any subsequent changes to these Terms of Service). The collection of this Personally Identifiable Information helps us deliver these additional services to you. Earnin will send you an annual reminder that Balance Shield is turned on. Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. YOU AGREE TO BE BOUND BY THE PAYMENT TERMS. NO ARBITRATION SHALL PROCEED ON A CLASS, REPRESENTATIVE, OR COLLECTIVE BASIS EVEN IF THE DISPUTE OR DISPUTES THAT ARE THE SUBJECT OF THE ARBITRATION HAD PREVIOUSLY BEEN ASSERTED (OR COULD HAVE BEEN ASSERTED) IN A COURT AS CLASS REPRESENTATIVE, OR COLLECTIVE ACTIONS IN A COURT. Each party shall bear the expense of its own attorneys' fees, except as otherwise provided by law. The revised version will be effective at the time we post it, unless otherwise noted. There are no fees or costs associated with Health Aid. Earnin may use your Personally Identifiable Information to facilitate transactions and activities that need to occur for the Services to take place, such as: Generally, we may use the Personally Identifiable Information we collect from you or that you provide to us: We do not sell your Personally Identifiable Information. We, or Evolve Bank & Trust will generally transfer the requested funds from your Tip Yourself Account to your Bank Account within two Banking Days of when we receive your request. request a Cash Out, Max Boost, or use Balance Shield Cash Out for any earned wages that you do not have the complete right, title and interest in or for which you have already received payment; use the Sites or Services in any manner that could damage, disable, overburden, or impair the Sites or Services; obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites or Services; access the Sites by any means other than through the interface that is provided by Earnin for use in accessing the Sites; use or attempt to use any engine, software, tool, agent, or other device or mechanism (including without limitation browsers, spiders, robots, avatars or intelligent agents) to navigate or search the Site or Services; or. In order to accomplish these business purposes described above, Earnin may disclose financial and/or Personally Identifiable Information to the following categories of third-party service providers: our bank partners, identity services, customer service vendors, communications platforms, risk investigation and mitigation tools, transaction dispute processing services, website and app usage trackers, data processors, modeling and analytics tools, and network infrastructure and data storage services. Except as provided in the preceding sentence, this “Dispute Resolution by Binding Arbitration” section will survive any termination of these Terms of Service. It is important to know the amount of available funds in your Tip Yourself Account before instructing us to transfer funds from your Tip Yourself Account to your Bank Account. Some businesses will cash check as well. There is a $250 cashback limit per transaction. Account Type ----- Account Type ID Account Type The data would be (0, Checking) and (1, Savings). If this specific paragraph is held unenforceable in its entirety, then the entirety of this “Dispute Resolution by Binding Arbitration” section will be deemed void. If you enable “Lightning Speed”, you may fund your Tip Yourself Account within the same Banking Day with your debit card. It can also be used to enrich your bank data by adding data such as the IBAN and the BIC Code. You may also be required to provide our Third Party Partners with certain login access credentials (e.g., username and password) or other account or financial information. D. information collected when you use specific Earnin services. Nothing in this “Dispute Resolution by Binding Arbitration” Section shall prohibit any party who is a proposed settlement class member in the proposed settlement agreement in Perks v. Activehours, Inc. d/b/a Earnin, Case No. 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. Earnin infers the person’s pay cycle and debits their account the amount they’ve borrowed on their payday. That was more than enough to … This Privacy Policy does not apply to the practices of the third-party services or applications, including third parties with which we partner and may make information available to. Find out how to get the most out of your TD Bank accounts with our personal banking services, plus info and tips on personal credit and home lending. Before using the Services, you should consider obtaining additional information and advice from a financial adviser. Subject to the AAA Rules, the arbitrator will have the discretion to direct a reasonable exchange of information by the parties, consistent with the expedited nature of the arbitration. We are not responsible if you use the Site and/or the Services in any manner that violates applicable law. 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. Does Earnin track your device location while you are not using the app? Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. We also use this information to communicate back to you regarding the outcome of any negotiation attempts. Fees may apply to Lightning Speed in some instances. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. by requesting a “Cash Out” prior to when that income is deposited into your Bank Account, by requesting a “Cash Out”. Or, you could consolidate all of your money into one person’s account and add the other as an authorized user. 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. We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account, and in the case of Earnin Express your Earnin Express Account on the day of your next regularly scheduled paycheck.      Advocacy    Federal Privacy Notice Can you update my account? That can … 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 NON‐INFRINGEMENT. You represent that you are permitted to receive text messages at the telephone number you have provided to us. Earnin accepts voluntary tips in appreciation for Services rendered. We do 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 this service. This section explains how Earnin shares your information. Information We Share Can I still cash out? Also, using payday advance apps requires automatic paycheck deposits. Now no need to remember multiple User IDs and Passwords for your various ICICI Bank relationships. For more information about voluntary tips please reference the specific service below. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. Earnin may ask you to complete questionnaires or participate in user research regarding the Earnin Site and Services, labor and employment issues in your state and generally, other topics to improve the Earnin Site and Services and to help create a more fair financial system. You are responsible for funding all payments you initiate. You must also have a valid email address, sufficient storage space to save Communications or the capability to print the Communications from the device on which you view them. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. You may not alter or modify or change Earnin’s Content in any way, use them in a manner that mischaracterizes Earnin or display the Content in a manner that implies Earnin’s sponsorship or endorsement. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and. You may designate an authorized agent to make a request on your behalf. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. 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. Identification of the Content that has been removed or to which access has been disabled and the location at which the Content appeared before it was removed or disabled; A statement that you have a good faith belief that the Content was removed or disabled as a result of mistake or a misidentification of the Content; and. You may only have one account with Earnin. I don't have a pay stub. I recently received a paper check instead of direct deposit. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. Legal Department Upon notice of termination, we or Evolve Bank & Trust will return any remaining balance in your Earnin Express Account to your Bank Account through an ACH transfer and you will no longer be able to use your Earnin Express Account or Earnin Express Service. The revised version will be effective at the time we post it, unless otherwise noted. Earnin is an app that offers a quick way to get an advance on your next paycheck, by withdrawing small amounts of your earned wages. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service. By continuing to use our Services after any changes to the Policies become effective, you agree to abide and be bound by those changes. 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. If a user has an erratic or irresponsible spending behavior, the app caps the amount that user can borrow from future paychecks. 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. The apps then analyze a user’s income history and bank account. You authorize all repayments of Cash Outs to occur directly from your Earnin Express Account on the day of your next regularly scheduled paycheck.      Max Boost 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. The words "we", "us", "our" and any other variation thereof refer to Earnin. After this, you will no longer receive text messages from us. These days, most lenders use the electronic Automated Clearing House (ACH) to disburse your loan and collect repayments. As used in these Terms of Service, the words “Community Member”, "you" and "your" refer to you, the user of Earnin’s website, device, and/or applications, as the party agreeing to these Terms of Service. By continuing to use our Services after any changes to the Policies become effective, you agree to abide and be bound by those changes. Earnin does not deny Services, provide different quality of Services, offer its products at a different price, limit your eligibility for products, or otherwise discriminate against you because you exercise any rights conferred by the CCPA. In the event that (i) you or we bring an IP Protection Action; (ii) you timely provide Earnin with an Arbitration Opt-out Notice; or (iii) this “Dispute Resolution by Binding Arbitration” section is found not to apply, the exclusive jurisdiction and venue of any Dispute will be the state and federal courts located in the Northern District of California and each of the parties hereto waives any objection to jurisdiction and venue in such courts. We store and process your Personaly Identifiable Information using data centers in the United States. Our failure to debit your Bank Account or Earnin Express Account for amounts due to Earnin within a set amount of time does not constitute a waiver of our right to charge your account for such funds. There are no fees or costs associated with Earnin Express. 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. Earnin, the applicable card network, and your issuer have no responsibility or liability for the failure of a statement credit to be posted, or for any finance or other charge, or impact on any rewards, feature, or term of your account resulting from the statement credit. For more information click here. If at any time the opinions expressed in your submission change, you must notify use immediately; The Content does not include any confidential or proprietary information of any kind, whether belonging to you or to a third party; The Content does not include mention or performance of any copyrighted media production including but not limited to books, articles, photographs, artwork, music, etc., or identifying descriptions of any media property; The Content must not contain material that violates or infringes any third party's intellectual property, privacy or publicity rights. Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. If our changes materially reduce your rights or increase your responsibilities, we will provide notice to you via in-app notification and/or email at least 10 days prior to implementing the changes to the Policies. Only put your money into a bank that has FDIC insurance. You may access the terms of Evolve’s custodial account deposit agreement at any time here. ActiveHours, Inc. d/b/a Earnin Why can't I use NAVcheck deposits for my payroll setup? Failed or rejected fund transfers to repay a Cash Out may be reinitiated at any time up to 150 days from either your Earnin Express Account or your Bank Account. 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. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. 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. Please read this notice carefully to understand what we do. They can be financial and nonfinancial companies. The arbitrator will be either a retired judge or an attorney licensed to practice law and will be selected by the parties from the AAA’s roster of arbitrators. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin. Please note that we use Empyr, Inc. as our service provider to help us operate our program. Does Earnin use your phone contact list if you allow us access? We do not intend to collect information from children under 13 years of age. We will initiate debits to your Bank Account and Earnin Express Account or debit card as permitted by applicable laws and NACHA rules. THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES. The principles of debit and credit for a personal account being Debit the benefit receiver Bank a/c is debited whenever there is a transaction that results in the bank balance increasing like depositing cash, cheques issued by customers etc. You must confirm with Earnin you’ve provided the authorized agent permission to submit the request. Paycheck deposits to any marketing-related text message you receive from Earnin information in this Section CAREFULLY and understand the. We may also contact us if you can take appropriate protective steps Earnin Site and the Services are sponsored... It unless you request an account deletion it limits your rights in the AAA rules $ 1,000 for payday advances! 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