You agree that our third-party service providers and the operators and owners of the third-party websites will be entitled to rely on the foregoing authorization granted by you. Earnin uses Personally Identifiable Information we collect to provide the Services, help us verify your identity, set up your account, and provide you with customer service. Activehours may use and store the content for the purpose of providing the Service to you. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. Generally, Balance Shield Cash Out will need be turned on manually after each Balance Shield Cash Out, however, setting a voluntary tip ($1.50-$14.50) triggers Earnin to automatically keep Balance Shield Cash Out on even after a Balance Shield Cash Out. We reserve 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 is expected to deposit into your Bank Account. If you need help in changing your Profile information, please email us at support@earnin.com or live chat the Earnin team via the mobile app. 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. At Earnin, we care about the financial well-being of all our community members. 1. When you enroll in Balance Shield, you may select a voluntary additional amount to pay in appreciation of the services rendered each time Balance Shield is automatically activated. TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW, Activehours 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 NONINFRINGEMENT. There is a $250 cashback limit per transaction. Privacy Policy. Once you upload a medical bill, Activehours will first determine if the bill is eligible for the Medical Bill Review Service, and then if Activehours determines your bill is eligible for the service, Activehours will send you an update within 48 business hours with either a final report of any available options to lower your medical bill payments that it was able to learn, or requesting further action from you in order to learn what options are available. By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to Activehours through the Service, you are licensing that content to Activehours solely for the purpose of providing the Service. Does Earnin need your device location for the service to work? records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; No system, however, is perfectly secure and, therefore, we recommend that, when you register for our Site and use our services, you take reasonable steps to secure your personal information, including using use a unique password that you do not use on other Sites. (2)other sources of income that may include, but are not limited to, government-sponsored benefits, public or private retirement benefits,and other regularly-scheduled payments that you may receive. You will not receive any written confirmation of the establishment of the Sub-Deposit Account or transfer of funds to or from the Sub-Deposit Account; instead, we will maintain records clearly indicating the transfer and beneficial ownership of the Sub-Deposit Account. Health Aid The revised version will be effective at the time we post it, unless otherwise noted. For example, you may be notified after your friends are verified and cash out for the first time that either you or Earnin covered their tip. Review may result in: delayed, blocked or canceled fund transfers; Tip Yourself Account suspension or termination; funds used to offset loss incurred by Tip Yourself; and/or funds being seized to comply with a court order, warrant or other legal processes. If your use of the Site and/or the Services is prohibited by applicable law, then you are not authorized to use the Site and/or the Services. Identification Information: You may also be asked to provide identification information to confirm your identity, including your first and last name, zip code and phone number. disclosures or notices provided in connection with the Services, including any required by federal or state law (including initial disclosures, periodic statements, periodic and annual error resolution notices, initial and annual privacy notices, opt-out notices, and change-in-terms notices); 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 & Trusts privacy policy. 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. (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. Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. Provide information in order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. Generally, Balance Shield Cash Out will need be turned on manually after each Balance Shield Cash Out, however, setting a voluntary tip ($1.50-$14.50) triggers Earnin to automatically keep Balance Shield Cash Out on even after a Balance Shield Cash Out. These UGC Terms of Use is governed by the laws of the State of California, excluding its conflicts of law rules. By using the Earnin Express Service, 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 & Trusts Privacy Policy. You can update your information by clicking on the settings link after you login. If you have already enrolled a payment card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Earnin Cash Back Rewards and the other Empyr, Inc.-operated program. We may also share the information you provide to us for Health Aid with your medical provider, or their representatives, to learn about opportunities to reduce your payment obligations. We will review your Tip Yourself Account and transaction activity at various times, including when you initiate a transfer of funds into or out of your Tip Jar(s). Earnin may aggregate and modify Personally Identifiable Information in a manner that does not personally identify you or any other individual and therefore is no longer Personally Identifiable Information. In order to allow you to use certain Services, we may be required to verify your identity. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, IS AT YOUR SOLE RISK. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. Without limiting the foregoing, no Content on the Site or in the Services may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Earnin. Advocacy By entering your payment card information, you authorize Activehours to share your payment information with its third-party service providers (including Empyr, Inc.) and your Payment Card Network (Visa, Mastercard, American Express, etc.) There are no required fees to obtain a Cash Out, Max Boost, set alerts for a Balance Shield or set a manual Balance Shield Cash Out, use Health Aid, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. When you use certain Earnin Services, we need to collect additional information from you and third parties. Earnin may use this information to let you know about certain products, features, campaigns, or advocacy efforts we think you may be interested in. You may also email us if you wish to deactivate your account, but even after you deactivate your account, we may retain archived copies of information about you for a period of time that is consistent with applicable law. To ensure that the Earnin Site and Services work, we may need to share your Personally Identifiable Information with third parties and service providers, as well as other users. When you make a request for your Personal Information, we will include a list of the categories of Personal Information that we may have disclosed about you, as well as the categories of third parties to whom your Personal Information may have been disclosed. 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. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members. We may also decline to offer Balance Shield to you at any time, without prior notice, if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the Services. UNDER NO CIRCUMSTANCES WILL EARNIN OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD PARTY PARTNERS OR SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS OR PAYMENT PROCESSORS) (COLLECTIVELY, the EARNIN PARTIES) BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES YOU MAY INCUR IN CONNECTION WITH THE SITES, THE SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF, YOUR USE THEREOF, OR ANY OF THE USER SUBMISSIONS, INFORMATION, DATA, OR OTHER MATERIAL TRANSMITTED THROUGH OR RESIDING ON THE SITES, OR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING THEREFROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OR USE OF THE SERVICE, EVEN IF THE EARNIN PARTIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. We may decline to offer Balance Shield to you at any time if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. For example, we may use the account information you provide or that we collect from Third-Party Sites to confirm your accounts are valid and to access funds from your accounts in connection with fulfillment of the Services. B. 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. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. 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