Vote. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. How We Use The Information We Collect In order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant. Please update all your Profile Information whenever the information provided to us is no longer accurate. We have the right to adjust your maxes at any time. These factors may be changed at any time, at our sole discretion. The collection of this Personal Information helps us deliver these additional services to you. Just follow these steps. By submitting this content to Activehours, you represent that you are entitled to submit it to Activehours for use for this purpose, without any obligation by Activehours to pay any fees or other limitations. We may use your information to improve and personalize the Services. Counter-Notice. Your payment card may only be enrolled in one program operated by Empyr, Inc. By using the Site and the Services and providing Profile Information to us, you authorize us to obtain, directly or indirectly through our third-party service providers, information about you and your Bank Account from the financial institution holding your Bank Account and other third-party websites and databases that may be necessary to provide the services. By submitting documents, including documents containing medical and insurance information, for Medical Bill Review, you agree that you are disclosing the documents to Activehours and expressly authorize Activehours to review the contents of each document. 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. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. You may not receive a credit if it is not posted by your card issuer. Palo Alto, California USA 94306. 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. Activehours, 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. 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. 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. You may only designate one deposit account at your depository financial institution (your Checking Account) to transfer funds to your Sub-Deposit Account, as described in the Tip Yourself Terms of Service. We do not sell your Personal Information. Balance Shield. 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. This policy explains how Activehours treats your personal information when you use the Service. In lieu of charging interest and other fees, the app works on a voluntary tip system. We like putting you in control. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. How can I request my data from Earnin? Throughout this policy, Earnin uses the term Personal Information to mean information that can be associated with you and/or identify you. 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. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, Activehours'S LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO US $500.00 (FIVE HUNDRED UNITED STATES DOLLARS). Reddit and its partners use cookies and similar technologies to provide you with a better experience. You will also be asked to verify your email address. Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. Max Boost 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. 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. For example, this Personal Information may be disclosed to enable you to select the contacts with whom you would like to send a Max Boost, show your information about Community Members in a Pay It Forward chain, to connect with another user who referred you to the Services, or to connect with an individual whom you would like to refer to the Services. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy. If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contactsupport@earnin.com. 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. 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. Activehours uses Plaid Technologies, Inc. (Plaid) to gather End Users data from financial institutions. 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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. You agree that by submitting documents, including documents containing medical and insurance information, for Medical Bill Review, you are disclosing the documents to us and expressly authorize us to review the contents of each document. YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and Spotloans are designed to help you deal with emergencies such as rent, medical bills, car repairs, and expenses related to your job. We may also allow users to subscribe to Messages and from time to time may transmit Messages promoting Earnin and advocacy efforts with third parties or third-party goods or services. The actions we may take include the following: Earnin, in its sole discretion, reserves the right to terminate these Terms of Service, access to its Sites, or access to the Services for any reason and at any time with or without notice to you. . The Pay Period Max is what you can cash out within a given pay period. 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. You do not meet one of the Boost feature qualifications. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS WILL NOT BE LIABLE IN ANY WAY TO YOU OR TO ANY THIRD PARTY, FOR ANY ERROR OR DELAY IN THE SITES OR THE SERVICES, AND ANY LOSS OR DAMAGE ARISING FROM (A) ANY SUCH ERROR OR DELAY (B) NON-PERFORMANCE OR (C) INTERRUPTION IN THE SITES OF SERVICES DUE EITHER TO ANY NEGLIGENT ACT OR OMISSION BY EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS, OR "FORCE MAJEURE" OR ANY OTHER CAUSE BEYOND THE CONTROL OF EARNIN. Note that this is open to all Community Members. Required Identifying Information depending on the Service, we may require certain information to validate who you are, including but not limited to: Verified Employer- (1) that has a fixed work location in which you work out of and has an online/electronic timekeeping system, or is verified by any other means that we may permit; (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.) to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications; create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and. For example, we may use this non-Personally Identifiable Information to generate aggregate user statistics, create infographics and other data graphs, to train artificial intelligence models, for demographic information, or for usage information. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. 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. If you register a debit card, your transaction must be processed as a credit (i.e., signature) transaction to make sure the transaction can be monitored. We like putting you in control. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. You may close your account and terminate your relationship with us without termination fees. 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