If your claim exceeds $10,000, your right to a hearing will be determined by the AAA Rules. For example, this Personally Identifiable 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. Can I activate my payroll if I have paid vacation leave? Notwithstanding anything to the contrary in the Privacy Policy, Earnin and its third-party provider Empyr, will use Cash Back Reward transaction data solely: By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data as described above and herein by and among Earnin and Earnin’s third party service provider, applicable Payment Card Networks and applicable merchants. You also agree to comply with the following additional policies: We may revise these Terms of Service and any of the policies listed above (together, the “Policies”) from time to time. It’s an easy way to get all the benefits of a debit card without worrying about bank fees, overdrafts or hidden costs. EARNIN RESERVES THE RIGHT TO MODIFY THESE UGC TERMS OF USE BY POSTING NEW VERSIONS THEREOF, AS WELL AS THE RIGHT TO PROVIDE ADDITIONAL NOTICES OF MATERIAL CHANGES, WHICH MODIFICATIONS AND CHANGE BE EFFECTIVE IMMEDIATELY. Sharing Between Earnin Community Members and Referrals to New Community Members. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. These terms of service ("Terms of Service") constitute a legal agreement between you, and ActiveHours, Inc., d/b/a Earnin (“Earnin”) governing your use of the Site and the Services. You are not required to pay any fees or charges to use any of the Earnin Services. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU. Within the Tip Yourself Service you can track your savings towards your specific savings goals by creating different “tip jars". Unless consented to in writing by all parties to the arbitration, no party to the arbitration may join, consolidate, or otherwise bring claims for or on behalf of two or more individuals or unrelated corporate entities in the same arbitration unless those persons are parties to a single transaction. 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 Express, enroll in Earnin Cash Back Rewards and/or enroll Tip Yourself. 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. Earnin Express. Earnin’s first-ever $10,000 Tip Yourself Sweepstakes launched on October 26. The revised version will be effective at the time we post it, unless otherwise noted. You understand that consent to marketing-related messages is not a condition of using the Services. You can update your Profile information by clicking on the settings link after you login. Earnin 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. We do not intend to collect information from children under 13 years of age. ACH works only between bank accounts. 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. 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. The arbitrator may award declaratory or injunctive relief only in favor of the claimant and only to the extent necessary to provide relief warranted by the claimant’s individual claim. 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. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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 Source of Income, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. Your name, address, telephone number, and e-mail address, a statement that you consent to the jurisdiction of the federal court in San Francisco, California, and a statement that you will accept service of process from the person who provided notification of the alleged infringement. If you choose to enable Balance Shield Cash Out to activate automatically, Balance Shield Cash Out will stay on indefinitely until you turn it off. Because Earnin Express requires Lightning Speed, funds from your Earnin Express Account that are to be credited to your Bank Account, will arrive within the same Banking Day. Good for: A first bank account for kids or teens or an account for adults looking for a place to earn interest on savings or park cash they would otherwise be tempted to spend; Drawbacks: Savings accounts often yield a lower interest rate than money market accounts and CDs. In some circumstances, we may work with third parties to provide services on our Website. We will initiate debits to your Bank Account and Earnin Express Account or debit card as permitted by applicable laws and NACHA rules. If we have not verified the Required Identifying Information that you have provided to us, you have not provided all the Required Identifying Information, or you have not completed the account registration process, you may be unable to use Earnin’s Services and Site. If any portion of these Terms of Service is deemed unlawful, void or unenforceable by any arbitrator or court of competent jurisdiction, these Terms of Service as a whole will not be deemed unlawful, void or unenforceable, but only that portion of these Terms of Service that is unlawful, void or unenforceable will be stricken from these Terms of Service. Another Earnin user, Brian Walker, 38, said that he used the app three times before souring on it. If your bank is not listed, then Earnin unfortunately is unable to support it as of today and you will not be able to use the Site or Services. 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. Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). As part of this process, Earnin may ask you to provide Personally Identifiable Information you previously provided to Earnin. Thus, when Earnin seeks to debit your Bank Account for the authorized amounts owed to Earnin, the manner in which your bank processes credits and debits associated with various transactions may result in overdrafts and/or generate insufficient funds fees or other bank fees even where you believe that you have sufficient funds in your Bank Account. Community Member Contact Information such as phone number or email address. We appreciate the tip if you can and however much you feel is fair- anywhere from $0-$14. To the extent you use a Service for banking or other financial services, the Service is intended only to assist you in your financial organization and decision-making and is broad in scope. What is Lightning Speed and how can I get it?      Health Aid This temporary Max Boost will expire at the end of the pay period.      Advocacy NO CLASS ACTIONS Please read this notice carefully to understand what we do. When you register for an account and become a Community Member (a registered user of Earnin), use the Services and/or communicate with Earnin, we may ask you to provide certain Personally Identifiable Information to us, to identify you, such as: In order to use the Services, Community Members may be required to provide us with Bank Account information. We will initiate debits to your Bank Account and Earnin Express Account or debit card as permitted by applicable laws and NACHA rules. Earnin does not currently respond to DNT Signals. In such circumstances, fees will be determined in accordance with the AAA Rules. How long does it take to receive the cash I request with Lightning Speed? 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. 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 contacting support@earnin.com or using live chat with the Earnin team via the mobile app, and stop using the Sites and Services. Despite our efforts, we cannot guarantee that Personally Identifiable Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. A statement that the information in the notification is accurate, and under penalty of perjury, that you are authorized to act on behalf of the owner of an exclusive right that is allegedly infringed. Financial companies choose how they share your personal information. Your Earnin Express Pay Period Max will be the lesser of $1,000, or up to 80% of the amount of funds you direct from your paycheck to your Earnin Express Account. 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. 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. How can I request that Earnin delete my data? You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. Do not use a Personal Identification Number (PIN) when paying for your purchases with your enrolled card if you want the transaction to be eligible for rewards or offer completion. Max Boost. you have the full right, power and authority to grant the rights described in these UGC Terms of Use; The Content was created by you or you own or control all rights in such Content, such that you have all necessary licenses, rights, consents and permissions to publish the Content and to grant the rights granted herein, including permission from all person(s) (including property and/or art of third parties) appearing in your Content; The exercise by Earnin of its rights under these UGC Terms of Use will not violate the rights of any third party or any applicable laws, rules or regulations, including, without limitation, consumer protection, privacy, copyright, trademark and trade laws; The Content does not contain any worms, viruses or other code deemed harmful to Earnin and Earnin’s users; Your statements are true and verifiable and reflect your actual experiences and beliefs. What is the calendar in the app and the bill reminders? This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Standard message and data rates may apply to both non-marketing and marketing-related messages. It says my bank security questions are incorrect but I entered them correctly. The term "Services" refer to Earnin's products, services, and features available to you through one or more Sites. Can I still cash out? If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. Earnin charges no fees or interest; instead, it … These Terms of Service and any action related thereto will be governed by the laws of the State of California without regard to its conflict of laws provisions and the Federal Arbitration Act. Without limiting anything set out above, you hereby release each of the Indemnified Parties from all damages, liability, claims, actions, demands and costs of every kind and nature, known and unknown, suspected and unsuspected, disclosed and undisclosed, arising out of or in any way connected with these UGC Terms of Use. Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. from continuing to participate in that settlement agreement. For example, Ally Bank, CIT Bank and Synchrony Bank all currently offer their online high-yield savings accounts paying rates of 2% or more. 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