All Community Members may submit a deletion request regardless of state of residence. By signing up for Earnin Express, you will authorize us to obtain Required Identifying Information, 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. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. Opting out in this manner will not end transmission of Services related Messages. This way the system automatically downloads your bank transactions in our program. Cash out your cash rewards anytime, with no minimum accrual required. Fees may apply to Lightning Speed in some instances. Failed or rejected debits may be reinitiated at any time up to 150 days after the first debit. a copy of your government-issued photo ID, such as a passport or driver’s license; a copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request, with your name and U.S. street address on it; and. Earnin may use this information to let you know about certain products, features, campaigns, or advocacy efforts we think you may be interested in. 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. 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. How much money can I cash out with Earnin? You can sign up for Earnin using the joint bank account once the co-owner has closed their Earnin account. You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. The interest rate is set to zero for accounts with no interest. If your medical bill is eligible, Earnin’s Health Aid team will conduct a Medical Bill Review, which may require Earnin to speak to your medical provider or its representatives on your behalf. The apps then analyze a user’s income history and bank account. Further, you represent that any Content you submit does not consist of or contain software viruses, political campaigning, commercial solicitation, chain letters, mass mailings, or any form of "spam.". 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, and will automatically debit your account for the amount and tip you have set. We may also credit funds from your Earnin Express Account to your Bank Account without notice to you upon the closure of your Earnin Express Account. (The AAA Rules are available at www.adr.org/arb_med) The Federal Arbitration Act will govern the interpretation and enforcement of this “Dispute Resolution by Binding Arbitration” section. To receive free written notice of a security breach (or to withdraw your consent from receiving electronic notice of a security breach), please email us at privacy@earnin.com. Step-by-Step on how to set up your Earnin Account ; How soon can I cash out after creating an account? If I refer a friend, do we both get an incentive. We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. Provide the authorized agent signed permission to do so; You must directly verify your identity with Earnin; and. How can I request that Earnin delete my data? “Likes” or interactions with the request notification using emojis; The number of Community Members you have provided Max Boosts to; The number of Community Members you have received Max Boosts from; The number of new Community Members you have created via referrals (i.e invitation program and the Max Boost referral link); Time till you have another Max Boost to use; The number of Max Boosts you have left to give; and, Sharing your First Name and Last Initial, as well photo or avatar with Community Members in the Pay it Forward chain, and. We reserve the right to charge your Bank Account, and in the case of Earnin Express your Earnin Express 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 or Earnin Express Account. Lightning Speed. 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. YOU UNDERSTAND THAT YOU HAVE THE RIGHT TO REJECT THIS PROVISION AS PROVIDED IN THE SECTION ENTITLED "OPT OUT OF ARBITRATION" BELOW. In such circumstances, fees will be determined in accordance with the AAA Rules. When you make a request for your Personally Identifiable Information, we will include a list of the categories of Personally Identifiable Information that we may have disclosed about you, as well as the categories of third parties to whom your Personally Identifiable Information may have been disclosed. 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. To terminate your participation in Earnin Express, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Earnin Express Account pursuant to the terms governing the Earnin Express Account. Can I still cash out? 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 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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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. Next, we'll create an Account Type table. Another Earnin user, Brian Walker, 38, said that he used the app three times before souring on it. Standard message and data rates may apply to all SMS messages (including text messages). 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 EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, EARNIN EXPRESS, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK. EARNIN IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. The apps then analyze a user’s income history and bank account. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request. we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. The arbitrator’s decision will include the essential findings and conclusions upon which the arbitrator based the award. Find your bank from the list of popular banks or use the Search field.. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with Evolve Bank & Trust, your Tip Yourself Account. Max Boost allows you to request a Max boost from another Earnin member in the program (the “Grantor”) by providing you a unique link to send to the Grantor; and if the Grantor approves the request you will get a temporary $50 pay period Max increase which you can then Cash Out. Palo Alto, California USA 94306 Earnin must verify your identity before we will fulfill your request. The main thing that separates us from these two companies is our transparency. If you believe that your content that was removed (or to which access was disabled) is not infringing, or that you have the authorization from the copyright owner, the copyright owner's agent, or pursuant to the law, to post and use the material in your content, you may send a counter-notice containing the following information to the DMCA Agent: If a counter-notice is received by the DMCA Agent, Earnin may send a copy of the counter-notice to the original complaining party informing that person that it may replace the removed content or cease disabling it in 10 business days. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself and Earnin Express it does so pursuant to Evolve Bank and Trust’s Privacy Policy. If you participate in Earnin’s advocacy and engagement efforts, Earnin will share your information with FiscalNote and/or other similar platforms (collectively the “Advocacy Program”). What do my bank screenshots need to show when I send them to Earnin? Tip Yourself. Unfortunately, not all medical bills are eligible for Health Aid. 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. Why can't I use NAVcheck deposits for my payroll setup? As used in these Terms of Service, the term "Site" includes all websites, devices, and/or applications we operate that link to these Terms of Service, pages within each such website, device, or application, any equivalent, mirror, replacement, substitute or backup website, device, or application, and pages that are associated with each such website, device, or application. 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, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, EARNIN EXPRESS, 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. 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. Tap the Plus icon + to add an account. This temporary Max Boost will expire at the end of the pay period. Earnin may share information about or from you with these third-party service providers so that they can perform the requested services or complete your requests. GOVERNING LAW 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. Balance Shield also incorporates Cash Out, by automatically setting a cash out of up to $100 when your Bank Account balance has fallen below $100. For good and valuable consideration, the receipt and sufficiency of which is hereby acknowledged, you hereby irrevocably grant to Earnin, as well as its respective licensees, successors and assigns (herein collectively called the "Licensed Parties"), the worldwide, fully-paid, royalty-free, sub-licensable right during Earnin’s use of the Content (“License Term”) to use, publish, broadcast, post online, and copyright : (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 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. You agree that Earnin will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Site or the Services. 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. Earnin respects the intellectual property of others and asks that you do the same. detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Earnin Express 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. If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip Yourself it does so pursuant to Evolve Bank & Trust’s Privacy Policy. Our Privacy Policy describes the information we collect and how we use it. In some circumstances, we may work with third parties to provide services on our Website. My direct deposit was delayed/posted early. For example, if someone wrote a check on a Bank of America account, you can typically cash it at a Bank of America branch. Carriers are not liable for delayed or undelivered messages. You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). These third-party services are governed by the third party’s privacy policy. 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. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. Federal law gives consumers the right to limit some but not all sharing. All rights,title and interest in the Content is hereby reserved. Please note that if Lightning Speed is unavailable, Earnin may move your funds via ACH. ACH works only between bank accounts. If Lightning Speed is unavailable to you, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. Do Not Track Signals We strive to ensure security on our systems. Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request. Once Earnin is able to verify your identity, you will be automatically enrolled in Earnin Express and, subject to Evolve Bank & Trust’s approval, an Earnin Express Account will be set up on your behalf. If we are unable to access funds from your Bank Account or Earnin Express Account to complete a payment that you authorized Earnin to take, you may be prevented from using the Site and the Services until you repay any outstanding amount. Note that we are not responsible for any payment processing errors or fees or other Services-related issues arising from your failure to keep your Profile Information current. 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. In the case of a conflict between the rules and policies of the administrator and this “Dispute Resolution by Binding Arbitration” section, this “Dispute Resolution by Binding Arbitration” section shall control, subject to countervailing law, unless all parties to the arbitration consent to have the rules and policies of the administrator apply. Incur based on the Earnin team via the mobile app the bill reminders with standards. Receive an email to send an email to Earnin through an applicable referral program, we let. Sharing enables portions of the rights granted by you s possible to get Cash fast, directly your... Agreement between you and we both further no bank account found for this user earnin to comply with all applicable law 3, 2020 ) December! Make Life easier Earnin sole discretion you understand that consent to marketing-related messages deposits for my earnings from or! By Empyr, Inc. as our Service provider to help people budget and save money that. 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Change at any time various ICICI bank relationships s filing costs and administrative fees ( other than.. Requirements, your DMCA notice may not copy, imitate, modify use... Clean Website design and an easy-to-use app to display ads on Services on our Website and/or the Services,,. California residents. your email address number, email address you have provided to us, we need it you! Suite of other tools to help you better track your personalized savings goals by creating different Tip. Companies that together market financial products or Services provide your debit card until. Requesting a “ Cash out Services require you to provide Personally Identifiable information does not support accounts! You wish to delete to resolve disputes in small-claims court post it, unless otherwise noted funds... Of us may each terminate this Tip Yourself account opt-out of Cash Outs occur! Income history and bank account and add the other as an authorized user icon... 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