Prior Terms and Privacy

TERMS OF SERVICE

(Last Updated April 6, 2020)

Welcome to Earnin! 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. 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. The words "we", "us", "our" and any other variation thereof refer to Earnin. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. 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. 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.

ACCEPTANCE OF TERMS

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE SITE OR THE SERVICES YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. You may not use the Site or Services, or accept these Terms of Service, if

1. you are not of legal age to form a binding contract with Earnin;
2. you are prohibited by law from receiving or using the Services; or
3. you are not a U.S. resident.

You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. You also agree to comply with the following additional policies:

• Privacy Policy
• Consent to Receive Electronic Disclosures (E-Sign Disclosure and Consent)
• Acceptable Use Policy
• Digital Millennium Copyright Act
• User Generated Content

We may revise these Terms of Service and any of the policies listed above (together, the “Policies”) from time to time. The revised version will be effective at the time we post it, unless otherwise noted. 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. By continuing to use our Services after any changes to the Policies become effective, you agree to abide and be bound by those changes. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin.

SIGNING UP WITH EARNIN

You may only have one account with Earnin. 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.

An Earnin account will let you:

• Obtain a Cash Out
• Turn on Balance Shield
• Use Health Aid
• Get Cash Back Rewards
• Use Tip Yourself
• View your Financial Calendar

You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. Your phone number, email address and other contact information must be kept current in your account profile. If you believe that either your credentials or a device that you use to access the Site and/or our Services has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at support@earnin.com or live chat the Earnin team via the mobile app.

You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). Please update all your Profile Information whenever the information provided to us is no longer accurate. You can update your Profile information by clicking on the settings link after you login. 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. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. 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.

TERMINATING YOUR EARNIN ACCOUNT

You may close your account and terminate your relationship with us without termination fees. 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.

EARNIN SERVICES

Once we have verified the Required Identifying Information that you provide to us, you will be able to begin using Earnin’s Services and Site. 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.

NO REQUIRED FEES OR CHARGES

You are not required to pay any fees or charges to use any of the Earnin Services. 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. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. Please note that while tips are non-refundable, if you need help in changing your tip amount, please live chat the Earnin team via the mobile app. 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. 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. For more information about voluntary tips please reference the specific service below.

We believe that the world is a better place when we all help each other out. You can support our Services by tipping what you think is fair and/or by “paying it forward” to others within the Earnin community by paying a tip on behalf of another user. With all of Earnin’s Services and the Site, you choose whether to pay, what to pay, and how often you pay.

Cash Out. Allows you to access some or all of various forms of income (such as your earned wages, government benefit checks, etc.) by requesting a “Cash Out” prior to when that income is deposited into your Bank Account, by requesting a “Cash Out”. 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. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. We have the right to adjust your maxes at any time. 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. These factors may be changed at any time, at our sole discretion. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. Generally you will receive your Cash Out within the next 2-3 Banking Days after you have submitted your request.

Max Boost. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. 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. This temporary Max Boost will expire at the end of the pay period. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. We may cancel an approved Max Boost if you are no longer at your pay period Max, or if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the 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.

There are no fees or costs associated with Cash Out or Max Boost. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. We appreciate the tip if you can and however much you feel is fair- anywhere from $0-$14 for Cash Out and Max Boost. We like putting you in control.

Lightning Speed. If you’d like to receive your Cash Out from Earnin into your Bank Account more quickly, you might consider using Lightning Speed. Depending on your bank, by providing us your debit card information or banking routing number and Bank Account information, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes. Fees may apply to Lightning Speed in some instances.

Balance Shield. Allows you to set an alert to have Earnin send you a notification when your Bank Account falls below an amount that you set ($0-$400) to help you monitor your bank account balance. 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. Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. You are responsible for monitoring your Daily Max and Pay Period Max to ensure that the Cash Out application of Balance Shield is available to you. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. 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.

Balance Shield alerts can stay on indefinitely until you turn them off. There is no fee or charge to use Balance Shield alerts. 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. 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. Earnin will send you an annual reminder that Balance Shield is turned on.

NO OBLIGATION TO REPAY

We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out 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. 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.

Health Aid. If you have created an Earnin account, Health Aid allows you to submit your eligible medical bills to Earnin’s Health Aid team to learn about lower payment options for you with your medical providers. Unfortunately, not all medical bills are eligible for Health Aid. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. 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. We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or a request for further action from you, so that Earnin can better gauge what options may be available. Health Aid is for informational purposes only and does not guarantee any results. 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.

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. By using Medical Bill Review, you further authorize us to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. 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.

There are no fees or costs associated with Health Aid. Earnin accepts voluntary tips in appreciation for Services rendered. You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-1$100, but are under no obligation to do so. We like putting you in control.

Cash Back Rewards. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. 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. 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. There is a $250 cashback limit per transaction.

You may opt-out of Cash Back Rewards at any time by unlink your cards. Within the app, go to Cash Back Rewards, click on “unenroll” and confirm you want to unenroll the card. You must repeat this process for every card you wish to delete.

Not all Visa, MasterCard, and American Express cards are eligible for registration. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible.

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. 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.

Please note that we use Empyr, Inc. as our service provider to help us operate our program. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. If you have already enrolled the debit or credit card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Cash Back Rewards and the other Empyr, Inc. operated program. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program.

Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the merchant at the time of purchase and will instead be reflected as part of the aggregate amount received from Earnin. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction but may be subject to delays.

Cash Back Rewards credits cannot be processed if your debit or credit card number expires or changes while the credit is pending and not settled, or your debit or credit card account is not open or in good standing. You may not receive a credit if it is not posted by your card issuer. 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.

In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Earnin.

Earnin may choose to share a portion of its Empyr publisher fee with Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice.

Tip Yourself

This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. You may access the terms of such agreement at any time here.

By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with us, your Tip Yourself Account. The Tip Yourself Service allows you to better track and meet your savings goals by allowing you to authorize one-time and/or recurring transfers from your Bank Account to your Tip Yourself Account. Within your Tip Yourself Account you can track your savings towards your specific savings goals by creating different “tip jars” within your Tip Yourself Account. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. You may obtain information about the balance of funds in your Tip Yourself Account at any time in the app.

Only funds from your Bank Account may be transferred to your Tip Yourself Account. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. If you enable “Lightning Speed”, you may fund your Tip Yourself Account in minutes with your debit card. The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. You may not use the funds in your Tip Yourself Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Bank Account. Funds held in your Tip Yourself Account will remain in your Tip Yourself Account until you instruct us to transfer any or all of your funds from your Tip Yourself Account to your Bank Account by requesting such transfer in the app. We 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. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined.

We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service.

Your Tip Yourself Account is subject (1) to a two thousand-dollar ($2,000) deposit limit, which is the same limit regardless of how many tip jars you have (any deposit that would cause your Tip Yourself Account to contain more than two thousand dollars ($2,000) will be declined); and (2) a $500 daily transfer limit.

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. 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.

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). We may use proprietary fraud and risk modeling when completing this review and assessing the risk associated with your Tip Yourself Account. This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. 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. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity and Bank Account information. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed.

By using Tip Yourself and providing user 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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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.

There are no fees or costs associated with Tip Yourself. You agree that you will not receive interest or other earnings on the funds in your Tip Yourself Account. You irrevocably transfer and assign to Earnin any and all rights that you may have to any interest that may accrue on funds held in your Tip Yourself Account. This assignment applies only to interest earned on the funds held in your Tip Yourself Account, and nothing in these Terms of Service grants us any rights to the principal of the funds held in your Tip Yourself Account.

If you do not use your Tip Yourself Account for a certain period of time, applicable law may require us to report the funds in your Tip Yourself Account as unclaimed property. If this occurs, we may try to locate you using your Profile Information. If we are unable to locate you, we may be required to deliver any funds in your Tip Yourself Account to the applicable state as unclaimed property. The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years.

Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. To close your Tip Yourself Account, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself.

YOUR USE OF THE SERVICES

You may only use the Site and Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party. Your use of the Site and the Services must comply with all applicable law. 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. We are not responsible if you use the Site and/or the Services in any manner that violates applicable law.

When you request a Cash Out, Max Boost or Balance Shield, you warrant that the earned wages being cashed out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else.

You represent and warrant that you have the right to authorize us to credit and debit your Bank Account for credits you request and payments you authorize under these Terms of Service, and you agree to indemnify and hold us harmless from any claims by any other owner of the account.

DEBITS AND CREDITS

We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account on the day of your next regularly scheduled paycheck. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. You agree to maintain a balance that is sufficient to fund all payments that you initiate. 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. Our failure to debit your Bank Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Failed or rejected debits may be reinitiated at any time up to 150 days after the first debit. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. You are solely responsible for determining whether the funds debited from your Bank Account and the funds maintained in your Tip Yourself Account are acceptable to you.

Our authorization to initiate debit and credit entries to your Bank Account and to your Tip Yourself Account will remain in full force and effect until you revoke your authorization. If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. 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. Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation.

If we are unable to access funds from your Bank 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. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount.

You are responsible for funding all payments you initiate. 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.

SMS MESSAGING

You consent to receive SMS messages (including text messages), including prerecorded and artificial voice and autodialed from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Earnin account. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. You may text “stop” to opt out at any time.

Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

MODIFICATION TO SITE OR SERVICES

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently the Earnin Site or the Services with or without notice. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. In such event, if you are a member of the Service and such changes are material, we will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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.

RIGHTS YOU GRANT TO US

By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Earnin Services, you are licensing that content to us solely for the purpose of providing such Services. Earnin may use and store the content for the purpose of providing the Service to you. By submitting this content to Earnin, you represent that you are entitled to submit it to Earnin for use for this purpose, without any obligation by us to pay any fees or other limitations.

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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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. YOU ACKNOWLEDGE AND AGREE THAT WHEN EARNIN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, EARNIN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services.

EARNIN’S INTELLECTUAL PROPERTY RIGHTS

All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. You may not copy, imitate, modify or use them without our prior written consent. All rights,title and interest in the Content is hereby reserved. 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. 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.

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.

NO LEGAL, TAX, OR FINANCIAL ADVICE; ALERTS

THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. EARNIN IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. Your financial situation is unique. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. Before using the Services, you should consider obtaining additional information and advice from a financial adviser.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. 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. 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.

DISCLAIMER OF REPRESENTATION AND WARRANTIES

THE SITE, SERVICES, INCLUDING CASH OUTS, LIGHTNING SPEED, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS, AND TIP YOURSELF, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. 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. 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, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK.

EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. 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.

LIMITATION OF LIABILITY

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, 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. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES’ 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).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU.

INDEMNIFICATION OF EARNIN

To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Earnin Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the Site or the Services; (ii) your violation of these Terms of Service or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party.

GOVERNING LAW & FORUM FOR DISPUTES

Any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, any marketing that led to consummation of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, regardless of whether they arise from contract; tort (intentional or otherwise); consumer protection laws; a constitution, statute, common law, or principles of equity; or otherwise will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. Any dispute with Earnin or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case we may seek such relief in any court with jurisdiction over the parties. 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.

You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service:

• YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and
• 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.

MISCELLANEOUS

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. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin.

All covenants, agreements, representations and warranties made in these Terms of Service will survive your acceptance of these Terms of Service and the termination of these Terms of Service.

These Terms of Service represents the entire understanding and agreement between you and Earnin regarding the subject matter of the same, and supersedes all other previous agreements.

CONTACTING US

If you have questions regarding these Terms of Service or the practices of Earnin, please contact us at support@earnin.com, using live chat with the Earnin team via the mobile app, or you can send us a letter at:

ActiveHours Inc., dba Earnin
Legal Department
200 Portage Ave.
Palo Alto, California USA 94306

DEFINITIONS:

Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. 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. We are actively working to support more banks as we continue to grow, and we encourage you to check back at a later time to see if your bank has been added to our list.

Banking Day- means Monday through Friday, excluding federal banking holidays.

Financial Calendar- means your in-app calendar, which tracks bill reminders, daily earnings, recent Cash Outs, and when you have scheduled debits for Cash Outs.

Required Identifying Information– depending on the Service, we may require certain information to validate who you are, including but not limited to:

• 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
• Such other information and documentation that we may require from time to time.

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.) 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. To use Automatic Earnings, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.

Verified Source of Income- means either: (1) paychecks you receive from a Verified Employer. (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. If you are unsure or have questions please contact us by emailing support@earnin.com or using live chat with the Earnin team via the mobile app

CONSENT TO RECEIVE ELECTRONIC DISCLOSURES

You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by us to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. The categories of Communications that may be provided by electronic means include:

• these Terms of Service and any amendments, modifications, or supplements;
• records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations;
• 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);
• any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and
• any other communication related to the Sites or Services.

You understand that, in order to view and/or retain copies of the electronic Communications, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome). Your access to this page through your device verifies that your device meets these requirements. 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.

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. All Communications in either electronic or paper format will be considered to be "in writing." 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 you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services.

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. There are no fees to close your account with us. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

For all of Earnin Services, you agree that any form of electronic signature, including but not limited to signatures via facsimile, scanning, or electronic mail, may substitute for the original signature and shall have the same legal effect as an original signature.

ACCEPTABLE USE POLICY

As a condition of your use of the Sites and Services, you represent and warrant to us that you will not use Earnin’s Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service. You agree that you will not:

• 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
• attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service.

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 actions we may take include the following:

• we may close, suspend, or limit your access to your account or ability to use the Sites or Services;
• we may update inaccurate information you provided us;
• we may decline to allow you to use the Sites or Services in the future;
• we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and
• we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service.

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.

DIGITAL MILLENNIUM COPYRIGHT ACT

Notice. If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• 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.

You may direct copyright infringement notifications to our DMCA Agent at:

Earnin Compliance Team
260 Sheridan Avenue
Suite 300
Palo Alto, CA 94306
Telephone: (888) 510-1119
Email: legal-notices@earnin.com

You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid.

Counter-Notice. 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:

• Your physical or electronic signature;
• 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
• 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 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. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Earnin’s sole discretion.

EARNIN USER GENERATED CONTENT - TERMS OF USE

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.

IMPORTANT NOTICE--THIS IS A BINDING CONTRACT

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. 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.

If you do not agree to these UGC Terms of Use, do not respond #YESEARNIN.

Earnin reserves the right to alter these UGC Terms of Use without advance notice by posting a revised UGC Terms of Use. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content.

YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN.

Submission of Content

By responding #YESEARNIN, you are agreeing to provide Earnin with Content, such as product reviews, comments, ideas, photographs, and videos through your providing agreement through any other social media site. You may submit your Content so long as you wholly own the Content and none of the materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights or otherwise injurious to third parties or objectionable. 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."

License

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 (ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe.

You understand and acknowledge that Earnin may modify the Content for formatting, navigational, integration or other purposes, but such modifications will not materially distort such Content.

No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness.

Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. Earnin’s use of the Content or your Name and/or Likeness does not imply any endorsement of or any affiliation with you.

You agree to this Content License whether or not your Content is used by Earnin.

The Licensed Parties reserve the right to remove any Content.

Copyright Policy

Earnin respects the intellectual property of others and asks that you do the same. If you believe that your Content has been copied in a way that constitutes copyright infringement, you may provide us with written notification of your claim in accordance with the requirements of the U.S. Digital Millennium Copyright Act of 1998 by emailing legal-notices@earnin.com or sending Earnin a physical notification at:

ActiveHours, Inc. d/b/a Earnin
Attn: Compliance Team
260 Sheridan Ave, Suite 300,
Palo Alto, CA 94301

Your Representation of Ownership

For each piece of Content you submit, you acknowledge and agree that:

• you are not a minor;
• 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. 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. 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
• You agree that no confidential or fiduciary relationship is intended or created between you and Earning. To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights.

Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Earnin, ANY THIRD PARTY SUBLICENSEE OF Earnin, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS, ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF OR RESULTING FROM THESE UGC TERMS OF USE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR HARM TO BUSINESS, LOST PROFITS, LOST SAVINGS, OR LOST REVENUES, HOWEVER SUCH DAMAGES ARE CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY. THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES.

INDEMNITY & RELEASE

You agree to indemnify, defend and hold Earnin, its agents, suppliers, licensees, successors, or assigns, and/or its and their respective officers, directors, employees, contractors and agents (collectively, the "Indemnified Parties") harmless from and against any and all damages, liability, claims, actions, demands and costs (including, without limitation, reasonable attorneys’ fees and costs of settlement) arising out of any breach by you of these UGC Terms of Use.

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.

If you are a California resident, you expressly waive California Civil Code §1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

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.

If requested, you will sign any documentation in such manner and at such location as may be required to protect, perfect or enforce any of the rights you have granted to Earnin under these UGC Terms of Use.

Privacy

In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. Our Privacy Policy describes the information we collect and how we use it.

Miscellaneous

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.

These UGC Terms of Use is governed by the laws of the State of California, excluding its conflicts of law rules. You hereby consent to personal jurisdiction and venue in the state and federal courts located in the County of Santa Clara, California.

You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these UGC Terms of Use (or which Earnin has the benefit of under any applicable law), this will not be taken to be a formal waiver of Earnin’s rights and that those rights or remedies will still be available to Earnin.

EVOLVE BANK & TRUST
CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT

Overview

Your use of the Tip Yourself Service is governed by Activehours, Inc.’s Terms of Service and the Tip Yourself Supplemental Terms of Service. This Custodial Account Authorization Agreement is provided as a supplement to the Tip Yourself Terms of Service and governs the underlying bank account that is used for your Tip Yourself Account (also known as your “Tip Jar” and referred to herein as your “Sub-Deposit Account”). You as the person that holds the Account, as defined in that certain Evolve Bank & Trust Customer Account Terms (the “Account Agreement”), hereby direct Evolve Bank & Trust, as your agent, and any of its designees, agents, representatives and affiliates (collectively, the “Bank,” “our,” “us” or “we”), as agent for you, to open and maintain in Bank’s Trust Department and/or with other depository institutions (each, an “Insured Depository Institution”) or the Federal Reserve Bank an omnibus custody account owned by the Bank, in which Bank pools the funds held by all of Activehours, Inc.’s (the “Company”) customers, for their benefit, within which you will be issued a sub-account established in your name (“Sub-Deposit Account”).

Deposits and Withdrawals

You authorize the Bank to deposit in the Sub-Deposit Account from time to time all or some moneys you may deliver to Bank from time to time for credit to the Account. 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. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account. Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your request. All terms, provisions and agreements set forth in the Account Agreement are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. To the extent that the terms set forth in this Custodial Account Authorization Agreement are inconsistent with the terms of the Account Agreement as it relates to the Sub-Account, the terms set forth in this Custodial Account Authorization Agreement shall apply. Terms not defined herein have the same meanings as set forth in the Account Agreement. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Funds held in your Sub-Deposit Account will remain in your Sub-Deposit Account until you instruct us to transfer any or all of your funds from your Sub-Deposit Account to your Checking Account by requesting such transfer.

No Third-Party Payments

You may not use the funds in your Sub-Deposit Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Checking Account.

Customer Maximum Deposit Limit

You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. Your Sub-Deposit Account will also have a daily maximum transfer limit of five hundred dollars ($500).

Right to Refuse Deposits or Withdrawals

Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account.

No Overdrafts

You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. 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. If you do not have sufficient available funds in your Sub-Deposit Account to cover the amount of the requested transfer, your request for the transfer will be declined.

No Financial Advice

You hereby appoint Bank as your agent and custodian, subject to the terms set forth herein. We are not, however, acting as your financial adviser. The owner of the Sub-Deposit Account is Bank as agent and custodian for you.

Fees and Interest

You will not be charged a fee for Bank’s placement of your funds or in connection with the Sub-Deposit Account. Bank performs all account deposits and withdrawals. You agree that you will not receive interest or other earnings on the funds in your Sub-Deposit Account.

FDIC Insurance Coverage

You further authorize us to collect for you payments related to a Sub-Deposit Account, and to execute and deliver or file on your behalf all appropriate receipts, agreements, releases and other instruments, including whatever agreements may be required to establish and maintain the Sub-Deposit Account or to establish your ownership interest in the Sub-Deposit Account. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. All funds associated with your deposit account are held by Evolve Bank & Trust. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For more information on FDIC insurance coverage, please visit www.FDIC.gov. The funds deposited in the Sub-Deposit Account will be FDIC insured to the same extent as if such funds were held in the Account with us and shall be aggregated with deposits maintained in your Account with us. In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage.

The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Bank’s Trust Department or Federal Reserve Bank.

Opt-Out Procedure

Your only rights with respect to the Sub-Deposit Account are to demand we repay you all amounts in your Account, including those transferred to the Sub-Deposit Account, and to terminate this Custodial Account Authorization Agreement, as set forth below. The Sub-Deposit Account may not be transferred to another institution, except by us or the Insured Depository Institution.

You may terminate our role as your agent and custodian and our ability to deposit funds you provide us in the Sub-Deposit Account by providing us with thirty (30) days’ prior written notice, such notice to be sent to Evolve Bank & Trust 6070 Poplar Avenue, 2nd Floor, Memphis, TN 38119. Any termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you.

Account Records

When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. 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. You must immediately report to us any changes in Account ownership information that you originally provided to us in connection with the submission of your application for an Account.

Deposit Accounts and Reporting Obligations

Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. We will not place funds with more than one Insured Depository Institution. We may place funds to enhance our business objectives and for balance sheet management without any benefit to you, including increased FDIC deposit insurance coverage. Further, we may receive greater benefits when we place your funds with an Insured Depository Institution than if we otherwise maintained your funds with us. We are under no obligation to place your funds with an Insured Depository Institution.

A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account.

We may provide your name, tax identification number and other pertinent identifying information to Insured Depository Institution, and other parties providing services in connection with the placement of your funds and the establishing and holding the Sub-Deposit Account. You hereby consent to such release of information. Nothing in this section shall be deemed to prevent us from disclosing information to a third party if required by law.

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. 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. These transfers, including the placement transfer, will not appear on your monthly statement.

Termination

This Custodial Account Authorization Agreement shall remain in full force and effect until the Account Agreement terminates or as otherwise terminated by Bank in its sole discretion. This Custodial Account Authorization Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns; provided, however, you may not assign this agreement to any person without Bank’s written consent.

Indemnification

You, to the extent permitted by law, agree to indemnify Bank from and against any and all claims, losses and liabilities growing out of or resulting from this Custodial Account Authorization Agreement. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. You shall have the right in each case at your sole expense to investigate, and the right in your sole discretion to defend or compromise any claim, loss or liability for which indemnification is sought. If any action, suit or proceeding is brought against Bank in connection with any claim, loss or liability that is subject to indemnity hereunder, you may and, upon Bank’s request will, at your expense resist and defend such action, suit or proceeding, or cause the same to be resisted or defended by counsel selected by the you and reasonably acceptable to Bank.

Governing Law and Venue

THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. IN THE EVENT THAT ANY PROVISION OF THIS AGREEMENT IS HELD BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, UNENFORCEABLE OR VIOLATIVE OF ANY APPLICABLE LAW, IT SHALL BE DEEMED NULL AND VOID TO THE EXTENT THEREOF WITHOUT AFFECTING THE BALANCE OF THIS CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT.

TERMS OF SERVICE

(Last Updated March 23, 2020)

Welcome to Earnin! 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. 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. The words "we", "us", "our" and any other variation thereof refer to Earnin. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. 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. 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.

ACCEPTANCE OF TERMS

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE SITE OR THE SERVICES YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. You may not use the Site or Services, or accept these Terms of Service, if

1. you are not of legal age to form a binding contract with Earnin;
2. you are prohibited by law from receiving or using the Services; or
3. you are not a U.S. resident.

You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. You also agree to comply with the following additional policies:

• Privacy Policy
• Consent to Receive Electronic Disclosures (E-Sign Disclosure and Consent)
• Acceptable Use Policy
• Digital Millennium Copyright Act
• User Generated Content

We may revise these Terms of Service and any of the policies listed above (together, the “Policies”) from time to time. The revised version will be effective at the time we post it, unless otherwise noted. 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. By continuing to use our Services after any changes to the Policies become effective, you agree to abide and be bound by those changes. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin.

SIGNING UP WITH EARNIN

You may only have one account with Earnin. 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 Employer, a Bank Account and use a cellular/wireless telephone number and/or email address that you own.

An Earnin account will let you:

• Obtain a Cash Out
• Turn on Balance Shield
• Use Health Aid
• Get Cash Back Rewards
• Use Tip Yourself
• View your Financial Calendar

You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. Your phone number, email address and other contact information must be kept current in your account profile. If you believe that either your credentials or a device that you use to access the Site and/or our Services has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at support@earnin.com or live chat the Earnin team via the mobile app.

You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). Please update all your Profile Information whenever the information provided to us is no longer accurate. You can update your Profile information by clicking on the settings link after you login. 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. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. 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.

TERMINATING YOUR EARNIN ACCOUNT

You may close your account and terminate your relationship with us without termination fees. 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.

EARNIN SERVICES

Once we have verified the Required Identifying Information that you provide to us, you will be able to begin using Earnin’s Services and Site. 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.

NO REQUIRED FEES OR CHARGES

You are not required to pay any fees or charges to use any of the Earnin Services. 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. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. Please note that while tips are non-refundable, if you need help in changing your tip amount, please live chat the Earnin team via the mobile app. 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. 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. For more information about voluntary tips please reference the specific service below.

We believe that the world is a better place when we all help each other out. You can support our Services by tipping what you think is fair and/or by “paying it forward” to others within the Earnin community by paying a tip on behalf of another user. With all of Earnin’s Services and the Site, you choose whether to pay, what to pay, and how often you pay.

Cash Out. Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a “Cash Out”. You may only Cash Out earned wages paid to you by your employer. 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 your next pay period. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. We have the right to adjust your maxes at any time. 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. These factors may be changed at any time, at our sole discretion. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services.

Lightning Speed. Depending on your bank, if you provide us your debit card information or banking routing number and Bank Account information, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes.

Max Boost. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. 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. This temporary Max Boost will expire at the end of the pay period. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. We may cancel an approved Max Boost if you are no longer at your pay period Max, or if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the 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.

There are no fees or costs associated with Cash Out or Max Boost. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. We appreciate the tip if you can and however much you feel is fair- anywhere from $0-$14 for Cash Out and Max Boost. We like putting you in control.

Balance Shield. Allows you to set an alert to have Earnin send you a notification when your Bank Account falls below an amount that you set ($0-$400) to help you monitor your bank account balance. 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. Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. You are responsible for monitoring your Daily Max and Pay Period Max to ensure that the Cash Out application of Balance Shield is available to you. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. 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.

Balance Shield alerts can stay on indefinitely until you turn them off. There is no fee or charge to use Balance Shield alerts. 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. 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. Earnin will send you an annual reminder that Balance Shield is turned on.

NO OBLIGATION TO REPAY

We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out 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. 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.

Health Aid. If you have created an Earnin account, Health Aid allows you to submit your eligible medical bills to Earnin’s Health Aid team to learn about lower payment options for you with your medical providers. Unfortunately, not all medical bills are eligible for Health Aid. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. 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. We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or a request for further action from you, so that Earnin can better gauge what options may be available. Health Aid is for informational purposes only and does not guarantee any results. 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.

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. By using Medical Bill Review, you further authorize us to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. 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.

There are no fees or costs associated with Health Aid. Earnin accepts voluntary tips in appreciation for Services rendered. You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-1$100, but are under no obligation to do so. We like putting you in control.

Cash Back Rewards. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. 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. 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. There is a $250 cashback limit per transaction.

You may opt-out of Cash Back Rewards at any time by unlink your cards. Within the app, go to Cash Back Rewards, click on “unenroll” and confirm you want to unenroll the card. You must repeat this process for every card you wish to delete.

Not all Visa, MasterCard, and American Express cards are eligible for registration. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible.

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. 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.

Please note that we use Empyr, Inc. as our service provider to help us operate our program. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. If you have already enrolled the debit or credit card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Cash Back Rewards and the other Empyr, Inc. operated program. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program.

Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the merchant at the time of purchase and will instead be reflected as part of the aggregate amount received from Earnin. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction but may be subject to delays.

Cash Back Rewards credits cannot be processed if your debit or credit card number expires or changes while the credit is pending and not settled, or your debit or credit card account is not open or in good standing. You may not receive a credit if it is not posted by your card issuer. 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.

In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Earnin.

Earnin may choose to share a portion of its Empyr publisher fee with Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice.

Tip Yourself

This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. You may access the terms of such agreement at any time here.

By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with us, your Tip Yourself Account. The Tip Yourself Service allows you to better track and meet your savings goals by allowing you to authorize one-time and/or recurring transfers from your Bank Account to your Tip Yourself Account. Within your Tip Yourself Account you can track your savings towards your specific savings goals by creating different “tip jars” within your Tip Yourself Account. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. You may obtain information about the balance of funds in your Tip Yourself Account at any time in the app.

Only funds from your Bank Account may be transferred to your Tip Yourself Account. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. If you enable “Lightning Speed”, you may fund your Tip Yourself Account in minutes with your debit card. The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. You may not use the funds in your Tip Yourself Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Bank Account. Funds held in your Tip Yourself Account will remain in your Tip Yourself Account until you instruct us to transfer any or all of your funds from your Tip Yourself Account to your Bank Account by requesting such transfer in the app. We 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. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined.

We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service.

Your Tip Yourself Account is subject (1) to a two thousand-dollar ($2,000) deposit limit, which is the same limit regardless of how many tip jars you have (any deposit that would cause your Tip Yourself Account to contain more than two thousand dollars ($2,000) will be declined); and (2) a $500 daily transfer limit.

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. 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.

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). We may use proprietary fraud and risk modeling when completing this review and assessing the risk associated with your Tip Yourself Account. This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. 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. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity and Bank Account information. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed.

By using Tip Yourself and providing user 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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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.

There are no fees or costs associated with Tip Yourself. You agree that you will not receive interest or other earnings on the funds in your Tip Yourself Account. You irrevocably transfer and assign to Earnin any and all rights that you may have to any interest that may accrue on funds held in your Tip Yourself Account. This assignment applies only to interest earned on the funds held in your Tip Yourself Account, and nothing in these Terms of Service grants us any rights to the principal of the funds held in your Tip Yourself Account.

If you do not use your Tip Yourself Account for a certain period of time, applicable law may require us to report the funds in your Tip Yourself Account as unclaimed property. If this occurs, we may try to locate you using your Profile Information. If we are unable to locate you, we may be required to deliver any funds in your Tip Yourself Account to the applicable state as unclaimed property. The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years.

Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. To close your Tip Yourself Account, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself.

YOUR USE OF THE SERVICES

You may only use the Site and Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party. Your use of the Site and the Services must comply with all applicable law. 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. We are not responsible if you use the Site and/or the Services in any manner that violates applicable law.

When you request a Cash Out, Max Boost or Balance Shield, you warrant that the earned wages being cashed out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else.

You represent and warrant that you have the right to authorize us to credit and debit your Bank Account for credits you request and payments you authorize under these Terms of Service, and you agree to indemnify and hold us harmless from any claims by any other owner of the account.

DEBITS AND CREDITS

We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account on the day of your next regularly scheduled paycheck. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. You agree to maintain a balance that is sufficient to fund all payments that you initiate. 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. Our failure to debit your Bank Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules. Failed or rejected debits may be reinitiated at any time up to 180 days after the first debit. By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. You are solely responsible for determining whether the funds debited from your Bank Account and the funds maintained in your Tip Yourself Account are acceptable to you.

Our authorization to initiate debit and credit entries to your Bank Account and to your Tip Yourself Account will remain in full force and effect until you revoke your authorization. If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. 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. Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation.

If we are unable to access funds from your Bank 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. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount.

You are responsible for funding all payments you initiate. 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.

SMS MESSAGING

You consent to receive SMS messages (including text messages), including prerecorded and artificial voice and autodialed from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Earnin account. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. You may text “stop” to opt out at any time.

Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

MODIFICATION TO SITE OR SERVICES

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently the Earnin Site or the Services with or without notice. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. In such event, if you are a member of the Service and such changes are material, we will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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.

RIGHTS YOU GRANT TO US

By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Earnin Services, you are licensing that content to us solely for the purpose of providing such Services. Earnin may use and store the content for the purpose of providing the Service to you. By submitting this content to Earnin, you represent that you are entitled to submit it to Earnin for use for this purpose, without any obligation by us to pay any fees or other limitations.

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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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. YOU ACKNOWLEDGE AND AGREE THAT WHEN EARNIN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, EARNIN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services.

EARNIN’S INTELLECTUAL PROPERTY RIGHTS

All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. You may not copy, imitate, modify or use them without our prior written consent. All rights,title and interest in the Content is hereby reserved. 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. 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.

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.

NO LEGAL, TAX, OR FINANCIAL ADVICE; ALERTS

THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. EARNIN IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. Your financial situation is unique. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. Before using the Services, you should consider obtaining additional information and advice from a financial adviser.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. 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. 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.

DISCLAIMER OF REPRESENTATION AND WARRANTIES

THE SITE, SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS, AND TIP YOURSELF, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. 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. 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, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK.

EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. 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.

LIMITATION OF LIABILITY

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. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES’ 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).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU.

INDEMNIFICATION OF EARNIN

To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Earnin Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the Site or the Services; (ii) your violation of these Terms of Service or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party.

GOVERNING LAW & FORUM FOR DISPUTES

Any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, any marketing that led to consummation of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, regardless of whether they arise from contract; tort (intentional or otherwise); consumer protection laws; a constitution, statute, common law, or principles of equity; or otherwise will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. Any dispute with Earnin or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case we may seek such relief in any court with jurisdiction over the parties. 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.

You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service:

• YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and
• 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.

MISCELLANEOUS

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. You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin.

All covenants, agreements, representations and warranties made in these Terms of Service will survive your acceptance of these Terms of Service and the termination of these Terms of Service.

These Terms of Service represents the entire understanding and agreement between you and Earnin regarding the subject matter of the same, and supersedes all other previous agreements.

CONTACTING US

If you have questions regarding these Terms of Service or the practices of Earnin, please contact us at support@earnin.com, using live chat with the Earnin team via the mobile app, or you can send us a letter at:

ActiveHours Inc., dba Earnin
Legal Department
200 Portage Ave.
Palo Alto, California USA 94306

DEFINITIONS:

Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. 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. We are actively working to support more banks as we continue to grow, and we encourage you to check back at a later time to see if your bank has been added to our list.

Banking Day- means Monday through Friday, excluding federal banking holidays.

Financial Calendar- means your in-app calendar, which tracks bill reminders, daily earnings, recent Cash Outs, and when you have scheduled debits for Cash Outs.

Required Identifying Information– depending on the Service, we may require certain information to validate who you are, including but not limited to:

• 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
• Such other information and documentation that we may require from time to time.

Verified Employer- an employer that (1) has a fixed work location in which you work out of (unfortunately at this time we are unable to support residential work locations) or an online/electronic timekeeping system at work; (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. 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. To use Automatic Earnings, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.

CONSENT TO RECEIVE ELECTRONIC DISCLOSURES

You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by us to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. The categories of Communications that may be provided by electronic means include:

• these Terms of Service and any amendments, modifications, or supplements;
• records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations;
• 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);
• any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and
• any other communication related to the Sites or Services.

You understand that, in order to view and/or retain copies of the electronic Communications, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome). Your access to this page through your device verifies that your device meets these requirements. 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.

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. All Communications in either electronic or paper format will be considered to be "in writing." 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 you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services.

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. There are no fees to close your account with us. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

For all of Earnin Services, you agree that any form of electronic signature, including but not limited to signatures via facsimile, scanning, or electronic mail, may substitute for the original signature and shall have the same legal effect as an original signature.

ACCEPTABLE USE POLICY

As a condition of your use of the Sites and Services, you represent and warrant to us that you will not use Earnin’s Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service. You agree that you will not:

• 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
• attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service.

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 actions we may take include the following:

• we may close, suspend, or limit your access to your account or ability to use the Sites or Services;
• we may update inaccurate information you provided us;
• we may decline to allow you to use the Sites or Services in the future;
• we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and
• we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service.

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.

DIGITAL MILLENNIUM COPYRIGHT ACT

Notice. If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
• 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.

You may direct copyright infringement notifications to our DMCA Agent at:

Earnin Compliance Team
260 Sheridan Avenue
Suite 300
Palo Alto, CA 94306
Telephone: (888) 510-1119
Email: legal-notices@earnin.com

You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid.

Counter-Notice. 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:

• Your physical or electronic signature;
• 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
• 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 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. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Earnin’s sole discretion.

EARNIN USER GENERATED CONTENT - TERMS OF USE

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.

IMPORTANT NOTICE--THIS IS A BINDING CONTRACT

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. 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.

If you do not agree to these UGC Terms of Use, do not respond #YESEARNIN.

Earnin reserves the right to alter these UGC Terms of Use without advance notice by posting a revised UGC Terms of Use. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content.

YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN.

Submission of Content

By responding #YESEARNIN, you are agreeing to provide Earnin with Content, such as product reviews, comments, ideas, photographs, and videos through your providing agreement through any other social media site. You may submit your Content so long as you wholly own the Content and none of the materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights or otherwise injurious to third parties or objectionable. 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."

License

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 (ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe.

You understand and acknowledge that Earnin may modify the Content for formatting, navigational, integration or other purposes, but such modifications will not materially distort such Content.

No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness.

Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. Earnin’s use of the Content or your Name and/or Likeness does not imply any endorsement of or any affiliation with you.

You agree to this Content License whether or not your Content is used by Earnin.

The Licensed Parties reserve the right to remove any Content.

Copyright Policy

Earnin respects the intellectual property of others and asks that you do the same. If you believe that your Content has been copied in a way that constitutes copyright infringement, you may provide us with written notification of your claim in accordance with the requirements of the U.S. Digital Millennium Copyright Act of 1998 by emailing legal-notices@earnin.com or sending Earnin a physical notification at:

ActiveHours, Inc. d/b/a Earnin
Attn: Compliance Team
260 Sheridan Ave, Suite 300,
Palo Alto, CA 94301

Your Representation of Ownership

For each piece of Content you submit, you acknowledge and agree that:

• you are not a minor;
• 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. 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. 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
• You agree that no confidential or fiduciary relationship is intended or created between you and Earning. To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights.

Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Earnin, ANY THIRD PARTY SUBLICENSEE OF Earnin, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS, ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF OR RESULTING FROM THESE UGC TERMS OF USE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR HARM TO BUSINESS, LOST PROFITS, LOST SAVINGS, OR LOST REVENUES, HOWEVER SUCH DAMAGES ARE CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY. THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES.

INDEMNITY & RELEASE

You agree to indemnify, defend and hold Earnin, its agents, suppliers, licensees, successors, or assigns, and/or its and their respective officers, directors, employees, contractors and agents (collectively, the "Indemnified Parties") harmless from and against any and all damages, liability, claims, actions, demands and costs (including, without limitation, reasonable attorneys’ fees and costs of settlement) arising out of any breach by you of these UGC Terms of Use.

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.

If you are a California resident, you expressly waive California Civil Code §1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

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.

If requested, you will sign any documentation in such manner and at such location as may be required to protect, perfect or enforce any of the rights you have granted to Earnin under these UGC Terms of Use.

Privacy

In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. Our Privacy Policy describes the information we collect and how we use it.

Miscellaneous

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.

These UGC Terms of Use is governed by the laws of the State of California, excluding its conflicts of law rules. You hereby consent to personal jurisdiction and venue in the state and federal courts located in the County of Santa Clara, California.

You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these UGC Terms of Use (or which Earnin has the benefit of under any applicable law), this will not be taken to be a formal waiver of Earnin’s rights and that those rights or remedies will still be available to Earnin.

EVOLVE BANK & TRUST
CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT

Overview

Your use of the Tip Yourself Service is governed by Activehours, Inc.’s Terms of Service and the Tip Yourself Supplemental Terms of Service. This Custodial Account Authorization Agreement is provided as a supplement to the Tip Yourself Terms of Service and governs the underlying bank account that is used for your Tip Yourself Account (also known as your “Tip Jar” and referred to herein as your “Sub-Deposit Account”). You as the person that holds the Account, as defined in that certain Evolve Bank & Trust Customer Account Terms (the “Account Agreement”), hereby direct Evolve Bank & Trust, as your agent, and any of its designees, agents, representatives and affiliates (collectively, the “Bank,” “our,” “us” or “we”), as agent for you, to open and maintain in Bank’s Trust Department and/or with other depository institutions (each, an “Insured Depository Institution”) or the Federal Reserve Bank an omnibus custody account owned by the Bank, in which Bank pools the funds held by all of Activehours, Inc.’s (the “Company”) customers, for their benefit, within which you will be issued a sub-account established in your name (“Sub-Deposit Account”).

Deposits and Withdrawals

You authorize the Bank to deposit in the Sub-Deposit Account from time to time all or some moneys you may deliver to Bank from time to time for credit to the Account. 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. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account. Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your request. All terms, provisions and agreements set forth in the Account Agreement are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. To the extent that the terms set forth in this Custodial Account Authorization Agreement are inconsistent with the terms of the Account Agreement as it relates to the Sub-Account, the terms set forth in this Custodial Account Authorization Agreement shall apply. Terms not defined herein have the same meanings as set forth in the Account Agreement. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Funds held in your Sub-Deposit Account will remain in your Sub-Deposit Account until you instruct us to transfer any or all of your funds from your Sub-Deposit Account to your Checking Account by requesting such transfer.

No Third-Party Payments

You may not use the funds in your Sub-Deposit Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Checking Account.

Customer Maximum Deposit Limit

You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. Your Sub-Deposit Account will also have a daily maximum transfer limit of five hundred dollars ($500).

Right to Refuse Deposits or Withdrawals

Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account.

No Overdrafts

You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. 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. If you do not have sufficient available funds in your Sub-Deposit Account to cover the amount of the requested transfer, your request for the transfer will be declined.

No Financial Advice

You hereby appoint Bank as your agent and custodian, subject to the terms set forth herein. We are not, however, acting as your financial adviser. The owner of the Sub-Deposit Account is Bank as agent and custodian for you.

Fees and Interest

You will not be charged a fee for Bank’s placement of your funds or in connection with the Sub-Deposit Account. Bank performs all account deposits and withdrawals. You agree that you will not receive interest or other earnings on the funds in your Sub-Deposit Account.

FDIC Insurance Coverage

You further authorize us to collect for you payments related to a Sub-Deposit Account, and to execute and deliver or file on your behalf all appropriate receipts, agreements, releases and other instruments, including whatever agreements may be required to establish and maintain the Sub-Deposit Account or to establish your ownership interest in the Sub-Deposit Account. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. All funds associated with your deposit account are held by Evolve Bank & Trust. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For more information on FDIC insurance coverage, please visit www.fdic.gov. The funds deposited in the Sub-Deposit Account will be FDIC insured to the same extent as if such funds were held in the Account with us and shall be aggregated with deposits maintained in your Account with us. In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage.

The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Bank’s Trust Department or Federal Reserve Bank.

Opt-Out Procedure

Your only rights with respect to the Sub-Deposit Account are to demand we repay you all amounts in your Account, including those transferred to the Sub-Deposit Account, and to terminate this Custodial Account Authorization Agreement, as set forth below. The Sub-Deposit Account may not be transferred to another institution, except by us or the Insured Depository Institution.

You may terminate our role as your agent and custodian and our ability to deposit funds you provide us in the Sub-Deposit Account by providing us with thirty (30) days’ prior written notice, such notice to be sent to Evolve Bank & Trust 6070 Poplar Avenue, 2nd Floor, Memphis, TN 38119. Any termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you.

Account Records

When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. 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. You must immediately report to us any changes in Account ownership information that you originally provided to us in connection with the submission of your application for an Account.

Deposit Accounts and Reporting Obligations

Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. We will not place funds with more than one Insured Depository Institution. We may place funds to enhance our business objectives and for balance sheet management without any benefit to you, including increased FDIC deposit insurance coverage. Further, we may receive greater benefits when we place your funds with an Insured Depository Institution than if we otherwise maintained your funds with us. We are under no obligation to place your funds with an Insured Depository Institution.

A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account.

We may provide your name, tax identification number and other pertinent identifying information to Insured Depository Institution, and other parties providing services in connection with the placement of your funds and the establishing and holding the Sub-Deposit Account. You hereby consent to such release of information. Nothing in this section shall be deemed to prevent us from disclosing information to a third party if required by law.

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. 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. These transfers, including the placement transfer, will not appear on your monthly statement.

Termination

This Custodial Account Authorization Agreement shall remain in full force and effect until the Account Agreement terminates or as otherwise terminated by Bank in its sole discretion. This Custodial Account Authorization Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns; provided, however, you may not assign this agreement to any person without Bank’s written consent.

Indemnification

You, to the extent permitted by law, agree to indemnify Bank from and against any and all claims, losses and liabilities growing out of or resulting from this Custodial Account Authorization Agreement. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. You shall have the right in each case at your sole expense to investigate, and the right in your sole discretion to defend or compromise any claim, loss or liability for which indemnification is sought. If any action, suit or proceeding is brought against Bank in connection with any claim, loss or liability that is subject to indemnity hereunder, you may and, upon Bank’s request will, at your expense resist and defend such action, suit or proceeding, or cause the same to be resisted or defended by counsel selected by the you and reasonably acceptable to Bank.

Governing Law and Venue

THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. IN THE EVENT THAT ANY PROVISION OF THIS AGREEMENT IS HELD BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, UNENFORCEABLE OR VIOLATIVE OF ANY APPLICABLE LAW, IT SHALL BE DEEMED NULL AND VOID TO THE EXTENT THEREOF WITHOUT AFFECTING THE BALANCE OF THIS CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT.

TERMS OF SERVICE

(Last Updated December 23, 2019)

Welcome to Earnin! 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. 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. The words "we", "us", "our" and any other variation thereof refer to Earnin. Any reference to "Earnin" in this document includes the directors, officers, employees, contractors, owners, agents, licensors, or licensees of Earnin. 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. 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.

ACCEPTANCE OF TERMS

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE SITE OR THE SERVICES YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ACCESS OR USE THE SITE OR THE SERVICES. You may not use the Site or Services, or accept these Terms of Service, if

1. you are not of legal age to form a binding contract with Earnin;
2. you are prohibited by law from receiving or using the Services; or
3. you are not a U.S. resident.

You agree to comply with these Terms of Service, which include an agreement to resolve disputes in small-claims court. You also agree to comply with the following additional policies:

• Privacy Policy
• Consent to Receive Electronic Disclosures (E-Sign Disclosure and Consent)
• Acceptable Use Policy
• Digital Millennium Copyright Act
• User Generated Content

We may revise these Terms of Service and any of the policies listed above (together, the “Policies”) from time to time. The revised version will be effective at the time we post it, unless otherwise noted. 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. By continuing to use our Services after any changes to the Policies become effective, you agree to abide and be bound by those changes. If you do not agree with any changes to the Policies, you may close your account and terminate your Services with Earnin.

SIGNING UP WITH EARNIN

You may only have one account with Earnin. 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 Employer, a Bank Account and use a cellular/wireless telephone number and/or email address that you own. An Earnin account will let you:

• Obtain a Cash Out
• Turn on Balance Shield
• Use Health Aid
• Get Cash Back Rewards
• Use Tip Yourself
• View your Financial Calendar

You acknowledge that you must keep confidential any credentials you use to access your Earnin account, the Site and the Services. Your phone number, email address and other contact information must be kept current in your account profile. If you believe that either your credentials or a device that you use to access the Site and/or our Services has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at support@earnin.com or live chat the Earnin team via the mobile app.

You also agree to provide accurate profile information, including, as applicable, your name, physical address, email address (“Profile Information”). Please update all your Profile Information whenever the information provided to us is no longer accurate. You can update your Profile information by clicking on the settings link after you login. 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. You also agree to provide accurate Bank Account information, and promptly update it whenever the information is no longer accurate. 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. TERMINATING YOUR EARNIN ACCOUNT

You may close your account and terminate your relationship with us without termination fees. 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.

EARNIN SERVICES

Once we have verified the Required Identifying Information that you provide to us, you will be able to begin using Earnin’s Services and Site. 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.

NO REQUIRED FEES OR CHARGES

You are not required to pay any fees or charges to use any of the Earnin Services. 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. You may make voluntary tips to Earnin in appreciation of the Site and/or Services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. Please note that tips are non-refundable. 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. 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. For more information about voluntary tips please reference the specific service below.

We believe that the world is a better place when we all help each other out. You can support our Services by tipping what you think is fair and/or by “paying it forward” to others within the Earnin community by paying a tip on behalf of another user. With all of Earnin’s Services and the Site, you choose whether to pay, what to pay, and how often you pay.

Cash Out. Allows you to access some or all of your earned wages prior to the payday scheduled by your employer, by requesting a “Cash Out”. 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 your next pay period. All Earnin community members start with a $100 Pay Period Max, with a potential for it to increase up to $500. We have the right to adjust your maxes at any time. 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. These factors may be changed at any time, at our sole discretion. We may also limit the number Cash Outs that you can request at any given time or over a period of time, or decline to extend a Cash Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services.

Lightning Speed. If you provide us a debit card, you can Cash Out with Lightning Speed, a service that enables funds associated with Cash Outs to be expedited. If you only provide your Bank Account information to us, you will generally receive your Cash Out within the next 2-3 Banking Days after you request a Cash Out in your Bank Account. If you provide us with your debit card information, you should be able to receive your Cash Out in minutes.

Max Boost. As part of Earnin’s Cash Out Services, you may be offered the opportunity to participate in Max Boost. 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. This temporary Max Boost will expire at the end of the pay period. Grantors are not required to approve a Max Boost request, and there is no financial or legal obligation on the Grantor. We may cancel an approved Max Boost if you are no longer at your pay period Max, or if we reasonably believe such refusal is necessary or advisable for legal or security reasons, or to protect the 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.

There are no fees or costs associated with Cash Out or Max Boost. As outlined above, Earnin accepts voluntary tips in appreciation for Services rendered. We appreciate the tip if you can and however much you feel is fair- anywhere from $0-$14 for Cash Out and Max Boost. We like putting you in control.

Balance Shield. Allows you to set an alert to have Earnin send you a notification when your Bank Account falls below an amount that you set ($0-$400) to help you monitor your bank account balance. 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. Note, that a Balance Shield Cash Out is subject to your available earned wages, your Daily Max and Pay Period Max requirements. You are responsible for monitoring your Daily Max and Pay Period Max to ensure that the Cash Out application of Balance Shield is available to you. We may limit the amount we send you for Balance Shield Cash Out at any given time or over a period of time. 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.

Balance Shield alerts can stay on indefinitely until you turn them off. There is no fee or charge to use Balance Shield alerts. 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. If you choose to enable Balance Shield Cash Out to activate automatically and set a voluntary tip every time, Balance Shield Cash Out will stay on indefinitely until you turn it off. Earnin will send you an annual reminder that Balance Shield is turned on.

NO OBLIGATION TO REPAY

We will have no legal or contractual claim or remedy against you based on your failure to repay any Cash Out, Max Boost or Balance Shield Cash Out 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. 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.

Health Aid. If you have created an Earnin account, Health Aid allows you to submit your eligible medical bills to Earnin’s Health Aid team to learn about lower payment options for you with your medical providers. Unfortunately, not all medical bills are eligible for Health Aid. Once you upload a medical bill, we will review and notify you if the medical bill is ineligible. 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. We will send you an update within 48 business hours with either: a final report of available options (if any) to lower your medical bill payments that Earnin obtained from your medical provider or its representatives, or to provide an update and/or request further information from you. Health Aid is for informational purposes only and does not guarantee any results. 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.

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. By using Medical Bill Review, you further authorize us to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. 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.

There are no fees or costs associated with Health Aid. Earnin accepts voluntary tips in appreciation for Services rendered. You can choose to leave a tip in appreciation for using Health Aid, anywhere from $0-$100, but are under no obligation to do so. We like putting you in control.

Cash Back Rewards. If you have created an Earnin account, you can enroll your debit or credit card in Cash Back Rewards and you will receive cash back in the form of credit to that same card within 10 days of making a Qualified Purchase at participating merchants. Specifically, Cash Back Rewards will be available for redemption 3-5 days after making a Qualified Purchase. Once you choose to redeem, the reward will be reflected in your associated bank account 3-5 days after that. A “Qualified Purchase” is a purchase from a participating merchant using your debit or credit card in accordance with the terms of the Offer and these Terms of Service. 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. There is a $250 cashback limit per transaction.

You may opt-out of Cash Back Rewards at any time by unlinking your cards. Within the app, go to Cash Back Rewards, click on “unenroll” and confirm you want to unenroll the card. You must repeat this process for every card you wish to delete.

Not all Visa, MasterCard, and American Express cards are eligible for registration. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A. payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible.

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. 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.

Please note that we use Empyr, Inc. as our service provider to help us operate our program. Your debit or credit card may only be enrolled in one program operated by Empyr, Inc. If you have already enrolled the debit or credit card with a separate program operated by Empyr, Inc., you will be unable to register that card in both Cash Back Rewards and the other Empyr, Inc. operated program. You may enroll another debit or credit card in Cash Back Rewards or deactivate your card in the other Empyr, Inc. operated program.

Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the merchant at the time of purchase and will instead be reflected as part of the aggregate amount received from Earnin. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction but may be subject to delays.

Cash Back Rewards credits cannot be processed if your debit or credit card number expires or changes while the credit is pending and not settled, or your debit or credit card account is not open or in good standing. You may not receive a credit if it is not posted by your card issuer. 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.

In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Earnin.

Earnin may choose to share a portion of its Empyr publisher fee with Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice.

Tip Yourself

This service is provided to you through a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas chartered depository institution. Evolve Bank & Trust is a member of the FDIC. All funds associated with your deposit account are held by Evolve Bank & Trust. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For more information on FDIC insurance coverage, please visit www.FDIC.gov. You may access the terms of the custodial account deposit agreement at any time here.

By enrolling in Tip Yourself, you may transfer a chosen dollar amount from your Bank Account to an account that you have with us, your Tip Yourself Account. The Tip Yourself Service allows you to better track and meet your savings goals by allowing you to authorize one-time and/or recurring transfers from your Bank Account to your Tip Yourself Account. Within your Tip Yourself Account you can track your savings towards your specific savings goals by creating different “tip jars” within your Tip Yourself Account. You can create up to 5 tip jars in your Tip Yourself Account to help you better track your personalized savings goals. You may obtain information about the balance of funds in your Tip Yourself Account at any time in the app.

Only funds from your Bank Account may be transferred to your Tip Yourself Account. You may transfer funds to your Tip Yourself Account via electronic debits from your Bank Account. If you enable “Lightning Speed”, you may fund your Tip Yourself Account in minutes with your debit card. The funds in your Tip Yourself Account are held at FDIC-insured banks for your benefit. You may not use the funds in your Tip Yourself Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Bank Account. Funds held in your Tip Yourself Account will remain in your Tip Yourself Account until you instruct us to transfer any or all of your funds from your Tip Yourself Account to your Bank Account by requesting such transfer in the app. We 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. 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. If you do not have sufficient available funds in your Tip Yourself Account to cover the amount of the requested transfer, your request for the transfer will be declined.

We may also transfer funds from your Tip Yourself Account to your Bank Account without notice to you upon the closure of your Tip Yourself Account at any time if required by applicable law or if we, in our sole discretion, suspect Tip Yourself is being used for illicit purposes or otherwise in violation of these Terms of Service.

Your Tip Yourself Account is subject (1) to a two thousand-dollar ($2,000) deposit limit, which is the same limit regardless of how many tip jars you have (any deposit that would cause your Tip Yourself Account to contain more than two thousand dollars ($2,000) will be declined); and (2) a $500 daily transfer limit.

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. 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. 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). We may use proprietary fraud and risk modeling when completing this review and assessing the risk associated with your Tip Yourself Account. This review checks for, among other things, suspicious or illegal activity, and whether your Tip Yourself Account activity complies with these Tip Terms of Service. 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. In connection with our review process, you may be required to provide us with additional information and/or documentation to verify your identity and Bank Account information. We may limit your Tip Yourself Account and your access to funds in it until such verification is completed.

By using Tip Yourself and providing user 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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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.

There are no fees or costs associated with Tip Yourself. You agree that you will not receive interest or other earnings on the funds in your Tip Yourself Account. You irrevocably transfer and assign to Earnin any and all rights that you may have to any interest that may accrue on funds held in your Tip Yourself Account. This assignment applies only to interest earned on the funds held in your Tip Yourself Account, and nothing in these Terms of Service grants us any rights to the principal of the funds held in your Tip Yourself Account.

If you do not use your Tip Yourself Account for a certain period of time, applicable law may require us to report the funds in your Tip Yourself Account as unclaimed property. If this occurs, we may try to locate you using your Profile Information. If we are unable to locate you, we may be required to deliver any funds in your Tip Yourself Account to the applicable state as unclaimed property. The specified period of time to report and deliver funds to a state varies by state, but usually ranges between two and five years.

Both of us may each terminate this Tip Yourself relationship unilaterally at any time upon notice. To close your Tip Yourself Account, please contact us by emailing support@earnin.com, using live chat with the Earnin team via the mobile app, or closing the Tip Yourself Account through the mobile app. Upon notice of termination, we will return any remaining balance in your Tip Yourself Account to your Bank Account through an ACH transfer and you will no longer be able to use your Tip Yourself Account or Tip Yourself.

YOUR USE OF THE SERVICES

You may only use the Site and Services for your own personal, non-commercial use and not on behalf of or for the benefit of any third party. Your use of the Site and the Services must comply with all applicable law. 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. We are not responsible if you use the Site and/or the Services in any manner that violates applicable law.

When you request a Cash Out, Max Boost or Balance Shield, you warrant that the earned wages being cashed out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else. You represent and warrant that you have the right to authorize us to credit and debit your Bank Account for credits you request and payments you authorize under these Terms of Service, and you agree to indemnify and hold us harmless from any claims by any other owner of the account.

DEBITS AND CREDITS

We will debit any payments authorized by you for Cash Outs, Max Boost and Balance Shield Cash Out directly from your Bank Account on the day of your next regularly scheduled paycheck. By requesting a Cash Out, Max Boost or Balance Shield Cash Out, you authorize us to electronically initiate debit and credit entries to your Bank Account; or if you link a debit card to your Earnin account, you authorize us to charge your debit card, for all payments you authorize. You agree to maintain a balance that is sufficient to fund all payments that you initiate. 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. Our failure to debit your Bank Account for repayment within a set amount of time does not constitute a waiver of our right to charge your account for such funds. We will initiate debits to your Bank Account or debit card as permitted by applicable laws and NACHA rules.

By enrolling in Tip Yourself, you authorize us to electronically debit and credit your Bank Account and Tip Jar. You are solely responsible for determining whether the funds debited from your Bank Account and the funds maintained in your Tip Yourself Account are acceptable to you.

Our authorization to initiate debit and credit entries to your Bank Account and to your Tip Yourself Account will remain in full force and effect until you revoke your authorization. If you wish to revoke your authorization, you may do so by contacting support@earnin.com or using live chat with the Earnin team via the mobile app at least three business days before the day the transaction is scheduled and stop using the Site and the Services. 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. Earnin is not responsible for any third-party fees or costs that you may incur based on the timing of authorization revocation.

If we are unable to access funds from your Bank 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. However, we will never engage in any debt collection activities if the outstanding amount is not repaid, place the outstanding amount as a debt with, or sell it to, a third party, or report to a consumer reporting agency concerning the outstanding amount.

You are responsible for funding all payments you initiate. 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.

SMS MESSAGING

You consent to receive SMS messages (including text messages), including prerecorded and artificial voice and autodialed from us, our agents, representatives, affiliates or anyone calling on our behalf at the specific number(s) you have provided to us, with service-related information such as alerts, or questions about your use of the Services and/or Earnin account. You certify, warrant and represent that the telephone number you have provided to us is your contact number and not someone else’s. You represent that you are permitted to receive text messages at the telephone number you have provided to us. You agree to promptly alert us whenever you stop using a telephone number. You may text “stop” to opt out at any time.

Standard message and data rates may apply to all SMS messages (including text messages). We may modify or terminate our SMS messaging services from time to time, for any reason, and without notice, including the right to terminate SMS messaging with or without notice, without liability to you.

MODIFICATION TO SITE OR SERVICES

We reserve the right at any time and from time to time to modify or discontinue, temporarily or permanently the Earnin Site or the Services with or without notice. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. In such event, if you are a member of the Service and such changes are material, we will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). 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.

RIGHTS YOU GRANT TO US

By submitting information, data, passwords, usernames, PINs, other log-in information, materials and other content to us through the Earnin Services, you are licensing that content to us solely for the purpose of providing such Services. Earnin may use and store the content for the purpose of providing the Service to you. By submitting this content to Earnin, you represent that you are entitled to submit it to Earnin for use for this purpose, without any obligation by us to pay any fees or other limitations.

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. We make no effort to review such information for any purpose, including, but not limited to, accuracy, legality, or non-infringement. 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. YOU ACKNOWLEDGE AND AGREE THAT WHEN EARNIN IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, EARNIN IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Services are not sponsored or endorsed by any third parties accessible through the Services.

EARNIN’S INTELLECTUAL PROPERTY RIGHTS

All content included or available in connection with the Site, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Earnin, the licensors or suppliers of Earnin and is protected by U.S. and international copyright and other intellectual property laws. You may not copy, imitate, modify or use them without our prior written consent. All rights,title and interest in the Content is hereby reserved. 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. 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.

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.

NO LEGAL, TAX, OR FINANCIAL ADVICE; ALERTS

THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. EARNIN IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. Please note that we are not a financial adviser, and the Tip Yourself services are not intended to provide financial advice. Your financial situation is unique. We are not responsible for ensuring your Bank Account has sufficient funds for your needs, purposes, or transactions. We do not make any representations, warranties, or guaranties of any kind that the Services are appropriate for you. Before using the Services, you should consider obtaining additional information and advice from a financial adviser.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. 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. 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.

DISCLAIMER OF PRESENTATION AND WARRANTIES

THE SITE, SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS, AND TIP YOURSELF, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. 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. 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, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES, INCLUDING CASH OUTS, MAX BOOST, BALANCE SHIELD, HEALTH AID, EARNIN CASH BACK REWARDS AND TIP YOURSELF IS AT YOUR SOLE RISK.

EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. EARNIN AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.

LIMITATION OF LIABILITY

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. UNLESS OTHERWISE EXPRESSLY SET FORTH IN THESE TERMS OF SERVICE, THE EARNIN PARTIES’ 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).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU.

INDEMNIFICATION OF EARNIN

To the fullest extent permitted by law, you agree to indemnify, defend and hold harmless the Earnin Parties from and against any and all claims, losses, expenses, demands or liabilities, including reasonable attorneys’ fees arising out of or relating to (i) your access to, use of or alleged use of the Site or the Services; (ii) your violation of these Terms of Service or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party.

GOVERNING LAW & FORUM FOR DISPUTES

Any past, present, or future claim, dispute, or controversy involving you (or persons claiming through or connected with you), on the one hand, and us on the other hand, relating to or arising out of this Agreement, any marketing that led to consummation of this Agreement, and/or the activities or relationships that involve, lead to, or result from this Agreement, regardless of whether they arise from contract; tort (intentional or otherwise); consumer protection laws; a constitution, statute, common law, or principles of equity; or otherwise will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. Any dispute with Earnin or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case we may seek such relief in any court with jurisdiction over the parties. 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. You also acknowledge and understand that, with respect to any dispute with Earnin, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service: YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and 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. MISCELLANEOUS

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.

You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which we have the benefit of under any applicable law), this will not be taken to be a formal waiver of our rights and that those rights or remedies will still be available to Earnin.

All covenants, agreements, representations and warranties made in these Terms of Service will survive your acceptance of these Terms of Service and the termination of these Terms of Service.

These Terms of Service represents the entire understanding and agreement between you and Earnin regarding the subject matter of the same, and supersedes all other previous agreements.

CONTACTING US

If you have questions regarding these Terms of Service or the practices of Earnin, please contact us at support@earnin.com, using live chat with the Earnin team via the mobile app, or you can send us a letter at:

Legal Department
200 Portage Ave
Palo Alto, California USA 94306

DEFINITIONS:

Bank Account- your checking account at your bank that you have linked to your Earnin account to use the Site or Services. 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. We are actively working to support more banks as we continue to grow, and we encourage you to check back at a later time to see if your bank has been added to our list.

Banking Day- means Monday through Friday, excluding federal banking holidays.

Financial Calendar- means your in-app calendar, which tracks bill reminders, daily earnings, recent Cash Outs, and when you have scheduled debits for Cash Outs.

Required Identifying Information – depending on the Service, we may require certain information to validate who you are, including but not limited to: 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 Such other information and documentation that we may require from time to time.

Verified Employer - an employer that (1) has a fixed work location in which you work out of (unfortunately at this time we are unable to support residential work locations) or an online/electronic timekeeping system at work; (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. 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. To use Automatic Earnings, we need your phone’s GPS (location services) to be on at all times, and you must have a fixed work address.

CONSENT TO RECEIVE ELECTRONIC DISCLOSURES

You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by us to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. The categories of Communications that may be provided by electronic means include: these Terms of Service and any amendments, modifications, or supplements; records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations; 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); any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and any other communication related to the Sites or Services.

You understand that, in order to view and/or retain copies of the electronic Communications, you may need a computer with an Internet connection (PCs should be running Windows 7 or higher and Internet Explorer 10 or higher, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox); a mobile device (iOS 6.0 or higher devices running Safari or Chrome; Android 4.0 or higher devices running Android Browser or Chrome). Your access to this page through your device verifies that your device meets these requirements. 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. 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. All Communications in either electronic or paper format will be considered to be "in writing." 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 you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services.

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. There are no fees to close your account with us. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

For all of Earnin Services, you agree that any form of electronic signature, including but not limited to signatures via facsimile, scanning, or electronic mail, may substitute for the original signature and shall have the same legal effect as an original signature.

ACCEPTABLE USE POLICY

As a condition of your use of the Sites and Services, you represent and warrant to us that you will not use Earnin’s Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service.

You agree that you will not:

• 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
• attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service. 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 actions we may take include the following:
• we may close, suspend, or limit your access to your account or ability to use the Sites or Services;
• we may update inaccurate information you provided us;
• we may decline to allow you to use the Sites or Services in the future;
• we may take legal action against you; however, with respect to any Cash Outs, Max Boost or Cash Out for Balance Shield, we will not engage in collection efforts to collect payments due to us, place the outstanding amount as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and
• we may hold you liable to Earnin for the amount of damages caused by your violation of these Terms of Service. 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.

DIGITAL MILLENNIUM COPYRIGHT ACT

Notice. If you are a copyright owner or an agent thereof and believe that any content posted by an Earnin Community Member user infringes upon your copyrights, you may submit a notification pursuant to the Digital Millennium Copyright Act (“DMCA”) by providing our Copyright Agent with the following information in writing (see 17 U.S.C. § 512(c)(3) for further detail):

• A physical or electronic signature of a person authorized to act on behalf of the owner of an exclusive right that is allegedly infringed;
• Identification of the copyrighted work claimed to have been infringed, or, if multiple copyrighted works at a single online site are covered by a single notification, a representative list of such works at that site;
• Identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled and information reasonably sufficient to permit the service provider to locate the material;
• Information reasonably sufficient to permit the service provider to contact you, such as an address, telephone number, and, if available, an electronic mail;
• A statement that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and

• 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. You may direct copyright infringement notifications to our DMCA Agent at:

  Earnin Compliance Team
  200 Portage Ave
  Palo Alto, CA 94306
  Telephone: (888) 510-1119
  Email: legal-notices@earnin.com

You acknowledge that if you fail to comply with all of the requirements, your DMCA notice may not be valid.

Counter-Notice. 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:

• Your physical or electronic signature;
• 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
• 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 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. Unless the copyright owner files an action seeking a court order against the content provider, member or user, the removed content may be replaced, or access to it restored, in 10 to 14 business days or more after receipt of the counter-notice, at Earnin’s sole discretion.

EARNIN USER GENERATED CONTENT - TERMS OF USE

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.

IMPORTANT NOTICE--THIS IS A BINDING CONTRACT

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. 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.

If you do not agree to these UGC Terms of Use, do not respond #YESEARNIN.

Earnin reserves the right to alter these UGC Terms of Use without advance notice by posting a revised UGC Terms of Use. Accordingly, you should review the UGC Terms of Use each time you grant permission or authorization to feature your User Generated Content.

YOU MUST BE AT LEAST 18 YEARS OF AGE AND A RESIDENT OF THE UNITED STATES OF AMERICA TO RESPOND #YESEARNIN.

Submission of Content

By responding #YESEARNIN, you are agreeing to provide Earnin with Content, such as product reviews, comments, ideas, photographs, and videos through your providing agreement through any other social media site. You may submit your Content so long as you wholly own the Content and none of the materials are illegal, obscene, threatening, defamatory, invasive of privacy, infringing on intellectual property rights or otherwise injurious to third parties or objectionable. 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."

License

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

(ii) the Content in and in connection with advertising, marketing and promoting Earnin, its products and services, or its sponsored events, in whole or in part, by any and all means, media, devices, processes and technology now or hereafter known or devised throughout the universe.

You understand and acknowledge that Earnin may modify the Content for formatting, navigational, integration or other purposes, but such modifications will not materially distort such Content.

No advertisement, promotional media, or other material in any media containing your Name and/or Likeness related to the Content need be submitted to you for any further approval for use by the Licensed Parties, and the Licensed Parties shall be without liability to you for any distortion or illusionary effect resulting from the publication of your Name and/or Likeness.

Notwithstanding the above, the Licensed Parties will have no obligation to make any use of any of the rights granted by you. Earnin’s use of the Content or your Name and/or Likeness does not imply any endorsement of or any affiliation with you.

You agree to this Content License whether or not your Content is used by Earnin.

The Licensed Parties reserve the right to remove any Content.

Copyright Policy

Earnin respects the intellectual property of others and asks that you do the same. If you believe that your Content has been copied in a way that constitutes copyright infringement, you may provide us with written notification of your claim in accordance with the requirements of the U.S. Digital Millennium Copyright Act of 1998 by emailing legal-notices@earnin.com or sending Earnin a physical notification at:

Activehours, Inc. d/b/a Earnin
Attn: Compliance Team
200 Portage Ave
Palo Alto, CA 94306

Your Representation of Ownership

For each piece of Content you submit, you acknowledge and agree that:

• you are not a minor;
• 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. 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. 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
• You agree that no confidential or fiduciary relationship is intended or created between you and Earning. To the extent that any so-called "moral rights," "neighboring rights," or similar or analogous rights apply to any User-Generated Content and are not exclusively owned by Earnin, you agree not to enforce or assign, or permit any third party to enforce or assign, any such rights.

Limitation of Liability

TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW, Earnin, ANY THIRD PARTY SUBLICENSEE OF Earnin, AND ITS AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS AND AGENTS, ARE NOT LIABLE FOR ANY DIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, INDIRECT, PUNITIVE OR SIMILAR DAMAGES ARISING OUT OF OR RESULTING FROM THESE UGC TERMS OF USE, INCLUDING WITHOUT LIMITATION, DAMAGES FOR HARM TO BUSINESS, LOST PROFITS, LOST SAVINGS, OR LOST REVENUES, HOWEVER SUCH DAMAGES ARE CAUSED AND WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER THEORY OF LIABILITY. THE FOREGOING LIMITATIONS SHALL APPLY REGARDLESS OF WHETHER YOU HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH INJURY, DAMAGES, LOSSES OR EXPENSES.

INDEMNITY & RELEASE

You agree to indemnify, defend and hold Earnin, its agents, suppliers, licensees, successors, or assigns, and/or its and their respective officers, directors, employees, contractors and agents (collectively, the "Indemnified Parties") harmless from and against any and all damages, liability, claims, actions, demands and costs (including, without limitation, reasonable attorneys’ fees and costs of settlement) arising out of any breach by you of these UGC Terms of Use.

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.

If you are a California resident, you expressly waive California Civil Code §1542, which says: "A GENERAL RELEASE DOES NOT EXTEND TO CLAIMS WHICH THE CREDITOR DOES NOT KNOW OR SUSPECT TO EXIST IN HIS FAVOR AT THE TIME OF EXECUTING THE RELEASE, WHICH IF KNOWN BY HIM MUST HAVE MATERIALLY AFFECTED HIS SETTLEMENT WITH THE DEBTOR."

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.

If requested, you will sign any documentation in such manner and at such location as may be required to protect, perfect or enforce any of the rights you have granted to Earnin under these UGC Terms of Use.

Privacy

In addition, Earnin appreciates is committed to respecting your privacy and the security of your personal information. Our Privacy Policy describes the information we collect and how we use it.

Miscellaneous

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.

These UGC Terms of Use is governed by the laws of the State of California, excluding its conflicts of law rules. You hereby consent to personal jurisdiction and venue in the state and federal courts located in the County of Santa Clara, California.

You agree that if Earnin does not exercise or enforce any legal right or remedy which is contained in these UGC Terms of Use (or which Earnin has the benefit of under any applicable law), this will not be taken to be a formal waiver of Earnin’s rights and that those rights or remedies will still be available to Earnin.

EVOLVE BANK & TRUST

CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT

Overview

Your use of the Tip Yourself Service is governed by Activehours, Inc.’s Terms of Service and the Tip Yourself Supplemental Terms of Service. This Custodial Account Authorization Agreement is provided as a supplement to the Tip Yourself Terms of Service and governs the underlying bank account that is used for your Tip Yourself Account (also known as your “Tip Jar” and referred to herein as your “Sub-Deposit Account”). You as the person that holds the Account, as defined in that certain Evolve Bank & Trust Customer Account Terms (the “Account Agreement”), hereby direct Evolve Bank & Trust, as your agent, and any of its designees, agents, representatives and affiliates (collectively, the “Bank,” “our,” “us” or “we”), as agent for you, to open and maintain in Bank’s Trust Department and/or with other depository institutions (each, an “Insured Depository Institution”) or the Federal Reserve Bank an omnibus custody account owned by the Bank, in which Bank pools the funds held by all of Activehours, Inc.’s (the “Company”) customers, for their benefit, within which you will be issued a sub-account established in your name (“Sub-Deposit Account”).

Deposits and Withdrawals

You authorize the Bank to deposit in the Sub-Deposit Account from time to time all or some moneys you may deliver to Bank from time to time for credit to the Account. 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. Bank, in its sole discretion, may divide the Account into one or more separate Sub-Deposit Accounts to be managed by Bank. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account. Bank will generally transfer the requested funds from your Sub-Deposit Account to your Checking Account within two Business Days of when we receive your request. All terms, provisions and agreements set forth in the Account Agreement are hereby incorporated herein by reference with the same force and effect as though fully set forth herein. To the extent that the terms set forth in this Custodial Account Authorization Agreement are inconsistent with the terms of the Account Agreement as it relates to the Sub-Account, the terms set forth in this Custodial Account Authorization Agreement shall apply. Terms not defined herein have the same meanings as set forth in the Account Agreement. Only funds from your Checking Account may be transferred to your Sub-Deposit Account. Funds held in your Sub-Deposit Account will remain in your Sub-Deposit Account until you instruct us to transfer any or all of your funds from your Sub-Deposit Account to your Checking Account by requesting such transfer.

No Third-Party Payments

You may not use the funds in your Sub-Deposit Account to make purchases, transfer funds to third parties, or for any other purpose other than to withdraw such funds to your linked Checking Account.

Customer Maximum Deposit Limit

You shall be prohibited from maintaining an aggregate balance in your Sub-Deposit Account in excess of two thousand dollars ($2,000) at any given time. Your Sub-Deposit Account will also have a daily maximum transfer limit of five hundred dollars ($500).

Right to Refuse Deposits or Withdrawals

Bank may, in its sole discretion, refuse to accept funds for deposit to your Sub-Deposit Account for any reason. Bank will transfer funds it receives from you to or from each Sub-Deposit Account in its sole discretion, and will, in its sole discretion, determine the amount of funds to deposit in and withdraw from each Sub-Deposit Account.

No Overdrafts

You are not permitted to make withdrawals that exceed the balance of funds in your Sub-Deposit Account. 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. If you do not have sufficient available funds in your Sub-Deposit Account to cover the amount of the requested transfer, your request for the transfer will be declined.

No Financial Advice

You hereby appoint Bank as your agent and custodian, subject to the terms set forth herein. We are not, however, acting as your financial adviser. The owner of the Sub-Deposit Account is Bank as agent and custodian for you.

Fees and Interest

You will not be charged a fee for Bank’s placement of your funds or in connection with the Sub-Deposit Account. Bank performs all account deposits and withdrawals. You agree that you will not receive interest or other earnings on the funds in your Sub-Deposit Account.

FDIC Insurance Coverage

You further authorize us to collect for you payments related to a Sub-Deposit Account, and to execute and deliver or file on your behalf all appropriate receipts, agreements, releases and other instruments, including whatever agreements may be required to establish and maintain the Sub-Deposit Account or to establish your ownership interest in the Sub-Deposit Account. Deposit accounts and banking services are provided by Evolve Bank & Trust, member FDIC. All funds associated with your deposit account are held by Evolve Bank & Trust. Deposit accounts are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. For more information on FDIC insurance coverage, please visit www.FDIC.gov. The funds deposited in the Sub-Deposit Account will be FDIC insured to the same extent as if such funds were held in the Account with us and shall be aggregated with deposits maintained in your Account with us. In other words, the depositing of your funds into the Sub-Deposit Account will not otherwise increase your FDIC deposit insurance coverage.

The Sub-Deposit Account will be established at an Insured Depository Institution that has entered into agreements with Bank or the Bank’s Trust Department or Federal Reserve Bank.

Opt-Out Procedure

Your only rights with respect to the Sub-Deposit Account are to demand we repay you all amounts in your Account, including those transferred to the Sub-Deposit Account, and to terminate this Custodial Account Authorization Agreement, as set forth below. The Sub-Deposit Account may not be transferred to another institution, except by us or the Insured Depository Institution.

You may terminate our role as your agent and custodian and our ability to deposit funds you provide us in the Sub-Deposit Account by providing us with thirty (30) days’ prior written notice, such notice to be sent to Evolve Bank & Trust 6070 Poplar Avenue, 2nd Floor, Memphis, TN 38119. Any termination will result in a return of funds in accordance with law and closing of your Account and any Sub-Deposit Account opened specifically for you.

Account Records

When we open the Sub-Deposit Account and deposit or withdraw funds from the Sub-Deposit Account, you understand and agree that we are acting as your agent with respect to the Sub-Deposit Account, and we will ensure the records associated with the Sub-Deposit Account are in our name, as agent or custodian. 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. You must immediately report to us any changes in Account ownership information that you originally provided to us in connection with the submission of your application for an Account.

Deposit Accounts and Reporting Obligations

Our placing of funds may reflect considerations of federal and state law, our funding needs and funding needs of Insured Depository Institutions, general economic conditions or other factors determined by us in our sole discretion. We will not place funds with more than one Insured Depository Institution. We may place funds to enhance our business objectives and for balance sheet management without any benefit to you, including increased FDIC deposit insurance coverage. Further, we may receive greater benefits when we place your funds with an Insured Depository Institution than if we otherwise maintained your funds with us. We are under no obligation to place your funds with an Insured Depository Institution. A Sub-Deposit Account will be a deposit obligation of the Insured Depository Institution that maintains the Sub-Deposit Account; provided, this does not modify our obligation to repay all amounts you deposited in your Account.

We may provide your name, tax identification number and other pertinent identifying information to Insured Depository Institution, and other parties providing services in connection with the placement of your funds and the establishing and holding the Sub-Deposit Account. You hereby consent to such release of information. Nothing in this section shall be deemed to prevent us from disclosing information to a third party if required by law.

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. 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. These transfers, including the placement transfer, will not appear on your monthly statement.

Termination

This Custodial Account Authorization Agreement shall remain in full force and effect until the Account Agreement terminates or as otherwise terminated by Bank in its sole discretion. This Custodial Account Authorization Agreement shall be binding upon and inure to the benefit of the parties hereto and their respective successors and assigns; provided, however, you may not assign this agreement to any person without Bank’s written consent.

Indemnification

You, to the extent permitted by law, agree to indemnify Bank from and against any and all claims, losses and liabilities growing out of or resulting from this Custodial Account Authorization Agreement. The Bank shall promptly notify you of any claim, loss or liability as to which indemnification is sought. You shall have the right in each case at your sole expense to investigate, and the right in your sole discretion to defend or compromise any claim, loss or liability for which indemnification is sought. If any action, suit or proceeding is brought against Bank in connection with any claim, loss or liability that is subject to indemnity hereunder, you may and, upon Bank’s request will, at your expense resist and defend such action, suit or proceeding, or cause the same to be resisted or defended by counsel selected by the you and reasonably acceptable to Bank.

Governing Law and Venue

THIS AGREEMENT SHALL BE GOVERNED BY, AND CONSTRUED AND INTERPRETED IN ACCORDANCE WITH, THE LAW OF THE STATE OF TENNESSEE APPLICABLE TO CONTRACTS MADE AND TO BE PERFORMED IN THE STATE OF TENNESSEE. IN THE EVENT THAT ANY PROVISION OF THIS AGREEMENT IS HELD BY A COURT OF COMPETENT JURISDICTION TO BE INVALID, UNENFORCEABLE OR VIOLATIVE OF ANY APPLICABLE LAW, IT SHALL BE DEEMED NULL AND VOID TO THE EXTENT THEREOF WITHOUT AFFECTING THE BALANCE OF THIS CUSTODIAL ACCOUNT AUTHORIZATION AGREEMENT.

(Last Updated August 19, 2019)

These terms of service ("Terms of Service") constitute a legal agreement between you and Activehours, Inc., (“Activehours”) a Delaware corporation, and govern use of the Site and the Services and your use of the Site and the Services. As used in these Terms of Service, the words "you" and "your" refer to you, the user of Activehours’s website, device, or applications, as the party agreeing to these Terms of Service. The words "we", "us", "our" and any other variation thereof refer to Activehours. Any reference to "Activehours" in this document includes our directors, officers, employees, contractors, owners, agents, licensors, or licensees. As used in these Terms of Service, the term "Site" includes all websites and all devices or applications that 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. 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.

1. Overview
2. Acceptance of Terms
3. Privacy and your Personal Information
4. Registration Information
5. Accuracy of and Changes to your Information
6. Disclosure and Consent to Electronic Communications
7. Services and Eligibility
8. Credits
9. Your Use of the Services
10. Modification to Site or Terms and Services
11. Rights You Grant to Us
12. No Unlawful or Prohibited Use
13. Activehours's Intellectual Property Rights
14. Disclaimer of Presentation and Warranties
15. Limitation of Liability
16. Indemnification of Activehours
17. Governing Law & Forum for Disputes
18. Miscellaneous

1. Overview

Pay Outs. Activehours offers various tools and functions through the Sites (the "Services"), that can enable you to assess the value of your accrued pay and to access such earned wages prior to payday by obtaining a payout from Activehours (each, a “Pay Out”).

Balance Shield. Activehours also allows you to access earned wages prior to payday in order to help you minimize overdrafts by automatically sending you a payout between $.01 and $100 every time we see that your bank account balance has fallen below $100 (“Balance Shield”).

Health Aid. Activehours also allows you to submit your medical bills (including, medical, dental and vision) to Activehours’s medical billing negotiators to negotiate lower payment options with your medical providers (“Health Aid,” formerly known as “MediPal”). 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.

Earnin Cash Back Rewards. Activehours also allows you to receive cashback in the form of credit issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants as further described below (“Earnin Cash Back Rewards”). Rewards will be available to payout 3-5 days after making a Qualified Purchase and each payout will take an additional 3-5 days to be reflected in your associated bank account. A “Qualified Purchase” is a purchase from a participating merchant using your registered card in accordance with the terms of the Offer and these Terms. An "Offer" is the cashback 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 with the offer. There is a $250 cashback limit per transaction.

No Fees or Charges. You are not required to pay any fees or charges to use the Services. There are no fees to obtain a Pay Out, receive a payout for Balance Shield, use Health Aid, or use Earnin Cash Back Rewards. You may make voluntary additional payments in appreciation of the services rendered, but you are not required to pay any charge or fee to be eligible to receive or in return for receiving the Services. These voluntary additional payments help fund Activehours.

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. If your payout under Balance Shield is less than $100, your voluntary additional payment amount will be prorated based on the amount of money that Balance Shield cashes out. You can turn Balance Shield on or off, and/or edit your pre-selected voluntary payment amount at any time. We will also send you an annual reminder informing you that Balance Shield is still turned on and of the preselected voluntary payment amount you chose.

No Obligation to Repay. We will have no legal or contractual claim or remedy against you based on your failure to repay, however, if we are unable to access funds from your bank account to complete a payment that you authorized Activehours to take, you will be prevented from using the Services until you pay any outstanding authorized payment to Activehours. Activehours will not engage in any debt collection activities if the payout is not repaid on the scheduled date, place the payout as a debt with or sell it to a third party, or report to a consumer reporting agency concerning the amount of the payout.

2. Acceptance of Terms

PLEASE READ THESE TERMS OF SERVICE CAREFULLY. BY ACCESSING OR USING THE SITE OR THE SERVICES, OR ENROLLING IN EARNIN CASH BACK REWARDS YOU AGREE TO BE BOUND BY THE TERMS OF SERVICE. IF YOU DO NOT WISH TO BE BOUND BY THESE TERMS OF SERVICE, YOU MAY NOT ENROLL IN EARNIN CASH BACK REWARDS, ACCESS OR USE THE SITE OR THE SERVICES. You may not enroll in Earnin Cash Back Rewards or use the Site or Services, or accept these Terms of Service, if (a) you are not of legal age to form a binding contract with Activehours; (b) you are prohibited by law from receiving or using the Services; or (c) you are not a U.S. resident.

Activehours may modify this Terms of Service from time to time. Any and all changes to these Terms of Service will be posted on the Activehours.com site. The Terms of Service will always indicate the date it was last revised. In addition, we will send you an in-app notification or email informing you of any material changes in the Terms of Service prior to posting those changes. When you use the Service after those changes are posted, you are deemed to have accepted the new Terms of Service and agree to be bound by any changes to the Terms of Service.

3. Privacy and your Personal Information

For information about Activehours’s data protection practices, please read Activehours's Privacy Policy, which is hereby incorporated into this Terms of Service. This policy explains how Activehours treats your personal information when you use the Service. The policy may be updated from time to time at our discretion. Changes will be effective upon posting to the site.

You may opt-out of Earnin Cash Back Rewards at any time by following the instructions below.

To opt out of our program and unlink your cards, you must follow the steps below:

1. Go to Cash Back Rewards
2. Click on “unenroll”
3. Confirm you want to unenroll card
4. You must repeat this process for every card you wish to delete

4. Registration Information

You agree and understand that you are responsible for maintaining the confidentiality of the combination of your Login ID and password, which together allow you to access the Services, and access Earnin Cash Back Rewards . That Login ID and password, together with any account information, mobile number or other contact information you provide form your "Registration Information."

If you believe that your Registration Information or a device that you use to access any Site has been lost or stolen, that someone is using your account without your permission, or that an unauthorized transaction has occurred, you must notify us IMMEDIATELY at support@earnin.com.

5. Accuracy of and Changes to your Information

You agree to provide accurate profile information, including, as applicable, your name, physical address, email address and Account Information (“Profile Information”). You further agree to promptly update all your Profile Information whenever the information provided to us is no longer accurate. You can update your information by clicking on the settings link after you login. If you need help in changing your information, please email us at support@earnin.com. 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.

6. Disclosure and Consent to Electronic Communications

You understand and agree that you are entering into these Terms of Service electronically and that certain categories of information ("Communications") may be provided by Activehours to you by electronic means (i.e., via email, through the Service by displaying links to notices generally on the Site, or to your mobile device), unless and until you withdraw your consent as described below. The categories of Communications that may be provided by electronic means include:

• these Terms of Service and any amendments, modifications, or supplements;
• records of any payment and other transactions you handle through the Sites or Services, including payment histories and transaction confirmations;
• 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);
• any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services; and
• any other communication related to the Sites or Services.

Your access to this page through your device verifies that your device meets these requirements.

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. All Communications in either electronic or paper format will be considered to be "in writing." 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 you do not wish to receive these Terms of Service or the Communications electronically, you may not use the Sites or Services.

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 and stop using the Sites and Services. There are no fees to close your account with us. Any withdrawal of your consent to receive electronic Communications will be effective only after we have a reasonable period of time to process your withdrawal.

We reserve the right, in our sole discretion, to discontinue the provision of your electronic Communications, or to terminate or change the terms and conditions on which we provide electronic Communications. We will provide you with notice of any such termination or change as required by law.

7. Service

Pay Outs. Activehours offers various tools and functions through the Sites, that can enable you to assess the value of your accrued pay and to access such earned wages prior to payday by obtaining a payout from Activehours (each, a “Pay Out”).

We may limit the total number Pay Outs that you may receive at any given time or over a period of time. We may decline to extend a Pay Out to you if we reasonably believe such refusal is necessary or advisable for legal or security reasons or to protect the Services. If you generally fail to maintain a balance in your bank account that is sufficient to cover your repayment of a Pay Out, we may decline to allow you to obtain a Pay Out for as long as we determine to be necessary or appropriate.

Balance Shield. Activehours also allows you to access earned wages prior to payday in order to help you minimize overdrafts by automatically sending you a payout between $.01 and $100 every time we see that your bank account balance has fallen below $100 (“Balance Shield”). We may limit the amount we send you for Balance Shield at any given time or over a period of time. 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. If you’ve already reached your Daily Max or Pay Period Max we may decline to send you a payout under Balance Shield. We may also decline to send you a payout under Balance Shield if you don’t have earnings added to your account, or if we were unable to connect to your bank account, or if your account is on hold.

Health Aid. Activehours offers Health Aid (formerly known as “MediPal”) to allow you to submit your medical bills (including, medical, dental and vision) to Activehours’s medical billing negotiators to negotiate lower payment options with your medical providers. Not all medical bills are eligible for Medical Bill Review. 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. Activehours provides its Medical Bill Review Service for informational purposes only. Activehours does 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 its Medical Bill Review service.

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. By using Medical Bill Review, you further authorize Activehours to speak to your medical provider, or their representatives, on your behalf about the contents of the documents you submitted for Medical Bill Review. By using Medical Bill Review, you also agree to waive any rights you may have to prevent Activehours 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.

Earnin Cash Back Rewards. Activehours offers Earnin Cash Back Rewards to allow you to receive cashback in the form of statement credits issued to you through your debit card or bank account within 10 days of when you make a Qualified Purchase at participating merchants. Rewards will be available to payout 3-5 days after making a Qualified Purchase and each payout will take an additional 3-5 days to be reflected in your associated bank account. A "Qualified Purchase" is a purchase from a participating merchant using your registered card in accordance with the terms of the Offer and these Terms. An "Offer" is the cashback 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 with the offer. There is a $250 cashback limit per transaction.

Not all Visa, MasterCard, and American Express cards are eligible for registration. Visa, MasterCard, and American Express Corporate cards, Visa, MasterCard, and American Express Purchasing cards, non-reloadable prepaid cards, government-administered prepaid cards (including EBT cards), healthcare (including Health Savings Account (HSA) or Flexible Spending Account (FSA) or insurance prepaid cards, Visa Buxx, and Visa-, MasterCard-, and American Express-branded cards whose transactions are not processed through the Visa U.S.A payment system, MasterCard payment system, and/or American Express payment system are not eligible to participate.

Not all transactions with your registered Visa, MasterCard and American Express card are tracked by Visa, MasterCard and American Express. You acknowledge that Visa, MasterCard, and American Express may be unable to monitor every transaction made with your enrolled Visa, MasterCard, or American Express card, including PIN-based purchases, purchases you initiate through identification technology that substitutes for a PIN, payments made through other payment methods (such as a digital wallet or a third party payment app, where you may choose your Visa, MasterCard, or American Express card as a funding source but you do not present your card directly to the merchant), payments of existing balances, balance transfers, or transactions that are not processed or submitted through the Visa U.S.A., MasterCard, and American Express payment systems, and that these transactions are not eligible.

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. 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.

Please note that we use Empyr, Inc. as our service provider to help us operate our program. Your payment card may only be enrolled in one program operated by Empyr, Inc. 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. You may enroll another payment card in Earnin Cash Back Rewards or deactivate your card in the other Empyr, Inc.-operated program.

8. Credits

Earnin Cash Back Rewards statement credits will not appear or be reflected on your transaction receipt from the Merchant at the time of purchase, and will instead be reflected as part of the aggregate amount received from Earnin. Subject to eligibility verification and settlement of the Qualifying Transaction, statement credits will typically appear as part of your Earnin balance within approximately 10 days of the qualifying transaction, but may be subject to delays.

Earnin Cash Back Rewards Statement credits cannot be processed if your card number expires or changes while the statement credit is pending and not settled, or your card account is not open or in good standing. You may not receive a statement credit if it is not posted by your card issuer. 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.

In no event will the applicable card network be considered as maintaining any type of financial obligation or deposit or other asset account, or holding funds or other value for you for distribution to you. Any pending statement credits and any associated dollar values represent offer fulfillment amounts in process owed by the applicable merchant, and not your funds or balances maintained or held by the payment card network or Activehours.

Earnin may choose to share a portion of its Empyr publisher fee with Earnin Cash Back Rewards customers, but is not required to share any portion and may cease sharing its portion at any time, with or without notice.

9. Your Use of the Services

Your right to access and use the Sites and use the Services is personal to you and is not transferable by you to any other person or entity, and you may only access and use the Sites and Services for lawful purposes.

When you request a Pay Out or turn on Balance Shield, you warrant that the earned wages being paid out are just and due to you and that you have not received payment for such wages or any part of the wages from anyone else.

We will recoup payment for Pay Outs or a payout for Balance Shield directly from your bank account upon deposit of your next paycheck. By requesting a Pay Out or turning on Balance Shield, you authorize us to initiate debit and credit entries to your bank account, or if you link a debit card to your account, you authorize us to charge your debit card, for all payments due to us. You agree to maintain a balance that is sufficient to fund all payments you initiate. Activehours reserves 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 are expected to deposit into your account; however, Activehours will attempt to avoid charging your bank account if we believe your bank account does not contain sufficient funds to cover repayment of a Pay Out or payout for Balance Shield in the pay period. Our failure to charge your bank account for repayment of a Pay Out or payout for Balance Shield within a set amount of time does not constitute a waiver of our right to charge your account for such funds. You represent and warrant that you have the right to authorize us to charge your account for payments due to us under these Terms. You will indemnify and hold Activehours harmless from any claims by any other owner of the account.

Activehours’ authorization to initiate debit and credit entries to your bank account will remain in full force and effect until you revoke your authorization. If you wish to revoke your authorization, you may do so by contacting support@earnin.com at least three business days before the day the transaction is scheduled and stop using the Sites and the Services. 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 Activehours. You are responsible for any costs or damages related to the timing of authorization revocation.

If we are unable to access funds from your bank account to complete a payment that is owed to Activehours, we will have no legal or contractual claim or remedy against you based on your failure to repay, however, you will be prevented from using the Services until you repay any outstanding balance owed to Activehours. Activehours will not engage in any debt collection activities if the payout is not repaid on the scheduled date, place the payout 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 further agree that:

• you will reimburse Activehours for any fees imposed on us as a result of the failed transaction; and
• you will reimburse Activehours for any fees we incur in attempting to debit the amount of the failed transaction from you.

Activehours is not responsible for any overdraft fees, over-the-limit fees, or insufficient fund charges (including finance charges, late fees, or similar charges) that result from your failure to maintain a balance or available credit in the bank account that is sufficient to fund all payments you initiate.

Accurate records enable us to provide the Sites and Services to you. You must provide true, accurate, current, and complete information about your accounts maintained at Third Party Sites (“Account Information”), and you may not misrepresent any Account Information. In order for the Services to function effectively, you must also keep your Account Information up to date and accurate. If you do not do this, the accuracy and effectiveness of the Services provided to you will be affected. You represent that you are a legal owner of, and that you are authorized to provide us with, all Account Information and other information necessary to facilitate your use of the Services.

In order to allow you to use certain Services, we may be required to verify your identity. You authorize us to make any inquiries we consider necessary to validate your identity. These inquiries may include asking you for further information, requiring you to provide a taxpayer identification number, requiring you to take steps to confirm ownership of your email address or financial instruments, ordering a credit report, or verifying information you provide against third party databases or through other sources. If you do not provide this information or we cannot verify your identity, we can decline to allow you to use the Services.

Your access and use of the Sites or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that Activehours, in its sole discretion, may elect to take. In no event will Activehours be liable to any party for any loss, cost, or damage that results from any period of downtime of the Sites or Services.

10. Modification to Site or Services

Activehours reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice, including Pay Outs, Balance Shield, Medical Bill Review and Earnin Cash Back Rewards. We reserve the right to change the Services and Terms of Service, including applicable fees, in our sole discretion and from time to time. In such event, if you are a member to the Service, we will provide notice to you. If you do not agree to the changes after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that Activehours will not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Sites or Services.

11. Rights You Grant to Us

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. Activehours may use and store the content for the purpose of providing the Service to you. 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.

By using the Service, you expressly authorize Activehours to access your Account Information maintained by identified third parties, including but not limited to your bank, on your behalf as your agent. Activehours will submit information including usernames and passwords that you provide to log you into the site. You hereby authorize and permit Activehours to use and store information submitted by you to the Service (such as account passwords and usernames) to accomplish the foregoing and to configure the Service so that it is compatible with the third party sites for which you submit your information. For purposes of these Terms of Service and solely to provide the Account Information to you as part of the Service, you grant Activehours a limited power of attorney, and appoint Activehours as your attorney-in-fact and agent, to access third party sites, retrieve and use your information with the full power and authority to do and perform each thing necessary in connection with such activities, as you could do in person. YOU ACKNOWLEDGE AND AGREE THAT WHEN Activehours IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SITES, Activehours IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD PARTY. You understand and agree that the Service is not sponsored or endorsed by any third parties accessible through the Service.

12. No Unlawful or Prohibited Use

As a condition of your use of the Sites and Services, you represent and warrant to Activehours that you will not use the Sites or Services for any purpose that is unlawful or prohibited by these Terms of Service.

You agree that you will not:

• request a Pay Out or use Balance Shield 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 Activehours 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
• attempt to decipher, decompile, disassemble, or reverse-engineer any of the software comprising or in any way making up a part of the Site or the Service.

If Activehours, in its sole discretion, believes that you may have engaged in any activities restricted by these Terms of Service or by law, we may take various actions to protect Activehours, other users, and other third parties from fees, fines, penalties, and any other liability. The actions we may take include the following:

• we may close, suspend, or limit your access to your account or ability to use the Sites or Services;
• we may update inaccurate information you provided us;
• we may decline to allow you to use the Sites or Services in the future;
• we may take legal action against you; however, with respect to any Pay Outs or payout for Balance Shield, Activehours will not engage in collection efforts to collect payments due to us, place the amount paid out as a debt with, or sell it to, any third party, or report your repayment history to a credit bureau or other consumer reporting agency; and
• we may hold you liable to Activehours for the amount of Activehours's damages caused by your violation of these Terms of Service.

Activehours, 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.

13. Activehours's Intellectual Property Rights

All content included or available in connection with the Sites, including any and all materials, information, text, data, contents, names, trade names, trademarks, trade dress, service marks, layout, logos, designs, images, graphics, illustrations, artwork, icons, photographs, displays, sound, music, video, animation, organization, assembly, arrangement, interfaces, databases, technology, and all intellectual property of any kind whatsoever (collectively, the "Content") and the selection and arrangement thereof is owned exclusively by Activehours or the licensors or suppliers of Activehours and is protected by U.S. and international copyright and other intellectual property laws. All rights are hereby reserved. Without limiting the foregoing, no Content on the Sites may be copied, reproduced, duplicated, published, or distributed in any form or by any means whatsoever without the express prior written permission of Activehours or the appropriate licensor or supplier.

Any feedback, questions, comments, suggestions, ideas, or the like that you send to Activehours will be treated as being non-confidential and nonproprietary, and Activehours will be free to use such information for any purpose whatsoever including developing, manufacturing, and marketing products and services incorporating the information.

14. Disclaimer of Presentation and Warranties

THE SITES, SERVICES, INCLUDING Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN "AS IS" AND "AS AVAILABLE" BASIS. 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 NON‐INFRINGEMENT. Activehours 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 Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards. 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.

Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR A PARTICULAR PURPOSE. Activehours AND ITS AFFILIATES, LICENSORS AND SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS AND PAYMENT PROCESSORS) MAKE NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE, SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION.

THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. Activehours IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. 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. Before making any final decisions or implementing any financial strategy, you should consider obtaining additional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances.

Activehours does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information. Any information made available through the Services will only reflect the information that we most recently accessed, and as such, may not reflect activity that occurred after we last accessed the applicable Third Party Site or any pending transactions.

You understand and agree that any alerts provided to you through the Services may be delayed or prevented by a variety of factors. Activehours 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. Activehours 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.

15. Limitation of Liability

UNDER NO CIRCUMSTANCES WILL Activehours OR ITS AFFILIATES, CONTRACTORS, EMPLOYEES, AGENTS, OR THIRD PARTY PARTNERS OR SUPPLIERS (INCLUDING PAYMENT CARD NETWORKS OR PAYMENT PROCESSORS) 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 Pay Outs, Balance Shield, Medical Bill Review, and Earnin Cash Back Rewards, 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 Activehours HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. 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).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH STATES LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS OF THIS SECTIONS AND THE PREVIOUS SECTION MAY NOT APPLY TO YOU.

16. Indemnification of Activehours

You will defend, indemnify and hold harmless Activehours and its officers, directors, shareholders, and employees, from and against all claims and expenses, including but not limited to attorney’s fees, in whole or in part arising out of or attributable to any breach of these Terms of Service by you.

17. Governing Law & Forum for Disputes

These Terms of Service, and your relationship with Activehours under these Terms of Service, will be governed by the laws of the State of California without regard to its conflict or choice of laws provisions. Any dispute with Activehours, or its officers, directors, employees, agents or affiliates, arising under or in relation to these Terms of Service will be resolved exclusively through the small-claims court of the Superior Court of California within the county of Santa Clara, California, except with respect to imminent harm requiring temporary or preliminary injunctive relief in which case Activehours may seek such relief in any court with jurisdiction over the parties. You understand that, in return for agreement to this provision, Activehours 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.

You also acknowledge and understand that, with respect to any dispute with Activehours, its officers, directors, employees, agents or affiliates, arising out of or relating to your use of the Service or these Terms of Service:

• YOU ARE GIVING UP YOUR RIGHT TO HAVE A TRIAL BY JURY; and
• 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.

18. Miscellaneous

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.

You agree that if Activehours does not exercise or enforce any legal right or remedy which is contained in these Terms of Service (or which Activehours has the benefit of under any applicable law), this will not be taken to be a formal waiver of Activehours's rights and that those rights or remedies will still be available to Activehours.

All covenants, agreements, representations and warranties made in these Terms of Service will survive your acceptance of these Terms of Service and the termination of these Terms of Service.

These Terms of Service represents the entire understanding and agreement between you and Activehours regarding the subject matter of the same, and supersedes all other previous agreements.

At ActiveHours, Inc. d/b/a Earnin (“Earnin”), we are building a financial system that works for people and is based on our goal to be fair and transparent. The purpose of this Privacy Policy is for you to understand how we collect and use your information, your privacy rights, and what information Earnin is required to keep. Please visit the California Consumer Privacy Act section of this Privacy Policy for more information about rights you may have under California law. You may also contact us with any privacy related questions you may have.

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. These third-party services are governed by the third party’s privacy policy. For more information, see the “Information from Third Parties” Section.

Summary of Information We Collect
Introduction
Collection of Personally Identifiable Information
  Information You Provide
  Information We Collect Automatically
  Information from Third Parties
  Service Specific Collection of Information:
    Advocacy
    Cash Back Rewards
    Earnin Express
    Financial Calendar
    Health Aid
    Max Boost
    Pay It Forward
    Tip Yourself
  Non-Personally Identifiable Information (Aggregated and Anonymized Data)
How We Use The Information We Collect
Information We Share
Do Not Track Signals
Security
Push Notifications, Email and SMS Communications
Collection of Information from Children
General Information
Specific Rights
  California Consumer Privacy Act
    How can I request my data from Earnin?
    How can I request that Earnin delete my data?
 Shine the Light
 Nevada State Bill 220

How Earnin uses Personal Identifiable Information

Introduction

At Earnin, we believe that visitors to the Earnin website and/or mobile application (“Visitors”) and Earnin Community Members (“Community Members,”) (herein, Visitors and Community Members are collectively referred to as “you” or “your”) deserve clarity and transparency as to how Earnin uses Personally Identifiable Information.

Throughout this Privacy Policy, Earnin uses the term “Personally Identifiable Information” (PII) to describe information that can be associated with you and/or identify you. Personally Identifiable Information does not include information that has been aggregated, de-identified, or anonymized so it does not identify you.

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, and such Personally Identifiable Information is not subject to this Privacy Policy.

This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of:

1. our website located at: https://www.earnin.com, and all of our other websites where this Privacy Policy is posted (collectively the “Website”);
2. our mobile application (herein “Application” or “App”); (the Website and App are collectively referred to as (“Earnin Site”) and
3. any services, content, and/or features made available by us through the Website or App (“Services”).

Please also read our Terms of Service which sets out the terms governing the Earnin Site and Services. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service.

1. Collection of Personally Identifiable Information

Earnin collects Personally Identifiable Information when you use the Earnin Site and Services. This Personally Identifiable Information helps us deliver and improve the Earnin Site and Services. We receive information in a few different ways:

A. information you provide;
B. information Earnin collects automatically;
C. information Earnin collect from third parties; and
D. information collected when you use specific Earnin services.

A. Information You Provide

In general, you can visit the Website and download the App without telling us who you are or sharing any Personally Identifiable Information with Earnin. In some circumstances, we may work with third parties to provide services on our Website. These Third Parties may place their own cookies to collect information about your activities on our Website and/or the advertisements you have clicked on.

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:

• first and last name (including legal names);
• e-mail address;
• home address;
• work address;
• date of birth;
• employer;
• whether you are employed, unemployed, or furloughed;
• Social Security Number or Individual Taxpayer Identification Number;
• Government Identification Number;
• Driver’s License information or other state identification;
• A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request;
• a phone number, a text-enabled cellular or wireless telephone number; and/or
• a password and/or pin.

In order to use the Services, Community Members may be required to provide us with Bank Account information. 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. 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. You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. You may not provide us credentials or access accounts that are held by anyone other than you.

When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information the third party vendors provide to enhance your use of the Earnin Services. More information about how we use this third party information can be found in the Information from Third Parties Section. The authorization will remain in effect until you update this information in the App. Removing your Bank Account may affect your ability to receive the Earnin Services.

Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. However, you must contact us directly in order to correct certain information, such as your email address.

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. Unless otherwise required by applicable law, Earnin is under no obligation to store such Personally Identifiable Information indefinitely and disclaims any liability arising out of, or related to, the destruction of such Personally Identifiable Information.

If you choose, you may add your contacts’ information into the App by connecting your contacts from your mobile device to the App. If you choose to share your contacts with Earnin, Earnin will, in accordance with your instructions, access and store your contacts’ information in order to identify connections and help you connect with them.

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.

B. Information We Collect Automatically

Earnin may automatically collect the information in this Section about your use of the Earnin Site and Services. This information may be collected through cookies, web beacons, log files and other technologies. This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you.

1. Usage Information: Generally, Earnin collects usage information when you use the Earnin Site and Service such as how many times you visit our Website or App and how often you use the Earnin Services. This type of aggregate data enables us, and if applicable, third parties authorized by us, to determine how often parts of the Services are used so that we can analyze and improve those Services. Earnin may also use recency and frequency scores to create advertising and outreach tailored to you.
2. Location: Earnin collects and processes location information when you sign up for and use the Services. For example, we track your device location to understand when you go to work and leave work in order to calculate your earnings for Cash Out, to provide you with and allow you to share information about events you may be interested in and provide specific products and communications relevant to your location. This may result in Earnin using your location when you do not have the App open. You can stop sharing your device location at any time by adjusting your device settings. However, if you do not agree to our collection of location Information, our Services (e.g., Cash Out and Cash Back Rewards) may not properly function when you try to use them. Earnin will also use SCF (the first three digits of your postal code) to send you personalized communications, and provide information for the Earnin Services (e.g., Cash Back Rewards Advocacy Programs).
3. Device Identifiers: When you use the mobile version of our Website and our App, we may collect unique device identifiers assigned to that device, such as device type, machine or mobile device identification number, by phone makers, carriers, and/or makers of the operating system (“Device ID”). We may also collect time zones, language setting, and mobile network information. Device ID information allows Earnin developers to uniquely identify your device for the purpose of storing application preferences and other data.
4. Technical and Navigational Information: Earnin may collect your computer or mobile browser type, Internet Protocol address, pages visited, average time spent on the App and/or Website and standard web log information, such as your browser type traffic. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
5. Cookies: Earnin uses cookies to enable our servers to recognize your web browser and explain to us how and when you use the Website. Cookies are small data files stored on your computer or device when you access a website. Your browser stores cookies in a manner associated with each website you visit. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. It may be possible to disable some cookies through your device or browser settings. Please note, however, that certain features of our Website may not be available if cookies are disabled.
6. Software Development Kits (SDKs). SDKs allow Earnin to transfer or collect information through a server request. Earnin uses SDKs on the App to help provide the Services. For example, we use SDKs for the following purposes: client/server communication, analytics, push notifications, logging, customer support, application stability tracking or advanced user interface widgets.
7. Web Beacons: Earnin may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or Messages. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.

C. Information from Third Parties

We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or to offer you opportunities to use new Services or features that we believe may be of interest to you. 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. Excluding Personally Identifiable Information described in the preceding sentence, to the extent other third party information, is combined with the data Earnin collects through the Services, will be subject to this Privacy Policy.

1. Capital One (“Capital One”). If applicable, Earnin may use Capital One to gather your account transaction data from Capital One. By using our Services, you authorize Earnin and Capital One to access and transmit your personal and financial information from Capital One. You agree to your personal and financial information being transferred, stored, and processed by Capital One in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
2. Evolve Bank & Trust. Earnin has partnered with Evolve Bank & Trust to provide consumers with certain deposit and financial services. Earnin collects your Account Number and other Personally Identifiable Information from and on behalf of Evolve Bank & Trust. All data collected or provided to Earnin by or on behalf of Evolve Bank & Trust in connection with Tip Yourself or Earnin Express is governed by Evolve Bank & Trust’s Privacy Policy.
3. Fincity (“Fincity”). If applicable, Earnin may use Fincity to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Fincity to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Fincity in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
4. Plaid Inc. (“Plaid”). If applicable, Earnin may use Plaid to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Plaid to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with its Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
5. MX Technologies (“MX”). If applicable, Earnin may use MX to gather your account transaction data from financial services. By using our Services, you authorize Earnin and MX to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
6. TabaPay, Inc. (“TabaPay”). If applicable, Earnin may use TabaPay for the Lightning Speed feature. By linking using the Lightning Speed feature, you authorize us to send your Personally Identifiable Information, including but not limited to the debit card information, bank routing and account numbers to Tabapay for the purpose of facilitating Lightning Speed. Any such Personally Identifiable Information may be collected and processed by Tabapay in accordance with its Privacy Policy.
7. Wells Fargo Bank, NA (“Wells Fargo”) If applicable, Earnin may use Wells Fargo to gather your account transaction data from Wells Fargo. By using our Services, you authorize Earnin and if applicable Wells Fargo to access and transmit your personal and financial information from Wells Fargo. You agree to your personal and financial information being transferred, stored, and processed by Wells Fargo in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.

D. Service Specific Collection of Information:

When you use certain Earnin Services, we need to collect additional information from you and third parties. The collection of this Personally Identifiable Information helps us deliver these additional services to you.

1. Advocacy Program

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”).

Please visit FiscalNote’s Privacy Policy to learn more about how your information is shared. FiscalNote and/or other similar programs, collects the following information from you and shares it with Earnin:

• First and last name;
• Email address;
• Residential address;
• Phone number;
• City; and
• Zip Code

This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative or third party.

Earnin will also communicate with you outside FiscalNote using email, SMS, text messages or push notifications (collectively “Messages”) about Earnin’s advocacy efforts, to request your input or participation in advocacy or other engagement on behalf of Earnin.

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 can opt out from future notifications by clicking on the unsubscribe link in emails from FiscalNote or in emails from Earnin, and/or via opt out language from any texts received.

2. Cash Back Rewards.

If you participate in the Cash Back Rewards program, please visit the Terms of Service, to learn more about the rules and guidelines that apply to govern your use of Cash Back Rewards. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below.

Notwithstanding anything to the contrary in the Privacy Policy, Earnin and its third-party provider Empyr, will use Cash Back Reward transaction data solely:

1. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer;
2. Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction;
3. Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign;
4. Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program;
5. Conduct analysis for the improvement and optimization of the program; and
6. 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.

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.

How to Unenroll From Cash Back Rewards. To unenroll from Cash Back Rewards and unlink your cards, you must follow the steps below:

1. Go to Cash Back Rewards on the App
2. Click on “unenroll”
3. Confirm you want to unenroll card
4. You must repeat this process for every card you wish to delete

3. Earnin Express

For Earnin Express (“Earnin Express Service”), we may use the Personally Identifiable Information you provide to Earnin for additional purposes such as:

• to provide and deliver the Earnin Express Services you request, process transactions, and send you related information, including confirmations and/or verifications;
• create a record of the account transaction data and thereafter maintain and use data in connection with the operation of the Earnin Express Service; and
• detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Earnin Express Service.

Your use of certain features of the Earnin Express Services requires Earnin to collect account numbers, balances, and other information about your bank accounts unrelated to your relationship with Earnin. Earnin may collect this information through a payment processor that facilitates a transfer to a Earnin partner bank account, a partner bank or through a third-party secure access tool.

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. 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 & Trust’s Privacy Policy. All such information is governed by Evolve Bank & Trust’s Privacy Policy.

If Earnin collects Personally Identifiable Information on behalf of Evolve Bank & Trust in connection with Tip and Earnin Express it does so pursuant to Evolve Bank & Trust’s Privacy Policy.

4. Financial Calendar.

When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or Community Members.

5. Health Aid

When you use Health Aid, we ask that you provide us with:

1. Patient Name (if it is not the Community Member Name);
2. Patient date of birth;
3. Mailing address;
4. Approximate bill balance;
5. Electronic copy of medical bill (or provider name, provider address and phone number); and/or
6. Community Member Contact Information such as phone number or email address.

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. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. We also use this information to communicate back to you regarding the outcome of any negotiation attempts.

6. Max Boost

When you use the Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personally Identifiable Information with the Requestor or Grantor:

• First Name and Last Initial of the Community Members asking for and granting a Max Boost
• Date of Request and Grant.

When using Max Boost, Earnin will collect and share messages and community participation such as:

• “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
• How to share a Max Boost request.

7. Pay It Forward

When you Pay It Forward, Earnin may use the Personally Identifiable Information we collect for other purposes such as:

• Sharing your First Name and Last Initial, as well photo or avatar with Community Members in the Pay it Forward chain, and
• Allow Pay it Forward chain members to exchange Thank You messages with you via push notification and/or email if you have opted-in to messaging from Earnin.

8. Tip Yourself

For Tip Yourself (“Tip Yourself Service”), we may use the Personally Identifiable Information Earnin collects for additional purposes such as:

• to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications;
• verify your identity and prevent fraud;
• create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and
• detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service.

Some Personally Identifiable 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.

Evolve Bank & Trust. 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. 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. All such information is governed by Evolve Bank & Trust’s Privacy Policy.

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.

E. Non-Personally Identifiable Information (Aggregated and Anonymized Data)

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. 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.

2. HOW WE USE INFORMATION WE COLLECT

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. We also use some of this Personally Identifiable Information to improve the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available.

Earnin may use your Personally Identifiable Information to facilitate transactions and activities that need to occur for the Services to take place, such as:

1. To establish and verify your identity;
2. To establish the existence and condition of your Bank Account;
3. To assist with a transaction;
4. To establish you are over the age of 18 and a resident of the United States;
5. To determine your eligibility to use the Services;
6. To enable our third party financial services partners to implement fund transfers;
7. To connect with you if there is a problem related to a transaction you requested or to discuss a problem with your Earnin account; and
8. To provide you with customer service,

Generally, we may use the Personally Identifiable Information we collect from you or that you provide to us:

1. To maintain, protect, improve and provide our Services, including for the development of new Services;
2. To notify you about changes to the Earnin Site and Services;
3. To keep records of your communications with our Customer Support team;
4. To enforce and apply our Terms of Service, ACH agreement and any other agreements between you and Earnin;
5. To share information with you about events you may be interested in;
6. To offer Earnin Services relevant to your location;
7. For Earnin’s marketing purposes, such as to offer our products and services to you, such as advertisements, by us, through third parties;
8. To offer you tailored content by giving you more relevant search results and ads;
9. To conduct and report on certain analytics, benchmarking, and performance tracking through the use of anonymous, aggregated information comprised of the categories above; and/or
10. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request.

3. INFORMATION WE SHARE

We do not sell your Personally Identifiable Information. 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. This section explains how Earnin shares your information.

A. Partners and Service Providers

Some of the Services offered by Earnin may be provided by third-party service providers. We also outsource some of Earnin’s functions to third-party service providers, such as data storage providers, platform administrators, customer service and/or other services. 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. We may also use and share aggregated and other anonymous data with partners, service providers and third parties to help improve how Earnin delivers the Services.

Earnin may use your Personally Identifiable Information to verify your identity, comply with and support our bank partners’ compliance with applicable laws, including Anti-Money Laundering (AML) and sanctions screening rules, prevent, detect and investigate fraud, hacking, infringement or other suspected or actual misconduct, crime, or violation of an agreement involving the Services.

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. These third-party service providers are contractually obligated to secure and refrain from disclosing any Personally Identifiable Information which we disclose or otherwise entrust to them.

In some cases, we share aggregated and anonymized data with our employer partners. Examples of such information that may be shared include: the number of registered users who work with the employer, the number of weekly Cash Outs, total number of Cash Outs, average total amounts Cashed Out.

B. Sharing Between Earnin Community Members and Referrals to New Community Members

Some of your Personally Identifiable Information (including your Earnin profile photo, Earnin profile first and last name) will be publicly displayed through the Services and may be seen by anyone with an Earnin account. This sharing enables portions of the Services that allows users to connect and communicate. 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.

Referral Programs. We may, from time to time, run referral programs. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. 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. Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost.

C. Links

The Earnin Site may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personally Identifiable Information with them and are not responsible for their privacy practices.

D. Law Enforcement

Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personaly Identifiable Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law.

4. DO NOT TRACK

Certain internet browsers have incorporated “Do Not Track” features. 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 does not currently respond to DNT Signals.

Earnin may engage in behavioral advertising on third-party sites (e.g., retargeting, tracking), through information collected about the pages you visit the Website. For example, Earnin may use this information to display ads on Services on third-party websites.

5. SECURITY

We store and process your Personaly Identifiable Information using data centers in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personally Identifiable Information only for those employees who require it to fulfill their job responsibilities.

We strive to ensure security on our systems. 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. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone.

If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services, you agree that Earnin may communicate with you electronically. Earnin may post a notice on the Earnin Site if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. 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.

6. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS

Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnin’s Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively “Messages”). If we communicate with you via Messages, we may collect information regarding the Message (e.g., email opening confirmations, read text message data or received push notification data). 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.

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.

If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. Opting out in this manner will not end transmission of Services related Messages.

7. COLLECTION OF INFORMATION FROM CHILDREN

We do not intend to collect information from children under 13 years of age. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

8. GENERAL INFORMATION

Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. Questions or comments about this information may be submitted by mail to the address below or you can contact us.

ActiveHours, Inc. d/b/a Earnin
200 Portage Ave.
Palo Alto, CA 94306

This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. This Privacy Policy does not apply to third party products or services and/or companies Earnin does not own or control.

Changes to This Information

We reserve the right to modify this information at any time. Please review it occasionally. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site.

9. SPECIFIC RIGHTS

A. California Consumer Privacy Act:

With respect to the Services, the rights under the California Consumer Privacy Act (“CCPA”) will be available to all Earnin Community Members for Personally Identifiable Information not otherwise excluded by the terms of CCPA or any associated regulations or guidance. The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request.

Earnin does not sell your Personally Identifiable Information. However, Earnin may use a Third Party to collect Personally Identifiable Information and/or may disclose certain Personaly Identifiable Information for a business purpose, as set forth above (i.e., Sections 1(C) Information from Third Parties and Section 3 Information We Share).

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 Identifable Information may have been disclosed.

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.

How can I request my data from Earnin?

Community Members may find the form to request their information from Earnin here, per CCPA requirements. Note that this is open to all Community Members.

How can I request that Earnin delete my data?

Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. All Community Members may submit a deletion request regardless of state of residence.

What information will Earnin ask for when I make a request?

Earnin must verify your identity before we will fulfill your request. As part of this process, Earnin may ask you to provide Personally Identifiable Information you previously provided to Earnin. You will also be asked to verify your email address.

How long does this take?

For California residents, Earnin will respond to your information or deletion request within 45 days, though we may request an additional 45 days if needed. For non-California residents, we will respond to your request as soon as we are able to. Note that we will only process one request per individual at time.

Can I have an agent make a request on my behalf?

You may designate an authorized agent to make a request on your behalf. In order to designate an authorized agent to make a request on your behalf, you must:

• Provide the authorized agent signed permission to do so;
• You must directly verify your identity with Earnin; and
• You must confirm with Earnin you’ve provided the authorized agent permission to submit the request.

B. Shine the Light

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personally Identifiable Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. We do not share your Personal Identifying Information with third parties for the third parties’ own and independent direct marketing purposes unless we receive your permission.

If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. 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.

C. Nevada State Bill 220

We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. If you reside in Nevada, you have the right to submit a request to our designated request address privacy@earnin.com regarding the sale of covered information.

This Policy was last updated on June 15, 2020

At ActiveHours, Inc. d/b/a Earnin (“Earnin”), we are building a financial system that works for people and is based on our goal to be fair and transparent. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy, and what information Earnin is required to keep. You may also contact us with any privacy related questions you may have.

Summary of Information We Collect
Introduction
Collection of Information
  Information You Provide
  Information We Collect Automatically
  Information from Third Parties
  Service Specific Collection of Information:
    Advocacy
    Cash Back Rewards
    Financial Calendar
    Health Aid
    Max Boost
    Pay It Forward
    Tip Yourself
  Non-Personal Information (Aggregated and Anonymized Data)
How We Use The Information We Collect
Information We Share
Do Not Track Signals
Security
Push Notifications and Email and SMS Communications
Collection of Information from Children
General Information
Specific Rights
  California Consumer Privacy Act
    How can I request my data from Earnin?
    How can I request that Earnin delete my data?
 Shine the Light
 Nevada State Bill 220

Summary of Information We Collect

Introduction

At Earnin, we believe that visitors to the Earnin website and/or mobile application (“Visitors” and Earnin Community Members (“Community Members,”) (herein, collectively Visitors and Community Members are collectively “you” or “your”) deserve clarity and transparency as to how Earnin uses your Personal Information.

Throughout this policy, Earnin uses the term “Personal Information” to mean information that can be associated with you and/or identify you. Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you. This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of:

1. our website located at: https://www.earnin.com, and all of our other websites where this Privacy Policy is posted (collectively the “Website”);
2. our mobile application (herein “Application” or “App”); (the Website and App are collectively referred to as (“Earnin Site”) and
3. any services, content, and/or features made available by us through the Website or App (“Services”).

Please also read our Terms of Service which sets out the terms governing the Services. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service.

1. Collection of Information

Earnin collects Personal Information when you use the Earnin Site and Services. This Personal Information helps us deliver and improve the Earnin Site and Services. We receive information in a few different ways:

1. information you provide;
2. information Earnin collects automatically;
3. information Earnin collect from third parties; and
4. information collected when you use specific Earnin services.

Any Personal Information collected is available to us and may be available to third-party service providers involved in the operation of the Earnin Site and Services. While we contractually require our third-party providers to protect your Personal Information in accordance with this Privacy Policy, please note, that we do not own or control such providers and cannot guarantee their compliance.

A. Information You Provide

In general, you can visit the Website and download the App without telling us who you are or sharing any Personal Information with Earnin. In some circumstances, we may work with third parties to provide services on our Website. These Third Parties may place their own cookies to collect information about your activities on our Website and/or the advertisements you have clicked on.

However, 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 Personal Information to us, to identify you, such as:

• first and last name;
• e-mail address;
• postal address;
• date of birth;
• Social Security Number or other Government Identification Number;
• Driver’s License information or other state identification;
• A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request;
• a text-enabled cellular or wireless telephone number, and/or
• to create a password and/or pin.

In order to use the Services, Community Members may be required to provide our Third Party vendors with certain login access credentials (for example, username and password). These login access credentials allow the third parties we work with to gain online access to the accounts you maintain with a third party financial institution and that you choose to designate for use in connection with Earnin Services (“Bank Account”). You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. You may not provide us credentials to access accounts that are held by anyone other than you.

When you provide your Bank Account login credentials to our third party vendors, you authorize Earnin to use the information they provide to enhance your use of Earnin’s Services. More information about how we use this third party information can be found in Section C: Information from Third Parties. This authorization will remain in effect until you update this information in the App. Removing your Bank Account may affect your ability to receive the Earnin Services.

Your Earnin account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. However, you must contact us directly in order to correct certain information, such as your email address.

If you choose, you may add your contacts’ information into the App by connecting your contacts from your mobile device to the App. If you choose to share your contacts with Earnin, Earnin will, in accordance with your instructions, access and store your contacts’ information in order to identify connections and help you connect with them.

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.

B. Information We Collect Automatically

Earnin may automatically collect the following information about your use of the Earnin Site and Services through cookies, web beacons, log files and other technologies. This information is used to improve the delivery of the Earnin Site and Services and tailor communications to you.

1. Usage Information: Generally, Earnin collects usage information when you use the Earnin Site and Service such as how many times you visit our Website or App and how often you use the Earnin Services. This type of aggregate data enables us, and if applicable, third parties authorized by us, to determine how often parts of the Services are used so that we can analyze and improve those Services. Earnin may also use recency and frequency scores to create advertising and outreach tailored to you.
2. Geolocation and Location Information: Earnin collects and processes location information when you sign up for and use the Services. We track your device location to understand when you go to work and leave work in order to calculate your earnings for Cash Out, to provide you with and allow you to share information about events you may be interested in and provide specific products and communications relevant to your location. This may result in Earnin using your location when you do not have the app open. You can stop sharing your device location at any time by adjusting your device settings. However, if you do not agree to our collection of Geolocation Information, our Services such as Cash Out and Cash Back Rewards may not properly function when you try to use them. Earnin will also use SCF (the first three digits of your postal code) to send you personalized communications, and provide information related Earnin Services such as Cash Back Rewards or Advocacy Programs.
3. Device Identifiers: When you use the mobile version of our Website and our App, we may collect unique device identifiers assigned to that device, such as device type, machine or mobile device identification number, by phone makers, carriers, and/or makers of the operating system (“Device ID”). We may also collect time zone, language setting, mobile network information. Device ID information allows Earnin developers to uniquely identify your device for the purpose of storing application preferences and other data.
4. Technical and Navigational Information: Earnin may collect your computer or mobile browser type, Internet Protocol address, pages visited, average time spent on the App and/or Website and standard web log information, such as your browser type traffic. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
5. Cookies: Earnin uses Cookies to enable our servers to recognize your web browser and explain to us how and when you use the Website. Cookies are small data files stored on your computer or device when you access a website. Your browser stores cookies in a manner associated with each website you visit. Among other things, Cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. It may be possible to disable some cookies through your device or browser settings. Please note, however, that certain features of our Website may not be available if cookies are disabled.
6. Software Development Kits (SDKs). SDKs allow Earnin to transfer or collect information through a server request. Earnin uses SDKs on the App, for the following purposes: as client/server communication, analytics, push notifications, logging, customer support, application stability tracking and advanced user interface widgets.
7. Web Beacons: Earnin may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or communications. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.

C. Information from Third Parties

We may receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or offer you opportunities to use new Services or features that we believe may be of interest to you. Third party information, if combined with the data we collect through the Services, will be subject to this Privacy Policy.

1. Capital One (“Capital One”). If applicable, Earnin may use Capital One to gather your account transaction data from Capital One. By using our Services, you authorize Earnin and Capital One to access and transmit your personal and financial information from Capital One. You agree to your personal and financial information being transferred, stored, and processed by Capital One in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
2. Fincity (“Fincity”). If applicable, Earnin may use Fincity to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Fincity to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Fincity in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
3. Plaid Inc. (“Plaid”). If applicable, Earnin may use Plaid to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Plaid to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with its Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
4. MX Technologies, (“MX”). If applicable, Earnin may use MX to gather your account transaction data from financial services. By using our Services, you authorize Earnin and MX to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
5. Tabapay, Inc. (“TabaPay”). If applicable, Earnin may use Tabapay for the Lighting Speed feature. By linking using the Lighting Speed feature,, you authorize us to send your Personal Information, including but not limited to the debit card information, bank routing and account numbers to Tabapay for the purpose of facilitating Lighting Speed. Any such Personal Information may be collected and processed by Tabapay in accordance with its Privacy Policy.
6. Wells Fargo Bank, NA (“Wells Fargo”) If applicable, Earnin may use Wells Fargo to gather your account transaction data from Wells Fargo. By using our Services, you authorize Earnin and if applicable Wells Fargo to access and transmit your personal and financial information from Wells Fargo. You agree to your personal and financial information being transferred, stored, and processed by Wells Fargo in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.

D. Service Specific Collection of Information:

When you use certain Earnin Services, we need to collect additional information from you and third parties. The collection of this Personal Information helps us deliver these additional services to you.

1. Advocacy Program

If you participate in Earnin’s advocacy and engagement efforts, Earnin will share your information with One Click Politics, FiscalNote and/or other similar platforms (collectively the “Advocacy Program”).

Please visit the One Click Politics’ Privacy Policy or the FiscalNote’s Privacy Policy to learn more about how your information is shared. One Click Politics’ and FiscalNote collects the following information from you and shares it with Earnin:

• First and last name;
• Email address;
• Residential address;
• Phone;
• City; and
• Zip

This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative.

Earnin will also communicate with you outside One Click Politics or FiscalNote using email, SMS, text messages or push notifications (collectively “Messages”) about Earnin’s advocacy efforts, to request your input or participation in advocacy or other engagement on behalf of Earnin.

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 can opt out from future notifications by clicking on the unsubscribe link in emails from One Click Politics or FiscalNote, in emails from Earnin, or via opt out language from any texts received.

2. Cash Back Rewards.

If you participate in the Cash Back Rewards program, please visit the Terms of Service, to learn more about the rules and guidelines that apply to govern your use of Cash Back Rewards. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below.

Notwithstanding anything to the contrary in the Privacy Policy, Earnin and its third-party provider Empyr, will use Cash Back Reward transaction data solely:

1. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer;
2. Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction;
3. Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign;
4. Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program;
5. Conduct analysis for the improvement and optimization of the program; and
6. 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.

By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data described above and herein by and among Earnin and Earnin’s third party service provider, applicable Payment Card Networks and applicable merchants.

How to Unenroll in Cash Back Rewards. To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below:

1. Go to Cash Back Rewards on the App
2. Click on “unenroll”
3. Confirm you want to unenroll card
4. You must repeat this process for every card you wish to delete

3. Financial Calendar.

When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members.

4. Health Aid

When you use Health Aid, we ask that you provide us with:

1. Patient Name (if it is not the Community Member Name);
2. Patient date of birth;
3. Mailing address;
4. Approximate bill balance;
5. Electronic copy of medical bill (or provider name, provider address and phone number); and/or
6. Community Member Contact Information such as phone number or email address.

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. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. We also use this information to communicate back to you regarding the outcome of any negotiation attempts.

5. Max Boost

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:

• First Name and Last Initial of the Community Members asking for and granting a Max Boost
• Date of Request and Grant.

When using Max Boost, Earnin will collect and share messages and community participation such as:

• “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
• How to share a Max Boost request.

6. Pay It Forward

When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as:

• Sharing your First Name and Last Initial, as well photo or avatar with Community Members in the Pay it Forward chain, and
• Allow Pay it Forward chain members to exchange Thank You messages with you via push notification and/or email if you have opted-in to messaging from Earnin.

7. Tip Yourself

For Tip Yourself (“Tip Yourself Service”), we may use the Personal Information Earnin collects for additional purposes such as:

• to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications;
• verify your identity and prevent fraud;
• create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service; and
• detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service.

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.

Evolve Bank & Trust. For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, an Arkansas-chartered depository institution. By using our service, you grant Earnin and Evolve Bank & Trust the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy.

E. Non-Personal Information (Aggregated and Anonymized Data)

Earnin may aggregate and modify Personal Information in a manner that does not personally identify you or any other individual and therefore is no longer Personal Information. For example, we may use this non-Personal Information to generate aggregate user statistics, create infographics and other data graphs, train artificial intelligence models, demographic information, and usage information.

2. HOW WE USE INFORMATION WE COLLECT

Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. We also use some of this information to improve our the Earnin Site and Services, provide you with information on events you may be interested in, provide specific communications and Earnin Services relevant to your location, advertisements and to develop new services and let you know they are available.

Earnin may use your Personal Information to facilitate transactions and activities that need to occur for the Services to take place, such as:

1. To establish and verify your identity;
2. To establish the existence and condition of your Bank Account;
3. To assist with a transaction;
4. To establish you are over the age of 18 and a resident of the United States;
5. To determine your eligibility to use the Services;
6. To enable our third party financial services partners to implement fund transfers;
7. To connect with you if there is a problem completed a transaction you requested or to discuss a problem with your Earnin account; and
8. To provide you with customer service,

Generally, we may use the information we collect from you or that you provide to us:

1. To maintain, protect, improve and provide our Services, including for the development of new Services;
2. To notify you about changes to the Earnin Site and Services;
3. To keep records of your communications with our Customer Support team;
4. To enforce and apply our Terms of Service, ACH agreement and any other agreements between you and Earnin;
5. To share information with you about events you may be interested in;
6. To offer Earnin Services relevant to your location;
7. For Earnin’s marketing purposes, such as to offer our products and services to you, such as advertisements, by us, through third parties;
8. To offer you tailored content by giving you more relevant search results and ads;
9. To conduct and report on certain analytics, benchmarking, and performance tracking through the use of anonymous, aggregated information comprised of the categories above; and/or
10. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request.

3. INFORMATION WE SHARE

We do not sell your Personal Information. To ensure that the Earnin Site and Services work, we may need to share your Personal Information with third parties and service providers, as well as other users. This section explains how Earnin shares your information.

A. Partners and Service Providers

Some of the Services offered by Earnin may be provided by third-party service providers. We also outsource some of Earnin’s functions to third-party service providers, such as data storage providers, platform administrators, customer service and/or other services. 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. We may also use and share aggregated and other anonymous data with partners, service providers and third parties to help improve how Earnin delivers the Services.

In some cases, we share aggregated and anonymized data with our employer partners. Examples of such information that may be shared include: the number of registered users who work with the employer, the number of weekly Cash Outs, total number of Cash Outs, average total amounts Cashed Out.

B. Sharing Between Earnin Community Members and Referrals to New Community Members

Some of your Personal Information (including your Earnin profile photo, Earnin profile first and last name) will be publicly displayed through the Services and may be seen by anyone with an Earnin account. This sharing enables portions of the Services that allows users to connect and communicate. 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.

Referral Programs. We may, from time to time, run referral programs. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. 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. Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost.

C. Links

The Earnin Site may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices.

D. Law Enforcement

Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personal Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law.

4. DO NOT TRACK

Certain internet browsers have incorporated “Do Not Track” features. 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 does not currently respond to DNT Signals.

Earnin may engage in behavioral advertising on third-party sites (e.g., retargeting, tracking), through information collected about the pages you visit the Website. For example, Earnin may use this information to display ads on Services on third-party websites.

5. SECURITY

We store and process your Personal Information using data centers in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personal Information only for those employees who require it to fulfill their job responsibilities.

We strive to ensure security on our systems. Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone.

If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services, you agree that Earnin may communicate with you electronically. Earnin may post a notice on the Earnin Site if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. 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.

6. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS

Earnin may communicate with You about summaries of your Account Information, User Research, products and Earnin Services, Earnin’s Advocacy Program, to request your input or participation in the Advocacy Program or other engagements on behalf of Earnin, using email, SMS, text messages or push notifications (collectively “Messages”). If we communicate with you via Messages, we may collect information regarding the communications, such as email opening confirmations, read text message data or received push notification data. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin and advocacy efforts with third parties or third-party goods or services.

If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. Opting out in this manner will not end transmission of service-related Messages.

7. COLLECTION OF INFORMATION FROM CHILDREN

We do not intend to collect information from children under 13 years of age. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

8. GENERAL INFORMATION

Earnin is headquartered in Palo Alto, California and our Services are provided to you by ActiveHours, Inc. Questions or comments about this information may be submitted by mail to the address below or you can contact us.

ActiveHours, Inc. d/b/a Earnin
200 Portage Ave.
Palo Alto, CA 94306

This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. This Privacy Policy does not apply to third party products or services and/or companies Earnin does not own or control.

Changes to This Information

We reserve the right to modify this information at any time. Please review it occasionally. If Earnin makes changes to this information, the updated information will be posted on the Earnin Site.

9. SPECIFIC RIGHTS

A. California Consumer Privacy Act:

With respect to the Services, the rights under the California Consumer Privacy Act (“CCPA”) will be available to all Earnin Community Members. The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request.

Earnin does not sell your Personal Information. However, we may disclose certain Personal Information for a business purpose, as set forth above. 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.

How can I request my data from Earnin?

Community Members may find the form to request their information from Earnin here, per CCPA requirements. Note that this is open to all Community Members.

How can I request that Earnin delete my data?

Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. Earnin may still retain the data in aggregated or anonymized form in compliance with CCPA. All Community Members may submit a deletion request regardless of state of residence.

How long does this take?

For California residents, Earnin will respond to your information or deletion request within 45 days, though we may request an additional 45 days if needed. For non-California residents, we will respond to your request as soon as we are able to. Note that we will only process one request per individual at time.

B. Shine the Light

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

C. Nevada State Bill 220

We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. If you reside in Nevada, you have the right to submit a request to our designated request address privacy@earnin.com regarding the sale of covered information.

At Earnin, we are building a financial system that works for people and is based in fairness and transparency. The purpose of this Privacy Policy is for you to understand how we collect and use your information, the ways in which you can protect your privacy and what information Earnin is required to keep. You may also email us at privacy@earnin.com with any privacy related questions you may have.

Summary of Information We Collect
Introduction
Collection of Information
  Information You Provide
  Information We Collect Automatically
  Information from Third Parties
  Service Specific Collection of Information:
    Advocacy
    Cash Back Rewards
    Financial Calendar
    Health Aid
    Max Boost
    Pay It Forward
    Tip Yourself
  Non-Personal Information (Aggregated and Anonymized Data)
How We Use The Information We Collect
Information We Share
DO NOT TRACK
SECURITY
PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS
INFORMATION FROM CHILDREN
GENERAL INFORMATION
SPECIFIC RIGHTS
  California Consumer Privacy Act
    How can I request my data from Earnin?
    How can I request that Earnin delete my data?
 Shine the Light
 Nevada State Bill 220

Summary of Information We Collect

Introduction

At Activehours, Inc. d/b/a Earnin (“Earnin”), we believe that visitors to the Earnin website and/or mobile application and Earnin Community Members (“Community Members,”) (collectively “you” or “your”) deserve clarity and transparency as to how Earnin uses your Personal Information.

Throughout this policy, Earnin uses the term “Personal Information” to mean information that can be associated with you and/or identify you. Personal Information does not include information that has been aggregated and/or anonymized so it does not identify you.

This Privacy Policy applies when you use or access the Earnin Site and Services, which comprise of: Our websites located at: https://www.earnin.com, and all of our other websites where this Privacy Policy is posted (collectively the “Website”); our mobile application (herein “Application” or “App”); (the Website and App are collectively referred to as (“Earnin Site”) and any services, content, and/or features made available by us through the Website or App (“Services”).

1. Collection of Information

Earnin collects Personal Information when you use the Earnin Site and Services. This Personal Information helps us improve our delivery of the Earnin Site and Services. We receive information in a few different ways:

1. Information You Provide,
2. Information Earnin Collects Automatically
3. Information We Collect from Third Parties, and
4. Service Specific Collection of Personal Information

Please also read our Terms of Service which sets out the terms governing the Services. Capitalized terms not defined in the Privacy Policy will be defined in the Terms of Service.

Any Personal Information collected is available to us and may be available to third-party service providers involved in the operation of the Services. While we contractually require our third-party providers to protect your Personal Information in accordance with this Privacy Policy, please note, that we do not own or control such providers and cannot guarantee their compliance.

A. Information You Provide

In general, you can visit the Website and download the Application without telling us who you are or sharing any Personal Information with us.

However, when you register for an account and become a Community Member to use the Services and/or communicate with Earnin, we may ask you to provide certain Personal Information to us, to identify you, such as:

• first and last name;
• Email address;
• Postal address;
• Birthdate;
• Telephone number;
• Social Security Number or other Government Identification Number;
• Driver’s License or other state identification;
• A copy of a utility bill, bank statement, affidavit, or other bill, dated within three months of our request;
• a text-enabled cellular or wireless telephone number, and/or
• to create a password and/or pin.

In order to use the Services, Community Members (registered users of Earnin Services) may be required to provide our Third Party vendors with certain login access credentials (for example, username and password). These login access credentials allow the third parties we work with to gain online access to the accounts you maintain with third party financial institution and that you choose to designate for use in connection with Earnin Services (“Bank Account”). You may only provide third party account access credentials and authorize our vendors to access valid accounts that you hold in your own name. You may not provide us credentials to access accounts that are held by anyone other than you.

When you provide your Authorized Bank Account login credentials to our third party vendors, you authorize Earnin to use the information they provide to enhance your use of Earnin’s Services. More information about how we use this third party information can be found in Section C: Information from Third Parties. This authorization will remain in effect until you update this information in App. , Removing your Bank Account may affect your ability to receive the Earnin Services.

Your account information and some of the additional information you provide can be reviewed and changed by logging into the Earnin App. However, you must contact us directly in order to correct certain information, such as your email address.

B. Information We Collect Automatically

Earnin may automatically collect the following information about your use of our Site, App, or Services through cookies, web beacons, log files and other technologies:

1. Usage Information: Generally Earnin collects usage information, such as how many times you visit our website or app and how often you use the Earnin Services. We may use this data in an aggregate form, but we will not personally identify you. This type of aggregate data enables us, and if applicable, third parties authorized by us, to determine how often parts of the Services are used so that we can analyze and improve those Services.
2. Geolocation Information: We collect and process location information when you sign up for and use the Services. We track your device location to understand when you go to work and leave work in order to calculate your earnings for Cash Out. This may result in Earnin using your location when you do not have the app open.. You can stop sharing your device location at any time by adjusting your device settings. However, if you do not agree to our collection of Geolocation Information, our services such as Cash Out may not properly function when you try to use them.
3. Device Identifiers: When you use the mobile version of our Site and our App, we may collect unique device identifiers assigned to that device, such as device type, machine or mobile device identification number, by phone makers, carriers, and/or makers of the operating system (“Device ID”). We may also collect time zone, language setting, mobile network information. Device ID information allows Earnin developers to uniquely identify your device for the purpose of storing application preferences and other data.
4. Technical and Navigational Information: Earnin may collect your computer or mobile browser type, Internet Protocol address, pages visited, average time spent on the App and/or Site and standard web log information, such as your browser type traffic. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
5. Cookies: Earnin uses Cookies to enable our servers to recognize your web browser and explain to us how and when you use the Earnin Site. Cookies are small data files stored on your computer or device when you access a website. Your browser stores cookies in a manner associated with each website you visit. Among other things, Cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. It may be possible to disable some cookies through your device or browser settings. Please note, however, that certain features of our Site may not be available if cookies are disabled.
6. Software Development Kits (SDKs). SDKs allow Earnin to transfer or collect information through a server request. Earnin uses SDKs for the following purposes: measurement and reporting, for example to count the number of users who visit a web page, download an app or read an email; site usage analytics; and to offer you more relevant, interesting and personalised content and advertising.
7. Web Beacons: Earnin may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon.

C. Information from Third Parties

We receive information about you from third parties, such as your financial institutions, identify verification services providers, and payment processors. We may also receive information about you from records held by third parties, such as marketing-related or demographic information. We use third party information to supplement the information we collect about you through the Services in order to enhance our ability to serve you, to tailor our features to you, and/or offer you opportunities to use new Services or features that we believe may be of interest to you. Third party information, if combined with the data we collect through the Services, will be subject to this Privacy Policy.

1. Capital One (“Capital One”). If applicable, Earnin may use Capital One to gather your account transaction data from Capital One. By using our Services, you authorize Earnin and Capital One to access and transmit your personal and financial information from Capital One. You agree to your personal and financial information being transferred, stored, and processed by Capital One in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
2. Fincity (“Fincity”). If applicable, Earnin may use Fincity to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Fincity to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Fincity in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
3. Plaid Inc. (“Plaid”). If applicable, Earnin may use Plaid to gather your account transaction data from financial institutions. By using our Services, you authorize Earnin and Plaid to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with its Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
4. MX Technologies, (“MX”). If applicable, Earnin may use MX to gather your account transaction data from financial services. By using our Services, you authorize Earnin and MX to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.
5. Tabapay, Inc. (“TabaPay”). If applicable, Earnin may use Tabapay for the Lighting Speed feature. By linking using the Lighting Speed feature,, you authorize us to send your Personal Information, including but not limited to the debit card information, bank routing and account numbers to Tabapay for the purpose of facilitating Lighting Speed. Any such Personal Information may be collected and processed by Tabapay in accordance with its Privacy Policy.
6. Wells Fargo Bank, NA (“Wells Fargo”). If applicable, Earnin may use Wells Fargo to gather your account transaction data from Wells Fargo. By using our Services, you authorize Earnin and if applicable Wells Fargo to access and transmit your personal and financial information from Wells Fargo. You agree to your personal and financial information being transferred, stored, and processed by Wells Fargo in accordance with its Terms and Conditions and Privacy Policy. The account login credentials of your Bank Account (e.g., usernames and passwords) are not stored at or accessible to anyone at Earnin.

D. Service Specific Collection of Information:

When you use certain Earnin Services, we need to collect additional information from you and third parties. The collection of this Personal Information helps us deliver these additional services to you.

1. Advocacy and Engagement

If you participate in Earnin’s Advocacy and Engagement program, Earnin will provide your location information to One Click Politics. Please visit the Privacy Policy to learn more about how your information is shared. One Click Politics collects the following information from you and shares it with Earnin:

• First and last name;
• Email address;
• Residential address;
• Phone;
• City; and
• Zip

This information is used to help determine your local, state and federal representatives and direct your emails and calls to the appropriate representative.

Earnin may use this information to let you know about certain products, features or campaigns we think you may be interested in. You can opt out from future notifications by clicking on the unsubscribe link in One Click Politics or Earnin emails, or via opt out language from any texts received.

2. Cash Back Rewards.

If you participate in the Cash Back Rewards program, please visit the Terms of Service, to learn more about the rules and guidelines that apply to govern your use of Cash Back Rewards. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below.

1. Notwithstanding anything to the contrary in the Privacy Policy, Earnin and its third-party provider Empyr, will use Cash Back Reward transaction data solely:
2. To confirm a Qualifying Purchase or return match or return to match transactions to confirm whether you qualify for a statement credit or an Offer;
3. Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction;
4. Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign;
5. Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program;
6. Conduct analysis for the improvement and optimization of the program; and
7. 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.

By participating in Cash Back Rewards you: authorize the sharing, exchange and use of transaction data described above and herein by and among Earnin and Earnin’s third party service provider, applicable Payment Card Networks and applicable merchants.

How to Unenroll in Cash Back Rewards. To opt out of the Cash Back Rewards and unlink your cards, you must follow the steps below: Go to Cash Back Rewards on the App Click on “unenroll” Confirm you want to unenroll card You must repeat this process for every card you wish to delete

3. Financial Calendar.

When you use Financial Calendar, Earnin will use third party information to populate the Financial Calendar. Earnin may also use aggregated and anonymized data to allow you to compare how expenses track against other similar providers and/or community members.

4. Health Aid When you use Health Aid, we ask that you provide us with:

1. Patient Name (if it is not the Community Member Name);
2. Patient date of birth;
3. Mailing address;
4. Approximate bill balance;
5. Electronic copy of medical bill (or provider name, provider address and phone number); and/or
6. Community Member Contact Information such as phone number or email address.

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. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider. We also use this information to communicate back to you regarding the outcome of any negotiation attempts.

5. Max Boost

When you use Max Boost Feature, either as a Requestor or Grantor, Earnin will share some of the following Personal Information with the other Community Member:

• First Name and Last Initial of the Community Members asking for and granting a Max Boost
• Date of Request and Grant.

Earnin will also allow the Requestor and Requestee to “like” or interact with the request notification by using an emoji.

When using Max Boost, Earnin will collect and share with only you, the following:

• 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
• How to share a Max Boost request.

6. Pay It Forward When you Pay It Forward, Earnin may use the Personal Information we collect for other purposes such as:

• Sharing your First Name and Last Initial, as well photo or avatar with Community Members in the Pay it Forward chain, and
• Allow Pay it Forward chain members to exchange Thank You messages with you via push notification and/or email if you have opted-in to messaging from Earnin.

7. Tip Yourself For Tip Yourself (“Tip Yourself Service”, we may use the Personal Information Earnin collects for additional purposes such as:

• to provide and deliver the Tip Yourself Services you request, process transactions, and send you related information, including confirmations and/or verifications;
• verify your identity and prevent fraud;
• create a record of the transaction data and thereafter maintain and use data in connection with the operation of the Tip Yourself Service;
• detect, prevent and investigate actual or suspected fraud, hacking, infringement, or other misconduct involving the Tip Yourself Service; and
• create a record of the transaction data and thereafter maintain and use data in connection with operating the Tip Yourself Service.

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.

Evolve Bank & Trust. For the Tip Yourself Service, Earnin uses Evolve Bank & Trust to provide a custodial account deposit agreement between you and Evolve Bank & Trust, a Arkansas-chartered depository institution. By using our service, you grant Earnin and Evolve Bank & Trust the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Evolve Bank & Trust in accordance with its Privacy Policy.

E. Non-Personal Information (Aggregated and Anonymized Data)

Earnin may aggregate and modify Personal Information in a manner that does not personally identify you or any other individual and therefore is no longer Personal Information. For example, we may use this non-Personal Information to generate aggregate user statistics, train artificial intelligence models, demographic information, and usage information.

2. HOW WE USE INFORMATION WE COLLECT

Earnin uses the information we collect to help us verify your identity, set up your account, and provide you with customer service. We also use some of this information to improve our Services, the Website and App, provide you with advertisements and to develop new services and let you know they are available.

Earnin may use your Personal Information to facilitate transactions and activities that need to occur for the Services to take place, such as:

1. To establish and verify your identity;
2. To establish the existence and condition of your Bank Account;
3. To assist with a transaction;
4. To establish you are over the age of 18 and a resident of the United States;
5. To determine your eligibility to use the Services;
6. To enable our third party financial services partners to implement fund transfers;
7. To connect with you if there is a problem completed a transaction you requested or to discuss a problem with your Earnin account; and
8. To provide you with customer service,

Generally, we may use the information we collect from you or that you provide to us:

1. To maintain, protect, improve and provide our Services, including for the development of new Services;
2. To notify you about changes to the Earnin Site and Services;
3. To keep records of your communications with our Customer Support team;
4. To enforce and apply our Terms of Service, ACH agreement and any other agreements between you and Earnin;
5. For Earnin’s marketing purposes, such as to offer our products and services to you, such as advertisements, by us, through third parties;
6. To offer you tailored content by giving you more relevant search results and ads;
7. To conduct and report on certain analytics, benchmarking, and performance tracking through the use of anonymous, aggregated information comprised of the categories above; and/or
8. To comply with any court order, law, or legal process, including retaining personal data or responding to any government or regulatory request.

3. INFORMATION WE SHARE

We do not sell your Personal Information. To ensure that the Earnin Site and Services work, we may need to share your Personal Information with third parties and service provides, as well as other users. This section explains how Earnin shares your information.

A. Partners and Service Providers

Some of the Services offered by Earnin may be provided by third-party service providers. We also outsource some of Earnin’s functions to third-party service providers, such as data storage providers, platform administrators, customer service and/or other services. 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. We may also use and share aggregated and other anonymous data with partners, service providers and third parties to help improve how Earnin delivers the Services.

In some cases, we share aggregated and anonymized data with our employer partners. Examples of such information that may be shared include: the number of registered users who work with the employer, the number of weekly Cash Outs, total number of Cash Outs, average total amounts Cashed Out.

B. Sharing Between Earnin Community Members and Referrals to New Community Members

Some of your Personal Information (including your Earnin profile photo, Earnin profile first and last name) will be publicly displayed through the Services and may be seen by anyone with an Earnin account. This sharing enables portions of the Services that allows users to connect and communicate. 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, 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.

Referral Programs. We may, from time to time, run referral programs. If you refer someone to Earnin through an applicable Referral Program, we will let them know that you generated the referral. If another Community Member referred you, Earnin may share information about your use of Earnin with that Community Member. 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. Or when you send an non-Community Member a Max Boost request, you will be notified if they install and they will have the option to send you a one-time max boost.

C. Links

The Earnin Siite may contain links to third-parties we have partnered with, except as described in this Privacy Policy, we do not share your Personal Information with them and are not responsible for their privacy practices.

D. Law Enforcement

Earnin will share information with law enforcement, government officials, or other third parties if Earnin is compelled to do so by subpoena, court order or similar legal procedure, when it is necessary to do so to comply with law, or where the disclosure of Personal Information is reasonably necessary to prevent physical harm or financial loss, to report suspected illegal activity, or to investigate violations of the Terms of Service or as otherwise required by law.

4. DO NOT TRACK

Certain internet browsers have incorporated “Do Not Track” features. 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 does not currently respond to DNT Signals.

Earnin may engage in behavioral advertising on third-party sites (“retargeting” or “tracking”), through information collected about the pages you visit the Website. For example, Earnin may use this information to display ads on Services on third-party websites.

SECURITY

We store and process your Personal Information using data centers in the United States. This information is protected by physical, electronic and procedural safeguards in compliance with applicable US federal and state regulations. We also use computer safeguards such as firewalls and data encryption, we enforce physical access controls to our office and files, and we authorize access to Personal Information only for those employees who require it to fulfill their job responsibilities. We strive to ensure security on our systems. Despite our efforts, we cannot guarantee that Personal Information may not be accessed, disclosed, altered or destroyed by breach of our administrative, managerial and technical safeguards. Therefore, we urge you to take adequate precautions to protect your personal data as well, including never sharing your Earnin credentials with anyone. If Earnin learns of a systems security breach, we may attempt to notify you electronically so that you can take appropriate protective steps. By using the Services, you agree that Earnin may communicate with you electronically. Earnin may post a notice on the Earnin Site if a security breach occurs. We may also send an email to you at the email address you have provided to us. Depending on where you live, you may have a legal right to receive notice of a security breach in writing. 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.

6. PUSH NOTIFICATIONS, EMAIL AND SMS COMMUNICATIONS

Earnin may communicate with You about summaries of your Account Information, products and Earnin Services using email, SMS, text messages or push notifications (collectively “Messages”). If we communicate with you via Messages, we may collect information regarding the communications, such as email opening confirmations, read text message data or received push notification data. We may also allow users to subscribe to email newsletters and from time to time may transmit emails promoting Earnin or third-party goods or services. If at any time you do not wish to receive the Messages, you have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails and turn off notifications using the functionality made available in the browser, application or device settings. Opting out in this manner will not end transmission of service-related Messages.

7. INFORMATION FROM CHILDREN

We do not intend to collect information from children under 13 years of age. If we learn that we have collected such information from a child under the age of 13, we will promptly take all reasonable steps to delete the data from our systems. Contact us if you believe that we have mistakenly or unintentionally collected information from a child under the age of 13.

8. GENERAL INFORMATION

Earnin is headquartered in Palo Alto, California and our Services are provided to you by Activehours, Inc. Questions or comments about this information may be submitted by mail to the address below or you can contact us.

Active Hours, Inc. d/b/a Earnin
200 Portage Ave
Palo Alto, CA 94306

This policy was written in English, to the extent a translated version conflicts with the English version, the English version controls. This Privacy Policy does not apply to third party products or services and/or companies Earnin does not own or control.

Changes to This Information

We reserve the right to modify this information at any time. Please review it occasionally. If Earnin, makes changes to this information, the updated information will be posted on the Earnin Site.

9. SPECIFIC RIGHTS

A. California Consumer Privacy Act:

With respect to the Services, the rights under the California Consumer Privacy Act (“CCPA”) will be available to all Earnin Community Members. The CCPA provides the right to request that we disclose the specific pieces of information we have collected about you, which Earnin will do after we receive and validate your request.

Earnin does not sell your Personal Information. However, we may disclose certain Personal Information for a business purpose, as set forth above. 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.

How can I request my data from Earnin?

Community Members may find the form to request their information from Earnin here, per CCPA requirements. Note that this is open to all Community Members.

How can I request that Earnin delete my data?

Community Members may submit a request to delete their information through our Privacy Manager here, CCPA. Earnin may still the data in aggregated or anonymized form in compliance with CCPA. All Community Members may submit a deletion request regardless of state of residence.

How long does this take?

For California residents, Earnin will respond to your information or deletion request within 45 days, though we may request an additional 45 days if needed. For non-California residents, we will respond to your request as soon as we are able to. Note that we will only process one request per individual at time.

B. Shine the Light

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits those of you who are California residents to request and obtain from us once a year, free of charge, information about the Personal Information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

C. Nevada State Bill 220

We do not sell your covered information, as defined by Section 1.6 of Chapter 603A of the Nevada Revised Statutes. If you reside in Nevada, you have the right to submit a request to our designated request address privacy@earnin.com regarding the sale of covered information.

This Privacy Policy describes the information Activehours, the company that offers services under the Earnin brand, collects about you, how we use and share that information, and the privacy choices we offer. This policy applies to information we collect when you register for Activehours, access or use our website, mobile applications, products, and services (collectively, the “Services”), or when you otherwise interact with us. As used in this Privacy Policy, the term "Site" includes: all websites and all devices or applications operated by Activehours that collect personal information from you and that link to this Privacy Policy; 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.

If you have consented to participate in Earnin Cash Back Rewards, please visit the Terms to learn more about the data collection, use, and sharing practices in connection with the program. If you would like to opt out of card linking and transaction monitoring in connection with the program, please follow the steps below:

1. Go to Cash Back Rewards
2. Click on “unenroll”
3. Confirm you want to unenroll card
4. You must repeat this process for every card you wish to delete

Our commitment to protecting your information is described in the sections outlined below:

1. Collection of information
2. Use of your information
3. Sharing of information
4. Security
5. Email communications
6. Changes to your personal information
7. California privacy rights
8. Changes to privacy policy

1. Collection of information

• Activehours may collect the following categories of personal information about you, including but not limited to the following:
• Registration Information: When you register for a Service, you will be asked for basic registration information, such as an email address and password.
• 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.
• Location information: You may also be asked to provide geolocation information to confirm your earnings.
• Health Aid: When you use Health Aid (formerly known as “MediPal”), we will ask you to provide your date of birth, mailing address, and the medical bill you would like to submit for the Health Aid Service.
• Third-Party Credentials: You may also enter in certain passwords, usernames, account numbers, and other account information for third-party sites and Internet services ("Third Party-Sites").
• Information from Third-Party Sites: In order to display information to you or to fulfill your requests for certain products and services through a Service, we may collect, on your behalf, your account and other personal information from Third-Party Sites that you register under your account via the Service. We may also collect information about you from credit bureaus, mailing list providers, publicly available sources, and other third parties.
• Activehours uses Plaid Technologies, Inc. (“Plaid”) to gather End User’s data from financial institutions. By using our service, you grant Activehours and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by Plaid in accordance with the
• Activehours uses MX Technologies (“MX”) to gather End User’s data from financial institutions. By using our service, you grant Activehours and MX the right, power, and authority to act on your behalf to access and transmit your personal and financial information from the relevant financial institution. You agree to your personal and financial information being transferred, stored, and processed by MX in accordance with the
• Information Collected by Cookies and Web Beacons: We use various technologies to collect information, and this may include sending cookies to your computer or mobile device. Cookies are small data files that are stored on your hard drive or in device memory by a website. Among other things, cookies support the integrity of our registration process, retain your preferences and account settings, and help evaluate and compile aggregated statistics about user activity. We may also collect information using web beacons. Web beacons are electronic images that may be used in our Services or emails. We may use web beacons to deliver cookies, count visits, understand usage, and determine whether an email has been opened and acted upon. It may be possible to disable some cookies through your device or browser setting. Please note, however, that certain features of our Site may not be available if cookies are disabled.
• Technical and Navigational Information: We may collect your computer browser type, Internet protocol address, pages visited, and average time spent on our Site. This information may be used, for example, to alert you to software compatibility issues, or it may be analyzed to improve our web design and functionality.
• Device ID: When you use the mobile versions of our Site, we may collect the unique device identifier assigned to that device by phone makers, carriers, or makers of the operating system (the "Device ID"). Device IDs allow app developers, and others to uniquely identify your device for purposes of storing application preferences and other data.

2. Use of your information

We may use the information you provide about yourself and about your Third-Party Sites to fulfill your requests for our products, programs, and Services, to respond to your inquiries about our Services, and to offer you other products, programs, or services that we believe may be of interest to you. We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. 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.

We may use your information to complete transactions you request, to verify the existence and condition of your accounts, or to assist with a transaction. 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.

By registering a payment card in connection with transaction monitoring for Earnin Cash Back Rewards, you authorize Activehours to share your payment information with its third-party service providers, Empyr, Inc., and its Payment Card Network (Visa, Mastercard, American Express, etc.) so it knows you enrolled. You authorize Payment Card Network to monitor transactions on your registered card(s) to identify Qualified Purchases in order to determine whether you have qualified for or earned an offer linked to your payment card, to calculate your rewards, redeem rewards, and for Payment Card Network to share such transaction details with Empyr and for Empyr to share such transaction details with Activehours to enable your card-linked offer(s) and target offers that may be of interest to you in accordance with the Earnin Cash Back Rewards Terms of Use and Privacy Policy. You agree that Activehours and its Third Party Service Providers may view your transactions. Activehours may share my transaction data with Earnin Cash Back Rewards participants to determine if you are eligible to receive the offered reward.

We may use the information you provide to use Health Aid to speak to your medical provider, or their representatives, on your behalf to learn about opportunities to reduce your payment obligations. For example, we may use the information you provide for Health Aid to determine availability of discounts or payment options from your medical provider or to inform you of billing errors, including errors related to insurance coverage.

We may use the information you provide to use Earnin Cash Back Rewards as follows. 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.) in order to register and link that payment card account with the Earnin Cash Back Rewards program. You authorize Payment Card Network to monitor and share your transaction data made with your registered payment card(s) at participating merchants with Activehours and its Third Party Service Providers to enable your card-linked offer(s), calculate your rewards, redeem rewards, and target offers that may be of interest to you, and facilitate the program in accordance with the Terms of Use and Privacy Policy. You agree that Activehours and its Third Party Service Providers may view your transactions. Activehours may share my transaction data with participating merchants to determine if you are eligible to receive the offered reward.

We may use your information to improve and personalize the Services. For example, we may use your information to pre-fill form fields on the Sites for your convenience.

Notwithstanding anything to the contrary in the Terms and Conditions or Privacy Policy, Activehours and its third party service providers will use transaction information solely as follows:

• Use transaction data to confirm a Qualifying Purchase or return to match transactions to confirm whether you qualify for a statement credit or an offer;
• Share transaction data with the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded; for example, the date and amount of your purchase and the last 4 digits of your card number so the merchant can verify your purchase with its records if there is a missing or disputed transaction;
• Provide participating merchants or third party service providers aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign;
• Create a record of the transaction data and thereafter maintain and use data in connection with operating the Program;
• Conduct analysis for the improvement and optimization of the program; and
• 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.
• You authorize the sharing, exchange and use of transaction data described above and herein by and among Activehours and Activehours' third party service providers, applicable Payment Card Networks and applicable merchants.

3. Sharing of information

We may share personal information about you as follows:

• With third parties to provide, maintain, and improve our Services;
• In connection with, or during the negotiation of, any merger, sale of company stock or assets, financing, acquisition, divestiture, or dissolution of all or a portion of our business;
• To respond to subpoenas, court orders, or legal process;
• In order to investigate, prevent, defend against, or take other action regarding violations of our Terms of Service, illegal activities, suspected fraud, or situations involving potential threats to the legal rights or physical safety of any person or the security of our network, Sites or Services;
• To respond to claims that any posting or other content violates the rights of third parties;
• In an emergency, to protect the health and safety of our Sites' users or the general public; or as otherwise required by law.
• 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 may share Earnin Cash Back Rewards transaction data as follows:
• With the participating merchant where a transaction occurred as needed for the merchant to confirm a specific transaction occurred or rewards should be awarded;
• With participating merchants or Third Party Service Providers as aggregated and anonymized information relating specifically to registered card activity solely to allow participating merchants and Third Party Service Providers to assess the results of their campaign
• In order to respond to a request from government authority or a payment organization involved in a transaction with you or a merchant.

4. Security

We take reasonable measures, including firewall barriers, SSL encryption techniques, and authentication procedures, to help protect personal information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. 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.

5. Email communications

We may provide our registered customers with summaries of their Account Information and email alerts. 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.

Subscribers have the ability to opt out of receiving our promotional emails and to terminate their newsletter subscriptions by following the instructions in the emails. Opting out in this manner will not end transmission of service-related emails, such as email alerts.

6. Changes to your personal information

If you wish to access personal information that you have submitted to us or to request the correction of any inaccurate information you have submitted to us, you may correct certain information via your user account. Alternatively, you can send an email that includes your contact information to support@earnin.com to request any corrections to your personal information.

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.

7. California privacy rights

California Civil Code Section 1798.83, also known as the "Shine The Light" law, permits our customers who are California residents to request and obtain from us once a year, free of charge, information about the personal information (if any) we disclosed to third parties for direct marketing purposes in the preceding calendar year. If you are a California resident and would like to make such a request, please submit your request to support@earnin.com. In your request, please attest to the fact that you are a California resident and provide a current California address for our response. Please be aware that not all information sharing is covered by the California Privacy Rights requirements and only information on covered sharing will be included in our response.

8. Changes to privacy policy

We reserve the right, at our discretion, to make changes to this Privacy Policy from time to time, so please review it frequently. You may review updates to our Terms of Service and Privacy Policy at any time via links on www.earnin.com. You agree to accept electronic communications and/or postings of revised versions of this Privacy Policy on www.Earnin.com or through the Earnin App and agree that such electronic communications or postings constitute notice to you of the revised version of this Privacy Policy. Changes take effect immediately upon posting.

Got Questions?

If you have questions or concerns regarding this statement, or if you have any questions or suggestions, please contact support@earnin.com.