Cookie Notice

Effective date: April 24, 2023

This Cookie Notice is incorporated into the EarnIn Privacy Policy. Capitalized terms not defined here have the meaning assigned to them in the Privacy Policy.

  • What Type of Tracking Technologies Does EarnIn Use?

    • Cookies. EarnIn and certain trusted service providers operating on our behalf may collect information about Your activity on the Site using tracking technologies, such as cookies, pixel tags, web beacons, and log files (collectively “Cookies”). This information is used to improve the delivery of the Site and Services and tailor marketing and Service communications to You.

    • Location. EarnIn collects, tracks 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 to provide specific products and communications relevant to Your location. This may result in EarnIn using Your location when You do not have the Site open.

  • What are Cookies?

    Cookies are small text files that websites send to Your computer or other Internet-connected devices to uniquely identify Your browser or to store information or settings in Your browser. Cookies allow Us to recognize You when You return. They also help Us provide a customized experience and can enable Us to detect fraud.

  • What Types of Cookies Does EarnIn Use and for What Purpose?

    • Strictly necessary cookies. Used by Us to support the basic operations of Our Site. They enable core Site functions, such as authentication, security, and network management. You may be able to disable strictly necessary cookies by changing Your browser settings, but this may affect how the Site functions. Hence, We cannot guarantee that Our Site will function properly if you block strictly necessary cookies.

    • Performance, site experience and operation cookies. Used by Us and/or Our service providers to manage Our Site. These cookies may collect analytics about Site visitors and Site usage. These cookies do not collect any information that could identify You.

    • Marketing and personalization cookies. Used by EarnIn and Our advertising network to enable social sharing and to deliver interest-based ads to You online.

      • Social media cookies.Used by EarnIn and social media platforms to enable users of the platforms to share content across our Site. We also work with social media platforms to deliver ads to You when you use these platforms. This targeting is done by the platform under its own terms of use.

      • Targeting cookies.Targeting cookies enable Our advertising network partners to recognize when You are visiting other websites and these cookies allow these partners to deliver targeted ads or other marketing messages to You.

  • What are Pixel Tags and Web Beacons?

    Pixel tags (also called web beacons) are tiny graphic images and small blocks of code placed on website pages, ads, or in emails that allow Us to determine whether you have performed a specific action. When you access the Site or You open an email, the tag lets us know You have accessed the web page or opened the email. These tools allow us to measure response to Our communications and improve Our web pages and promotions.

  • What are Server Logs?

    Server logs record activities on Our Site. Other types of logs collect similar information from Our apps. These logs record information about the device You Use to access Our Site, Your operating system type, browser type, domain, and other system settings, as well as the language Your system uses and the country and time zone where Your device is located. Our logs also record the IP address of the device You use to connect to the Internet. An IP address is a unique identifier that devices require to identify and communicate with each other on the Internet. We may also collect information about the website You were visiting that directed You to Our Site.

  • What are Your Choices with Respect to Tracking Technologies?

    • Cookies. You can manage cookies and delete cookies from EarnIn and other companies using Your browser settings. Bellow are some helpful links to help You manage Your device cookie settings:

      Targeting Advertising. You can opt-out of targeting cookies by following Our advertising network partner’s instructions using the links below:

      Groups representing members of the advertising industry (the Digital Advertising Alliance and the Network Advertising Initiative) also have free opt-out tools. If You want to opt-out, be sure to opt-out on each device and browser.

    • Location. 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) may not properly function when You try to use them.

    • California residents may have additional privacy rights. Please refer to Our Privacy Policy for more information.

    • Click here for more information about how to protect Your privacy online.

EarnIn is a financial technology company, not a bank. Bank products are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

1Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs.

2Fees apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

1Restrictions on use of Services and/or third party fees may apply, see earnin.com/privacyandterms for details.

2Balance Shield cash out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/privacyandterms.

3Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% APY and $0 monthly fee service. Other restrictions and/or third party fees may apply, see earnin.com/privacyandterms for details.

1Fees may apply to use Lightning Speed. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see  Earnin.com/TOS for details.

2Restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

3Balance Shield cash out is subject to your available earnings and your daily pay period max. Other restrictions and/or third party fees may apply, see Earnin.com/TOS for details.

4Tip Yourself Account funds are held with Evolve Bank & Trust, Member FDIC and are insured by the FDIC up to the standard maximum deposit insurance amount per depositor, per FDIC-insured bank, and per ownership category. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Other restrictions and/or third party fees may apply. For more information/details visit earnin.com/tos.

5Up to two days early is based on comparison with traditional banks. Exact timing is dependent on your employer’s payroll policies. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

6Your Max on Earnin Express is up to 80% of your payroll or $1000, whichever is less. The 80% is dependent on you routing your full paycheck to Earnin Express. For more information on eligibility and requirements of Earnin Express, visit Earnin.com/TOS.

7Learn how we collect and use your information by visiting our Privacy Policy.

1Disclaimer: Restrictions and/or third party fees may apply, see earnin.com/privacyandterms for more details. Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection.

2Disclaimer: Lightning Speed may not be available to all Community Members. Cash Outs may take up to thirty minutes, actual transfer speeds will depend on your bank connection. Restrictions and/or third party fees may apply, see earnin.com/privacyandterms for details

3Disclaimer: Community Member must have had at least 1 successful debit with EarnIn. Limit to 1 Max Boost per pay period. A boost will not adjust a Community member's daily max. Restrictions may apply, see earnin.com/privacyandterms for more details

*Disclaimer: Balance Shield Cash Out is subject to your available earnings and daily pay period max. Other restrictions and/or third party fees may apply. For more information visit earnin.com/privacyandterms

1Restrictions may apply, see earnin.com/privacyandterms for more details. Tip Yourself Account funds are held with Evolve Bank & Trust, member FDIC and FDIC insured up to $250,000. Tip Yourself is a 0% Annual Percentage Yield and $0 monthly fee service. Your Tip Yourself Account and any Tip Jars are not Savings Accounts. For more information/details visit earnin.com/privacyandterms

2Disclaimer: NO PURCHASE NECESSARY TO ENTER OR WIN. Must be 18 years of age or older and a legal resident of the U.S. or DC. Games begin each Sunday starting 12/6/20 at 9:01 p.m. ET and end the following Monday at 9:00 p.m. ET with the last Game ending 12/19/21. To download the App, view the Official Rules, odds disclosures, prize details, and alternate means of entry, visit https://www.Earnin.com/wewin/game-rules/. Void where prohibited. $10,000,000 grand prize payable over 29 years. Sponsor: Activehours, Inc. (d/b/a Earnin), 200 Portage Ave, Palo Alto, CA 94306.

3Disclaimer: Restrictions Apply. See Earnin.com/wewin/pool-rules/ for more information

1EarnIn does not charge a hidden or mandatory fee for use of its services. Restrictions and/or third party fees may apply. For more info: visit earnin.com/TOS.

*Survey conducted in February 2020 with 889 participants.

* Earnin does not charge hidden fees for use of its services. Restrictions and/or third-party fees may apply. For more info, visit earnin.com/TOS.

1EarnIn is a financial technology company, not a bank. The Deposit Account, Secured Account, and EarnIn Card are issued by Evolve Bank & Trust, Member FDIC. The EarnIn Card is issued pursuant to a license from Visa USA Inc.

2Subject to your available earnings, Daily Max and Pay Period Max. Restrictions and/or third party fees may apply, see EarnIn.com/TOS for details.

3Internal analysis conducted by EarnIn in January 2021, represents total users who Cashed Out at least once from January 1 to December 31, 2020

4This research was conducted online by FTI Consulting’s Digital & Insights team, on behalf of Brigit, MoneyLion & EarnIn. FTI Consulting researched n=4,735 of Brigit, MoneyLion and EarnIn’s Direct to Consumer (D2C) Early Wage Access service consumers between the dates of April 21st, 2021 – May 18th, 2021, and results were weighted in equal proportions to ensure equal representation among the consumers of each participating company. Due to the standard convention of rounding, some totals may not add up to 100%

5Internal survey conducted in February 2020 with 889 participants.

6EarnIn does not charge hidden or mandatory fees for use of its services. Restrictions and/or third party fees may apply. For more info visit earnin.com/TOS

7$4.68 ATM fee = $3.02 ATM + $1.66 bank fee https://www.bankrate.com/banking/checking/checking-account-survey/

8Internal data June 2022- Dec. 2022.

* EarnIn does not charge hidden fees for use of its services. Restrictions and/or third-party fees may apply. For more info, visit earnin.com/TOS.

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