Short Privacy Notice

Community Members Specific Privacy Rights - Short Privacy Notice

Rev. September 29, 2023

FACTS	WHAT DOES ACTIVEHOURS, INC. d/b/a EarnIn DO WITH YOUR PERSONAL INFORMATION?
Why?	Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What?	The types of personal information we collect and share depend on the product or service you have with us. This information can include: Account information and balances Employment and Income information Transaction information and history Government ID numbers, such as Social Security Numbers
How?	All financial companies need to share their members’ personal information to run their everyday businesses. In the section below, we list the reasons financial companies can share their consumers’ and customers’ personal information; the reasons EarnIn chooses to share; and whether you can limit this sharing.

FACTS

WHAT DOES ACTIVEHOURS, INC. d/b/a EarnIn DO WITH YOUR PERSONAL INFORMATION?

Why?

Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.

What?

The types of personal information we collect and share depend on the product or service you have with us. This information can include:

Account information and balances
Employment and Income information
Transaction information and history
Government ID numbers, such as Social Security Numbers

How?

All financial companies need to share their members’ personal information to run their everyday businesses. In the section below, we list the reasons financial companies can share their consumers’ and customers’ personal information; the reasons EarnIn chooses to share; and whether you can limit this sharing.

Reasons we can share your personal information	Does EarnIn share?	Can you limit this sharing?
For our everyday business purpose – such as to process your transactions, maintain your account(s), or respond to court orders and legal investigations	Yes	No
For our marketing purposes	Yes	No
For joint marketing with other financial companies	Yes	No
For our affiliates' everyday business purposes - information about your transactions and experiences	Yes	No
For our affiliates to market to you	No	We don’t share
For nonaffiliates to market to you	No	We don’t share

Questions?	Email us at privacy@EarnIn.com or visit EarnIn.com

Who we are
Who is providing this notice?	EarnIn is providing this privacy notice, which is applicable to all products and services offered to all EarnIn members.

What we do
How does EarnIn protect my personal information?	To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards. These measures include computer safeguards and secured files and buildings. We 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 and EarnIn agents who require it to fulfill their job or contractual responsibilities.
How does EarnIn collect my personal information?	We collect your Personal Information, for example, when you: Open an EarnIn account or provide account information Give us your contact, income and financial information When you use EarnIn products or services We also collect your personal information from others, such as credit bureaus, affiliates and other companies.
Why can't I limit all sharing?	Federal law gives you the right to limit: Affiliates using your information to market to you Sharing for nonaffiliates to market to you Sharing for joint marketing with other financial companies State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

What we do

How does EarnIn protect my personal information?

To protect your personal information from unauthorized access and use, we use security measures that comply with industry standards. These measures include computer safeguards and secured files and buildings. We 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 and EarnIn agents who require it to fulfill their job or contractual responsibilities.

How does EarnIn collect my personal information?

We collect your Personal Information, for example, when you:

Open an EarnIn account or provide account information
Give us your contact, income and financial information
When you use EarnIn products or services

We also collect your personal information from others, such as credit bureaus, affiliates and other companies.

Why can't I limit all sharing?

Federal law gives you the right to limit:

Affiliates using your information to market to you
Sharing for nonaffiliates to market to you
Sharing for joint marketing with other financial companies

State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.

Definitions
Affiliates	Affiliates are companies related to EarnIn by common ownership or control. They can be financial and nonfinancial companies such as: Earnin Activehours 1 LLC Activehours-Courage LLC Earnin Canada Inc.
Nonaffiliates	Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with can include banks, payment processors, service providers (including Financial Partners), credit reporting agencies, and other third parties with your consent.
Joint Marketing	A formal agreement between nonaffiliated financial companies that together market financial products or services to you. Evolve Bank & Trust, Member FDIC.

Definitions

Affiliates

Affiliates are companies related to EarnIn by common ownership or control. They can be financial and nonfinancial companies such as:

Earnin Activehours 1 LLC
Activehours-Courage LLC
Earnin Canada Inc.

Nonaffiliates

Companies not related by common ownership or control. They can be financial and nonfinancial companies.

Nonaffiliates we share with can include banks, payment processors, service providers (including Financial Partners), credit reporting agencies, and other third parties with your consent.

Joint Marketing

A formal agreement between nonaffiliated financial companies that together market financial products or services to you.

Evolve Bank & Trust, Member FDIC.

Other important information
FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about you with nonaffiliated third parties, except as permitted, such as to process your transactions, to maintain your account, or with your Opt-In consent. FOR CALIFORNIA RESIDENTS: Unless you provide Opt-In, we will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by federal and California law. FOR NEVADA RESIDENTS: Nevada law requires that we provide you with the following contact information. Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us. Please refer to our Privacy Policy for a detailed description of your privacy rights.

Other important information

FOR VERMONT RESIDENTS: In accordance with Vermont law, we will not share information we collect about you with nonaffiliated third parties, except as permitted, such as to process your transactions, to maintain your account, or with your Opt-In consent.

FOR CALIFORNIA RESIDENTS: Unless you provide Opt-In, we will not share information we collect about you with nonaffiliated third parties, except as permitted by California law, such as to process your transactions or to maintain your account. We will limit sharing among our companies to the extent required by federal and California law.

FOR NEVADA RESIDENTS: Nevada law requires that we provide you with the following contact information. Nevada Attorney General, 555 E. Washington Ave., Suite 3900, Las Vegas, NV 89101, phone number (702) 486-3132, email BCPINFO@ag.state.nv.us.

Please refer to our Privacy Policy for a detailed description of your privacy rights.

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.

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