By indicating your assent to this authorization you authorize Activehours, Inc. d/b/a EarnIn, including its third-party processor (collectively, "EarnIn") to initiate (i) a one-time ACH debit from the linked external bank account you designate, or subsequently designate, in your EarnIn profile (the "Bank Account"), and/or (ii) a debit card charge to the debit card that you provide, or may subsequently provide, in your EarnIn profile (the "Debit Card") in The amount shall include (a) any Cash Out you request, plus any voluntary tip and Lightning Speed fee you select, and (b) any previously authorized Cash Out amounts including any voluntary tips and Lightning Speed fees that remain unpaid (collectively, the 'Total Debit Amount'). You authorize EarnIn to initiate such debit(s) at any time beginning two business (2) days before and ending two business (2) days after the date of your next paycheck. You further authorize Earnin to electronically debit or credit your Bank Account to correct any erroneous credit or debit.

You further authorize EarnIn to split the amount due under this authorization or combine the amount due with any other amount you owe EarnIn under a related electronic funds transfer authorization into a single ACH debit entry or debit card charge. If an ACH debit initiated under this authorization, including a combined debit, is returned unpaid for insufficient or uncollected funds, you authorize EarnIn to reinitiate that debit, for the same amount, on up to two (2) further occasions within 180 days of the settlement date of the original entry, consistent with the NACHA Operating Rules. EarnIn will not reinitiate a debit that is returned for any other reason, including a stop payment, unless you separately authorize the reinitiation or the reason for the return has been corrected. Notwithstanding EarnIn's authorization to initiate an ACH debit to recover any outstanding amount described above, EarnIn reserves the separate and independent right, at its option, to initiate a debit card transaction to your debit card on file to recover such outstanding amount instead of, in lieu of, or in combination with an ACH debit entry. EarnIn's choice to use one method of recovery does not waive, limit, or extinguish its right to use the other or combination of the two. In all instances, the debit card charge will be subject to applicable card network rules.

You acknowledge that the authorizations you provide in this Cash Out Debit Authorization will remain in effect until you notify EarnIn that you wish to revoke these authorizations. You acknowledge that you have no obligation to repay any Transfer Out and that the provision of Transfer Outs is governed by the Cash Out Terms of Service (https://www.earnin.com/privacyandterms/cash-out/terms-of-service).

You may revoke your authorizations by emailing care@earnin.com or by contacting the EarnIn team via live chat in the EarnIn mobile or web application. You must notify EarnIn at least three (3) business days before the scheduled debit date in order to cancel the authorization for that debit to allow Earnin reasonable time to act on your instructions. If EarnIn receives your notice revoking your authorizations less than three (3) business days before the scheduled debit date, EarnIn may attempt to cancel the debit transaction, but EarnIn will not be responsible if the debit is completed as scheduled.

You understand that revocation of this authorization will not apply to debit entries performed before the revocation becomes effective.