These Survey Offer Terms ("Survey Offer Terms") apply to your participation in EarnIn's survey rewards program (the "Survey Rewards Program") and are in addition to any other agreements you may have with EarnIn, including the
EarnIn General Terms and Conditions, as well as the agreement you have with our applicable bank partner, including:
Evolve Bank & Trust
Lead Bank
(each, a "Bank Partner Terms," and collectively with the EarnIn General Terms and Conditions, the "Terms"). By participating in the Survey Rewards Program, you agree to be bound by these Survey Offer Terms, which are incorporated by reference and may be updated from time to time.
Eligibility
To be eligible for the Survey Rewards Program, you must be at least eighteen (18) years old, agree to the TapResearch
Terms and Conditions (including the
TapResearch Privacy Policy), an active savings product account with the applicable bank partner ("Savings Product"), and complete the required surveys through the TapResearch platform. While you're free to start completing surveys and begin accruing rewards without a Savings Product, you will not earn your cash reward and won't be able to transfer your cash rewards to your linked bank account without an active Savings Product.
A survey is only eligible to earn a reward once TapResearch determines, in its sole discretion, that you have provided genuine responses to all required questions and completed any other steps required to finish the survey (a "Completed Survey"). Surveys that are incomplete, or that TapResearch determines to be fraudulent, automated, or not genuinely completed by you, will not be treated as a Completed Survey, will not earn a reward, and any reward already accrued for such a survey may be forfeited.
Additionally, you do not acquire property or any other rights in any accrued rewards until you meet all eligibility requirements including opening an account with an applicable bank partner.
If you elect to open a Savings Product (i.e. a Tip Yourself account or Savings Jar) through any of our banking partners (i.e. Evolve Bank & Trust ("Evolve") or Lead Bank ("Lead")), additional eligibility criteria may apply, which will be disclosed to you prior to opening.
How to Keep Your Rewards from Expiring
To keep your cash rewards from expiring, you must open a Savings Product within sixty (60) calendar days of the date your most recent cash reward was accrued.
Each time you accrue a new cash reward, the 60-day expiration window resets for all previously accrued cash rewards. This means that your entire accrued cash reward balance will remain active as long as you accrued at least one new reward within any 60-day period or you open a Savings Product.
If you do not accrue a new reward or open a Savings Product within any 60-day period, all accumulated rewards will expire and be forfeited. Once you open a Savings Product, your accrued cash rewards will no longer expire.
Example: If you accrue a reward on June 1 but don't open a Savings Product or accrue another reward by July 31, your cash reward will expire. However, if you accrue another reward on June 15, the 60-day expiration clock resets. Now, both your June 1 and June 15 rewards will remain active until August 14, or you open a Savings Product by then.
When Rewards Are Available to be Cashed
Once you've opened your Savings Product, any eligible cash rewards will be credited into your Savings Product and available for transfer by 5 p.m. ET on the business day after you earned the reward, unless we notify you otherwise.
Promotional Offers
Periodically, EarnIn may provide time-sensitive incentives (each a "Promotional Offer"). These Promotional Offers remain valid for a restricted duration as advertised and are subject to modification or termination in accordance with their respective terms.
Availability of Survey Offers
The availability, frequency, and value of Survey Offers are determined solely by TapResearch, in its sole discretion, and are not guaranteed. EarnIn does not guarantee that you will receive any particular number of Survey Offers, or that you will earn any particular amount of cash rewards (or any amount at all) through the Survey Rewards Program.
Right to Suspend Participation and Cancel Rewards
EarnIn reserves the right to limit, suspend, or terminate your participation in the Survey Rewards Program at any time, and to cancel or void any unredeemed or pending rewards if, in our sole discretion, we determine that you've violated the Terms. All determinations made by EarnIn regarding your participation in the Survey Rewards Program will be considered final and binding.
Program Changes and Availability
Availability of the Survey Rewards Program may be interrupted at any time and for any reason. We may modify, suspend, or end the Survey Rewards Program at any time, with or without notice. This includes changes to reward types, eligibility, earning limits, and frequency. We may correct errors or revoke rewards granted by mistake or without meeting the Terms. Unless stated otherwise, changes apply to all rewards — past, present, and future. Rewards are only valid once all requirements are met and Terms are followed.
EarnIn is not responsible for your relationship with TapResearch including but not limited to any errors, omissions, or issues related to the TapResearch platform or its content. When you interact directly with TapResearch's survey platform to complete a Survey Offer, TapResearch may independently collect certain information from you and act as an independent controller of that information under its own privacy practices, as described in the TapResearch Privacy Policy, separate from EarnIn's use of your information as described in the EarnIn Privacy Policy.
No Bank Sponsorship
Neither Evolve Bank & Trust nor Lead Bank sponsors or administers the Survey Rewards Program, and neither is responsible for the availability or content of surveys, determinations of survey completion, or disputes arising from the Survey Rewards Program.
No Employment Relationship
Participation in the Survey Rewards Program does not establish an employment relationship between the participant and EarnIn.
Tax Implications
If you receive more than $2,000.00 in rewards in a calendar year from EarnIn across any of our rewards, promotions, marketing compensation, credit balance forgiveness, or other programs, we're required to report it to the IRS and provide you with the applicable form. Please consult a tax advisor if you have questions about how this may affect your taxes.
Support
If you have a question or issue related to surveys, start with TapResearch, since they manage the surveys directly.
Open the TapResearch integration in the EarnIn app, go to Settings, select Help, and choose Submit Support Request.
For further assistance, you can reach the EarnIn Care team at
care@earnin.com.
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