EarnWell Terms and Conditions

WARRANTIES & DISCLAIMERS
There are no warranties implied.

EarnWell, Inc. (“EarnWell”) is a registered investment adviser located in Los Angeles, CA. EarnWell may only transact business in those states in which it is registered, or qualifies for an exemption or exclusion from registration requirements. EarnWell’s web site is limited to the dissemination of general information pertaining to its advisory services, together with access to additional investment-related information, publications, and links. Accordingly, the publication of EarnWell’s web site on the Internet should not be construed by any consumer and/or prospective client as EarnWell’s solicitation to effect, or attempt to effect transactions in securities, or the rendering of personalized investment advice for compensation, over the Internet. Any subsequent, direct communication by EarnWell with a prospective client shall be conducted by a representative that is either registered or qualifies for an exemption or exclusion from registration in the state where the prospective client resides. For information pertaining to the registration status of EarnWell, please contact the state securities regulators for those states in which EarnWell maintains a registration filing. A copy of EarnWell’s current written disclosure statement discussing EarnWell’s business operations, services, and fees is available at the SEC’s investment adviser public information website – www.adviserinfo.sec.gov or from EarnWell upon written request. EarnWell does not make any representations or warranties as to the accuracy, timeliness, suitability, completeness, or relevance of any information prepared by any unaffiliated third party, whether linked to EarnWell’s web site or incorporated herein, and takes no responsibility therefor. All such information is provided solely for convenience purposes only and all users thereof should be guided accordingly.

This website and information are provided for guidance and information purposes only. Investments involve risk and unless otherwise stated, are not guaranteed. Be sure to first consult with a qualified financial adviser and/or tax professional before implementing any strategy. This website and information are not intended to provide investment, tax, or legal advice.

PRIVACY POLICY

Investment advisers are required by law to inform their clients of their policies regarding privacy of client information. We are bound by professional standards of confidentiality that are even more stringent than those required by law. Federal law gives the customer the right to limit some but not all sharing of personal information. It also requires us to tell you how we collect, share, and protect your personal information.

Your privacy is important to EarnWell. We will never sell your information to anyone. Above all, we’re here to help. If something in this policy does not make sense or if you have any questions or concerns, please contact us at support@earnwell.co.

TYPES OF NONPUBLIC PERSONAL INFORMATION (NPI) WE COLLECT
We collect nonpublic personal information about you that is either provided to us by you or obtained by us with your authorization. This can include but is not limited to your Social Security Number, Date of Birth, Banking Information, Financial Account Numbers and/or Balances, Sources of Income, and Credit Card Numbers or Information. Additionally, we collect digital and device-related information (including IP address). We may also collect information if you engage with EarnWell on social media platforms. We use all of this information to inform our investment decisions for your account and to provide you with a high-quality experience using the EarnWell website and digital application. If you are a former customer, we follow these same policies and treat your information with the same care as a current customer.

Cookies
Cookies are small pieces of data stored on your computer or digital device. We use cookies to customize your experience with EarnWell, and may store some personal information in a cookie to enhance the usability of our website or for marketing purposes. When you use the EarnWell website or application, we may use cookies and similar technologies like pixels, web beacons, and local storage to collect information about how you use EarnWell and provide features to you. We may ask advertisers or other partners to serve ads or services to your devices, which may use cookies or similar technologies placed by the third party or us.

Advertising Companies
EarnWell advertises our services on websites third party websites not affiliated with EarnWell. These third-party advertising companies, and similar data providers, may use cookies and other technology tools to collect web navigational information, including device type, IP address, and webpages visited.  We do not provide any information to these advertising companies that could personally identify our users or clients, and they do not collect such information for us.

EarnWell and third-party advertising companies may use this data to personalize ads and content while you use EarnWell or other sites. If you prefer to not receive targeted advertising, you can opt out of some network advertising programs by visiting the NAI Opt-Out Page.

Analytics Services
We use third-party analytics services, to collect information about the usage of this site, including how frequently users visit this site, which pages users visit, and what other sites they visit prior to using this site. We use this information to improve the user experience of this site. The analytics services may record the IP address used on the date you visit this site, along with other non-identifying information (e.g. browser and device type). The analytic services do not register your name or other personally identifiable information. The third part analytics services’ use of this information is governed by their own terms of use and privacy policies.

Disabling cookies on your browser will prevent analytic services from recognizing you on subsequent visits to this site.

How We Use Your Personal Information
EarnWell uses your personal information to improve the browsing experience, operate your account in compliance with US law, understand how customers use our website and app, maintain security of EarnWell and better target advertising of EarnWell’s services.

EarnWell may compile or aggregate some of your personal information into reports for internal and external purposes. When doing so, all of the information is anonymized so that no specific customer is identifiable.
We may also use your personal information to contact you regarding services we offer. If you do not wish to receive these types of marketing communications from EarnWell, please click the “unsubscribe” link at the bottom of any such email message. Please note that if you maintain an account with EarnWell, you cannot opt-out of certain communications related to the administration of your account (e.g. billing and regulatory notifications).

How We Share Your Information
We do not sell your personal information to any third parties without your consent or as required by law. We may share your personal information with third parties who perform services on our behalf, to provide financial services associated with everyday business practices (e.g. consumer identification verification services, and certain marketing vendors and analytic services that provide services on our behalf). We have entered into agreements that require that these third parties keep this information confidential. We may also need to disclose your information to other third-party financial institutions (e.g. in the event of an account transfer). We may also disclose personal information due to a court order or subpoena, or as required by law.

How we protect your information
EarnWell has significant measures in place to protect the security of your personal information. We use the strongest browser encryption available, our data is stored on servers in secure facilities, and we have systematic processes for securing and storing data. Access to your personal information is limited only to employees with authorization, who need the information to perform their jobs. If you close your account, we continue to follow these privacy policies. You are responsible for protecting the confidentiality of your EarnWell account and password and restricting access to your computer or device.

Your Rights as a California Resident
Residents of California have the right to request certain information from EarnWell, including the types of personal information we share with third parties for marketing purposes and the identities of the third parties with whom the business has shared such information during the immediately preceding calendar year. If you would like this information, you may make one request each year by emailing us at support@earnwell.co. Please include your full name and the email address you use for your EarnWell account.

Your Rights as a Vermont Resident
We do not share nonpublic personal financial information about Vermont residents to third parties except for our everyday course of business purposes or as otherwise permitted by law. Please contact us at support@earnwell.co if you would like to remove any authorization to share your nonpublic personal financial information. Please note that are not able to provide you with services through EarnWell without the ability to share this financial information.

International Site Visitors
EarnWell digital services are hosted in the United States. By providing your personal information as an international visitor, you are: permitting the transfer of your personal information to the United States which may have different data protection laws than the country where you reside; and permitting EarnWell to use your personal information in accordance with this privacy policy.

PARTIES TO WHOM WE DISCLOSE INFORMATION
All Investment Advisers may need to share personal information to run their everyday business. In the section below, we list the reasons that we may share your personal information:
For everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus;
For our marketing – to offer our products and services to you;
For joint marketing with other financial companies;
For our affiliates’ everyday business purposes – information about your transactions and experiences and information about your creditworthiness; or
For non-affiliates to market to you.

When you are no longer our customer, we remain bound by the terms described in this notice.

PROTECTING CONFIDENTIALITY OF CURRENT AND FORMER CLIENT’S INFORMATION
To protect your personal information from unauthorized access and use, we use security measures that comply with federal law, including computer safeguards and secured files and building.

FEDERAL & STATE LAW ALLOWS YOU TO LIMIT SHARING – OPTING OUT
Federal law allows you the right to limit the sharing of your NPI by “opting-out” of the following: sharing for non-affiliates’ everyday business purposes – information about your creditworthiness; or sharing with affiliates or non-affiliates who use your information to market to you. State laws and individual companies may give you additional rights to limit sharing. Please notify us immediately if you choose to opt out of these types of sharing.

DEFINITIONS: Affiliates – companies related by common ownership or control. They can be financial and non-financial companies; Non-affiliates – companies not related by common ownership or control. They can be financial and non-financial companies; Joint marketing – a formal agreement between non-affiliated financial companies that together market financial products or services to you