Effective Date: 1 August 2026
Welcome to HAVN.
These Terms and Conditions ("Terms") govern your access to and use of the HAVN platform, including the HAVN mobile application, website, digital wallet, Earned Wage Access ("EWA"), payment services, debit card, merchant rewards, payroll-linked services, and any other products or services provided by HAVN ("Services").
By creating a HAVN account or using any HAVN Service, you agree to be bound by these Terms.
If you do not agree with these Terms, you must not use the Services.
HAVN is a financial technology company that provides digital financial services designed to improve financial wellbeing for working people.
HAVN is not a bank. Banking services, where applicable, are provided by licensed financial institution partners under their respective account agreements.
To use HAVN you must:
HAVN may suspend or refuse access where required by law or where fraud, misuse, or security concerns exist.
You are responsible for maintaining the confidentiality of your login credentials. You agree to:
You remain responsible for all activity occurring under your account.
To comply with applicable laws, HAVN and its banking partners may verify your identity before providing certain Services. You authorize HAVN to conduct:
Failure to complete verification may limit access to certain Services.
What EWA Is. HAVN's Earned Wage Access feature allows eligible members to access part of the wages they have already earned, before their regular payday. EWA is not a loan, not a line of credit, and not any other form of credit facility. HAVN simply provides early access to wages that have already been earned but not yet paid by an employer. HAVN does not perform credit checks for EWA and does not report EWA activity to consumer credit reporting agencies.
Eligibility. Eligibility depends on factors including:
HAVN may modify eligibility requirements at any time.
Access Limits. Eligible members may access up to 30% of their weekly net earned wages, subject to:
Members cannot access wages that have not yet been earned.
Example: A member earns $673 during the week. Their maximum available EWA is 30%, or $201.90, available across a maximum of two withdrawals. If midway through the week they have earned only $100, the maximum available at that time is $100. As additional wages are earned during the week, the available amount increases, subject to the overall weekly limit.
No Fees or Interest. HAVN believes workers should never pay to access money they have already earned. Accordingly: no fees; no interest; no subscription charge for EWA; no expedited transfer fee; no mandatory or optional tips; no hidden charges of any kind. Members always receive the full amount they choose to access.
Automatic Repayment. Amounts accessed through EWA are automatically reconciled from the member's wages on their normal payday through payroll. Members authorize HAVN and its banking or payroll partners to facilitate this automatic repayment process.
Non-Recourse. HAVN's Earned Wage Access is non-recourse. If the wages supporting an EWA transaction do not become payable for any reason, HAVN will not:
HAVN may temporarily suspend future access to EWA until eligibility is restored.
Availability. HAVN cannot guarantee that EWA will always be available. Availability depends on payroll information, employer participation, technical systems, fraud prevention, and legal or regulatory requirements.
The HAVN Wallet enables eligible members to: receive payroll deposits; store available funds; make purchases; receive refunds; send payments where available. Wallet functionality may differ depending on jurisdiction and banking partner.
Where offered, HAVN debit cards are issued by licensed banking partners. Card use is subject to the applicable cardholder agreement issued by the card issuer. Members must report lost or stolen cards promptly.
HAVN members may receive merchant offers, cashback, discounts, or rewards from participating merchants. Merchant promotions: may change without notice; are offered subject to availability; remain subject to the merchant's own terms. HAVN is not responsible for the quality of goods or services supplied by merchants.
You agree not to: engage in fraud; provide false information; misuse the platform; interfere with security; violate applicable laws; use HAVN for money laundering or illegal activity. HAVN may suspend or terminate accounts where misuse is identified.
You consent to receive statements; notices; disclosures; security alerts; service updates — electronically through the HAVN app, website, SMS, or email.
Your personal information is handled in accordance with the HAVN Privacy Policy. By using HAVN you consent to the collection, use, storage, and disclosure of your information as described in that policy.
All software, trademarks, logos, graphics, branding, designs, content, and technology comprising HAVN remain the exclusive property of HAVN or its licensors. Nothing in these Terms grants ownership rights to users.
HAVN strives to provide uninterrupted Services but cannot guarantee continuous availability. Services may be interrupted by: maintenance; banking partner outages; telecommunications failures; payment network interruptions; cyber incidents; force majeure events.
HAVN may suspend or terminate access where: required by law; fraud or misuse is suspected; security is compromised; these Terms are materially breached. Members may close their account at any time, subject to the completion of outstanding transactions.
To the fullest extent permitted by law, HAVN is not liable for indirect, incidental, special, consequential, or punitive damages arising from the use or inability to use the Services. Nothing in these Terms limits liability where such limitation is prohibited by law.
You agree to indemnify and hold harmless HAVN, its affiliates, officers, employees, contractors, banking partners, and service providers from claims, losses, damages, or expenses arising from: your misuse of the Services; your breach of these Terms; your violation of applicable law.
HAVN may introduce, modify, suspend, or discontinue features or Services from time to time. Where legally required, members will receive notice of material changes.
HAVN may update these Terms periodically. The latest version will always be made available through the HAVN website or application. Continued use of the Services after updated Terms become effective constitutes acceptance of those changes.
These Terms are governed by the laws specified in the applicable HAVN service agreement and any applicable federal laws of the United States.
Questions regarding these Terms may be directed to:
HAVN
Email: legal@wearehavn.com
Website: www.wearehavn.com
HAVN is committed to complying with all applicable laws and regulations governing its Services, including requirements relating to:
Members agree to cooperate with reasonable compliance requests where required by law.
These Terms, together with the Privacy Policy and any applicable banking partner agreements, constitute the entire agreement between HAVN and the member regarding the Services and supersede all prior understandings relating to the Services.