How Do You Protect My Personal Information?

We take appropriate security measures including physical, electronic and procedural measures to help safeguard your personal information from unauthorized access and disclosure. In addition, we use encryption in the transmission of your sensitive Personal Information between your system and ours, and we use firewalls to help prevent unauthorized persons from gaining access to your Personal Information.

Users should avoid sending Personal Information through insecure email.

To protect your privacy and security, never share your username or password and always log out of the Services as soon as you are finished using the service.

The Payment Card Industry Data Security Standard (PCI-DSS) aims to enhance security for consumers by setting guidelines for any company that accepts, stores, processes, or transmits credit card information — regardless of the number of transactions or the size of those transactions. This is a requirement industry wide to ensure every business is doing their part to protect their consumers.

Is My Wage Advance A Loan Or Not?

No, your Wage Advance is not a loan. It is an advance on your earned wages. This service allows you to easily cover your expenses without taking out a loan or incurring high interest debt.

According to the Consumer Financial Protection Bureau (“CFPB”), in its frequently asked questions and under 12 CFR §1041.3(d)(7), advances of wages are not credit and are thus excluded from the Payday Lending Rule provided that (1) the advance is made by a company that provides consumer financial products as part of the employers benefits program; (2) the advance is extended to the employer’s employee; and (3) the advance is made only against the accrued cash value of any wages the employee has earned up to the date of the advance.

Do You Report My Wage Advance To Any Of The Credit Bureaus?

No. Any wage advance you request is not reported to any of the credit bureaus as these are not considered loans as defined by the Consumer Financial Protection Bureau (“CFPB”).

Does My Employer Or Boss Know About My Wage Advance?

We work directly with your HR and Payroll Departments to communicate the wage advance request. These requests are then deducted from the paycheck issued by your company on your next payroll. We encourage you to reach out to your HR representative and inquire who will know within your company.

How Much Money Can I Request In A Single Transaction?

The total amount of money you may request depends on a couple of factors. First, it will depend on the wages you have earned since your last pay date until today, and secondly, what type of membership you have.

If you have a free membership, then you can borrow up to 50% of your net earned wages since your last pay date. Within a single pay period there is not a maximum number of requests you can make, however, the available amount for request will be capped at 50% of you currently net earned wages since you last pay date.

If you have a premium membership, you can request up to 100% of your net earned wages since you last pay date. Within a single pay period there is not a maximum number of requests you can make however, your available amount for request will be capped at 100% of you currently net earned wages since you last pay date.

Can I Ask For A Wage Advance More Than Once In The Same Pay Period? Is There A Limit?

There is not a maximum number of requests you can make during the same pay period, however your available amount for request will be capped at 50% of your current net earned wages since you last pay date if you have a free membership or 100% if you have a premium membership.

When Are The Funds Available In My Account?

When you make a wage advance request, There are two options, “Standard” and “Express”, for when the funds in your account will be available. With the Standard option then funds will be deposited in your account within 1 – 3 business days. The Express option will make funds available in you account within 1 hour regardless of the time and day you make the request.

How And When Is My Wage Advance Repaid?

We are in direct communication with your Payroll Department. This allows us to keep current with requests made during each pay period. Your employer will process a deduction from your paycheck for the total amount that was advanced including, transaction fees. Your employer will then send us the funds to repay those wage advances we made available to you. There is no action you need to take or do.

Is The Tip Mandatory?

Tips are completely optional! Pay what you think is fair, or don’t pay at all, it’s up to you. If you find our service helpful, just let us know with a TIP. We depend on the community support by tipping so that we may continue to improve and provide this service to you.

Is There Any Discrimination Or Different Treatment If I Do Not Tip?

Tips are optional, and as such, do not impact eligibility or availability whatsoever on how you access our services. Your access is only affected by the type of membership you have. We do not even keep track of who provided a TIP or not at an individual level or associated it to a profile.

How Does The Cash Back Service Work?

Our platform helps you earn cash rewards while shopping online. Through a network of affiliate businesses, Multikrd offers customers the possibility to shop with nearly 5,000 U.S. online retailers.

What Retailers Does Multikrd Work With?

We have established partnerships with more than 5,000 retailers. . Walmart, Target, AliExpress, KOHL’s, Best Buy, The Home Depot, and many-many more… Browse through the “Cash Back Opportunities” section to find and bookmark your favorite ones.

Will I Be Charged For This Service?

Cash back is a complimentary service for both free and premium members.

How Much Cash Back Will I Receive?

The cash back you will receive depends on your membership level. If you are a premium member, you will receive 1.5x the standard cash back per qualifying purchase. If you are at highest level, you will receive 2x cash back points per qualifying purchase. You can always purchase a badge and increase the amount of cash back to reach a higher level!

How Can I Find A Participating Store?

There are several ways. You can search by going to the “Cash Back Opportunities” section. Our search function allows our members to find their favorite store by name.

What Browsers Does Multirkd Service Support?

To ensure a seamless experience and accurate geo-location tracking, it is recommended that the purchase is placed through the latest version of these four browsers: Google Chrome, Mozilla Firefox, Safari by Apple, or Microsoft Edge.

What Does “Pending”, “Available” and “Total Earned” Statuses Mean?

• “Pending” status indicates that a transaction has been tracked, and it is in the process of being verified (and approved) by the brand.
• “Available” means that Multikrd has received the cash back rewards from the retailer, and you may now withdraw, use it or donate it.
• “Total Earned” reflects the total cash back rewards that you’ve earned in the course of using our platform.

What Purchases Are Not Eligible For Cash Back?

Depending on the agreement with the store, some purchases may not be eligible for cash back for example, purchases of gift cards, white glove delivery, refurbished items, etc. You can identify these terms by checking the store-specific disclaimers and promotion rules found on the specific retailer page.

How May I Withdraw The Money?

There are two options to withdraw the cash back rewards either “Standard” or “Express”. With the Standard option funds will be deposited in your account within 1 – 3 business days. With the Express option funds will be available in your account within 1 hour regardless of the time and day you make the request. Of course, you can always support your local, favorite non-profit organizations by choosing to donate your earned cash back.