A financial technology company that provides point-of-sale installment loans and buy-now-pay-later services, allowing consumers to split purchases into scheduled payments over time. The company's policies are significant for consumers as they govern loan terms, interest rates, payment schedules, credit reporting practices, and how personal financial data is collected and shared with merchants and credit bureaus.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Affirm’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
Withdrawing consent carries a consequential risk of losing access to the account and services, which may affect ongoing financial arrangements.
This sweeping exclusion of liability covers virtually all categories of damages a user might seek, including direct and consequential losses, significantly limiting recourse against Affirm.
Users bear full authorization responsibility for transactions executed by AI or automated tools on their behalf, including binding financing terms they may not have directly reviewed.
The opt-out right is time-limited to 30 calendar days and requires a physical written notice, meaning failure to act promptly or use the correct method forfeits the right to opt out.
Requiring individual-only arbitration prevents users from joining together to pursue collective claims, which can significantly limit the practical ability to challenge Affirm's practices.
Affirm's Privacy Policy describes what personal information Affirm collects about you — including your Social Security number, bank login credentials, and payment card numbers — how it uses that information, …
By accessing Affirm's website or using its services, you automatically agree to its Terms of Service and several other legal documents. Any transaction completed through an AI tool or automated …
Affirm expanded its browser extension data collection disclosures and added Individual Taxpayer Identification Number (ITIN) to the list of personal information it collects. The updated policy now explicitly describes collecting …
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
ConductAtlas tracks 2 Affirm documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
Affirm has made 1 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 0 provisions across Affirm's tracked documents.
Yes. Monitor subscribers ($4.99/month) can add Affirm to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.