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.
High — provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium — provisions worth knowing about but with partial protections or limited scope. Low — standard terms with minimal consumer impact.
Class actions allow many consumers to collectively challenge a company's practices; by waiving this right, each consumer must individually pursue arbitration, which is often more burdensome and costl…
The provision establishes the operational basis for data disclosure throughout the transaction lifecycle. It defines the scope of permissible sharing by reference to functional requirements—transacti…
The clause establishes binding arbitration as the exclusive dispute resolution mechanism for most disagreements between users and Affirm, with the procedural effect of removing access to class action…
The clause establishes a standard credit reporting mechanism that connects loan performance data to the consumer credit reporting system. This authorization enables credit bureaus to incorporate Affi…
The provision establishes the operational infrastructure for data collection and ad targeting by external vendors, enabling Affirm to monetize user behavioral data through advertising partnerships wh…
This policy establishes Affirm's data collection, use, and disclosure practices for users of its buy-now-pay-later lending platform. Affirm collects and processes personal, financial, and behavioral data including loan information, device …
This document establishes the terms of service governing Affirm's buy-now-pay-later loans and payment products. The agreement requires that disputes be resolved through individual arbitration rather than class action litigation, with …
Affirm substantially expanded its Privacy Policy on June 3, 2026, adding over 200 sentences of new disclosure and structural content. The updated policy explicitly identifies Affirm as a financial institution …
View change record →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 3 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 16 provisions across Affirm's tracked documents. 1 are rated high severity, 10 medium, and 5 low.
Yes. Monitor subscribers ($19/month) can add Affirm to their watchlist and receive same-day email alerts whenever any tracked document changes.