This analysis describes what Affirm's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Affirm's use of customer data to train or utilize AI and machine learning tools means personal information may inform automated systems whose outputs affect users.
The updated Privacy Policy establishes that Affirm qualifies as a financial institution under the Gramm-Leach-Bliley Act, meaning personal information collected in connection with Affirm services is governed by federal banking law rather than applicable state privacy laws. The policy now explicitly discloses collection of identity and profile information including full name, date of birth, Social Security number, email, mailing address, phone number, and password. The updated terms also disclose new data sharing arrangements with fraud prevention, identity verification, and risk intelligence providers, which were not previously detailed. You can contact Affirm's privacy team using the phone number provided in the updated policy to exercise data privacy rights.
View change record →Affirm may use your information in AI and machine learning tools, as well as for research, product development, and merchant relationship building.
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"Understand our customer base may be used to conduct research and analysis, develop new or improved products and Services, in the utilization of artificial intelligence and/or machine learning tools, and to build relationships with merchant partners.Excerpt from Affirm's Privacy Policy
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Affirm's use of customer data to train or utilize AI and machine learning tools means personal information may inform automated systems whose outputs affect users.
Affirm may use your information in AI and machine learning tools, as well as for research, product development, and merchant relationship building.
ConductAtlas has identified this type of provision across 217 platforms. See the full comparison.
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