Affirm uses your transaction history, browsing behavior, and other data to build a profile of your preferences and interests, which it then uses to personalize offers and make business decisions.
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
Behavioral profiling means Affirm uses your financial activity to make inferences about you that go beyond your loan transactions, which can affect what products you are shown and potentially how you are assessed.
Interpretive note: The phrase 'other business purposes' for use of inferences is not specifically defined, creating ambiguity about the full scope of profiling applications.
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 draw inferences about your personal characteristics from your financial and behavioral data, and these inferences can be used for marketing personalization and other business purposes beyond servicing your loan.
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to object to profiling activities based on our own legitimate interests
you may also have the right to: (i) opt out of processing of Personal Data for purposes of profiling in furtherance of decisions that produce legal or similarly significant effects...and (iii) appeal any decision by ZipRecruiter...
If you choose to reveal any personal information about yourself to other users, you do so at your own risk. We strongly encourage you to use caution in disclosing any personal information online.
"We may use the information we collect to draw inferences about your preferences, interests, and characteristics. We may use these inferences to personalize your experience, provide you with relevant offers, and for other business purposes.Excerpt from Affirm's Privacy Policy
REGULATORY LANDSCAPE: CCPA and CPRA classify inferences drawn from personal information to create consumer profiles as a category of personal information subject to access and deletion rights, enforced by the California Privacy Protection Agency.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Search "[your state] attorney general consumer complaint" to find your state's direct complaint form
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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Behavioral profiling means Affirm uses your financial activity to make inferences about you that go beyond your loan transactions, which can affect what products you are shown and potentially how you are assessed.
Affirm may draw inferences about your personal characteristics from your financial and behavioral data, and these inferences can be used for marketing personalization and other business purposes beyond servicing your loan.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.