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
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.
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Your organization may allow you to access and export your data in order to back it up or transfer it to a service outside of Google.
California residents have the right to request certain information regarding our disclosure of personal information...to third parties for their direct marketing purposes unless we provide them with an ability to exercise choice regarding such disclosures.
When you are asked to provide information, you may decline to do so; but if you choose not to provide information that is necessary to provide some of our Services, you may not be able to use those Services.
"Residents of California and Oregon may request that we limit the use or disclosure of certain sensitive personal information. This includes information about your race, ethnicity, religion, and philosophical beliefs, financial information...Excerpt from Affirm's Privacy Policy
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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The clause states: “Residents of California and Oregon may request that we limit the use or disclosure of certain sensitive personal information. This includes information about your race, ethnicity, religion, and philosophical beliefs, financial information...”
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