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 clause establishes the scope of data collection that supports Affirm's core lending operations, enabling identity verification, creditworthiness assessment, and account management functions. The authorization extends to sensitive financial and identity data necessary for loan underwriting and service provision.
Users must provide specified personal and financial information to establish accounts and apply for loans; the terms authorize collection of this data as a condition of accessing Affirm's lending services. The provision also permits collection of any additional information users voluntarily supply during these interactions.
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"We collect information you provide directly to us, such as when you create an account or apply for a loan. This information may include your name, address, date of birth, email address, phone number, Social Security number, bank account information, and any other information you choose to provide.— Excerpt from Affirm's Affirm Privacy Policy
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The clause establishes the scope of data collection that supports Affirm's core lending operations, enabling identity verification, creditworthiness assessment, and account management functions. The authorization extends to sensitive financial and identity data necessary for loan underwriting and service provision.
Users must provide specified personal and financial information to establish accounts and apply for loans; the terms authorize collection of this data as a condition of accessing Affirm's lending services. The provision also permits collection of any additional information users voluntarily supply during these interactions.
ConductAtlas has identified this type of provision across 4 platforms. See the full comparison.
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