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.
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 →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.
How other platforms handle this
"By clicking 'Next', you are indicating that you have read and agree to the TERMS OF USE AND PRIVACY POLICY"
We automatically collect certain information from your device, including information about your web browser, IP address, time zone, and some of the cookies that are installed on your device. Additionally, as you browse the Service, we collect information about the individual web pages or products th...
Location data. Data about your device's location, which can be either precise or imprecise. For example, we collect location data using Global Navigation Satellite System (GNSS) (e.g., GPS) and data about nearby cell towers and Wi-Fi hotspots. Location can also be inferred from a device's IP address...
Monitoring
Affirm has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"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
Netflix updated its Privacy Statement on April 18, 2026, disclosing voice recording collection and expanded household ad profiling for the first time.
Google's Privacy Policy covers Search, Gmail, YouTube, Maps, and every site running Google Analytics. Here is what it actually authorizes.
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
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.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.