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 policy explicitly discloses that Affirm collects cart contents, product details, pricing, and page URLs when you use its browser extension or in-app browser to visit merchant websites. This represents a material expansion of the prior disclosure, which only mentioned collecting website domain. The policy states this information is used to provide and improve extension features, provide personalized experiences, and support related services. You can limit collection by disabling the extension in browser settings, uninstalling it, hiding it, or choosing not to use the in-app browser for merchant browsing where an alternative is available.
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California law will govern these Terms except for its conflicts of laws principles.
the Federal Arbitration Act ("FAA") governs the interpretation and enforcement of this arbitration provision; the arbitrator shall apply California law to all other matters.
These Terms and Conditions are governed by the laws of Delaware.
"Affirm is considered a "financial institution" under GLBA, and as such, the collection and use of NPI is governed exclusively by federal law, not applicable state privacy laws.Excerpt from Affirm's Privacy Policy
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The clause states: “Affirm is considered a "financial institution" under GLBA, and as such, the collection and use of NPI is governed exclusively by federal law, not applicable state privacy laws.”
ConductAtlas has identified this type of provision across 264 platforms. See the full comparison.
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