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
An opt-out mechanism exists for merchant marketing data sharing, meaning users who take affirmative action in their account settings can limit this disclosure.
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 →You can opt out of Affirm disclosing your information to merchants for marketing by logging into your account at www.affirm.com/u/ and updating your Data Sharing setting under Other Settings.
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We will also provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected.
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.
to request that your data be transferred to a third party (data portability)
"To opt-out of information disclosure to merchants for marketing, log into your Affirm account at www.affirm.com/u/ and update your "Data Sharing" setting... under "Other Settings".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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An opt-out mechanism exists for merchant marketing data sharing, meaning users who take affirmative action in their account settings can limit this disclosure.
You can opt out of Affirm disclosing your information to merchants for marketing by logging into your account at www.affirm.com/u/ and updating your Data Sharing setting under Other Settings.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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