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
Affirm collects highly sensitive personal identifiers including Social Security numbers, creating significant privacy and identity-theft risk if this data were exposed.
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 →If you create an Affirm account, Affirm collects your most sensitive personal identifiers, including your Social Security number and password.
How other platforms handle this
if you place a restaurant order, our restaurant partner will collect and process your credit card or other payment information in order to fulfill the order.
We may update your Profile with data we obtain from third parties or extract from your resume.
We collect information about your use of the Services, such as the dates and times of access, browsing history, search, information about the links you click and about third-party applications...
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"This includes your full name, date of birth, Social Security number, email address, mailing address, phone number, password and account preferences (if you create an account with us).— Excerpt from Affirm's Affirm Privacy Policy
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Affirm collects highly sensitive personal identifiers including Social Security numbers, creating significant privacy and identity-theft risk if this data were exposed.
If you create an Affirm account, Affirm collects your most sensitive personal identifiers, including your Social Security number and password.
ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.
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