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 financial credentials and account details, meaning a data incident could expose comprehensive financial information.
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 →When you link financial accounts to Affirm, Affirm collects your login credentials, account numbers, transaction history, routing numbers, and card numbers.
How other platforms handle this
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Cookies may also allow us and our service providers to collect data about your use of our services, including text you enter, screen recordings of your mouse movements, and other interactions as you browse and use our services, even if you don't have an account or Profile.
Monitoring
Affirm has changed this document before.
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"This includes bank account online login information, bank account numbers, bank account details including transaction history, routing numbers and/or debit card numbers and credit card numbers that you link to your Affirm account...— Excerpt from Affirm's Affirm Privacy Policy
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Affirm collects highly sensitive financial credentials and account details, meaning a data incident could expose comprehensive financial information.
When you link financial accounts to Affirm, Affirm collects your login credentials, account numbers, transaction history, routing numbers, and card numbers.
ConductAtlas has identified this type of provision across 298 platforms. See the full comparison.
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