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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We may use your personal information to: provide the Service; enable security features of the Service; establish and maintain your user profile on the Service; facilitate social features of the Service...
"Service update notices and inform you about products, services, and promotions that may be relevant. We may combine your information with information we collect from other companies and use it to improve and personalize your experience, including advertising.Excerpt from Affirm's Privacy Policy
We read the privacy policies and terms of service of 38 AI platforms. Here is what they say about training, retention, arbitration, and liability.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
The clause states: “Service update notices and inform you about products, services, and promotions that may be relevant. We may combine your information with information we collect from other companies and use it to improve and personalize your experience, including advertising.”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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