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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Where necessary, we use your personal data, including Contact Data, Technical Data, Communication Data and Government Identifiers, where necessary, to comply with legal obligations such as tax reporting, regulatory requirements...
Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
comply with professional, legal and regulatory obligations that apply to our business
"In connection with inquiries from regulators, law enforcement agencies, or parties involved in litigation, in each case anywhere in the world, as necessary for Affirm to comply with obligations or bring claims and exercise defenses...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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The clause states: “In connection with inquiries from regulators, law enforcement agencies, or parties involved in litigation, in each case anywhere in the world, as necessary for Affirm to comply with obligations or bring claims and exercise defenses...”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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