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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 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 →How other platforms handle this
If we de-identify information, we will maintain and use the information in de-identified form and not attempt to re-identify the information except as required or permitted by law.
Find and prevent fraud; and Block and remove unsafe or fraudulent users from the Lyft Platform.
any personal information that you provide through the Walmart Sites will be used by Walmart in accordance with Walmart's Privacy Policy
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"Once information has been de-identified, we commit to keeping it in de-identified form, and if we disclose it to third parties, we will also require them to commit to not re-identify it.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: “Once information has been de-identified, we commit to keeping it in de-identified form, and if we disclose it to third parties, we will also require them to commit to not re-identify it.”
ConductAtlas has identified this type of provision across 284 platforms. See the full comparison.
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