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
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"They may also use information we disclose, together with information they receive from other clients, to maintain and improve their fraud detection and risk intelligence products and services, including by generating aggregated, deidentified, or model-based insights...Excerpt from Affirm's Privacy Policy
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Your genetic data may be transferred to a new owner as a business asset. Here is what the Terms of Service actually say and what you can do right now.
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The clause states: “They may also use information we disclose, together with information they receive from other clients, to maintain and improve their fraud detection and risk intelligence products and services, including by generating aggregated, deidentified, or model-based insights...”
ConductAtlas has identified this type of provision across 288 platforms. See the full comparison.
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