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.
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we may use, retain or share information with law enforcement or others in circumstances where a person's vital interests require protection, such as in the case of emergencies.
Where you provide consent, we share your information as described at the time of consent, such as when authorizing a third-party application or website to access your Skillshare account...
disclosure is required by a third-party to complete a transaction initiated by the user
"This may be done without your consent when we have a good faith belief that it is necessary to protect our customers, employees, or property, in emergency situations, to enforce our rights under our terms of service and policies, or to combat fraud or criminal activity.Excerpt from Affirm's Privacy Policy
ConductAtlas detected a major restructuring of Meta’s privacy policy that removed detailed consumer rights disclosures and relocated them to separate documents.
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: “This may be done without your consent when we have a good faith belief that it is necessary to protect our customers, employees, or property, in emergency situations, to enforce our rights under our terms of service and policies, or to combat fraud or criminal activity.”
ConductAtlas has identified this type of provision across 288 platforms. See the full comparison.
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