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
Opting out of certain communications can result in account closure or restricted access, meaning the opt-out right carries a significant practical consequence.
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 →If you opt out of notices Affirm deems required to perform its service, Affirm may close or limit your account.
How other platforms handle this
If we learn that we've collected the personal data of a child under the age of 13 or 16, as applicable, we'll take reasonable steps to delete the personal data. This may require us to delete the Skillshare account...
If our moderators decide to remove content, or suspend or terminate the Member's account, we will notify the Member and explain how to contact us.
If we become aware that a child has provided us with personal data without parental consent, we remove such data and terminate the child's account (except where we are required to retain all or a portion of such data for compliance purposes).
Monitoring
Affirm has changed this document before.
Receive same-day alerts, structured change summaries, and monitoring for up to 25 platforms.
"Affirm reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Affirm Service.— Excerpt from Affirm's Affirm Privacy Policy
Compliance Governance Intelligence
Need to monitor specific governance provisions?
Compliance includes provision-level monitoring, governance timelines, regulatory mapping, and audit-ready analysis.
Built from archived source documents, structured governance mappings, and historical version tracking.
Opting out of certain communications can result in account closure or restricted access, meaning the opt-out right carries a significant practical consequence.
If you opt out of notices Affirm deems required to perform its service, Affirm may close or limit your account.
ConductAtlas has identified this type of provision across 275 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.