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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Comply with applicable laws, lawful requests, and legal process, such as to respond to subpoenas or requests from government authorities
Any personal information we collect from you to verify your identity in connection with your request will be used solely for the purposes of verification.
We may use information about you, your activity, content, media uploads and related data in your account to prevent, detect, investigate and address safety, security, fraud and abuse risks, and to develop our algorithms and models to identify violations...
"If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or disclosed to third parties, except as necessary to prevent fraud and assist law enforcement...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: “If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or disclosed to third parties, except as necessary to prevent fraud and assist law enforcement...”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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