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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The following is a list of categories of personal information which we may collect or may have been collected from California residents within the last twelve (12) months.
All requests for information or documents related to potential, anticipated, or current legal proceedings, investigations, or disputes must be made using the appropriate level of legal process.
YOU UNDERSTAND THAT FAIRE DOES NOT SCREEN OR INQUIRE INTO THE BACKGROUND OF ANY USERS OF THE SERVICES, NOR DOES FAIRE MAKE ANY ATTEMPT TO VERIFY THE STATEMENTS OF USERS OF THE SERVICES.
"please note that Affirm does not collect or process sensitive personal information at this time, with the exception of geolocation information if you choose to allow this within the App.Excerpt from Affirm's Privacy Policy
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The clause states: “please note that Affirm does not collect or process sensitive personal information at this time, with the exception of geolocation information if you choose to allow this within the App.”
ConductAtlas has identified this type of provision across 273 platforms. See the full comparison.
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