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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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When you exercise any of your applicable legal rights to access, amend, or delete your personal information, we may request additional information from you for the purpose of confirming your identity.
If we deny your rights request, you have the right to appeal that decision. We will provide you with the necessary information to submit an appeal at that time.
You may also have the right to appeal requests that we deny by emailing privacy@anthropic.com.
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"You may submit an appeal if we deny a privacy-related request. For instructions on how to file an appeal, please email us at privacy@affirm.com, with the subject line "Oregon resident appeal," "Minnesota resident appeal," or "Montana resident appeal" as applicable.Excerpt from Affirm's Privacy Policy
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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The clause states: “You may submit an appeal if we deny a privacy-related request. For instructions on how to file an appeal, please email us at privacy@affirm.com, with the subject line "Oregon resident appeal," "Minnesota resident appeal," or "Montana resident appeal" as applicable.”
ConductAtlas has identified this type of provision across 295 platforms. See the full comparison.
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