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
User information is shared with unrelated third-party companies for their own marketing, but an opt-out right exists, making it important for users to know they can act.
Interpretive note: The excerpt consists only of a table row fragment ('For nonaffiliates to market to you Yes Yes') without column headers. The interpretation that the two 'Yes' values mean (1) Affirm does this sharing and (2) users can opt out is standard for GLBA privacy notice table formatting, but the column headers are absent from the excerpt, making this an inference from context rather than fully explicit document language.
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 →Affirm shares your information with nonaffiliates for marketing purposes, and you have an opt-out right for this sharing.
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disclosure is required by a third-party to complete a transaction initiated by the user
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"For nonaffiliates to market to you Yes Yes— Excerpt from Affirm's Affirm Privacy Policy
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User information is shared with unrelated third-party companies for their own marketing, but an opt-out right exists, making it important for users to know they can act.
Affirm shares your information with nonaffiliates for marketing purposes, and you have an opt-out right for this sharing.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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