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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You may have the right to object to or opt out of certain uses of your information.
You may also change your preference and "opt out" of receiving certain marketing communications from us by clicking the unsubscribe link included at the bottom of all such communications...
to request that your data be transferred to a third party (data portability)
"You have the right to opt out of this activity based on our use of cookies/pixels by managing your preferences through the "Your Privacy Choices" link located in the footer of our website.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 have the right to opt out of this activity based on our use of cookies/pixels by managing your preferences through the "Your Privacy Choices" link located in the footer of our website.”
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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