Captured before automated identity checks (Oct 14, 2026): accurate as of its capture on Sep 11, 2026; our capture on Oct 15, 2026 found the same text, but its identity was not checked by them.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“If you use an AI Tool or other automated means to interact with Affirm or to complete a transaction on your behalf, you agree that...any transaction completed through such means will be treated as authorized by you, including your acceptance of the applicable financing terms.”
“BY ACCESSING THE AFFIRM WEBSITE OR USING THE AFFIRM SERVICE, YOU AGREE TO BE BOUND BY THE (1) AFFIRM TERMS OF SERVICE, (2) AFFIRM E-SIGN CONSENT AGREEMENT, (3) AFFIRM PRIVACY POLICY AND PRIVACY NOTICE...”
“If you withdraw your Consent, Affirm may close or limit access to your account and the Affirm Services. You agree to pay any amount owed to Affirm and/or the Partner Bank even if you withdraw your Consent...”
“if you fail to pay an amount owed to Affirm pursuant to this Agreement or any other agreement you have with us or any Bank Partner, Affirm may engage in collection efforts to recover such amounts from you.”
“Affirm may unilaterally decide to change this Agreement from time to time, provided, however, that such changes will not impose additional obligations on you with respect to actions you took before the change...”
“You and Affirm each agree that any arbitration will be conducted only on an individual basis and not as a class, consolidated or representative action. To the fullest extent permitted by law, (a) no arbitration will be joined or consolidated...”
By accessing Affirm's website or using its services, you automatically agree to its Terms of Service and several other legal documents. Any transaction completed through an AI tool or automated process is treated as if you authorized it, including the financing terms. Affirm can change these terms at any time going forward, and if you want to keep the right to sue in court rather than arbitrate individually, you must send a signed written notice within 30 days of agreeing.
The Affirm Terms of Service establishes the conditions under which users access Affirm's website and financing services, binding users to multiple ancillary agreements upon mere access or use. Affirm retains unilateral authority to amend the Agreement prospectively, and may close or limit accounts if users withdraw consent. The document requires individual-only arbitration with a 30-calendar-day opt-out window requiring signed written notice, and extends collection rights to amounts owed under any agreement with Affirm or a Bank Partner. Users bear full authorization responsibility for transactions executed through AI Tools or automated means, including acceptance of financing terms, and grant Affirm and its third-party providers a limited power of attorney to access, transmit, and use their information.
As an Affirm user, you are bound to the Terms of Service and related agreements simply by accessing the service, without a separate signature. Financing carries a fixed APR between 0% and 36% depending on your creditworthiness and product type, and Affirm charges no late fees. Any transaction an AI Tool or automated process completes on your behalf — including accepting financing terms — is treated as your authorized act. Affirm and its third-party providers hold a limited power of attorney to access and use your information. If you fail to make a payment under any agreement with Affirm or a Bank Partner, Affirm may pursue collection efforts. If you wish to opt out of mandatory individual arbitration, you must send a signed written notice to Affirm within 30 calendar days of agreeing to the Agreement.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“BY ACCESSING THE AFFIRM WEBSITE OR USING THE AFFIRM SERVICE, YOU AGREE TO BE BOUND BY THE (1) AFFIRM TERMS OF SERVICE, (2) AFFIRM E-SIGN CONSENT AGREEMENT, (3) AFFIRM PRIVACY POLICY AND PRIVACY NOTICE...”
“If you withdraw your Consent, Affirm may close or limit access to your account and the Affirm Services. You agree to pay any amount owed to Affirm and/or the Partner Bank even if you withdraw your Consent...”
“if you fail to pay an amount owed to Affirm pursuant to this Agreement or any other agreement you have with us or any Bank Partner, Affirm may engage in collection efforts to recover such amounts from you.”
“Affirm may unilaterally decide to change this Agreement from time to time, provided, however, that such changes will not impose additional obligations on you with respect to actions you took before the change...”
“If you use an AI Tool or other automated means to interact with Affirm or to complete a transaction on your behalf, you agree that...any transaction completed through such means will be treated as authorized by you, including your acceptance …”
“You and Affirm each agree that any arbitration will be conducted only on an individual basis and not as a class, consolidated or representative action. To the fullest extent permitted by law, (a) no arbitration will be joined or consolidated...”
“Rates range from 0% to 36% fixed Annual Percentage Rate ("APR"), depending on your creditworthiness and/or the type of product offered (0% APR may only be offered at select merchants).”
“AFFIRM AND ITS AFFILIATES ARE NOT LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE)...”
“You will not use the Services to purchase: Ammunition, firearms, certain firearm parts or accessories, and certain weapons or knives regulated under applicable law; Narcotics, steroids, controlled substances...Currency in any form, including virtual and digital currency...”
“If you do not want this Section to apply, you must send Affirm a signed notice within 30 calendar days after you agree to be bound by the Agreement...You must send the notice in writing (and not electronically) to Affirm, …”
“You give us and our third party providers a limited power of attorney, and appoint us and our third party providers as your true and lawful attorney-in-fact and agent to act on your behalf and access, transmit, and use your …”
“You will never be charged any late fees when you buy with Affirm.”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
We have not recorded a change to this document since we began capturing it. Monitor includes alerts from a daily check, structured change summaries, and monitoring for up to 20 platforms.
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Cross-platform context
See how other platforms handle Acceptance of Terms by Using Service and similar clauses.
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