Affirm Terms of Service

This document governs the terms of service for Affirm's buy-now-pay-later platform, establishing the contractual basis under which consumers access Affirm's lending, payment, and financial services products in the United States. The agreement states that users consent to electronic communications as a condition of service, the terms authorize Affirm to share consumer data with merchants and third-party partners, and the agreement establishes mandatory arbitration with a class action waiver as the default dispute resolution mechanism. The arbitration clause and class action waiver are operationally significant and commonly observed in consumer financial services, though such waivers may face enforceability scrutiny under applicable state law in certain jurisdictions, particularly California; the agreement asserts broad electronic consent that effectively substitutes for paper disclosures under the E-SIGN Act. As a consumer lending and payment platform, this document engages the Consumer Financial Protection Bureau's regulatory authority under the Consumer Financial Protection Act, the Truth in Lending Act, and the Electronic Fund Transfer Act, as well as the FTC Act's unfair and deceptive practices framework; California residents may have additional rights under the California Consumer Privacy Act and California Financing Law.