Key Facts
How does Affirm treat any transaction completed through an AI Tool or other automated means on a user's behalf?
Affirm treats any transaction completed through an AI Tool or other automated means on a user's behalf as authorized by that user, including acceptance of the applicable financing terms.
What must users be bound by to access the Affirm website or use the Affirm Service?
Affirm requires users who access the Affirm website or use the Affirm Service to be bound by the Affirm Terms of Service, Affirm E-Sign Consent Agreement, Affirm Privacy Policy and Privacy Notice.
What may Affirm do if the user withdraws their Consent?
Affirm may close or limit access to a user's account and the Affirm Services if the user withdraws their Consent.
What may Affirm do if a user fails to pay any amount owed?
Affirm may engage in collection efforts to recover amounts owed if a user fails to pay any amount owed to Affirm under this Agreement, any other agreement with Affirm, or any agreement with a Bank Partner.
May Affirm change this Agreement?
Affirm may unilaterally change this Agreement from time to time, provided that such changes will not impose additional obligations on users with respect to actions taken before the change.
How must any arbitration between the user and Affirm be conducted?
Affirm requires that any arbitration between the user and Affirm be conducted only on an individual basis and not as a class, consolidated, or representative action.
Can arbitration between the user and Affirm be conducted as a class action?
Affirm requires that any arbitration between the user and Affirm be conducted only on an individual basis and not as a class, consolidated, or representative action.
What range do interest rates on Affirm's products have?
Affirm discloses that interest rates on its products range from 0% to 36% fixed APR, depending on creditworthiness and/or the type of product offered, with 0% APR available only at select merchants.
What depends on creditworthiness and the type of product offered?
Affirm discloses that interest rates on its products range from 0% to 36% fixed APR, depending on creditworthiness and/or the type of product offered, with 0% APR available only at select merchants.
Are Affirm and its affiliates liable for consequential damages?
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.
Summary
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.
Analysis
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.
What this means for you
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.
2 important changes detected
5 versions captured · Last updated: July 2026
What changed
Affirm updated its mailing address for customer service requests across five different procedures in the Terms of Service. The previous address, 650 California St, Fl 12, San Francisco, CA 94108, has been replaced with 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135. This affects where customers must send written requests for consent withdrawal, billing error disputes, and other written inquiries. The change is operational and does not alter the procedures or rights themselves, only the location to which customers must direct their correspondence.
Why this matters
The updated Terms of Service now directs customers to a new mailing address in Cleveland, Ohio for all written customer service requests, including consent withdrawal and billing error disputes. The change does not alter the procedures for making these requests or the underlying customer rights; it only specifies where written correspondence must be sent. Customers who need to submit written requests should use the new address: 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
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What changed
Affirm updated its terms of service on June 2, 2026 to reorganize how it describes its products and features to users. The previous version listed shopping categories and app features, while the updated version restructures the presentation to highlight the Affirm Card, browser extension, digital wallet integration, and shopping capabilities. This change appears to be primarily informational and organizational rather than a substantive modification to user rights or obligations.
Why this matters
This change does not materially alter consumer rights, obligations, or how Affirm's payment services function. The updated terms reorganize how Affirm describes its products—including the Affirm Card, browser extension, and digital wallet compatibility—but do not modify the substantive terms under which consumers use these services. Consumers' existing obligations and protections remain unchanged.
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Archival ProvenanceSource & Archival Record
Last Captured
July 29, 2026 00:27 UTC
Capture Method
Automated scheduled archival capture
Document ID
CA-D-000167
Version ID
CA-V-005332
SHA-256
4057ad8a5c4f8d1d54b4b85ec42a7c55ffbe257efef39973a1db8581da7c9ac6
✓ Snapshot stored
✓ Text extracted
✓ Change verified
✓ Hash verified