By signing up for Affirm, you agree to receive all legally required notices, loan disclosures, tax statements, and account communications electronically rather than by paper mail.
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
This consent covers legally required financial disclosures including tax statements and loan agreements; if you miss an electronic notice, you may miss important deadlines or changes to your loan terms.
This provision means Affirm will deliver all account notices, including tax documents and loan disclosures, to your email or through the app rather than by paper, so keeping your contact information current is important to avoid missing critical communications.
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"By creating an Affirm account or using the Services, you consent to receive electronically all communications, agreements, documents, notices and disclosures (collectively, 'Communications') that Affirm provides in connection with your Affirm account and use of the Services. Communications include, but are not limited to: agreements and policies you agree to (e.g., this Agreement and Affirm's Privacy Policy), including updates to these agreements or policies; annual disclosures; transaction receipts or confirmations; account statements and history; federal and state tax statements; and responses to claims or questions filed in connection with your account.— Excerpt from Affirm's Affirm Terms of Service
REGULATORY LANDSCAPE: This provision invokes the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), which requires affirmative consumer consent to electronic delivery of legally required disclosures, including the ability to receive paper copies and withdraw consent. Under Regulation Z (Truth in Lending Act), periodic statements and loan disclosures have specific delivery requirements; electronic delivery is permissible only if E-SIGN consent requirements are met. Regulation E (Electronic Fund Transfer Act) similarly requires timely electronic delivery of required notices. The FTC also has oversight of deceptive practices related to disclosure delivery. GOVERNANCE EXPOSURE: Medium. The broad scope of communications covered by this consent, including federal and state tax statements, means that any technical failure in electronic delivery infrastructure creates direct regulatory exposure under Regulation Z and Regulation E. The consent must be demonstrably affirmative and informed to satisfy E-SIGN requirements, and records of consent should be retained. JURISDICTION FLAGS: California and New York have state-level electronic disclosure requirements that may layer on top of federal E-SIGN Act standards. Illinois and other states may have specific rules for electronic delivery of consumer lending disclosures that compliance teams should evaluate. CONTRACT AND VENDOR IMPLICATIONS: Any third-party communication or delivery platform used by Affirm to send required disclosures should be assessed in vendor due diligence to confirm delivery reliability and record-keeping for regulatory examination purposes. COMPLIANCE CONSIDERATIONS: Compliance teams should audit the onboarding consent workflow to confirm it meets E-SIGN affirmative consent standards, including a clear mechanism for consumers to withdraw electronic consent and request paper disclosures. Records of when consent was obtained and the version of the consent language presented should be maintained. The provision covering tax statements requires particular attention given IRS electronic delivery standards.
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This consent covers legally required financial disclosures including tax statements and loan agreements; if you miss an electronic notice, you may miss important deadlines or changes to your loan terms.
This provision means Affirm will deliver all account notices, including tax documents and loan disclosures, to your email or through the app rather than by paper, so keeping your contact information current is important to avoid missing critical communications.
ConductAtlas has identified this type of provision across 6 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.