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 clause designates a specific governing law and forum for litigation, which determines the substantive law applicable to dispute interpretation and restricts the geographic venue where court-based claims may be filed. This establishes California law as the operative legal framework and concentrates judicial authority in San Francisco County courts.
Users are subject to California state law for interpreting the agreement terms and are required to litigate any permitted court claims exclusively within San Francisco County courts rather than courts in other jurisdictions. This establishes the procedural and substantive legal framework governing the relationship.
How other platforms handle this
These Terms shall be governed by the laws of the State of California, excluding its conflicts of law rules, and the federal laws of the United States. Any dispute arising from or relating to the subject matter of these Terms shall be finally settled by arbitration in San Francisco County, California...
These Terms of Service and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of the State of Delaware, without giving effect to any choice o...
These Terms are governed by the laws of the State of Minnesota, without giving effect to any choice of law or conflict of law provisions. Any disputes not subject to arbitration will be resolved in the state or federal courts located in Hennepin County, Minnesota.
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"These Terms shall be governed by the laws of the State of California, without regard to its conflict of law provisions. To the extent that any lawsuit or court proceeding is permitted hereunder, you and Affirm agree to submit to the personal jurisdiction of the state and federal courts located within San Francisco County, California.— Excerpt from Affirm's Affirm Terms of Service
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The clause designates a specific governing law and forum for litigation, which determines the substantive law applicable to dispute interpretation and restricts the geographic venue where court-based claims may be filed. This establishes California law as the operative legal framework and concentrates judicial authority in San Francisco County courts.
Users are subject to California state law for interpreting the agreement terms and are required to litigate any permitted court claims exclusively within San Francisco County courts rather than courts in other jurisdictions. This establishes the procedural and substantive legal framework governing the relationship.
ConductAtlas has identified this type of provision across 2 platforms. See the full comparison.
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