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
How other platforms handle this
you may refer a friend to Instacart or send an Instacart gift delivery or gift card to someone. In these cases, we collect the recipient's name, email, and delivery address, as applicable.
We collect information about your use of the Services, such as the dates and times of access, browsing history, search, information about the links you click and about third-party applications...
For paid subscriptions, we collect details like name, billing address, and payment specifics.
"By using the Affirm Services, you authorize Affirm, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you...Excerpt from Affirm's Terms of Service
Netflix updated its Privacy Statement on April 18, 2026, disclosing voice recording collection and expanded household ad profiling for the first time.
Google's Privacy Policy covers Search, Gmail, YouTube, Maps, and every site running Google Analytics. Here is what it actually authorizes.
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The clause states: “By using the Affirm Services, you authorize Affirm, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you...”
ConductAtlas has identified this type of provision across 296 platforms. See the full comparison.
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