Provision record
Affirm · Affirm Terms of Service · View original document ↗

Acceptance of Terms by Using Service

High confidence Common · 290 of 343 platforms

Key Facts · in the document’s own words

What must users be bound by to access the Affirm website or use the Affirm Service?
“BY ACCESSING THE AFFIRM WEBSITE OR USING THE AFFIRM SERVICE, YOU AGREE TO BE BOUND BY THE (1) AFFIRM TERMS OF SERVICE, (2) AFFIRM E-SIGN CONSENT AGREEMENT, (3) AFFIRM PRIVACY POLICY AND PRIVACY NOTICE...”
Version CA-V-006664, captured Sept. 11, 2026 · live source ↗
Our reading, not the document’s words
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.
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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

Generated by a model from the captured document; not read by a person

Mere access to or use of the service constitutes agreement to multiple legal documents simultaneously, without requiring an explicit signature or affirmative opt-in.

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Interpretive note: The excerpt is truncated with ellipsis, suggesting additional agreements may be listed that are not captured in the canonical claim.

Consumer impact (what this means for users)

Generated by a model from the captured document; not read by a person

The reader is bound by multiple Affirm legal agreements simply by accessing the website or using the service.

How other platforms handle this

Kling AI

If you access third party services through Kling AI, you must comply with any terms and conditions applicable to those services.

OpenAI

Third Party Services and Third Party Output are subject to their own terms, and we are not responsible for them.

Credit Karma

If there is a conflict between applicable Additional Terms and these terms, the Additional Terms will control.

See all platforms with this clause type →
▸ View Original Clause Language DOCUMENT RECORD
"
BY ACCESSING THE AFFIRM WEBSITE OR USING THE AFFIRM SERVICE, YOU AGREE TO BE BOUND BY THE (1) AFFIRM TERMS OF SERVICE, (2) AFFIRM E-SIGN CONSENT AGREEMENT, (3) AFFIRM PRIVACY POLICY AND PRIVACY NOTICE...

Excerpt from Affirm's Terms of Service

Provision details

Document information
Document
Affirm Terms of Service
Entity
Affirm
Date stated by the document
July 28, 2026
As printed in Affirm’s text (version CA-V-006664), not a ConductAtlas date.
Tracking information
First captured by ConductAtlas
April 19, 2026
Text quoted from version
CA-V-006664, captured Sept. 11, 2026
Record ID
CA-P-029874
Document ID
CA-D-000167
Evidence Provenance
Source URL
Wayback Machine
Archived bytes SHA-256 (version CA-V-006664)
1bfa6bc3420423fe117c3afc3d971f9780d1ff0f175553581df0052a60bb3809
Analysis generated
May 8, 2026 09:12 UTC
Methodology
Evidence
✓ Excerpt found in version CA-V-006664, captured Sept. 11, 2026 (checked Oct. 5, 2026)
Citation Record
Entity: Affirm
Document: Affirm Terms of Service
Record ID: CA-P-029874
Version: CA-V-006664
Captured: 2026-09-11 00:29:27 UTC
SHA-256: 1bfa6bc3420423fe…
URL: https://conductatlas.com/platform/affirm/affirm-terms-of-service/provision/CA-P-029874/acceptance-of-terms-by-using-service/
Accessed: Oct. 22, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Categories

Other risks in this policy

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Frequently Asked Questions

What does Affirm's Acceptance of Terms by Using Service clause do?

Mere access to or use of the service constitutes agreement to multiple legal documents simultaneously, without requiring an explicit signature or affirmative opt-in.

How does this clause affect you?

The reader is bound by multiple Affirm legal agreements simply by accessing the website or using the service.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.

Is ConductAtlas affiliated with Affirm?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.