“If you do not want this Section to apply, you must send Affirm a signed notice within 30 calendar days after you agree to be bound by the Agreement...You must send the notice in writing (and not electronically) to Affirm, Inc...”
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 opt-out right is time-limited to 30 calendar days and requires a physical written notice, meaning failure to act promptly or use the correct method forfeits the right to opt out.
Interpretive note: The excerpt is truncated with ellipsis, suggesting the full mailing address and potentially additional procedural requirements for the opt-out notice are not fully captured.
The reader may opt out of mandatory arbitration, but only by sending a signed physical written notice to Affirm, Inc. within 30 calendar days of agreeing to the Agreement.
How other platforms handle this
If we make any future changes to this arbitration agreement (other than a change to our contact information), you may reject any such change by sending your personally signed, written notice to the following address within 30 days of the change: Target Law Department...with a clear statement that yo...
If any part of these arbitration terms is found to be illegal or unenforceable, the remainder will remain in effect, except that if a finding...would allow class arbitration...this entire dispute resolution section will be unenforceable.
you may reject the change by sending us written notice within 30 days of the change to Credit Karma's address for Notice, in which case your account with Credit Karma will be immediately terminated
"If you do not want this Section to apply, you must send Affirm a signed notice within 30 calendar days after you agree to be bound by the Agreement...You must send the notice in writing (and not electronically) to Affirm, Inc...Excerpt from Affirm's Terms of Service
Coinbase's User Agreement includes a mandatory arbitration clause that most users may not have reviewed. Here is what the clause states and how the opt-out process works.
561 arbitration provisions across 197 platforms. ConductAtlas tracks how dispute resolution is being restructured across the internet.
Get the weekly coverage letter
Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
The opt-out right is time-limited to 30 calendar days and requires a physical written notice, meaning failure to act promptly or use the correct method forfeits the right to opt out.
The reader may opt out of mandatory arbitration, but only by sending a signed physical written notice to Affirm, Inc. within 30 calendar days of agreeing to the Agreement.
ConductAtlas has identified this type of provision across 196 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.