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
Users bear full authorization responsibility for transactions executed by AI or automated tools on their behalf, including binding financing terms they may not have directly reviewed.
The reader is bound by any transaction — including its financing terms — that an AI Tool or automated means completes on their behalf.
How other platforms handle this
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"If you use an AI Tool or other automated means to interact with Affirm or to complete a transaction on your behalf, you agree that...any transaction completed through such means will be treated as authorized by you, including your acceptance of the applicable financing terms.— Excerpt from Affirm's Affirm Terms of Service
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Users bear full authorization responsibility for transactions executed by AI or automated tools on their behalf, including binding financing terms they may not have directly reviewed.
The reader is bound by any transaction — including its financing terms — that an AI Tool or automated means completes on their behalf.
ConductAtlas has identified this type of provision across 211 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by Affirm.