“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.”
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
Our Chatbots may generate outputs that are inaccurate or inappropriate for your situation, so you should not rely solely on their answers. You should always verify the accuracy of such information
You will use independent judgement and discretion before relying on or otherwise using Output.
You understand that Virtual Assistants responses are intended to be suggestions for your consideration only and you agree that you will exercise reasonable discretion before relying on any Virtual Assistant's response.
"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 Terms of Service
How Meta, TikTok, and Supabase restructured governance language across documents, jurisdictions, and consent frameworks through incremental document updates.
How 10 AI platforms describe the use of user data for model training, improvement, and development, based on archived governance provisions.
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.
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.