2 Documents
18 All provisions 3 High severity 13 Medium severity 2 Low severity
0 Changes · 12 mo
- Last change

High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.

Objective measurements
Counted directly from the archive for Afterpay — documents, captured versions, and detected changes.
2
Documents tracked
2
Versions captured
0
Changes · 12 mo
0
Changes · all-time
ConductAtlas User-Protection Index
Provisional · scored on 5 of 6
23.2/100
Consumer tier · provisional until more dimensions are known
How is this scored? →
Baseline 23.2 here · corpus average 31.4 across 191 scored platforms Middle 50% Q1 18.4 · median 30.8 · Q3 42.3

Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from Afterpay’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.

Consumer tier · 23.2/100 · provisional · scored on 5 of 6
Arbitration & class action weight 22% 15.0
AI training on your data weight 18% not stated
Data retention & deletion weight 15% 0.0
Governance Coverage
Account Control
18 provisions · 6 high · 9 med
Acceptable Use
16 provisions · 10 high · 6 med
Intellectual Property
11 provisions · 2 high · 7 med
Liability Limitation
11 provisions · 5 high · 5 med
Data Collection
9 provisions · 4 high · 5 med
Contract Terms
9 provisions · 1 high · 3 med
Data Usage
8 provisions · 1 high · 5 med
Restricted Content
8 provisions · 7 high · 1 med
Indemnification
7 provisions · 3 high · 4 med
Arbitration
6 provisions · 3 high · 2 med
Quick Facts
Arbitration: Required
AI Training: Not stated
Data Retention: Retained after closure
Class Action: Waived
Key Governance Provisions
High One Account Per Person Limit

The one-account limit means any attempt to open additional accounts is a breach of the terms, which could have consequences for account standing.

High No Liability for Indirect or Consequential Damages

The exclusion covers a broad range of harm categories — including personal injury and all forms of consequential damages — which substantially limits the types of losses a user can recover from After…

High Aggregate Liability Cap Five Hundred Dollars

The cap limits the maximum financial recovery a user can obtain from Afterpay regardless of the nature or scale of the harm, which constrains the practical value of any legal claim against Afterpay.

High AI Inputs May Be Shared with Third-Party Providers

Personal data a user includes in an AI Product Input is not confined to Afterpay but may flow to external third-party service providers, expanding the universe of entities that handle the user's data.

High Prohibition on Using AI Outputs to Train Models

The prohibition extends beyond the user to third parties the user might enable, meaning the user bears responsibility for ensuring no downstream recipient of AI Product outputs uses them for model de…

Document Coverage
Privacypolicy Termsofservice
Last change detected: - Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 18
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Documents

Afterpay Privacy Policy

Medium

Afterpay's Privacy Notice explains what personal information Afterpay collects and how it uses, shares, and retains it whenever you interact with its website, app, or account. By continuing to use …

Last updated May 5, 2026 · Privacy policy
10 provisions 1 version captured Version history →

Afterpay Terms of Service

High

This document sets out the rules for using Afterpay, including how Afterpay can use content you submit to its AI features and how disputes are handled. Afterpay's financial liability to …

Last updated May 5, 2026 · Terms of service
8 provisions 1 version captured Version history →
📈 Policy Drift Analysis View all changes →

High Severity Provisions (3)

View all high severity provisions → Compare Afterpay with other platforms →

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Applicable Regulations

CCPA/CPRA
California, USA
View official text ↗
CFAA
United States Federal
View official text ↗
Connecticut Data Privacy Act Amendments
US-CT
View official text ↗
EFTA / Reg E
United States Federal
View official text ↗
ePrivacy Directive
European Union
View official text ↗
FCRA
United States Federal
View official text ↗
FAA
United States Federal
View official text ↗
FTC Act Section 5
United States Federal
View official text ↗
GDPR
European Union
View official text ↗
GLBA
United States Federal
View official text ↗
Indiana Consumer Data Protection Act
US-IN
View official text ↗
Kentucky Consumer Data Protection Act
US-KY
View official text ↗
Universal Opt-Out Mechanism Expansion 2026
US
View official text ↗

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Frequently Asked Questions

What Afterpay documents does ConductAtlas track?

ConductAtlas tracks 2 Afterpay documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.

How many policy changes has Afterpay made in the past year?

Afterpay has made 0 policy changes in the past 12 months across the documents ConductAtlas tracks.

How many provisions has ConductAtlas classified for Afterpay?

ConductAtlas has classified 18 provisions across Afterpay's tracked documents. 3 are rated high severity, 13 medium, and 2 low.

Can I get alerts when Afterpay changes their policies?

Yes. Monitor subscribers ($4.99/month) can add Afterpay to their watchlist and receive same-day email alerts whenever any tracked document changes.