2 Documents
17 All provisions 4 High severity 10 Medium severity 3 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.

Governance Coverage
Privacy Rights
7 provisions · 7 med
Data Sharing
2 provisions · 1 high
Consent
2 provisions · 2 high
Arbitration
2 provisions · 2 high
Liability Limitation
1 provision · 1 med
Acceptable Use
1 provision · 1 med
Data Collection
1 provision · 1 med
Account Control
1 provision · 1 med
Ai Automated
1 provision · 1 med
Policy Changes
1 provision · 1 med
Quick Facts
Arbitration: Mandatory
AI Training: Disclosed
Data Retention: Specified
Class Action: Waived
Key Governance Provisions
High Third-Party Data Sharing

For a buy-now-pay-later provider handling financial and purchase data, the scope of third-party sharing determines how broadly your financial behavior and personal details may flow to retail partners…

High Perpetual AI Content License

This is a very broad license grant that is permanent and irrevocable, meaning Afterpay can continue to use your AI inputs and outputs indefinitely even if you delete your account, and can transfer th…

High FCRA Credit Report Authorization for Marketing

The authorization to use credit report data for marketing purposes is broader than many consumers expect and extends for the lifetime of the account, covering a wider range of uses than simple eligib…

High Mandatory Arbitration and Class Action Waiver

Mandatory arbitration and class action waivers significantly limit consumers' practical ability to challenge Afterpay's practices, particularly for smaller individual harms that would only be viable …

High SMS Autodialer Consent

The TCPA imposes strict liability for unsolicited autodialed messages; this clause attempts to obtain blanket prior express consent via account registration, and the 'at any time of day' and do-not-c…

Document Coverage
Privacypolicy Termsofservice
Last change detected: Changes (12 months): 0 Documents monitored: 2 Provisions tracked: 17
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Documents

Afterpay Privacy Policy

Medium

This is Afterpay's privacy policy, explaining what personal and financial information the company collects when you use its buy-now-pay-later service to shop, how it uses that information, and who it …

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

Afterpay Terms of Service

High

This is Afterpay's Terms of Service for US users, covering how you use its buy-now-pay-later payment service, Afterpay Card, and any AI-powered features available through its app or website. The …

Last updated May 5, 2026 · Terms of service
8 provisions 1 version captured Version history →

Afterpay has changed 0 times in the past year.

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Low Severity Provisions (2)

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

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 17 provisions across Afterpay's tracked documents. 4 are rated high severity, 10 medium, and 3 low.

Can I get alerts when Afterpay changes their policies?

Yes. Watcher subscribers ($9.99/month) can add Afterpay to their watchlist and receive same-day email alerts whenever any tracked document changes.