Afterpay Terms of Service

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 you is capped at $500 or the value of your affected orders, and you cannot close your account while you owe any money. If you want to preserve your right to sue in court rather than go to arbitration, you must send Afterpay a written opt-out notice within 30 days of the last time you placed an order.

This Agreement establishes the terms under which users access Afterpay's services, including AI Products, payment arrangements, and account management. It grants Afterpay a worldwide, irrevocable, perpetual, royalty-free, sub-licensable license to use, reproduce, modify, and adapt content submitted in connection with AI Products, and permits Afterpay to share such content — including personal data — with third-party service providers to enable AI Product functionality. Afterpay's aggregate liability for all claims is capped at the greater of the value of affected orders or $500, with a full exclusion of liability for personal injury and all indirect, incidental, consequential, special, or exemplary damages. Afterpay may assign the Agreement to a third party without notice or user consent, and accounts cannot be closed while any balance remains outstanding. Disputes are subject to binding arbitration upon election by either party following failed informal negotiations, though users may opt out by written notice within 30 days of the date they last placed an order.

As an Afterpay user, any content — including personal data — you submit to Afterpay's AI Products may be shared with third-party service providers, and any license you grant Afterpay over that content is irrevocable and perpetual. You must not include sensitive personal data (such as Social Security numbers, passport details, or racial or ethnic origin data) of yourself or any other individual in AI Product inputs, and you may not use AI Product outputs to train or improve any machine learning algorithms. Your account will remain open and active until every outstanding amount is paid, and Afterpay may transfer your Agreement to a third party at any time without notifying you. If you wish to opt out of binding arbitration and the class action and jury trial waiver, you must notify Afterpay in writing within 30 days of the date you last placed an order.