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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.
This page describes what the document states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability may vary by jurisdiction. Methodology
“any Input you provide, including any personal data you choose to include within that Input, may be shared with such third party service providers to enable functionality within AI Products.”
“If you owe any payment or amount to Afterpay, Afterpay will not close or deactivate your Account until that payment or amount due has been made, but we may limit your ability to make additional transactions...”
“your consent and instructions for Afterpay to obtain one or more credit reports or other consumer reports from consumer reporting agencies for use in determining your eligibility for an Afterpay or First Electronic Bank loan...”
“We may transfer or assign this Agreement, and any rights under this Agreement, to a third party without notice to you or without your consent.”
“You agree that if any lawsuit or court proceeding is permitted under this Agreement, the aggregate liability of us and our affiliates and suppliers to you for all claims...will not...exceed the greater of: (a) the amount of any affected order(s) giving rise to such damages, or (b) the amount of five hundred U.S. dollars ($500.00).”
“You may opt out of the foregoing arbitration clause and class action/jury trial waiver provision of this Agreement by NOTIFYING US IN WRITING WITHIN 30 DAYS OF THE DATE YOU LAST PLACED AN ORDER.”
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.
Which mapped governance frameworks each document engages, tied to the specific provisions that engage them.
We withheld clauses we had published from this document. Each withholding is recorded in our correction log:
“If you owe any payment or amount to Afterpay, Afterpay will not close or deactivate your Account until that payment or amount due has been made, but we may limit your ability to make additional transactions...”
“your consent and instructions for Afterpay to obtain one or more credit reports or other consumer reports from consumer reporting agencies for use in determining your eligibility for an Afterpay or First Electronic Bank loan...”
“We may transfer or assign this Agreement, and any rights under this Agreement, to a third party without notice to you or without your consent.”
“You agree that if any lawsuit or court proceeding is permitted under this Agreement, the aggregate liability of us and our affiliates and suppliers to you for all claims...will not...exceed the greater of: (a) the amount of any affected order(s) …”
“any Input you provide, including any personal data you choose to include within that Input, may be shared with such third party service providers to enable functionality within AI Products.”
“You may opt out of the foregoing arbitration clause and class action/jury trial waiver provision of this Agreement by NOTIFYING US IN WRITING WITHIN 30 DAYS OF THE DATE YOU LAST PLACED AN ORDER.”
“IF THE PARTIES ARE UNABLE TO RESOLVE A DISPUTE THROUGH INFORMAL NEGOTIATIONS, THE PARTIES AGREE THAT EITHER YOU OR WE MAY ELECT TO HAVE THE DISPUTE (EXCEPT THOSE DISPUTES EXPRESSLY EXCLUDED BELOW) FINALLY AND EXCLUSIVELY RESOLVED BY BINDING ARBITRATION.”
“You grant us and our subsidiaries, affiliates, and successors a worldwide, non-exclusive, royalty-free, fully paid, transferable, irrevocable, perpetual, and sub-licensable right to use, reproduce, modify, adapt, publish...”
“Limitation of Liability To the extent not prohibited by law, under no circumstances shall we, our subsidiaries, partners, or affiliates, be liable to you for: (a) personal injury or any indirect, incidental, consequential, special or exemplary damages...”
“Each person may only hold one Afterpay Account.”
“You agree that you will not include any sensitive personal data of any individual (including your Social Security number, passport or driver's license, data revealing racial or ethnic origin...) in any Input to AI Products.”
“you must not, and must not allow third parties to, use any content, data, Outputs or other information received or derived from AI Products, to directly or indirectly create, train, test, or otherwise improve any machine learning algorithms...”
Every distinct legal provision identified in this document. Featured provisions appear above with analysis.
We have not recorded a change to this document since we began capturing it. Monitor includes alerts from a daily check, structured change summaries, and monitoring for up to 20 platforms.
Need provision-level monitoring and regulatory mapping? Insight includes governance timelines, drift analysis, and full provision tracking.
Cross-platform context
See how other platforms handle Account Closure Blocked While Balance Owed and similar clauses.
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