Autofill stores contact and payment details, excluding CVV, to fill forms
Affirm stores information you provide, authorize a third party to provide, or that a third party provides about you, and uses it to autofill forms during shopping. Examples include name, shipping address, telephone number, email, virtual card details, debit or credit card details excluding CVV, and billing address; financial-account, transaction and credit-history details may come from service providers. When you shop from an Affirm App, autofill works on the merchant site after you log in. You can disable payment autofill by removing your payment instrument under Payment Methods in the Profiles tab.
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Supporting quotations
we will store some of the information that you provide to us, or that you authorize a third party to provide to us, or that a third party provides to us about you, and use that information to autofill different forms for you during your shopping journey.
If you no longer want to use the autofill feature for payments, you can go to the Profiles Tab in the Affirm mobile app and remove your payment instrument under Payment Methods.
Qualifications & exceptions
CVV is excluded from stored card details per this block.
Data Access & Collection · Permission or license
Credit reports may be obtained at application, during the loan and for marketing
You expressly authorize Affirm and each Bank Partner to obtain consumer reports from consumer reporting agencies about you (1) when you request offers or apply for a loan or Savings Account, (2) periodically throughout the loan term, including the month after you pay off or otherwise satisfy the loan, or during the Savings Account relationship, (3) to determine eligibility and establish a prequalification amount while you are logged into your Affirm account or app, and (4) from time to time for marketing or other services such as financial-management and credit-profile tools and the marketplace.
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You expressly authorize Affirm and each of Affirm's Bank Partners to obtain (for itself or on behalf of Affirm or a Bank Partner) consumer reports from consumer reporting agencies about you
Qualifications & exceptions
The authorization extends to Affirm and each Bank Partner, for itself or on the other's behalf.
Reporting continues periodically through the loan and the month after payoff.
Data Access & Collection · Company practice
Payment reminders and collections may use any communication channel
You agree Affirm may send payment reminders from time to time, and — whether or not you have consented to or withdrawn consent to the Affirm E-Sign Consent — that reminders may take any available communication form, subject to applicable law. If you fail to pay an amount owed under this Agreement or another agreement with Affirm or a Bank Partner, Affirm may engage in collection efforts, including contacting you directly, submitting your information to a collections agency, or taking legal action. The source warns that failure to pay may affect your credit score.
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Supporting quotations
You agree to allow Affirm to send you payment reminders from time-to-time.
Notwithstanding whether you have consented or withdrawn your consent to the Affirm E-Sign Consent, you agree that payment reminders may take the form of any available communication, subject to applicable law.
Affirm may engage in collection efforts to recover such amounts from you.
FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE.
Qualifications & exceptions
Payment reminders are not limited by E-Sign consent under this block, subject to applicable law.
Collection remedies listed are examples, introduced by "may involve".
Data Access & Collection · Permission or license
Broad consent to account communications, including automated calls and texts
Affirm may provide account and service communications electronically, by phone or in writing to contact information on file; standard mobile, message or data rates may apply and you bear them. Electronic communications are deemed received when Affirm emails or otherwise sends them to your attention, and postal mail is assumed received three business days after sending. If Affirm needs to service or collect your account, you give direct consent to Affirm and its servicers, agents, contractors and collectors to communicate in any way — calling, texting or email — using a mobile or landline number you provide, use, or that Affirm believes can reach you (even if it is not yours); email addresses you give Affirm, its Bank Partners, service providers or merchants; automated dialer systems and automatic telephone dialing systems; and prerecorded or artificial voice messages. You agree these communications are not unsolicited for purposes of state or federal law and may incur charges. Affirm may close or limit access to your account or a Service and immediately collect all amounts due if you withdraw consent to electronic or other communications, revoke access to a third-party site the Service relies on, or that site cancels your account.
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You agree that Affirm may provide you communications about your account and any Affirm Service electronically or through phone calls or in writing to any contact information we have on file for you.
Any electronic communications will be considered to be received by you at the time we email it to you or otherwise send it to your attention (such as via sms or other online or mobile notification).
If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your account, to communicate with you in any way, such as calling, texting, or email via:
a mobile phone or landline you provide to us, use to contact us, or at which we believe we can reach you (even if it is not yours),
any email address you provide to us, one of our Bank Partners, service providers, or one of our Merchants,
automated dialer systems and automatic telephone dialing systems,
pre-recorded or artificial voice messages and other forms of communications.
You also agree that these communications are not unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges.
Qualifications & exceptions
The contact methods listed are introduced by "such as," so the list illustrates rather than exhausts the channels.
One listed phone number may be one Affirm believes can reach you even if it is not yours.
Withdrawing communications consent can lead Affirm to close or limit access and collect amounts due.
Calls may be monitored or recorded without further notice
Affirm may monitor or record telephone conversations you or anyone acting on your behalf has with Affirm or its agents for quality control, training or its own protection. You acknowledge communications may be overheard, monitored or recorded without further notice or warning, that not all lines or calls are recorded, and that Affirm does not guarantee a recording is retained or retrievable.
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Supporting quotations
Affirm may monitor or record telephone conversations you or anyone acting on your behalf has with Affirm or its agents for quality control and training purposes or for its own protection.
You acknowledge and understand that, while your communications with Affirm may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Affirm, and Affirm does not guarantee that recordings of any particular telephone calls will be retained or retrievable.
Qualifications & exceptions
Not all calls are recorded, and retention is not guaranteed.
Data Access & Collection · Permission or license
Identity verification uses Onfido and Jumio, with separate vendor terms
Where Onfido verifies identity, you agree you have read, understand and accept Onfido's Facial Scan Policy and Release, Privacy Policy and Terms of Service. Where Affirm uses Jumio, you consent to Jumio collecting, processing and sharing your personal information, which may include biometric data, under Jumio's Privacy Notice.
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Where Onfido is used for verifying your identity, you agree that you have read, understand, and accept the
In certain circumstances, Affirm uses Jumio for identity verification purposes.
Qualifications & exceptions
The vendor documents are incorporated only for the identity-verification contexts described.
Not stated here
Onfido's Facial Scan Policy and Release, Privacy Policy and Terms of Service, and Jumio's Privacy Notice, are linked but not supplied here; their terms and data practices are unknown.
Data Access & Collection · Company practice
Tools may be changed or withdrawn; supplied data may be lost and used for marketing
Affirm may modify or stop offering any tool at any time without notice and has no obligation to continue a particular tool or keep it free. If a tool is modified or withdrawn, you may lose access to information you supplied in connection with it and have no right to obtain that information from Affirm. Information about outside accounts may be out of date, and Affirm states it has no liability if a tool is unavailable or malfunctioning. Some tools or tool functionality are limited to consumers with certain lender, service-provider or financial-institution relationships or certain financial products. Affirm may use information gathered through the tools to market other products and services, including third parties' products.
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We have no obligation to continue to make any particular tool available to you or to do so without charge.
you understand that you may lose access to any information that you may have supplied in connection with your use of the tool and have no rights to obtain such information from us.
You agree that we may use information we gather through the tools to market other products and/or services to you, including those of third parties.
you agree that we have no liability to you if this occurs or in connection with the tools generally.
Qualifications & exceptions
The no-liability statement is specific to tool availability and functioning in this block.
Marketing use covers products and services of third parties.
Data Access & Collection · Permission or license
Linking a bank account grants Affirm and providers a limited power of attorney
To provide tools and other services, Affirm may rely on third-party providers. By linking your bank account, you authorize Affirm and its providers to access your financial accounts on your behalf and gather information about you, and you give them a limited power of attorney, appointing them as your attorney-in-fact and agent to access, transmit and use your information as necessary. You agree to transfer, storage and processing of your information by those providers under their own privacy policies. Affirm states it has no liability for damages from those providers' actions or inactions or from inaccurate account information.
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By linking your bank account to a tool or Service, you authorize us and our third party providers to access your financial accounts on your behalf, and to gather information about you.
You give us and our third party providers a limited power of attorney
We have no liability to you for any damages you may suffer as a result of any such third party's actions or inactions or from inaccurate account information.
Qualifications & exceptions
The power of attorney is described as limited and tied to providing the tools and Services.
Provider handling is governed by each provider's privacy policy.
Data Access & Collection · Permission or license
Identity-verification inquiries authorized; account may be closed if unverifiable
By using the Affirm Services, you authorize Affirm, directly or through third parties, to make any inquiries it considers necessary to validate your identity and to collect information under the Customer Identification Program rules implementing Section 326 of the USA PATRIOT Act and its Privacy Policy, including for a business or entity. This can include asking for more information, confirming ownership of your email address or financial instruments, checking third-party databases or other sources, and requesting identifying documents. Affirm reserves the right to close, suspend or limit access to your account or the Services if it cannot obtain or verify the information.
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Supporting quotations
you authorize Affirm, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with the Customer Identification Program (CIP) rules implementing Section 326 of the USA PATRIOT Act and our Privacy Policy.
Affirm reserves the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information.
Qualifications & exceptions
The inquiries are described as those Affirm considers necessary to validate identity.
Not stated here
Section 326 of the USA PATRIOT Act is an external legal citation; its statutory text is not supplied here.
The referenced Privacy Policy is a separate document not supplied here.