Affirm Terms of Service and E-Sign Consent Agreement

Affirm · agreement dated Jul 28, 2026 · Official agreement

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3 of 104 cards in Security & Safeguards

Security & Safeguards · Procedure

You are responsible for account credentials and account activity

You must maintain the secrecy of your Affirm account login credentials and any other access credentials, such as the password to your mobile device, and notify Affirm immediately if you believe your credentials or account security have been compromised or stolen. You are responsible for any activity taken on your Affirm account using your login credentials, except as expressly provided by law, and agree to establish reasonable security procedures and controls, including choosing passwords and credentials that protect your information. You also remain responsible for maintaining the accuracy of your account information.

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Supporting quotations

You are responsible for maintaining the secrecy of the login credentials to your Affirm account
You are responsible for any activity taken on your Affirm account using your login credentials, except as expressly provided by applicable law.

Qualifications & exceptions

  • Liability for credential-based activity is subject to exceptions expressly provided by applicable law.

Security & Safeguards · Restriction or exception

Prohibited technical and payment uses

You agree not to use any device, software, routine, file, tool or technology — including viruses, trojan horses, worms, time bombs or cancelbots — intended to damage or interfere with the Services or surreptitiously intercept or expropriate system, data or personal information; not to make payments on an existing Affirm loan or, unless expressly permitted, pay an existing loan or line of credit from another institution; not to accomplish a cash advance, wire or money transfer; not to commit unauthorized use of Affirm's website and systems, including unauthorized entry, password misuse or misuse of posted information; and not to impose an unreasonable or disproportionately large load on Affirm's infrastructure, including denial-of-service attacks or spam.

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Supporting quotations

You will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the Services or to surreptitiously intercept or expropriate any system, data or personal information from the Services;
You will not use the Services to make payment(s) on an existing Affirm loan(s).
You will not use the Services to accomplish a cash advance, wire or money transfer;
You will not commit unauthorized use of Affirm's Website and systems including but not limited to unauthorized entry into Affirm's systems, misuse of passwords, or misuse of any information posted to a site; and
You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, "spam" or any other such unsolicited overload technique.

Qualifications & exceptions

  • Paying another institution's loan is prohibited unless Affirm expressly permits it.

Security & Safeguards · Procedure

You must protect wallet credentials and report loss or unauthorized use

You are solely responsible for maintaining the confidentiality of your passwords, login ID and any other credentials or means used to access the Digital Wallet. You must contact Affirm immediately if you lose your phone or someone uses your Digital Wallet or credentials without authorization, and when you get a new phone you should delete all Cards and personal information from the wallet on the old phone.

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Supporting quotations

You are solely responsible for maintaining the confidentiality of your passwords, login ID, and any other credentials or means that you use to access the Digital Wallet.
Contact Affirm immediately if you lose your phone or if someone has used your Digital Wallet or your credentials without your authorization.

Qualifications & exceptions

  • The credential duty is stated as sole responsibility.