FERPA education records may be disclosed to Affirm for financing and servicing
By using Affirm's products or services, you authorize your educational institution to disclose certain personal information in your education records, as defined by FERPA — potentially mailing address, date of birth, and Social Security or Individual Taxpayer Identification Number — to Affirm, its affiliates, service providers and each Bank Partner, to the extent necessary for financing, servicing or related support. The information will be used solely to evaluate, originate, service or collect on your loan or payment plan, and for related compliance, fraud prevention and reporting obligations.
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Supporting quotations
By using Affirm's products or services you authorize your educational institution to disclose to Affirm, its affiliates and service providers, and each of Affirm's Bank Partners certain personal information contained in your education records, as defined by the Family Educational Rights and Privacy Act ("FERPA").
The information disclosed will be used solely for purposes of evaluating, originating, servicing, or collecting on your loan or payment plan, as well as for related compliance, fraud prevention, and reporting obligations.
Qualifications & exceptions
Purpose is limited to evaluating, originating, servicing or collecting the loan or payment plan and related compliance, fraud prevention and reporting.
Not stated here
FERPA is an external legal citation; its statutory requirements are not supplied here.
Sharing & Disclosure · Permission or license
Affirm and Bank Partners may share information for additional applications
If you request offers or apply for multiple or additional loans or an additional Affirm Service, you further authorize Affirm and its Bank Partners to share with each other information they have about you, including a consumer report, to determine your eligibility for those offers or applications.
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Supporting quotations
If you request offers or apply for multiple or additional loans or an additional Affirm Service, you further authorize us and our Bank Partners to share with each other information it has about you (including a consumer report), in order to determine your eligibility in connection with such offers or applications.
Qualifications & exceptions
The sharing is tied to assessing eligibility for additional offers or applications.
Sharing & Disclosure · Company practice
Loan performance may be reported to consumer reporting agencies
Affirm and/or its Bank Partners may report information about your loan or Savings Account — such as on-time, late and missed payments, defaults, and the fact you paid off the loan — to consumer reporting agencies, and that information may be reflected in your credit report or other consumer reports about you.
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Supporting quotations
You understand that Affirm and/or any of its Bank Partners may report information about your loan or Savings Account (such as on-time, late, and missed payments; any defaults; and the fact you paid off your loan) to consumer reporting agencies, and that such information may be reflected in your credit report or other consumer reports about you.
Qualifications & exceptions
The example list is illustrative, introduced by "such as".
Sharing & Disclosure · Permission or license
Wallet use shares transaction information with the wallet provider
You agree Affirm may share your information with the Digital Wallet provider, a payment network and others to enable card transactions through the wallet and make card-transaction information available to you. Using the Card in the wallet also shares transaction information with the wallet provider, whose privacy policy governs how it protects that information.
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You agree that we may share your information with the Digital Wallet provider, a payment network, and others in order to (i) enable Card transactions through the Digital Wallet, and (ii) to make information available to you about your Card transactions.
Qualifications & exceptions
The wallet provider's handling is governed by its own privacy policy, not this source.
Not stated here
The Digital Wallet provider's privacy policy is a separate document not supplied here.
Sharing & Disclosure · Restriction or exception
Third-party account access does not relieve you; you indemnify Affirm
If you give a third party express permission to act on your behalf or access particular account information, through its product or your Affirm account, Affirm may disclose the account information you authorized to that third party. Granting permission does not relieve you of your responsibilities under the Agreement, and you agree not to hold Affirm responsible for, and to indemnify it from, liability arising from that third party's actions or inactions connected with the permissions you grant.
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Supporting quotations
If you grant express permission to a third party to take specific actions on your behalf, or access particular information about your account, either through your use of the third party's product or service or through your Affirm account, you acknowledge that Affirm may disclose the information about your account that is authorized by you to this third party.
you acknowledge and agree that you will not hold Affirm responsible for, and will indemnify Affirm from, any liability arising from the actions or inactions of this third party in connection with the permissions you grant.
Qualifications & exceptions
Disclosure is limited to the account information you authorize.
Sharing & Disclosure · Permission or license
Wireless carrier may share account and device data with Affirm to prevent fraud
You authorize your wireless carrier to use or disclose information about your account and wireless device, if available, to Affirm or its service provider for the duration of your relationship, solely to help identify you or your device and prevent fraud. The Privacy Policy governs how Affirm treats the data.
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Supporting quotations
You authorize your wireless carrier to use or disclose information about your account and your wireless device, if available, to Affirm or its service provider for the duration of your relationship, solely to help them identify you or your wireless device and to prevent fraud.
Qualifications & exceptions
Purpose is limited to identification and fraud prevention.
Not stated here
The referenced Privacy Policy is a separate document not supplied here.