Affirm Privacy Notice

Account & Service Control · User right or choice

You can change notification preferences, but opting out of crucial notices may limit your account

If you no longer wish to receive notifications about the Services such as account alerts, scheduled payment reminders, legal compliance notices or deals nearby, you can change notification preferences by contacting Affirm through its help center, or by adjusting preferences in your account or following the directions in the communication. Affirm reserves the right to close or limit access to your account if you opt out of the crucial notices required to perform the Service, and you remain responsible for amounts due to Affirm even if the account is closed or limited.

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If you no longer wish to receive notifications about our Services such as account alerts, scheduled payment reminders, legal compliance or deals nearby, you may change your notification preferences by contacting us here. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Affirm reserves the right to close or limit access to your account should you opt-out of the crucial notices that are required to perform the Affirm Service. You are still responsible for any amounts due to Affirm even if we close or limit access to your account.

Qualifications & exceptions

• Changing preferences may be done through the help center, account settings or the directions in a communication.
• Affirm reserves the right to close or limit access if you opt out of crucial notices.
• Amounts due remain owed after closure or limitation.

Account & Service Control · User right or choice

Replying STOP opts out of SMS messages, with the same account-closure reservation

You can opt out of receiving SMS messages by replying "STOP" or contacting Affirm through its help center, or by adjusting preferences in your account or following the directions provided with the communication. Affirm again reserves the right to close or limit access to your account if you opt out of crucial notices required to perform the Service, and you remain responsible for amounts due even if the account is closed or limited.

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You can opt out of receiving SMS messages by replying "STOP" or contacting us here. Alternatively, you may be able to indicate your preference by logging into your account and adjusting your preferences or by following the directions provided with the communication. Again, Affirm reserves the right to close or limit access to your account should you opt out of the crucial notices that are required to perform the Affirm Service. You are still responsible for any amounts due to Affirm even if we close or limit access to your account.

Qualifications & exceptions

• Opt-out is by replying STOP or through the help center or account preferences.
• Affirm reserves the right to close or limit access if you opt out of crucial notices.
• Amounts due remain owed.

Account & Service Control · User right or choice

You can review, edit or close your account, but closed-account data is kept for legal and fraud reasons

You can review and edit your personal information at any time by logging into your account or contacting Affirm through the My account section, and you can request to close your account if you do not have an active loan. If you close your Affirm account, Affirm marks it "Closed" in its database but keeps the account information to comply with legal obligations and to deter fraud by preventing people from avoiding detection through closing and reopening accounts. Affirm says the personally identifiable information will not be used for further purposes, nor sold or disclosed to third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with the Notice.

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You can review and edit your Personal Information at any time by logging in to your account or by contacting us through the My account section here. You can also request to close your account if you do not have an active loan by contacting us here. If you close your Affirm account, we will mark your account in our database as "Closed," but will keep your account information in our database to comply with our legal obligations. This is necessary in order to deter fraud, by ensuring that persons who try to commit fraud will not be able to avoid detection simply by closing their account and opening a new account. If you close your account, your personally identifiable information will not be used by us for any further purposes, nor sold or disclosed to third parties, except as necessary to prevent fraud and assist law enforcement, as required by law or in accordance with this Privacy Notice.

Qualifications & exceptions

• Account closure requires no active loan.
• Closed-account information is retained to comply with legal obligations and deter fraud.
• The no-further-use statement is subject to fraud prevention, law enforcement, legal requirements and the Notice.

Account & Service Control · User right or choice

Consumers in five states may request access to the information Affirm holds

Residents of California, Oregon, Minnesota, Montana and Connecticut may request access to personal information collected about them, and information about the source of that information, the purposes for which it is collected, and the third parties and service providers with whom Affirm shares it.

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Right to know/access information: request access to Personal Information collected about you and information regarding the source of that information, the purposes for which we collect it, and the third parties and service providers with whom we share it.

Qualifications & exceptions

• Applies to residents of California, Oregon, Minnesota, Montana and Connecticut.

Account & Service Control · User right or choice

Consumers may request correction of inaccurate personal information in certain circumstances

Residents of the five listed states may request correction of inaccurate personal information that Affirm holds about them under certain circumstances. Affirm account holders may generally modify certain personal information by logging into their account or contacting Affirm through the My Account section.

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Right to correct/rectify inaccurate information: request correction of inaccurate Personal Information that we hold about you under certain circumstances. Affirm account holders may generally modify certain Personal Information by logging into your account or contacting us through the My Account section here.

Qualifications & exceptions

• Correction of inaccurate information is available under certain circumstances.
• Account holders can generally modify certain information themselves.

Account & Service Control · User right or choice

Consumers may request deletion of collected personal information, subject to legal exceptions

Residents of the five listed states may request deletion of any personal information that Affirm has collected from them, subject to legal exceptions.

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Right to request deletion of information: request deletion of any Personal Information that we have collected from you, subject to legal exceptions.

Qualifications & exceptions

• Deletion is subject to legal exceptions.

Not stated here

• The Notice does not list the legal exceptions in this section.

Account & Service Control · User right or choice

Exercising these rights should not lead to unfair treatment or denied services

The Notice states a right to non-discrimination: exercising any of the listed rights should not result in being treated unfairly or denied services.

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Right to non-discrimination: Exercise any of the rights listed here without being treated unfairly or denied services.

Qualifications & exceptions

• Stated as exercising the listed rights without unfair treatment or denial of services.

Account & Service Control · User right or choice

Sensitive-data limits exist for California and Oregon, but Affirm says it collects little

Residents of California and Oregon may request that Affirm limit the use or disclosure of certain sensitive personal information: information about race, ethnicity, religion and philosophical beliefs, financial information that would enable access to an account, biometric information, health information including status as transgender or non-binary, status as a victim of a crime, and past or present geolocation information within 1,750 feet of their location. Affirm says it does not collect or process sensitive personal information at this time, except geolocation information if you choose to allow it in the App.

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Residents of California and Oregon may request that we limit the use or disclosure of certain sensitive personal information. This includes information about your race, ethnicity, religion, and philosophical beliefs, financial information to the extent such would enable access to your account, biometric information, and health information including your status as transgender or non-binary, your status as a victim of a crime, past and present geolocation information within 1,750 feet of your location. However, please note that Affirm does not collect or process sensitive personal information at this time, with the exception of geolocation information if you choose to allow this within the App.

Qualifications & exceptions

• Applies to California and Oregon residents.
• Affirm states it does not currently collect or process sensitive personal information, except app geolocation the user allows.

Not stated here

• The Notice does not explain how the limit request would be handled if sensitive information were collected.

Account & Service Control · User right or choice

Oregon, Minnesota and Montana residents may appeal a denied privacy request

Residents of Oregon, Minnesota and Montana may submit an appeal if Affirm denies a privacy-related request, by emailing privacy@affirm.com with the subject line "Oregon resident appeal," "Minnesota resident appeal" or "Montana resident appeal" as applicable.

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You may submit an appeal if we deny a privacy-related request. For instructions on how to file an appeal, please email us at privacy@affirm.com, with the subject line "Oregon resident appeal," "Minnesota resident appeal," or "Montana resident appeal" as applicable.

Qualifications & exceptions

• Applies to Oregon, Minnesota and Montana residents.
• Appeals go by email with the state-specific subject line.

Account & Service Control · Procedure

Privacy requests go through the account portal or Customer Care, or by email

Affirm says privacy rights can be exercised in two ways. Account holders may submit a request through the account privacy portal or by contacting Customer Care at (855) 423-3729, and signing in lets Affirm verify identity automatically for faster processing. People without an account, or who have trouble submitting through the account, may email privacy@affirm.com with the subject line "non-account holder."

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You can exercise your privacy rights in two ways:

If you have an Affirm account, you may submit a request by visiting here or by contacting Customer Care at (855) 423-3729. By signing in to your account to submit the request, you will be able to automatically verify your identity, which will result in faster processing of your request.

If you do not have an Affirm account, or are having trouble submitting a request through your account, you may submit a request by emailing us at privacy@affirm.com with the subject line "non-account holder."

Qualifications & exceptions

• Account-holder requests can be verified automatically by signing in.
• Non-account-holder requests go by email with the stated subject line.

Not stated here

• The account privacy portal linked as "here" is not supplied as text in this source; its request form content is not analyzed.

Account & Service Control · Procedure

Affirm verifies requests by matching identifiers or confirming contact details

Before processing a request, Affirm verifies it. Depending on the request and how it was submitted, Affirm does this by asking you to provide personal identifiers it can match against information it previously collected, and by asking you to confirm the request using the email address or telephone number stated in the request. If you authorized someone else, such as an authorized agent, Affirm requires a signed letter confirming that person's identity and authority, which can be sent to privacy@affirm.com with the subject line "authorized third party."

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In order to process your request, we must verify your request. Depending on the type of request and how you submit your request (e.g., through your account or via email) we do this by:

Asking you to provide personal identifiers we can match against information we may have collected from you previously

Asking you to confirm your request using the email address or telephone number stated in the request.

If you have authorized someone else to make requests on your behalf (e.g., an authorized agent), we will require that you provide a signed letter confirming the identity and authority of that person. Such signed letters can be submitted by emailing privacy@affirm.com with the subject line "authorized third party."

Qualifications & exceptions

• Verification method depends on the request type and submission channel.
• Authorized agents require a signed letter confirming identity and authority.