Affirm Privacy Notice

Data Access & Collection · Company practice

Affirm collects identity and profile details when you open an account or use the Services

If you open an account or use the Affirm Services, directly or through a merchant partner or third-party platform, Affirm may collect identity and profile information: full name, date of birth, Social Security number, Individual Taxpayer Identification Number, email address, mailing address, phone number, password and account preferences (if you create an account).

Supporting quotations

If you open an account or use the Affirm Services, either directly or through a merchant partner or a third-party platform, we may collect the following types of information:

Identity and Profile Information. This includes your full name, date of birth, Social Security number, Individual Taxpayer Identification Number, email address, mailing address, phone number, password and account preferences (if you create an account with us).

Qualifications & exceptions

• Collection may occur directly or through a merchant partner or a third-party platform.
• Account preferences are collected only if you create an account with Affirm.

Data Access & Collection · Company practice

Customer service calls, chats and emails may be recorded and kept for quality and training

Affirm collects information you provide when you engage its customer service personnel and mechanisms, including recorded phone calls, chat conversations, surveys and email correspondence. Recordings and transcripts of those interactions may be stored by Affirm and/or its vendors on its behalf for quality assurance and training purposes.

Supporting quotations

Customer Service Interaction Information. We collect information you provide when you engage with Affirm's customer service personnel and mechanisms, including through recorded phone calls, chat conversations, surveys, and email correspondence. Note that recordings and transcripts of customer service interactions may be stored by us and/or our vendors on our behalf for quality assurance and training purposes.

Qualifications & exceptions

• Storage may be by Affirm or by vendors acting on its behalf.
• Recordings and transcripts are kept for quality assurance and training.

Not stated here

• The Notice does not state how long recordings are retained.

Data Access & Collection · Company practice

Affirm records your marketing communication preferences, including third-party marketing

Affirm collects direct marketing and communications information: your preferences in receiving marketing communications from Affirm and its third parties, described as marketing and servicing vendors and merchant partners.

Supporting quotations

Direct Marketing and Communications Information. This includes your preferences in receiving marketing communications from us and our third parties (marketing and servicing vendors and merchant partners).

Qualifications & exceptions

• Third parties named are marketing and servicing vendors and merchant partners.

Data Access & Collection · Company practice

Location is collected only if you enable map search, and device settings can withdraw it

Affirm may collect or infer information about your general or precise location, including the precise location of your device, if you choose to enable that functionality by searching using maps on your device in the App. You can withdraw consent to this at any time using your device settings.

Supporting quotations

Geolocation Information. We may collect or infer information about your general or precise location (including the precise location of your device) if you choose to enable that functionality by searching using maps on your device in the App. You can withdraw your consent to this at any time using your device settings.

Qualifications & exceptions

• Precise device location depends on enabling map search in the App.
• Consent can be withdrawn at any time in device settings.

Data Access & Collection · Company practice

Photographs may be used by identity-verification vendors, including facial recognition

Affirm may collect information about your physical or biological characteristics such as photographs. Those photographs may be used by Affirm's identity verification vendors to verify your identity or detect fraud, including through facial recognition technologies controlled by those vendors.

Supporting quotations

Photographs. We may collect information about your physical or biological characteristics such as photographs. These photographs may be used by our identity verification vendors for verifying your identity or detecting fraud (including through facial recognition technologies controlled by such vendors).

Qualifications & exceptions

• Use is by identity verification vendors for identity verification or fraud detection.
• Facial recognition technologies are controlled by those vendors.

Not stated here

• The Notice does not name the identity verification vendors or state retention for photographs and facial-recognition data.

Data Access & Collection · Company practice

The browser extension reads merchant pages you open while it is enabled

If you use Affirm's browser extension or in-app browser, Affirm may collect information from merchant webpages you choose to access through those features while they are enabled, including website domain, page URL, cart contents, product details, pricing, quantities and related page information. Affirm uses that information to provide and improve extension features, provide more personalized experiences and support related services.

Supporting quotations

Browser Extension. If you use our browser extension or in-app browser, we may collect information from merchant webpages you choose to access through those features while they are enabled including website domain, page URL, cart contents, product details, pricing, quantities, and related page information. We use this information to provide and improve extension features, provide more personalized experiences, and support related services.

Qualifications & exceptions

• Covers merchant pages accessed through the extension or in-app browser while enabled.
• Stated purposes are providing and improving extension features, personalization and related services.

Data Access & Collection · Company practice

Usage and device data is collected automatically, including identifiers and activity

Affirm may automatically collect usage details and device information: browser, operating system or device details such as MAC address, cookie identifiers, IP address, mobile advertising and other unique identifiers, device ID, internet service provider, mobile carrier, general and inferred location, actions taken in the Services, interaction frequency and duration, links clicked, and other information about use. The Notice says this information is often collected through cookies, web beacons and other tracking technologies.

Supporting quotations

Usage Details and Device Information. We may collect certain information automatically when you use the Services, including details about your browser, operating system or device, (such as your MAC address, cookie identifiers, Internet protocol (IP) address, mobile advertising, and other unique identifiers, device ID, Internet service provider, mobile carrier, general location information (including inferred location based off of your IP address), actions that you take while using the Services, information about how you interact with the Services, including the frequency and duration of your activities, information about the links you click, and other information about how you use the Services.

The information described in this "Usage Details and Device Information" section is often collected through cookies, web beacons, and other tracking technologies.

Qualifications & exceptions

• Collected automatically when you use the Services.
• The Notice says the data is often collected through cookies, web beacons and other tracking technologies.

Not stated here

• The linked Cookie Notice is not supplied in this source; its purposes and opt-out details are not analyzed here.

Data Access & Collection · Company practice

Business users and sole proprietors also have business details collected

For business users or sole proprietors, Affirm may also collect business name, industry, business address, business email, business telephone number, tax identification number and ownership percentages.

Supporting quotations

Information about Businesses and Business Representatives. In addition to the other types of information listed in this section, if you are a business user or sole proprietor, we may collect your business name, industry, business address, business email, business telephone number, tax identification number, and ownership percentages.

Qualifications & exceptions

• Applies to business users and sole proprietors.

Data Access & Collection · Company practice

Affirm obtains information from vendors and service providers such as IT and security firms

Affirm says it may also obtain information about you from vendors and service providers it relies on to provide the Services, such as IT and security service providers.

Supporting quotations

We may also obtain information about you from:

Vendors/service providers. This includes vendors we rely on to provide our Services, like IT and security service providers.

Data Access & Collection · Company practice

Credit, identity and fraud-prevention sources are used to enrich loan eligibility decisions

Affirm says it relies on third-party sources to enrich its loan eligibility determinations, including credit reporting agencies, identity verification, fraud prevention and similar services.

Supporting quotations

Third party sources that we rely on to enrich our loan eligibility determinations. This includes credit reporting agencies, identity verification, fraud prevention, and similar services.

Qualifications & exceptions

• The stated purpose is enriching loan eligibility determinations.

Data Access & Collection · Company practice

Merchant partners and other third parties supply addresses and account information

Affirm may obtain information about you, such as billing and shipping address, from third parties like merchant partners you interact with, identity verification services, public sources, or companies that partner with Affirm to provide products and services.

Supporting quotations

Merchant partners. We may obtain information about you, such as your billing and shipping address, from third parties like our merchant partners you interact with, identity verification services, or public sources or that we receive from companies that partner with us to provide products and services.

Qualifications & exceptions

• Examples given are billing and shipping address.

Data Access & Collection · Company practice

Advertising and research partners supply interest, demographic and ad-interaction data

Affirm obtains information from online advertising companies and other advertising and research partners, including third parties who may disclose information about your interests, demographic information, and information about the marketing and advertisements you have seen or clicked on while browsing the internet.

Supporting quotations

Online advertising companies and other advertising and research partners. This includes third parties who may disclose information about your interests, demographic information, and information about the marketing and advertisements you have seen or clicked on as you browse the internet.

Not stated here

• The Notice does not name these advertising or research partners.

Data Access & Collection · Company practice

Information from your third-party accounts is limited by those sites' settings and your authorization

Affirm may access information from your accounts managed by third parties, including social media platforms and publicly available data sources. The information available varies by third-party site and is controlled by your privacy settings and authorization on that site.

Supporting quotations

Social media platforms and other publicly available data sources managed by third parties. Affirm may have access to your information from your accounts managed by third parties. The information we have access to varies by third party site and is controlled by your privacy settings and authorization on that site.

Qualifications & exceptions

• The information available varies by third-party site.
• It is controlled by your privacy settings and authorization on that site.

Data Access & Collection · Company practice

Business partners may supply information to link accounts and pre-populate onboarding

Affirm may collect information about you from business and strategic partners that collaborate with Affirm, which allows it to link your existing Affirm account to other services or platforms you use, or to pre-populate your information to streamline account creation and enhance your experience.

Supporting quotations

Business and Strategic Partners. Affirm may collect information about you from business and strategic partners that collaborate with Affirm. This allows us to link your existing Affirm account to other services or platforms you use, or to pre-populate your information to streamline account creation and enhance your experience with our Services.

Qualifications & exceptions

• Stated uses are linking an existing Affirm account to other services and pre-populating account creation.

Data Access & Collection · User right or choice

Disabling, uninstalling or hiding the extension stops its collection

You can stop all collection of information by the browser extension by disabling it in the browser settings, uninstalling the extension, or hiding it. Collection through the in-app browser can be limited by choosing not to use the in-app browser for merchant browsing where an alternative is available.

Supporting quotations

You can stop all collection of information by our browser extension by disabling it in the browser settings, uninstalling the browser extension, or hiding the extension. You can limit collection through the in-app browser by choosing not to use the in-app browser for merchant browsing where an alternative is available.

Qualifications & exceptions

• The in-app browser limit applies where an alternative is available.

Data Access & Collection · Company practice

California table lists network activity as the category collected, with its sources and recipients

In its California Notice at Collection, Affirm's table lists "Internet or other similar network activity" as the category of personal information it may collect. For that category the table states: Affirm collects browsing history, search history and interaction with websites, applications or advertisements automatically when you use the Services; the information is used for the purposes in Section 2, including gauging online activity, measuring the effectiveness of online services and tools, and serving targeted ads based on online activities; it is disclosed to service providers, merchant partners, advertising partners and other third parties listed in Section 3; and retention is described in Section 6. It points to the Cookie Notice for tracking technologies and cookie settings.

Supporting quotations

We may collect the following categories of personal information:

Categories of Personal Information we may collect

Category of Personal Information Required Information

Internet or other similar network activity

We collect information about your browsing history, search history, interaction with websites, and applications or advertisements automatically when you utilize our Services.

Source: Collected automatically when you use our Services.

Purpose of collection and use: Used for purposes listed under Section 2 above, including to gauge online activity on our website, measure the effectiveness of online services, applications, and tools, and to serve targeted advertisements based on your online activities.

Categories of Parties to Whom PI is "Disclosed":

Service providers

Merchant partners

Advertising partners

Other third parties listed under Section 3.

Retention Considerations: See Section 6

Learn more about tracking technologies and cookie settings in our Cookie Notice.

Qualifications & exceptions

• The table states one category of personal information: internet or other similar network activity.
• Collection is automatic when you use the Services.
• Parties listed are service providers, merchant partners, advertising partners and other third parties listed in Section 3.
• Retention is by reference to Section 6.

Not stated here

• The Cookie Notice linked for tracking and cookie settings is not supplied.

Data Access & Collection · Context

Notice covers how Affirm and its affiliates handle information for the Services

Affirm, Inc., together with Affirm Loan Services, LLC, Affirm Financial Solutions, LLC and Affirm Payments, LLC (collectively "Affirm"), explains in this Notice how it collects, uses and discloses your information when you request and obtain its financial products, interact with Affirm as a representative of another business, use its website, browser extension or mobile applications, or otherwise interact with it (the "Services"). The Notice also explains data privacy rights and how to exercise them.

Supporting quotations

This Privacy Notice ("Notice") explains how Affirm, Inc. and its affiliates Affirm Loan Services, LLC, Affirm Financial Solutions, LLC and Affirm Payments, LLC (collectively, "Affirm") collect, use and disclose your information when you request and obtain our financial products, interact with Affirm as a representative of another business, use our website, browser extension, and mobile applications, or otherwise interact with us (our "Services"). We also explain your data privacy rights and how you can exercise them.

Qualifications & exceptions

• The described scope includes financial products and the website, browser extension and mobile applications.
• Interacting with Affirm as a representative of another business is also within the described scope.