Affirm Privacy Notice

Use & Processing · Company practice

Partners help collect data for site operations, analytics and personalized advertising

The Notice says Affirm's partners may help collect this data for site operations (features needed to provide the Services, such as recognizing a signed-in user, tracking content views, remembering preferences and ad frequency), analytics (understanding how the Services are used, tracking site performance and making improvements) and personalized advertising (tailored ads across services and devices and measuring ad effectiveness).

Supporting quotations

Our partners may help collect this data for:

Site operations: Enabling features that are necessary for providing you the Services on our site, such as identifying you as being signed in, tracking content views, remembering your preferences, and the number of times you have been shown an advertisement.

Analytics: Allowing us to understand how our Services are being used, track site performance, and make improvements.

Personalized advertising: Delivering tailored advertising based on your preferences or interests across services and devices, and measuring the effectiveness of advertisements.

Qualifications & exceptions

• Purposes are stated as site operations, analytics and personalized advertising.

Use & Processing · User right or choice

Opting out of ad networks limits interest-based ads but does not stop all advertising

Affirm points readers to the Network Advertising Initiative and Digital Advertising Alliance to learn how advertising networks collect and use information and how to limit that use, and notes that mobile advertiser IDs can be reset in device settings. It also says opting out of those networks does not stop ads on Affirm's Services or other websites; it limits interest-based advertising from participating companies under their opt-out tools and policies, companies outside those programs may continue interest-based ads, and deleting cookies may delete opt-out preferences.

Supporting quotations

You can learn more about how advertising networks collect and use your information, and how to limit that use, by visiting the Network Advertising Initiative, and the Digital Advertising Alliance. You can also manage tracking by certain mobile advertising networks through your device settings, including by resetting the advertiser ID on your Apple or Android device.

Please note that opting-out of these advertising networks services does not mean you will stop seeing ads while using our Services or on other websites. It only limits interest-based advertising from participating companies, in accordance with their opt-out tools and policies. Other companies that do not participate in these programs may continue to show you interest-based ads. Note that if you delete your cookies, you may also delete your opt-out preferences

Qualifications & exceptions

• Applies to participating advertising networks' interest-based advertising.
• Non-participating companies may continue interest-based ads.
• Deleting cookies may remove opt-out preferences.

Use & Processing · Company practice

Affirm uses information to run transactions, verify identity, collect payments and prevent fraud

To provide its Services, Affirm uses information to process transactions, resolve disputes, authenticate and verify identities, collect payments, prevent fraud and other illegal activities, customize the Services, and verify the accuracy of data. It may also be used to facilitate your relationship with merchant partners you choose to interact with.

Supporting quotations

We use your information for the following purposes:

Process transactions, resolve disputes, authenticate and verify identities, collect payments, prevent fraud and other illegal activities, customize the Services, and verify the accuracy of data. It may also be used to facilitate your relationship with our merchant partners you choose to interact with.

Qualifications & exceptions

• The merchant-partner facilitation applies to partners you choose to interact with.

Use & Processing · Company practice

Customer research, product development and AI or machine-learning tools use your information

Affirm uses information to understand its customer base, conduct research and analysis, develop new or improved products and Services, use artificial intelligence and/or machine learning tools, and build relationships with merchant partners. If you are an employee, representative or agent of a merchant, vendor or other business entity, the information may be used for the business relationship between that entity and Affirm, or to market a prospective relationship to the entity you represent.

Supporting quotations

Understand our customer base may be used to conduct research and analysis, develop new or improved products and Services, in the utilization of artificial intelligence and/or machine learning tools, and to build relationships with merchant partners. If you are an employee, representative, or agent of a merchant, vendor, or other business entity, it may be used in connection with the business relationship between the entity and Affirm, or to market a prospective relationship to the entity you represent.

Qualifications & exceptions

• Business-representative use covers the relationship between the entity and Affirm or marketing a prospective relationship to that entity.

Not stated here

• The Notice does not describe what data enters the AI or machine-learning tools or what those tools produce.

Use & Processing · Company practice

Information is used to answer your questions and provide customer support

Affirm uses information to provide customer service and support, and to respond to your questions, comments and other requests.

Supporting quotations

Provide customer service and support, respond to your questions, comments, and other requests.

Use & Processing · Company practice

Marketing uses include service updates, personalized offers and voluntary promotions

Affirm uses information to send service update notices and inform you about products, services and promotions that may be relevant. It may combine your information with information collected from other companies to improve and personalize your experience, including advertising, and may use it to operate sweepstakes, contests, referral programs or other optional promotional offers; participation is voluntary and you may opt out at any time.

Supporting quotations

Service update notices and inform you about products, services, and promotions that may be relevant. We may combine your information with information we collect from other companies and use it to improve and personalize your experience, including advertising. Your information may also be used to operate sweepstakes, contests, referral programs, or other optional promotional offers. Participation is voluntary and you may opt out at any time.

Qualifications & exceptions

• Participation in sweepstakes, contests and referral programs is voluntary.
• You may opt out at any time.

Use & Processing · Company commitment

De-identified information is not restricted, but Affirm promises not to re-identify it

Affirm de-identifies information so it cannot reasonably identify you or your device. Once information is de-identified, Affirm commits to keeping it in de-identified form and, if it discloses the information to third parties, to require them to commit not to re-identify it. Otherwise, Affirm's use and disclosure of de-identified information is not subject to any restrictions under this Notice, and Affirm may use and disclose it to others for any purpose without limitation.

Supporting quotations

De-identify information so it cannot reasonably identify you or your device. Once information has been de-identified, we commit to keeping it in de-identified form, and if we disclose it to third parties, we will also require them to commit to not re-identify it. Otherwise, our use and disclosure of de-identified information is not subject to any restrictions under this Privacy Notice, and we may use and disclose it to others for any purpose, without limitation.

Qualifications & exceptions

• The commitment covers keeping de-identified data de-identified and requiring recipients not to re-identify it.
• All other use and disclosure of de-identified information is stated to be unrestricted.

Not stated here

• The Notice does not describe the de-identification method or any re-identification controls beyond the recipient commitment.

Use & Processing · Company practice

Affirm does not respond to Do Not Track signals but honors required signals like GPC

The Notice says Do Not Track is a browser setting that signals a preference against cross-site tracking. Affirm says that while it provides privacy choices through the mechanisms described in its Cookies Notice, it does not currently recognize or respond to DNT signals, but it does honor legally required browser-based signals such as the Global Privacy Control.

Supporting quotations

Notice concerning Do Not Track. Do Not Track ("DNT ") is a browser setting that allows users to signal that they do not want their online activity tracked across websites. While we are committed to providing meaningful privacy choices through the mechanisms described in our Cookies Notice, we do not currently recognize or respond to DNT signals. However, as mentioned above, we do honor legally required browser-based signals such as GPC.

Qualifications & exceptions

• DNT is not recognized or responded to.
• Legally required browser signals such as GPC are honored.
• Other choices are described in the Cookie Notice.

Not stated here

• The Cookie Notice is not supplied in this source.