Affirm Privacy Notice

Sharing & Disclosure · Company practice

Online advertising partners may also collect information through tracking technologies

The Notice says the information described in its usage section is often collected through cookies, web beacons and other tracking technologies, and that third parties who assist with online advertising may use tracking technologies to collect or receive information through the Services and elsewhere on the internet for measurement services and targeted ads. Those third parties may let other companies access the information so those companies can advertise products as you browse.

Supporting quotations

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

To third parties who assist us in serving online advertising regarding the Services. These third parties may use tracking technologies to collect or receive information through the Services and elsewhere on the internet and use that information to provide measurement services and targeted ads. Third parties may allow other companies to access information about you so that they may advertise other products you may be interested in as you browse the internet.

Qualifications & exceptions

• Applies to third parties who assist with online advertising.

Not stated here

• The Notice does not name the advertising partners or the other companies given access.

Sharing & Disclosure · Company practice

Information is disclosed to Affirm's affiliates and subsidiaries, including experience data

Affirm discloses your information to its affiliates and subsidiaries, including information about your experience using the Services, as one of the purposes for which it discloses information.

Supporting quotations

We disclose your information for the following purposes:

To our affiliates and subsidiaries, including information regarding your experience using our Services.

Qualifications & exceptions

• Includes information about your experience using the Services.

Sharing & Disclosure · Company practice

Service providers and contractors process information for Affirm's business functions

Affirm discloses information to service providers and contractors to perform functions on its behalf, such as processing transactions, marketing, billing and collection, auditing and accounting, professional services, measurement and analytics services, security, maintenance and hosting of the Services, and IT.

Supporting quotations

To service providers and contractors to perform functions on our behalf, such as processing transactions, marketing, billing and collection, auditing and accounting, professional services, measurement and analytics services, security, maintenance and hosting of our Services, and IT.

Qualifications & exceptions

• The listed recipients act to perform functions on Affirm's behalf.

Sharing & Disclosure · Company practice

Vendors, servicers, underwriting banks and credit bureaus receive information to offer the Services

Affirm discloses information to certain third parties as necessary to offer and improve the Services, including vendors who assist with identity verification, servicers of loans and lines of credit, business and strategic partners, partner and underwriting financial institutions, credit bureaus and other financial institutions.

Supporting quotations

To certain third parties as necessary to offer and improve our Services, including vendors who assist with identity verification, servicers of loans and lines of credits, business/strategic partners, partner and underwriting financial institutions, credit bureaus, and other financial institutions.

Qualifications & exceptions

• Disclosure is described as necessary to offer and improve the Services.

Sharing & Disclosure · Company practice

Fraud and risk providers may use shared data to improve their own risk products

Affirm discloses information to third-party fraud prevention, identity verification and risk intelligence providers that help detect, prevent and investigate fraud, security incidents and other harmful or unlawful activity. Those providers may use the information, together with information from other clients, to maintain and improve their fraud detection and risk intelligence products, including aggregated, deidentified or model-based insights that help Affirm and other clients identify potentially fraudulent or high-risk activity, as permitted by applicable law. Affirm says it does not authorize these providers to use personal information for their own direct marketing.

Supporting quotations

To third party fraud prevention, identity verification, and risk intelligence providers that help us detect, prevent, and investigate fraud, security incidents, and other harmful or unlawful activity. These providers may use information we disclose to provide fraud screening, authentication, identity verification, risk scoring, and related services to us. They may also use information we disclose, together with information they receive from other clients, to maintain and improve their fraud detection and risk intelligence products and services, including by generating aggregated, deidentified, or model-based insights that may be used to help us and other clients identify potentially fraudulent or high risk activity, as permitted by applicable law. We do not authorize these providers to use your personal information for their own direct marketing purposes.

Qualifications & exceptions

• Providers may combine Affirm's data with information from other clients to maintain and improve their products.
• Affirm states it does not authorize use for the providers' own direct marketing.
• Provider use is described as permitted by applicable law.

Not stated here

• The Notice does not name the fraud and risk providers or the model-based insights they produce.

Sharing & Disclosure · Company practice

Merchants receive information, and accepting the Notice consents to their marketing

Affirm discloses information to merchants you interact with while using the Services to effectuate your transactions, for internal analysis, for improvement of the Services, and to maintain and grow its partnerships with those merchants. The Notice says that when you accept it and use the Services, you consent to Affirm disclosing your information to merchants you interact with so those merchants can market to you, to help them personalize services and offers.

Supporting quotations

3.5 With our merchant partners.

To merchants you interact with while using our Services to effectuate your transactions, for internal analysis, for improvement of the Services, and to maintain and grow our partnerships with such merchants. When you accept this Notice and use our Services, you consent to us disclosing your information to merchants you interact with for those merchants to market to you. We do this to help merchants personalize services and offers, so you can have a better experience.

Qualifications & exceptions

• Applies to merchants you interact with while using the Services.
• Consent to merchant marketing is tied to accepting the Notice and using the Services.

Not stated here

• The Notice does not identify which merchants receive the information or how they use it beyond marketing.

Sharing & Disclosure · User right or choice

Merchant marketing sharing can be switched off without stopping transaction disclosures

To opt out of information disclosure to merchants for marketing, an account holder logs into Affirm and updates the "Allow Affirm to share your data" toggle in the "Security and privacy" tab under "Settings." If you opt out, Affirm says it will continue to disclose information as necessary to complete transactions you initiate but will not disclose information for marketing purposes.

Supporting quotations

To opt-out of information disclosure to merchants for marketing, log into your Affirm account at www.affirm.com/u/ and update the "Allow Affirm to share your data" toggle in the "Security and privacy" tab in "Settings." If you opt out, we will continue to disclose your information as necessary to complete transactions you initiate, but will not disclose information for marketing purposes.

Qualifications & exceptions

• The opt-out is made in account settings through the sharing toggle.
• Transaction-related disclosures continue after opting out.

Sharing & Disclosure · Company practice

Advertising partners use tracking data and may pass access to other companies

Affirm discloses information to third parties who help it serve online advertising about the Services. Those third parties may use tracking technologies to collect or receive information through the Services and elsewhere on the internet and use it to provide measurement services and targeted ads, and may allow other companies to access information about you so those companies can advertise products to you as you browse.

Supporting quotations

To third parties who assist us in serving online advertising regarding the Services. These third parties may use tracking technologies to collect or receive information through the Services and elsewhere on the internet and use that information to provide measurement services and targeted ads. Third parties may allow other companies to access information about you so that they may advertise other products you may be interested in as you browse the internet.

Qualifications & exceptions

• Recipients are third parties who assist with online advertising.

Not stated here

• The Notice does not name the advertising partners or the other companies that may receive access.

Sharing & Disclosure · Company practice

Information may transfer with a reorganization, merger, sale or change of control

Affirm discloses information in connection with corporate transactions, if it enters into or intends to enter into a transaction that alters the structure of its business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of its business, assets or stock.

Supporting quotations

In connection with corporate transactions, in the event that Affirm enters into, or intends to enter into, a transaction that alters the structure of our business, such as a reorganization, merger, sale, joint venture, assignment, transfer, change of control, or other disposition of all or any portion of our business, assets or stock.

Qualifications & exceptions

• Applies to a transaction Affirm enters into or intends to enter into.
• Covers all or any portion of its business, assets or stock.

Not stated here

• The Notice does not state what notice or choice customers receive before such a transfer.

Sharing & Disclosure · User right or choice

California Shine the Light requests are answered by an opt-out of merchant marketing sharing

The Notice explains that California residents may request information about whether certain categories of personal information were disclosed to third parties for their direct marketing during the preceding year, and that companies may either provide that information on request or offer a way to opt out. Affirm provides an opt-out: it discloses personal information to merchant partners about customers who created an Affirm account so those merchants can provide more relevant advertising, and the opt-out is the "Allow Affirm to share your data" toggle in the "Security and privacy" tab under "Settings." After opting out, Affirm continues to disclose personal information as necessary to complete transactions you initiate but not for the merchants' own direct marketing.

Supporting quotations

California Shine the Light Law: California residents may request information regarding whether we have disclosed certain categories of personal information to third parties for their direct marketing purposes during the preceding year. Companies subject to this law may either provide this information upon request or offer a way for consumers to opt out of such disclosures.

Affirm provides a mechanism to opt out of such disclosures. As explained above, we disclose certain personal information to our merchant partners about customers that have created an Affirm account so that our merchant partners can provide more relevant advertising to such individuals. To opt-out of this sharing, log into your Affirm account at www.affirm.com/u/ and update your "Allow Affirm to share your data" toggle in the "Security and privacy" tab under "Settings."

If you opt out, we will continue to disclose your personal information as necessary to complete transactions you initiate, but will not disclose personal information for the merchants' own direct marketing purposes.

Qualifications & exceptions

• The opt-out covers disclosures to merchant partners for the merchants' direct marketing.
• Transaction-related disclosures continue after opting out.

Sharing & Disclosure · User right or choice

Advertising data may count as a CCPA sale or sharing, with a cookie-based opt-out

Affirm says it does not disclose personal information to third parties in exchange for monetary compensation, but that working with advertising partners to collect browsing information and provide more relevant ads may be considered the "sale" or "sharing" of personal information for cross-context behavioral advertising under the CCPA. Readers may opt out of that activity through their cookie/pixel preferences, following the instructions in Section 8.2.1 under Right to opt out of Sale and Sharing, and Affirm says it honors legally required browser opt-out signals such as the Global Privacy Control.

Supporting quotations

Your choices regarding "sharing" and "selling." Affirm does not disclose Personal Information to third parties in exchange for monetary compensation. However, as discussed in this Privacy Notice, Affirm does work with advertising partners to collect information about user internet browsing activities to provide those users with more relevant advertising as they browse. This may be considered the "sale" or "sharing" of Personal Information for cross-context behavioral advertising under the CCPA.

You may opt out of this activity based on our use of cookies/pixels. To opt out of these activities, follow the instructions in 8.2.1 under Right to opt out of Sale and Sharing. We also honor any legally-required browser opt out signals (e.g., Global Privacy Control).

Qualifications & exceptions

• No monetary exchange is stated.
• The sale or sharing characterization concerns advertising-related browsing data.
• Opt-out is through cookie/pixel preferences.
• Legally required browser signals such as GPC are honored.

Sharing & Disclosure · User right or choice

Advertising-related sharing can be opted out through the footer privacy choices link

Residents of the five listed states have a right to opt out of the sale and sharing of their personal information. Affirm says it does not disclose personal information to third parties in exchange for monetary compensation, but that working with advertising partners to collect browsing information and serve relevant ads may be considered the "sale" or "sharing" of personal information, or processing for online targeted advertising, under applicable U.S. state laws. Affirm says the right is exercised by managing cookie/pixel preferences through the "Your Privacy Choices" link in the footer of its website.

Supporting quotations

Right to opt out of Sale and Sharing: Affirm does not disclose Personal Information to third parties in exchange for monetary compensation. However, as discussed in this Privacy Notice, Affirm does work with advertising partners to collect information about user internet browsing activities to provide those users with more relevant advertising. This may be considered the "sale" or "sharing" of Personal Information or processing of Personal Information for online targeted advertising under applicable U.S. state laws. You have the right to opt out of this activity based on our use of cookies/pixels by managing your preferences through the "Your Privacy Choices" link located in the footer of our website.

Your choices regarding "sharing" and "selling." Affirm does not disclose Personal Information to third parties in exchange for monetary compensation. However, as discussed in this Privacy Notice, Affirm does work with advertising partners to collect information about user internet browsing activities to provide those users with more relevant advertising as they browse. This may be considered the "sale" or "sharing" of Personal Information for cross-context behavioral advertising under the CCPA.

Qualifications & exceptions

• No disclosure in exchange for monetary compensation is stated.
• The opt-out covers cookie/pixel-based advertising activity.
• The opt-out link is in the website footer.

Sharing & Disclosure · User right or choice

Minnesota, Oregon and Connecticut residents may request a list of third-party recipients

Residents of Minnesota, Oregon and Connecticut may request a list of the "third parties" (as defined under applicable law) with whom Affirm has disclosed their personal information, by emailing privacy@affirm.com with the subject line "third parties."

Supporting quotations

Residents of Minnesota, Oregon, and Connecticut may request a list of the "third parties" (as defined under applicable law) with whom we have disclosed their personal information. To request this list, please email us at privacy@affirm.com with the subject line "third parties."

Qualifications & exceptions

• Applies to Minnesota, Oregon and Connecticut residents.
• Request is by email with the stated subject line.

Sharing & Disclosure · Context

14 Oct 2026 update concerns opting out of data sharing with merchants for marketing

The Notice is dated "Last Updated 14 Oct 2026" and says this version updates how a customer may opt out of data sharing with merchants for marketing purposes, with a 07/29/2026 date beside that statement. The update note states the subject of the change and its date; it does not state the opt-out steps or the earlier wording.

Supporting quotations

Last Updated 14 Oct 2026

This Notice updates how customer may opt-out of data sharing with merchants for marketing purpose. (07/29/2026)

Qualifications & exceptions

• The note identifies the changed opt-out subject and dates the change 07/29/2026.
• The note does not reproduce the opt-out steps.

Not stated here

• The Notice does not show the prior version's wording or which customers the change affects.

Sharing & Disclosure · Company practice

GLBA notice shares for everyday business, marketing and joint marketing without a limit option

In the reasons-for-sharing table, Affirm says it shares personal information for its everyday business purposes (such as processing transactions, maintaining accounts, offering or servicing loans and lines of credit, offering other financial services, responding to court orders and legal investigations, or reporting to credit bureaus), for its marketing purposes to offer its products and services, and for joint marketing with other financial companies. For each of those rows the table answers "Yes" to sharing and "No" to whether the customer can limit it.

Supporting quotations

How? All financial companies need to share customers' personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers' personal information; the reasons Affirm, Inc. chooses to share; and whether you can limit this sharing.

Reasons Affirm, Inc. can share your personal information

Reasons we can share your personal information Does Affirm, Inc. share? Can you limit this sharing?

For our everyday business purposes-- such as to process your transactions, maintain your account(s), offer or service loans or lines of credit, offer other financial services, respond to court orders and legal investigations, or report to credit bureaus Yes No

For our marketing purposes-- to offer our products and services to you Yes No

For joint marketing with other financial companies Yes No

Qualifications & exceptions

• The table answers that customers cannot limit these three sharing rows.
• Everyday-business examples include court orders, legal investigations and credit-bureau reporting.

Sharing & Disclosure · Company practice

GLBA table: affiliates' credit and marketing data is not shared; nonaffiliate marketing can be limited

The GLBA sharing table states that Affirm shares information about your transactions and experiences for its affiliates' everyday business purposes, with no customer limit. It answers that it does not share information about your creditworthiness for affiliates' everyday business purposes, and does not share for affiliates to market to you. For nonaffiliates to market to you, the table answers that Affirm shares and that the customer can limit that sharing.

Supporting quotations

For our affiliates' everyday business purposes-- information about your transactions and experiences Yes No

For our affiliates' everyday business purposes-- information about your creditworthiness No We don't share

For our affiliates to market to you No We don't share

For nonaffiliates to market to you Yes Yes

Qualifications & exceptions

• Affiliate transaction and experience sharing cannot be limited.
• Affiliate creditworthiness sharing and affiliate marketing are marked as not shared.
• Nonaffiliate marketing sharing can be limited.

Sharing & Disclosure · User right or choice

The GLBA notice lets customers limit sharing through the account toggle at any time

The GLBA notice explains the rights to limit sharing and says a customer may limit sharing by logging into the Affirm account and updating the "Allow Affirm to share your data" toggle in the "Security and privacy" tab under "Settings." For a new customer, Affirm can begin sharing 30 days from the date it sent the notice, or earlier if the customer consents or as permitted by law, and sharing continues after the customer relationship ends; the customer can still contact Affirm at any time to limit sharing. Questions go to (855) 423-3729 or customercare@affirm.com.

Supporting quotations

Explanation of your rights to limit the sharing of your personal information

To Limit Our Sharing You may limit our sharing by logging into your Affirm account at www.affirm.com/u/ and update your "Allow Affirm to share your data" toggle in the "Security and privacy" tab under "Settings."

Please note: If you are a new customer, we can begin sharing your information 30 days from the date we sent this notice, or earlier if you consent or as permitted by law. When you are no longer our customer, we continue to share your information as described in this notice.

However, you can contact us at any time to limit our sharing.

Questions? Call (855) 423-3729

Qualifications & exceptions

• Sharing may begin 30 days after the notice is sent, earlier with consent or as permitted by law.
• Sharing continues after the customer relationship ends.
• Limiting is available at any time through the account toggle or by contacting Affirm.