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Legal Rights & Agreement Rules · Context
This page identifies the Affirm Terms of Service as last updated on July 28, 2026. The date marks the version analyzed here; the block does not state an effective time or whether any later version exists.
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Last Updated Jul 28, 2026
Legal Rights & Agreement Rules · Restriction or exception
Accessing the Affirm website or using the Affirm Service is conditioned on agreeing to be bound by the Affirm Terms of Service, the Affirm E-Sign Consent Agreement, the Affirm Privacy Policy and Privacy Notice, and five bank privacy notices (Cross River, Celtic, Evolve, Lead and Stride). A user who does not agree is told not to access the site or use the service. The page states that headings are for reference only and recommends printing a copy of the Agreement.
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BY ACCESSING THE AFFIRM WEBSITE OR USING THE AFFIRM SERVICE, YOU AGREE TO BE BOUND BY THE
Legal Rights & Agreement Rules · Context
The Agreement is between you (including a business or non-natural person entity) and Affirm, Inc., including its subsidiaries, affiliates such as Affirm Loan Services, LLC and Affirm Payments, LLC, agents and assigns. It covers the website, Affirm apps, third-party sites used with an Affirm product, Additional Tools, other services including loans and savings accounts, and access to account information. If a product is offered through a Bank Partner, you enter an agreement with that Bank Partner, and that agreement — not this Agreement — controls for the associated Bank Partner product.
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These Terms of Service describe a contractual relationship
any agreement you enter into with a Bank Partner (and not this Agreement) will control with respect to the associated Bank Partner product
Legal Rights & Agreement Rules · Company practice
Affirm may unilaterally change the Agreement from time to time, but changes do not impose additional obligations on you for actions you took before the change became effective unless you specifically agree, for example by confirming a loan. You accept any changes by using the Affirm Services after they are posted. For changes Affirm deems material, it will make a reasonable effort to inform you, but you are responsible for reviewing the posted Agreement.
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Affirm may unilaterally decide to change this Agreement from time to time
YOU AGREE TO ACCEPT ANY CHANGES TO THIS AGREEMENT BY USING THE AFFIRM SERVICES AFTER CHANGES HAVE BEEN POSTED
Account & Service Control · Restriction or exception
To use the Services you must be at least 18 years old (19 if you are a ward of the state in Nebraska) and a resident of the United States or its territories, or an eligible business or non-natural person entity. Loans originated by a Bank Partner or directly by Affirm may not be available everywhere. You represent and warrant that you are eligible.
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you must be at least 18 years old (19 years old if you are a ward of the state in Nebraska)
Loans originated by a Bank Partner or directly by Affirm may not be available everywhere.
Charges & Financial Obligations · Context
When you buy with Affirm you may be offered a closed-end installment loan with terms in your Loan Agreement. Loans may be offered by a Bank Partner through Affirm's platform or by Affirm directly, including through a third-party website. Term options vary by purchase price and merchant and may not be available in all states. For personal or limited business purposes, Affirm or the Bank Partner (the Lender) pays the Merchant — or funds your transaction account at Evolve Bank and Trust or Stride Bank, N.A. if you pay with your Affirm Card — in exchange for your promise to repay that amount plus any finance charge.
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When you buy with Affirm you may be offered a closed-end installment loan product with terms as expressed in your Loan Agreement.
Loan term options may vary based on purchase price and merchant and may not be available in all states.
Charges & Financial Obligations · Company commitment
Before completing any transaction through the Affirm Services, Affirm will disclose the terms and conditions applicable to that transaction and secure your affirmative consent to them, including your promise to pay the Total Payments amount to the Lender or its assigns.
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Affirm will secure your promise to pay by disclosing the terms and conditions applicable to that transaction and securing your affirmative consent to those terms for that transaction
Charges & Financial Obligations · Company practice
Rates range from 0% to 36% fixed APR depending on creditworthiness and the product offered; 0% APR may be available only at select merchants. Loans are simple-interest loans, meaning interest, if any, accrues daily on the unpaid principal balance, up to the amount of the finance charge, until the loan is paid in full.
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Rates range from 0% to 36% fixed Annual Percentage Rate
interest, if any, accrues daily on the unpaid principal balance, up to the amount of the finance charge, until you pay the loan in full.
Charges & Financial Obligations · Company commitment
Loans may be subject to a finance charge based on the applicable interest rate. The Lender will always disclose the specific finance charge before your loan is originated.
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Loans may be subject to a finance charge based on the applicable interest rate.
The Lender will always disclose the specific finance charge before your loan is originated.
Charges & Financial Obligations · Company commitment
Affirm states that you will never be charged late fees when you buy with Affirm. The commitment is unqualified in this block and does not address other fee types or other Affirm products.
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You will never be charged any late fees when you buy with Affirm.
Charges & Financial Obligations · Company practice
When you buy with Affirm, the transaction may be held as pending or otherwise delayed for processing and confirmation by Affirm or the merchant, and it can be cancelled at any time until Affirm confirms it.
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the transaction may be held as pending or be otherwise delayed for processing and confirmation by either Affirm or the merchant and can be cancelled at any time until it is confirmed by Affirm
Charges & Financial Obligations · Restriction or exception
If one or more items in an order have an extended ship date, your loan payments, including interest, may be due before the merchant ships the items. Interest that accrued on an amount later refunded may not be rebated.
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your loan payment(s), including interest, may be due before the merchant ships the item(s)
you may not receive a rebate of any interest that may have already accrued on an amount that later gets refunded.
Charges & Financial Obligations · Company practice
On eligible transactions, Affirm may but is not required to adjust your Plan Total when the merchant finalizes the order total after Affirm checkout. Your purchase price will not increase by more than 15%, and the plan total and any interest adjust accordingly. If the plan is adjusted, you receive an updated Truth in Lending Disclosure with the updated amounts. Eligibility is noted in checkout before you agree to the loan, and you can opt out in Account Settings.
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On eligible transactions, Affirm may (but is not required to) adjust your Plan Total based on the merchant finalizing the total cost of your order after the Affirm checkout is complete.
Your purchase price will not increase by more than 15%
To opt-out of this functionality, please visit your Account Settings.
Charges & Financial Obligations · Context
The Terms point to separate documents for four products: Cross River Bank provides savings accounts (the Cross River Bank Savings Deposit Account Agreement); the Affirm Card is issued by Evolve Bank & Trust, Member FDIC or Stride Bank, N.A., Member FDIC (separate cardholder agreements); Pay Now is governed by the Affirm Pay Now Authorization and Agreement; and loans offered directly by Affirm refer to your payment agreement.
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Savings account service is provided by Cross River Bank, Member FDIC.
The Affirm Card is issued by Evolve Bank & Trust, Member FDIC or Stride Bank, N.A., Member FDIC.
Affirm Pay Now Authorization and Agreement
Loans may be offered directly by Affirm. Refer to your payment agreement for details.
Account & Service Control · Company practice
Affirm may from time to time offer financial management tools such as financial calculators, customized financial analyses, bill payment reminders, and dashboards with information about your debts or assets. Unless Affirm indicates otherwise, these tools are provided free of charge and are exclusively for your use.
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We may from time to time offer you the ability to access certain financial management tools.
Unless we indicate otherwise, these tools will be provided free of charge and are provided exclusively for your use.
Data Access & Collection · Company practice
Affirm stores information you provide, authorize a third party to provide, or that a third party provides about you, and uses it to autofill forms during shopping. Examples include name, shipping address, telephone number, email, virtual card details, debit or credit card details excluding CVV, and billing address; financial-account, transaction and credit-history details may come from service providers. When you shop from an Affirm App, autofill works on the merchant site after you log in. You can disable payment autofill by removing your payment instrument under Payment Methods in the Profiles tab.
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we will store some of the information that you provide to us, or that you authorize a third party to provide to us, or that a third party provides to us about you, and use that information to autofill different forms for you during your shopping journey.
If you no longer want to use the autofill feature for payments, you can go to the Profiles Tab in the Affirm mobile app and remove your payment instrument under Payment Methods.
Data Access & Collection · Permission or license
You expressly authorize Affirm and each Bank Partner to obtain consumer reports from consumer reporting agencies about you (1) when you request offers or apply for a loan or Savings Account, (2) periodically throughout the loan term, including the month after you pay off or otherwise satisfy the loan, or during the Savings Account relationship, (3) to determine eligibility and establish a prequalification amount while you are logged into your Affirm account or app, and (4) from time to time for marketing or other services such as financial-management and credit-profile tools and the marketplace.
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You expressly authorize Affirm and each of Affirm's Bank Partners to obtain (for itself or on behalf of Affirm or a Bank Partner) consumer reports from consumer reporting agencies about you
Use & Processing · Permission or license
You authorize Affirm and each Bank Partner to use the consumer report and information derived from it for five purposes: the loan or Savings Account, including eligibility, servicing, identity verification, verification of information and collection; determining prequalification eligibility and amount; marketing loans and other services such as financial-management tools and the marketplace; internal use including statistical analysis and product development; and providing information or services, including credit-profile information and requested tools.
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In each case you expressly authorize us and each Bank Partner to use such consumer report about you, and information derived therefrom, in connection with:
(i) your loan or Savings Account, including determining your eligibility, servicing or maintaining your loan or account, verifying your identity, verifying information you provide to Affirm or a Bank Partner, and for collecting any amount you owe us or a Bank Partner or any of our respective successors or assigns;
(ii) determining your eligibility for prequalification and establishing a prequalification amount, if applicable;
(iii) marketing for loans that may be provided by us or a Bank Partner and any other service we offer or you obtain from us or any Bank Partner through the Affirm Services, such as financial management tools or the marketplace;
(iv) our internal use, including statistical analyses and to develop, improve, analyze, study, and maintain products and services we or any Bank Partner offers or may offer through the Affirm Services; and
(v) providing you with information or Affirm Services, including information about your credit profile and to deliver services upon your request (such as financial management tools and credit profile tools).
Sharing & Disclosure · Permission or license
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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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.
Sharing & Disclosure · Permission or license
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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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.
Sharing & Disclosure · Company practice
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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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.
Data Access & Collection · Company practice
You agree Affirm may send payment reminders from time to time, and — whether or not you have consented to or withdrawn consent to the Affirm E-Sign Consent — that reminders may take any available communication form, subject to applicable law. If you fail to pay an amount owed under this Agreement or another agreement with Affirm or a Bank Partner, Affirm may engage in collection efforts, including contacting you directly, submitting your information to a collections agency, or taking legal action. The source warns that failure to pay may affect your credit score.
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You agree to allow Affirm to send you payment reminders from time-to-time.
Notwithstanding whether you have consented or withdrawn your consent to the Affirm E-Sign Consent, you agree that payment reminders may take the form of any available communication, subject to applicable law.
Affirm may engage in collection efforts to recover such amounts from you.
FAILURE TO PAY MAY AFFECT YOUR CREDIT SCORE.
Security & Safeguards · Procedure
You must maintain the secrecy of your Affirm account login credentials and any other access credentials, such as the password to your mobile device, and notify Affirm immediately if you believe your credentials or account security have been compromised or stolen. You are responsible for any activity taken on your Affirm account using your login credentials, except as expressly provided by law, and agree to establish reasonable security procedures and controls, including choosing passwords and credentials that protect your information. You also remain responsible for maintaining the accuracy of your account information.
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You are responsible for maintaining the secrecy of the login credentials to your Affirm account
You are responsible for any activity taken on your Affirm account using your login credentials, except as expressly provided by applicable law.
Legal Rights & Agreement Rules · Context
Information on the Affirm website and in Affirm Apps is for information purposes only. Affirm believes it reliable but makes no promise about its completeness, timeliness or accuracy, and the information and materials in the Website and this Agreement are subject to change without notice.
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Information on the Affirm website and in Affirm Apps is for information purposes only.
Affirm does not make any promises as to its completeness, timeliness or accuracy.
Legal Rights & Agreement Rules · Context
Access to the Services may be unavailable, delayed, limited or slowed due to: servers, networks, hardware or equipment failure (including your own computer); software failure including bugs, errors, viruses, configuration or compatibility problems, firewalls or unreadable code; system overload; severe weather, earthquakes, war, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disaster; power or utility interruption, strikes or labor stoppage; governmental or regulatory restrictions, exchange rulings, court orders or other human intervention; or any other cause beyond Affirm's control.
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Access to the Services may from time to time be unavailable, delayed, limited or slowed due to, among other things:
servers, networks, hardware failure (including your own computer)
software failure, including among other things, bugs, errors, viruses, configuration problems, incompatibility of systems, utilities or applications, the operation of firewalls or screening programs, unreadable codes, or irregularities within particular documents or other content;
overload of system capacities;
damage caused by severe weather, earthquakes, wars, insurrection, riots, civil commotion, act of God, accident, fire, water damage, explosion, mechanical breakdown or natural disasters;
interruption (whether partial or total) of power supplies or other utility of service; strike or other stoppage (whether partial or total) of labor;
governmental or regulatory restrictions, exchange rulings, court or tribunal orders or other human intervention; or
any other cause (whether similar or dissimilar to any of the foregoing) whatsoever beyond the control of Affirm.
Legal Rights & Agreement Rules · Context
Links to non-Affirm websites are provided solely as pointers to information that may be useful. Affirm has no control over their content, makes no warranties about their accuracy, completeness, reliability, freedom from infringement claims or viruses, and does not guarantee the authenticity of internet documents. Following a link to a site not controlled by Affirm is at your own risk, and a link does not imply endorsement of or responsibility for what is offered there.
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Affirm has no control over the content on such non-Affirm websites.
If you choose to follow a link to a website not controlled by Affirm, you must do so at your own risk.
Account & Service Control · Procedure
You may request account closure through the Affirm Help Center. To be eligible, your loans must be paid off and you must not have an active Savings account or Card account; the account cannot close until at least 30 days after your final loan payment, and the request may take up to 30 business days. Affirm may cancel pending transactions on closure unless legally prohibited, will not close the account while you owe a payment but may limit additional transactions, and you may not close to evade an investigation. You remain liable for account obligations after closure, and Affirm retains information under its Privacy Policy and applicable law.
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You may request to close your account by contacting us through the Affirm Help Center
In order to be eligible to close your Affirm account, your loans must be paid off and you must not have an active Savings account or Card account.
Your Affirm account cannot be closed until at least 30 days after your final loan payment.
Account & Service Control · Company practice
Affirm may close your account if you do not log in or use the Affirm Services for two or more years. If you have never applied for a loan or otherwise used the Affirm Services, Affirm may close the account if you do not log in for 90 or more days. Information retention follows the closure section.
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Affirm may close your account if you do not log in to your account or use the Affirm Services for two or more years.
Affirm may close your account if you do not log in to your account for 90 or more days.
Content & IP Rights · Permission or license
If you submit comments, ideas or feedback, you agree Affirm can use them without restriction or compensation. Accepting a submission does not waive Affirm's rights to use similar or related ideas previously known to it, developed by its employees, or obtained from other sources.
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If you submit comments, ideas, or feedback to us, you agree that we can use them without any restriction or compensation to you.
Account & Service Control · Context
You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions. This block establishes the access route; later blocks in this section address estimates, authorization and responsibility.
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You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions.
Charges & Financial Obligations · Company commitment
Financing terms, payment amounts or other Affirm product information displayed on a third-party platform, including through AI Tools, before you reach Affirm checkout are estimates only. They may be incomplete or inaccurate and are not binding. Actual financing terms, including rates, payment amounts and fees, are presented at Affirm checkout and should be reviewed before completing the transaction. Approval is not guaranteed, and each transaction is subject to Affirm's independent review at checkout.
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Any financing terms, payment amounts, or other information about Affirm products that are displayed on a third-party platform (including through AI Tools) before you reach Affirm checkout are estimates only.
These estimates may be incomplete or inaccurate and are not binding.
Your actual financing terms, including any applicable interest rates, payment amounts, and fees, will be presented to you at Affirm checkout.
Legal Rights & Agreement Rules · Company commitment
Affirm does not create, control or endorse any statements made by third-party platforms or AI Tools about Affirm products.
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Affirm does not create, control, or endorse any statements made by third-party platforms or AI Tools about Affirm products.
Account & Service Control · Permission or license
Affirm permits access or use through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools"). Completing a transaction through Affirm confirms you reviewed and agreed to the financing terms at checkout. If you use an AI Tool or other automated means to interact with Affirm or complete a transaction on your behalf, you agree you are responsible for actions taken using your account or credentials, and any transaction completed through such means is treated as authorized by you, including acceptance of the applicable financing terms. You are responsible for ensuring the platform or AI Tool follows your instructions; Affirm is not responsible for their content, recommendations or actions, and you must maintain the security of your account credentials and any devices or services that can access your account.
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You may access or use Affirm through third-party platforms, including platforms that use automated tools or artificial intelligence ("AI Tools") to help you shop or make decisions.
By completing a transaction through Affirm, you confirm that you have reviewed and agreed to the financing terms presented at checkout.
you are responsible for any actions taken using your account or credentials; and
any transaction completed through such means will be treated as authorized by you, including your acceptance of the applicable financing terms.
You are responsible for ensuring that any third-party platform or AI Tool you use acts in accordance with your instructions.
Affirm is not responsible for the content, recommendations, or actions of any third-party platform or AI Tool.
Legal Rights & Agreement Rules · Restriction or exception
By using the Affirm Services, you agree not to engage in activities that violate law, statute, regulation or ordinance or breach this Agreement or another Affirm agreement or policy; not to provide false, inaccurate or misleading information; and not to provide information belonging to anyone other than yourself or use another person's account for yourself or on their behalf, unless you are applying for an authorized business-purpose loan.
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By using the Affirm Services, you agree that:
You will not engage in any activities related to the Services that violate any applicable law, statute, regulation, or ordinance or breach this Agreement or any other agreement or policy you have with Affirm;
You will not provide false, inaccurate or misleading information;
You will not provide information belonging to any person other than yourself or use an account that belongs to another person for yourself or on behalf of another person, unless you are applying for a business purpose loan and authorized;
Legal Rights & Agreement Rules · Restriction or exception
You agree not to use the Services to purchase ammunition, firearms, certain firearm parts or accessories, and certain regulated weapons or knives; narcotics, steroids, controlled substances, quasi-pharmaceuticals or drug paraphernalia; currency in any form, including virtual and digital currency; or any goods or services Affirm or its Bank Partners deem unacceptable in their sole discretion.
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You will not use the Services to purchase:
Ammunition, firearms, certain firearm parts or accessories, and certain weapons or knives regulated under applicable law;
Narcotics, steroids, controlled substances, quasi-pharmaceuticals, or drug paraphernalia;
Currency in any form, including virtual and digital currency;
Any goods or services deemed unacceptable by Affirm or its Bank Partner(s), in their sole discretion;
Security & Safeguards · Restriction or exception
You agree not to use any device, software, routine, file, tool or technology — including viruses, trojan horses, worms, time bombs or cancelbots — intended to damage or interfere with the Services or surreptitiously intercept or expropriate system, data or personal information; not to make payments on an existing Affirm loan or, unless expressly permitted, pay an existing loan or line of credit from another institution; not to accomplish a cash advance, wire or money transfer; not to commit unauthorized use of Affirm's website and systems, including unauthorized entry, password misuse or misuse of posted information; and not to impose an unreasonable or disproportionately large load on Affirm's infrastructure, including denial-of-service attacks or spam.
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You will not use any device, software, routine, file or other tool or technology, including but not limited to any viruses, trojan horses, worms, time bombs or cancelbots, intended to damage or interfere with the Services or to surreptitiously intercept or expropriate any system, data or personal information from the Services;
You will not use the Services to make payment(s) on an existing Affirm loan(s).
You will not use the Services to accomplish a cash advance, wire or money transfer;
You will not commit unauthorized use of Affirm's Website and systems including but not limited to unauthorized entry into Affirm's systems, misuse of passwords, or misuse of any information posted to a site; and
You will not take any action that imposes an unreasonable or disproportionately large load on our infrastructure, including but not limited to denial of service attacks, "spam" or any other such unsolicited overload technique.
Legal Rights & Agreement Rules · Restriction or exception
The dispute-resolution section does not apply to business-purpose loans. How Affirm resolves disputes for a business-purpose loan is set out in the Business Loan Agreement.
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This section of the Agreement does not apply to business purpose loans.
Legal Rights & Agreement Rules · Procedure
If a dispute arises between you and Affirm, Affirm's stated goal is a neutral and cost-effective resolution and it encourages you first to contact it through the Affirm Help Center to try resolving the problem directly. The Agreement then warns that the mandatory arbitration section affects your rights and should be read carefully before agreeing to the Terms by using the Affirm Service or website.
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we encourage you first to contact Affirm through the Affirm Help Center
THIS SECTION AFFECTS YOUR RIGHTS, PLEASE READ CAREFULLY BEFORE AGREEING TO THESE TERMS OF SERVICE BY USING THE AFFIRM SERVICE OR THE WEBSITE.
Legal Rights & Agreement Rules · Restriction or exception
Unless you are a covered borrower under the Military Lending Act and to the extent permitted by law, disputes or claims relating to your visit to the Website, use of the Affirm Services, an Affirm product, or the Agreement that cannot be resolved directly must be resolved by binding arbitration under the AAA Consumer Arbitration Rules rather than in court. The clause broadly covers contract, statute, tort, fraud, consumer-rights, misrepresentation and equity claims; initial, counter, cross and third-party claims; federal, state and local claims; and claims arising before the Agreement. The Federal Arbitration Act and federal arbitration law apply. There is no judge or jury, court review is limited, but the arbitrator can award the same individual damages and relief as a court and must follow the Agreement, limitations and privileges; the award is final and may be entered in a court. You understand that without consent to arbitration you would have the right to sue in court and have a jury trial. For a Bank Partner product, any agreement you enter into with that Bank Partner, not this Agreement, controls for that product.
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Unless you are a covered borrower as defined by the Military Lending Act, 10 U.S.C. § 987, and to the extent permitted by applicable law, except as explicitly provided in this Agreement, any dispute or claim relating in any way to your visit to the Website, your use of the Affirm Services, a product offered or provided by or through the Website or Service, or otherwise arising out of or relating to this Agreement or the Services that cannot be resolved directly between you and Affirm shall be resolved by binding arbitration under the Consumer Arbitration Rules ("the Consumer Rules") of the American Arbitration Association ("AAA"), rather than in court.
The Federal Arbitration Act ("FAA") and federal arbitration law apply to this Agreement.
There is no judge or jury in arbitration and court review of an arbitration award is limited, but an arbitrator can award an individual the same damages and relief as a court and must apply and follow the terms of this Agreement as a court would.
YOU UNDERSTAND THAT ABSENT YOUR CONSENT TO ARBITRATION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A TRIAL BY JURY.
any agreement you enter into with a Bank Partner (and not this Agreement) will control with respect to the associated Bank Partner product
Legal Rights & Agreement Rules · Procedure
Either you or Affirm can initiate arbitration through AAA or by filing a motion to compel arbitration of claims filed in court. The party asserting the claim starts the proceeding. If AAA cannot serve, a court with jurisdiction selects an arbitrator who applies the specified AAA rules and Document Submission Procedures; arbitration is based solely on written submissions unless the arbitrator decides a telephonic or in-person conference or hearing is necessary. Filing fees are governed by the Consumer Rules, and Affirm pays all arbitration fees and expenses if the arbitrator determines you cannot afford them. Disputes about the validity, enforceability, coverage or scope of the arbitration section are for a court, while disputes about the Agreement as a whole are for the arbitrator.
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Either you or we can initiate arbitration through AAA, an alternative dispute resolution provider, or by filing a motion to compel arbitration of claims filed in court.
If it is determined by the arbitrator that you cannot afford such fees, Affirm will pay all arbitration fees and expenses.
Disputes or controversies about the validity, enforceability, coverage or scope of this Section or any part thereof are for a court and not an arbitrator to decide; however, disputes or controversies about the Agreement as a whole are for an arbitrator and not a court to decide.
Legal Rights & Agreement Rules · Restriction or exception
You and Affirm agree arbitration will be conducted only individually, not as a class, consolidated or representative action. No arbitration will be joined or consolidated with another; there is no right to arbitrate on a class-action or private-attorney-general basis or to use class procedures; and there is no representative action on behalf of the public or others. No arbitrator may award relief applying to anyone other than Affirm and you individually.
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You and Affirm each agree that any arbitration will be conducted only on an individual basis and not as a class, consolidated or representative action.
No arbitrator shall have the authority to issue any relief that applies to any person or entity other than Affirm and/or you individually.
Legal Rights & Agreement Rules · Restriction or exception
If a claim proceeds in court rather than arbitration, both sides waive a jury trial. A party may still elect arbitration for a new party's claim or a later-asserted claim, even in litigation, and litigation does not waive arbitration rights. Disputes to enforce or protect intellectual-property rights, or concerning their validity, are not subject to binding arbitration. Individual claims may proceed in small claims court where available and within its jurisdictional limits; if the action is transferred, removed or appealed, arbitration can be elected. The section governs over inconsistent Consumer Rules or Agreement provisions, survives termination and bankruptcy to the extent consistent with bankruptcy law, and cannot be amended absent a signed writing. If any portion is invalid, the rest remains, except that a limited or void Class Action Waiver voids the section for that proceeding, subject to appeal, and no class action will be arbitrated.
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If for any reason a claim proceeds in court rather than in arbitration, we each waive any right to a jury trial.
You and Affirm each agree that any disputes seeking to enforce or protect, or concerning the validity of intellectual property rights will not be subject to binding arbitration under this Section.
This Section shall survive termination of this Agreement and any bankruptcy by you, to the extent consistent with applicable bankruptcy law.
any party may proceed with their individual claims in small claims court if that option is available in the applicable jurisdiction and the amount in controversy falls within the small claims court's jurisdictional limits
Legal Rights & Agreement Rules · User right or choice
To avoid the arbitration section, you must send Affirm a signed notice within 30 calendar days after you agree to be bound by the Agreement. The notice must be in writing and not electronically to Affirm, Inc., Attn. "Terms of Service Section 5 Opt Out", 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135, and must give your name, address and phone number and state that you opt out of Section 5 within the Affirm Terms of Service. Opting out does not affect other provisions and applies only to this Agreement, not other agreements with Affirm.
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RIGHT TO OPT OUT: If you do not want this Section to apply, you must send Affirm a signed notice within 30 calendar days after you agree to be bound by the Agreement as described above.
You must send the notice in writing (and not electronically) to Affirm, Inc. Attn. "Terms of Service Section 5 Opt Out", 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
Opting out of this Mandatory Arbitration provision will not affect the other provisions of this Agreement.
Charges & Financial Obligations · Context
The Terms direct savings-account disputes to the linked deposit agreement rather than to the arbitration section printed here.
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Savings account disputes.
Legal Rights & Agreement Rules · Context
Affirm operates and controls the Services from its U.S. offices and makes no representation that they are appropriate or available elsewhere. Information is not intended for distribution or use where doing so would be contrary to law or subject Affirm to a registration requirement. Users who access the Services from other locations do so on their own initiative and are solely responsible for local-law compliance to the extent it applies.
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Affirm operates and controls the Services from its offices in the United States.
those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws
Legal Rights & Agreement Rules · Restriction or exception
Software from the Services may be subject to U.S. export controls. It may not be downloaded, exported or re-exported into, or to a national or resident of, Cuba, Iraq, North Korea, Iran, Syria or another country to which the United States has embargoed goods, or to anyone on the Treasury Department's Specially Designated Nationals list or the Commerce Department's Table of Deny Orders. By downloading software, you represent and warrant that you are not located in, under the control of, or a national or resident of such a country or on such a list. The parties disclaim the Convention on Contracts for the International Sale of Goods.
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Software from the Services may be subject to United States export controls.
no software from the Services may be downloaded, exported or re-exported
Legal Rights & Agreement Rules · Procedure
The Agreement is effective until either party terminates it. You may terminate by destroying all Service-related materials obtained from the Service, Affirm or another source and paying all amounts you owe, including fees or expenses incurred or imposed by Affirm, in full. The privileges granted terminate immediately and automatically without notice if Affirm, in its sole discretion, finds you failed to comply with any term. Course of conduct or trade practice does not modify the Agreement. You may not assign your obligations; Affirm may assign the Agreement and its rights and obligations to any party at any time without notice. No waiver of a breach is a waiver of a preceding or subsequent breach, headings have no legal import, and you must furnish documentation on request to verify compliance. The Agreement will not be construed against Affirm as drafter, and you waive defenses based on the electronic form of the Agreement and the lack of signing.
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This Agreement is effective until terminated by either party.
You may terminate this Agreement by destroying all Service-related materials obtained from the Service, Affirm or any other website or source and paying all amounts you owe (including any fees or expenses incurred or imposed by Affirm) in full.
You may not assign these obligations under the Agreement, but Affirm may assign this Agreement and its rights and obligations hereunder to any party at any time without any notice to you.
The section headings used herein are for convenience only and shall not be given any legal import.
Legal Rights & Agreement Rules · Restriction or exception
Affirm is not responsible for delay or failure in your receipt of a Disclosure, text message or email notice that it did not cause by failing to send the notice to the phone number or email address you provided. It does not assume liability for non-receipt when your contact information is invalid, your provider filters the notification as spam or junk, your device, browser, internet service, connectivity or software malfunctions, or for other reasons beyond its control.
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You agree that Affirm is not responsible for any delay or failure in your receipt of any Disclosure, text message, or email notice that is not caused by Affirm's failure to send such a Disclosure or notice to the phone number or email address you have provided to us.
Legal Rights & Agreement Rules · Context
Affirm's failure to exercise or enforce a right is not a waiver. The Terms are the entire agreement about your use of the Affirm Services and supersede previous Terms. You cannot change or modify the Agreement except as Affirm posts changes on the Services. Except as provided in the arbitration section, an unenforceable provision is replaced by the enforceable term closest to its intent and the remaining provisions stay enforceable, and Delaware law governs access to and use of the Services and the Agreement.
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The failure of Affirm to exercise or enforce any right or provision of the terms in this Agreement does not constitute a waiver of such right or provision.
These Terms of Service constitute the entire agreement between you and Affirm with regard to your use of the Affirm Services and any previous Terms of Service that may exist between you and Affirm is hereby superseded.
Except as provided in Section 5 (Mandatory Arbitration) the laws of the State of Delaware govern your access to, and use of, the Services and the terms of this Agreement.
Content & IP Rights · Restriction or exception
All content, design, graphics, compilation, magnetic translation, digital conversion and other matters of the Services are protected by copyrights, trademarks and other proprietary rights and owned by Affirm or an affiliate. Copying, redistributing, using or publishing any part of the Services without express permission is strictly prohibited. Using the Services gives you no ownership of intellectual-property rights in accessed content, documents or materials, and posting materials does not waive rights. "Affirm" is a trademark of Affirm, and other featured words or symbols may belong to their owners.
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All content, design, graphics, compilation, magnetic translation, digital conversion and other matters to the Services are protected under applicable copyrights, trademarks and other proprietary rights (including but not limited to intellectual property rights) and owned by Affirm or one of its affiliates.
The copying, redistribution, use or publication by you of any part of the Services, unless expressly permitted in this Agreement, is strictly prohibited.
"Affirm" is a trademark of Affirm.
Legal Rights & Agreement Rules · Restriction or exception
You agree to indemnify, defend and hold Affirm and its Affiliates harmless from any liability, including reasonable attorneys' fees, related to your use of the Services or any violation of these Terms of Service.
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You agree to indemnify, defend and hold Affirm and its Affiliates harmless from any liability, including reasonable attorneys' fees, related to your use of the Services or any violation of these Terms of Service.
Legal Rights & Agreement Rules · Restriction or exception
Affirm and its affiliates make no commitments or warranties about the content, reliability or availability of the Services, security of sensitive-information transmission, or the accuracy, reliability or completeness of website, app or service content. They disclaim all warranties, including non-infringement, merchantability and fitness for a particular purpose, and are not responsible for service interruptions, including system failures or other interruptions affecting the receipt, processing, acceptance, completion or settlement of payment transactions.
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AFFIRM AND ITS AFFILIATES MAKE NO COMMITMENTS OR WARRANTIES ABOUT (i) THE CONTENT, RELIABILITY, OR AVAILABILITY OF THE SERVICES OR FOR ANY BREACH OF SECURITY ASSOCIATED WITH THE TRANSMISSION OF SENSITIVE INFORMATION THROUGH THE SERVICES OR (ii) THE ACCURACY, RELIABILITY OR COMPLETENESS OF THE CONTENT ON THE WEBSITE, APP OR SERVICES.
AFFIRM AND ITS AFFILIATES DISCLAIM, WITHOUT LIMITATION, ANY WARRANTY OF ANY KIND WITH RESPECT TO THE SERVICES, INCLUDING ANY WARRANTY REGARDING NON- INFRINGEMENT, MERCHANTABILITY, OR FITNESS FOR A PARTICULAR PURPOSE.
Legal Rights & Agreement Rules · Restriction or exception
Affirm and its affiliates have no liability for your use of any product available from or through the Website or the Services. They are not liable for compensatory, direct, indirect, special, incidental or consequential damages, including lost business, lost profits or litigation, whether based on contract, warranty, tort, product liability or otherwise, nor for third-party claims, even if advised of the possibility. The source states the Services would not be provided without these limitations, that no oral or written advice creates a warranty or guarantee not stated in the Agreement, and that neither Affirm nor its affiliates is liable for failure or delay from conditions beyond its reasonable control.
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AFFIRM AND ITS AFFILIATES HAVE NO LIABILITY WHATSOEVER FOR YOUR USE OF ANY PRODUCT AVAILABLE FROM OR THOUGH THE WEBSITE OR THE USE OF THE SERVICES.
IN PARTICULAR, BUT NOT AS A LIMITATION THEREOF, AFFIRM AND ITS AFFILIATES ARE NOT LIABLE FOR ANY COMPENSATORY, DIRECT, INDIRECT, SPECIAL, INCIDENTAL OR CONSEQUENTIAL DAMAGES (INCLUDING DAMAGES FOR LOSS OF BUSINESS, LOSS OF PROFITS, LITIGATION, OR THE LIKE), WHETHER BASED ON BREACH OF CONTRACT, BREACH OF WARRANTY, TORT, PRODUCT LIABILITY OR OTHERWISE; NOR ARE AFFIRM AND ITS AFFILIATES LIABLE FOR ANY THIRD PARTY CLAIMS OF ANY NATURE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES OR CLAIMS.
NONE OF THE SERVICES WOULD BE PROVIDED WITHOUT SUCH LIMITATIONS.
Legal Rights & Agreement Rules · Restriction or exception
You and Affirm both agree that, regardless of any contrary statute or law, any claim or cause of action arising out of or related to use of the Services, Terms of Service or Privacy Policy must be filed within one year after it arose or is forever barred.
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You and Affirm both agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Services, Terms of Service or Privacy Policy must be filed within ONE (1) YEAR after such claim or cause of action arose or be forever barred.
Legal Rights & Agreement Rules · Context
The Agreement is between you and Affirm. No user has rights to force Affirm to enforce rights it may have against you or another user.
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This Agreement is between you and Affirm. No user has any rights to force Affirm to enforce any rights it may have against you or any other user.
Legal Rights & Agreement Rules · Restriction or exception
If you are part of a U.S. Government agency, department or entity, use, duplication, reproduction, release, modification, disclosure or transfer of Affirm's products or Services is restricted under the Federal Acquisition Regulations for civilian agencies and the Defense Federal Acquisition Regulation Supplement for military agencies. The Service and related software are a "commercial item," "commercial computer software" and "commercial computer software documentation," and Government use is governed solely by these Terms.
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If you are a part of an agency, department, or other entity of the United States Government ("Government"), the use, duplication, reproduction, release, modification, disclosure or transfer of any of our products or Services is restricted in accordance with the Federal Acquisition Regulations as applied to civilian agencies and the Defense Federal Acquisition Regulation Supplement as applied to military agencies.
Legal Rights & Agreement Rules · Restriction or exception
Notwithstanding other provisions, Sections 5 (Mandatory Arbitration), 6.7 (Limitations of Liability), 6.8 (Statute of Limitations), and the waiver-of-defenses provision of Section 6.1 do not apply to a "covered borrower" under the Military Lending Act as defined in 32 C.F.R. § 232.3(g). Nothing in the Agreement applies to a covered borrower to the extent inconsistent with the Military Lending Act. The source's parenthetical labels do not align with the printed subsection order: counting the Section 6 subsections, 6.7 is the warranty disclaimer and 6.8 is the limitation of liability; the named provisions, not the numbers, identify the carve-out.
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Notwithstanding any other provision of this Agreement, Sections 5 (Mandatory Arbitration), 6.7 (Limitations of Liability), and 6.8 (Statute of Limitations), and the waiver of defenses provision of Section 6.1 shall not apply to a "covered borrower" under the Military Lending Act, as defined in 32 C.F.R. § 232.3(g).
Furthermore, nothing in this Agreement shall be construed as applying to a covered borrower to the extent inconsistent with the Military Lending Act.
Legal Rights & Agreement Rules · Restriction or exception
In the event of a conflict between the Terms and the Business Loan Agreement, the Business Loan Agreement controls.
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In the event of a conflict between this Agreement and the Business Loan Agreement, the Business Loan Agreement will control.
Legal Rights & Agreement Rules · Procedure
Affirm provides a Heter Iska Agreement. If you are subject to the prohibition of Ribbis, you acknowledge that you have read, understand, accept and can comply with the Heter Iska Agreement, and you agree that any funding in conflict with the prohibition of Ribbis is deemed an Iska as defined by that agreement.
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If you are subject to the prohibition of Ribbis, you acknowledge that you have read, understand and accept and can comply with the Heter Iska Agreement.
Account & Service Control · Procedure
Affirm sends non-promotional messages about accounts, payments, purchases, applications and customer support, including purchase and payment confirmations, reminders, service and security alerts, one-time passcodes or PINs, and other service notifications. You can cancel SMS at any time by texting "STOP" to the short code; Affirm confirms the unsubscribe and stops messages, and you can rejoin by signing up as before. Message frequency varies and message and data rates may apply. For issues, reply "HELP" or contact customercare@affirm.com. Carriers are not liable for delayed or undelivered messages.
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Affirm sends non-promotional messages related to your account, payments, purchases, applications, and customer support.
You can cancel the SMS service at any time.
Message frequency Varies. Messages and Data rates may apply.
If you are experiencing issues with the messaging program you can reply with the keyword HELP for more assistance, or you can get help directly at
Carriers are not liable for delayed or undelivered messages.
Charges & Financial Obligations · Restriction or exception
By using your one-time-use virtual card ("Card") in a digital wallet, you accept and agree to be bound by these Terms. This opening statement introduces the digital-wallet section that follows.
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BY USING YOUR ONE TIME USE VIRTUAL CARD ("CARD") IN A DIGITAL WALLET, YOU ACCEPT AND AGREE TO BE BOUND AND ABIDE BY THESE TERMS.
Charges & Financial Obligations · Context
This section applies when your Card is added to a Digital Wallet. "You" means the cardholder or a person the cardholder authorizes to use the Card; "we," "us" and "our" mean Affirm and the Card issuer (Celtic Bank, Cross River Bank or Sutton Bank). The Digital Wallet lets you use the Card for transactions where the wallet is accepted.
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This section applies when your Card is added to a Digital Wallet ("Digital Wallet").
"We," "us," and "our," refer to Affirm and the Card issuer (Celtic Bank, Cross River Bank, or Sutton Bank).
When a Card is added to the Digital Wallet, the Digital Wallet allows you to use the Card to enter into transactions where the Digital Wallet is accepted.
Charges & Financial Obligations · Context
The card's terms of use do not change when the Card is added to a Digital Wallet, and these Terms do not amend or supersede the card agreements. The wallet is another way to make purchases with the Card, and existing card agreements or terms of service continue to apply to card transactions made through the wallet.
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The terms of use for the Card do not change when your Card is added to the Digital Wallet and these Terms do not amend or supersede such Card agreements.
your existing agreements or terms of service for the Card continue to apply to any Card transactions made through the Digital Wallet.
Charges & Financial Obligations · Company commitment
Affirm does not charge additional fees for adding the Card to the Digital Wallet or using the Card there. The Digital Wallet provider and other third parties, such as wireless companies or data service providers, may charge fees, for example data-usage or text-message charges.
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We do not charge you any additional fees for adding your Card to the Digital Wallet or using your Card in the Digital Wallet.
the Digital Wallet provider and other third parties, such as wireless companies or data service providers, may charge you fees
Legal Rights & Agreement Rules · Restriction or exception
Affirm is not the Digital Wallet provider, does not provide the wallet service, and is not responsible for any wallet failure or inability to use the wallet for a transaction. You expressly acknowledge that wallet use is at your sole risk; to the fullest extent permitted by law, any Digital Wallet is provided "as is" and "as available," with all defects and without warranty, and Affirm disclaims all warranties and conditions.
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We are not the provider of the Digital Wallet, and we are not responsible for providing the Digital Wallet service to you.
YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT THE USE OF DIGITAL WALLET IS AT YOUR SOLE RISK.
Account & Service Control · Company practice
Affirm reserves the right to discontinue offering or supporting the Digital Wallet for any reason and can block a Card in the Digital Wallet from purchases at any time.
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We reserve the right to discontinue offering or supporting the Digital Wallet for any reason and we can block a Card in the Digital Wallet from purchases at any time.
Sharing & Disclosure · Permission or license
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.
Security & Safeguards · Procedure
You are solely responsible for maintaining the confidentiality of your passwords, login ID and any other credentials or means used to access the Digital Wallet. You must contact Affirm immediately if you lose your phone or someone uses your Digital Wallet or credentials without authorization, and when you get a new phone you should delete all Cards and personal information from the wallet on the old phone.
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You are solely responsible for maintaining the confidentiality of your passwords, login ID, and any other credentials or means that you use to access the Digital Wallet.
Contact Affirm immediately if you lose your phone or if someone has used your Digital Wallet or your credentials without your authorization.
Legal Rights & Agreement Rules · Context
Affirm and the named Partner Banks (Celtic Bank, Cross River Bank, Evolve Bank & Trust, Lead Bank and Stride Bank, N.A.) are required by law to provide certain disclosures in writing. Without your consent, Affirm and each Partner Bank are not permitted to provide these disclosures to you online.
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are required by law to provide you with certain disclosures in writing.
Without your consent, Affirm and each Partner Bank are not permitted to provide these disclosures to you online.
Legal Rights & Agreement Rules · Context
"Disclosures" include, but are not limited to: agreements and policies required to use the Affirm Services, such as the Terms, the Privacy Policy, Partner and Partner Bank privacy policies, and Loan Agreements; payment authorizations and transaction receipts or confirmations; account statements, billing statements and account histories; tax statements and related communications, including forms 1099-INT, 1099-B and 1099-MISC; and any other legally required disclosures about your rights and obligations relating to the Affirm Services.
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"Disclosures" include, but are not limited to (1) agreements and policies required to use the Affirm Services (e.g., these Affirm Terms, the Affirm Privacy Policy and each Partner and Partner Bank Privacy Policy, and Loan Agreements); (2) payment authorizations and transaction receipts or confirmations; (3) account statements, billing statements, and account histories; (4) all tax statements and related communications, including but not limited to forms 1099-INT, 1099-B and 1099-MISC; and (5) any other disclosures required by law regarding your legal rights and obligations relating to the Affirm Services.
Legal Rights & Agreement Rules · Company practice
Affirm and any Affirm Partner may provide any or all Disclosures electronically on the Affirm Website or in an Affirm App, through a hyperlink there, or at its sole discretion to the email address or mobile number you provided, directly or via the merchant, or by making them accessible via its websites or applications. Affirm and/or an Affirm Partner may, but need not, notify you by email or text when Disclosures are available and how to view them; Disclosures will be provided in a format that can be retained, printed or downloaded.
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Electronic delivery of communications
Affirm and any Affirm Partner may provide any or all Disclosures either electronically on the Affirm Website or in any Affirm App, through a hyperlink provided on the Affirm Website or in any Affirm App, and, at its sole discretion electronically to the email address or mobile telephone number that you have provided to us, either directly or indirectly via the merchant to whom Affirm or the Affirm Partner will send funds, or by making them accessible via our websites or applications.
Affirm and/or an Affirm Partner may, but is not required to, notify you via email or text message when the Disclosures are available and how to view them, either via the hyperlink, email, or other electronic method described herein.
Legal Rights & Agreement Rules · Permission or license
By providing consent, you agree to the electronic-delivery terms that follow. Your electronic signature on agreements and documents has the same effect as an ink signature. Your Consent applies to any transaction undertaken through the Affirm Services in the past, to all future disclosures and communications on your account, to all future transactions using the Services, at any time, to any transaction with Affirm, and to other Disclosures provided by email. Disclosures provided electronically have the same meaning and effect as paper, regardless of whether you actually view them.
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By providing your consent as set forth below ("Consent"), you agree to the following:
Your electronic signature on agreements and documents has the same effect as if you signed them in ink.
Your Consent applies to any transaction undertaken through the Affirm Services in the past, to all future disclosures and communications on your account, to all future transactions in which you use the Affirm Services, at any time, to any transaction with us, and to other Disclosures that we provide to you by email.
Your Consent means that Disclosures Affirm and any the Affirm Partner provides to you electronically shall have the same meaning and effect as if provided in paper form, regardless of whether you actually view those Disclosures.
Legal Rights & Agreement Rules · Procedure
To view or retain Disclosures you need: a computer or mobile device with internet or mobile connectivity able to run the required software; for website disclosures on a computer, a current operating system and browser (Windows 7 or higher with Edge, Chrome or Firefox; Mac OSX with Safari, Chrome or Firefox); for mobile app or website disclosures, a current mobile operating system and browser (Apple: current or one prior iOS; Android: current or one prior Android) and the most current Affirm App; a current PDF reader; a valid email address, with affirm.com allowed through any spam filter; a working mobile number able to receive texts; and sufficient storage to save Disclosures or the ability to print them.
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You understand that, in order to view and/or retain copies of the Disclosures, you will need the following hardware and software:
A computer or mobile device with an Internet connection or mobile connectivity and the ability to download and run the software described in this Section 2;
For website-based Disclosures accessed by computer, the computer must have a current operating system and web browser (PCs should be running Windows 7 or higher and Microsoft Edge, Chrome, or Firefox; Macs should be running OSX and Safari, Chrome, or Firefox);
For Disclosures accessed by mobile application or mobile website, the mobile device must have a current operating system and web browser (for Apple devices, the most current version of iOS or one prior, and for Android devices, the most current version of the Android operating system or one prior), and the most current version of the Affirm App(s) through which you access or use the Affirm Services;
A current version of a program that accurately reads and displays PDF files (e.g., Adobe Acrobat Reader);
A valid email address, and, if you use a spam filter that blocks or re-routes emails from senders not listed in your address book, you must permit messages from the affirm.com domain in your spam filter;
A working mobile telephone number that can receive text messages; and
Sufficient storage space to save Disclosures or the capability to print the Disclosures from the device on which you view them.
Legal Rights & Agreement Rules · Company commitment
Affirm will notify you if its hardware or software requirements change and whether the change creates a material risk that you could not access or retain electronic Disclosures. Continuing to use the Affirm Services after receiving notice of the change reaffirms your Consent.
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We will notify you if our hardware or software requirements change and whether that change creates a material risk that you would not be able to access or retain your electronic Disclosures.
Legal Rights & Agreement Rules · User right or choice
You may withdraw Consent at any time by sending a written request to Affirm, Inc., Attn: Electronic Communications Delivery Policy, 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135. Withdrawal is effective after a reasonable period for processing. The legal effectiveness, validity and enforceability of electronic Disclosures sent before the withdrawal takes effect are unaffected. Affirm may close or limit access to your account and the Services if you withdraw, and you agree to pay amounts owed to Affirm or the Partner Bank even if it does.
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You are free to withdraw your Consent at any time.
Any withdrawal of your Consent will be effective after a reasonable period of time for processing your request.
If you withdraw your Consent, Affirm may close or limit access to your account and the Affirm Services.
You agree to pay any amount owed to Affirm and/or the Partner Bank even if you withdraw your Consent and we close or limit access to your account.
Legal Rights & Agreement Rules · Procedure
Affirm may modify or change the disclosure methods described and Affirm or the Partner Bank may send paper Disclosures at its option. You can obtain a paper copy of an electronic Disclosure at no charge if you request it within a reasonable time after Affirm first provided the electronic Disclosure, by contacting Customer Care at (855) 423-3729.
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You can obtain a paper copy of an electronic Disclosure at no charge, provided that such request is made within a reasonable time after we first provided the electronic Disclosure to you.
Affirm may modify or change the methods of disclosure described herein, and that Affirm and/or the Partner Bank may send you Disclosures in paper form at its option.
Legal Rights & Agreement Rules · Procedure
You must notify Affirm of changes to your primary email address, phone number or other contact information so Affirm can communicate electronically. Affirm is not responsible for delay or failure in your receipt of a Disclosure, text or email notice that it did not cause by failing to send to the number or address you provided, and does not assume liability when your contact information is invalid, your provider filters the message as spam or junk, your device, browser, service, connectivity or software malfunctions, or for other reasons beyond its control. You must provide true, accurate and complete contact information and update changes promptly by contacting Customer Care at (855) 423-3729.
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You agree that it is your responsibility to notify Affirm of any changes to your primary email address, phone number, or any other contact information so that Affirm can communicate with you electronically.
We will not assume liability for non-receipt of notification of availability of electronic Documents in the event your mobile number, email address or other contact information on file is invalid; your email or Internet service provider filters the notification as "spam" or "junk mail"; there is a malfunction in your computer, mobile device, browser, Internet service, mobile connectivity and/or software; or for other reasons beyond our control.
It is your responsibility to provide us with true, accurate and complete mobile number, e-mail address, contact, and other information related to the Affirm Services, and to maintain and update promptly any changes in this information.
Legal Rights & Agreement Rules · Procedure
Before using the Affirm Services, you are asked to agree to the Affirm Terms of Service, including the E-Sign Consent Agreement, by clicking "Create Account." That action constitutes your electronic signature and manifests your Consent and agreement to the E-Sign Consent Agreement. If you do not provide Consent, you may not use the Affirm Services and must stop using them immediately.
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Before using the Affirm Services, you will be asked for your agreement to the Affirm Terms of Service, including this Affirm E-Sign Consent Agreement, by clicking "Create Account."
If you do not provide your Consent, you may not use the Affirm Services and must discontinue your use of the Affirm Services immediately.
Charges & Financial Obligations · Company practice
The APR for a loan financing a purchase through your Affirm Account ranges from 0% to 36%. It depends on your creditworthiness, and other factors may include your state of residence, the lender and the merchant. The APR is always disclosed before you agree to a loan in the applicable Truth in Lending disclosure.
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Interest Rates and Interest Charges
Annual Percentage Rate (APR) for a Loan Financing a Purchase 0% to 36%
The APR will always be disclosed before you agree to a loan in the applicable Truth in Lending disclosure.
Charges & Financial Obligations · Company practice
For any non-0% APR loan through your Affirm Account, interest begins accruing on the loan on the date the lender pays the merchant on your behalf.
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For any non-0% APR loan through your Affirm Account, interest will begin accruing on the loan on the date the lender pays the merchant on your behalf.
Charges & Financial Obligations · Company commitment
The account disclosures list the annual fee as "None." Under Penalty Fees, both "Returned Payment" and "Late Payment" are listed as "None." The fee table therefore states no annual, returned-payment or late-payment fee for the Affirm Account loan described here.
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Fees
Penalty Fees
Annual Fee None
Returned Payment
Late Payment
None
None
Charges & Financial Obligations · Context
Your loan balance is calculated by adding to the purchase amount (or Amount Financed) any applicable interest that accrues daily, then deducting credits and payments you have made.
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Your loan balance is calculated by adding to the purchase amount (or Amount Financed) any applicable interest that accrues daily and then deducting any credits and payments you have made.
Charges & Financial Obligations · Procedure
The notice describes your rights and Affirm's responsibilities under the Fair Credit Billing Act. If you think there is an error on your statement, write to Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 with "Attn: Billing Error Dispute." Include your full name and telephone number, the dollar amount of the suspected error, the loan ID if applicable, and a description of what you believe is wrong and why. You must contact Affirm within 60 days after the error first appeared on your statement, and at least 3 business days before an automated payment is scheduled if you want to stop payment on the disputed amount. You must notify Affirm in writing; you may call, but Affirm is not required to investigate a call and you may have to pay the amount.
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This notice tells you about your rights and our responsibilities under the Fair Credit Billing Act.
If you think there is an error on your statement, write to us at:
Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135 with "Attn: Billing Error Dispute"
In your letter, give us the following information:
Account information: Your full name and telephone number.
Dollar amount: The dollar amount of the suspected error.
Loan ID: If applicable, provide the loan ID of the transaction associated with the suspected error.
Description of problem: If you think there is an error on your bill, describe what you believe is wrong and why you believe it is a mistake.
You must contact us:
Within 60 days after the error first appeared on your statement.
At least 3 business days before an automated payment is scheduled, if you want to stop payment on the amount you think is wrong.
You must notify us of any potential errors in writing. You may call us, but if you do we are not required to investigate any potential errors and you may have to pay the amount in question.
Charges & Financial Obligations · Company commitment
After receiving your letter, Affirm must tell you within 30 days that it received the letter and whether it has already corrected the error, and within 90 days must either correct the error or explain why it believes the bill is correct. While investigating, Affirm cannot try to collect the disputed amount or report you delinquent on it. The charge may remain on your statement and interest may continue; you do not have to pay the disputed amount but remain responsible for the rest of your balance.
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When we receive your letter, we must do two things:
Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error.
Within 90 days of receiving your letter, we must either correct the error or explain to you why we believe the bill is correct.
While we investigate whether or not there has been an error:
We cannot try to collect the amount in question, or report you as delinquent on that amount.
The charge in question may remain on your statement, and we may continue to charge you interest on that amount.
While you do not have to pay the amount in question, you are responsible for the remainder of your balance.
Charges & Financial Obligations · Company commitment
After the investigation, if Affirm made a mistake, you will not have to pay the disputed amount or any related interest or fees. If Affirm does not believe there was a mistake, you must pay the amount plus applicable interest and fees; Affirm will send a statement of the amount owed and the due date, and may report you delinquent if you do not pay.
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After we finish our investigation, one of two things will happen:
If we made a mistake: You will not have to pay the amount in question or any interest or other fees (if any) related to that amount.
If we do not believe there was a mistake: You will have to pay the amount in question, along with applicable interest and fees (if any). We will send you a statement of the amount you owe and the date payment is due. We may then report you as delinquent if you do not pay the amount we think you owe.
Charges & Financial Obligations · User right or choice
If you are dissatisfied with goods or services bought through Affirm and have tried in good faith to resolve it with the merchant, you may have the right not to pay the remaining amount. You must contact Affirm within 120 days of the purchase confirmation date. The right requires all of: the purchase was made in your home state or within 100 miles of your current mailing address and cost more than $50 (neither applies if the purchase was based on an Affirm-mailed advertisement or Affirm owns the seller); you took a loan through your Affirm Account to finance it; and you have not fully paid for it. If the criteria are met and you remain dissatisfied, contact Affirm in writing at Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135.
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If you are dissatisfied with the goods or services that you have purchased through Affirm, and you have tried in good faith to correct the problem with the merchant, you may have the right not to pay the remaining amount due on the purchase. You must contact Affirm within 120 days of the purchase confirmation date.
To use this right, all of the following must be true:
The purchase must have been made in your home state or within 100 miles of your current mailing address, and the purchase price must have been more than $50. (Note: Neither of these are necessary if your purchase was based on an advertisement we mailed to you, or if we own the company that sold you the goods or services.)
You must have taken a loan through your Affirm Account to finance the purchase.
You must not yet have fully paid for the purchase.
If all of the criteria above are met and you are still dissatisfied with the purchase, contact us in writing at:
Affirm, Inc., 14039 Puritas Avenue, P.O. Box 35909, Cleveland, OH 44135
Charges & Financial Obligations · Company practice
While Affirm investigates a purchase dispute, the same rules apply to the disputed amount as for billing errors. After the investigation, Affirm will tell you its decision. If it believes you owe an amount and you do not pay, it may report you as delinquent.
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While we investigate, the same rules apply to the disputed amount as discussed above.
After we finish our investigation, we will tell you our decision. At that point, if we think you owe an amount and you do not pay, we may report you as delinquent.
Charges & Financial Obligations · Context
Payment options through Affirm are provided by the lending partners listed by Affirm. Your rate is 0% to 36% APR based on credit and subject to an eligibility check. The Affirm Pay in 4 payment option is 0% APR.
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Payment options through Affirm are provided by these lending partners:
Your rate will be 0–36% APR based on credit, and is subject to an eligibility check.
Affirm Pay in 4 payment option is 0% APR.
Charges & Financial Obligations · Context
Options depend on purchase amount and may vary by merchant, and a down payment may be required. The example shows a $400 purchase with an $80 down payment followed by 12 monthly payments of $28.88 at 15% APR, or 4 interest-free payments of $100 every 2 weeks. Affirm availability and eligibility may vary and restrictions apply.
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Options depend on your purchase amount and may vary by merchant. A down payment may be required.
at a purchase price of $400 you could pay a down payment of $80, followed by 12 monthly payments of $28.88 at 15% APR or 4 interest-free payments of $100 every 2 weeks.
Charges & Financial Obligations · Context
The Affirm Money Account is held with Cross River Bank (CRB), Member FDIC; Affirm is not a bank, FDIC insurance covers accounts held with CRB if CRB fails, and California residents are told Affirm Loan Services, LLC is licensed by the Department of Financial Protection and Innovation (California Financing Law license 60DBO-111681). The Affirm Card is a Visa debit card issued by Evolve Bank & Trust or Stride Bank, N.A., Members FDIC, under Visa licenses; Affirm is not a bank, FDIC insurance covers only failure of Evolve and/or Stride, and the card is not available to residents of U.S. territories. The one-time-use Affirm virtual card is issued by CRB, Sutton Bank or Celtic Bank, Members FDIC, under a Visa license; Affirm, Inc. (NMLS ID 1883087) and Affirm Loan Services, LLC (NMLS ID 1479506) are identified, with licenses and disclosures at affirm.com/licenses.
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The Affirm Money™ Account is held with Cross River Bank (CRB), Member FDIC. Affirm is not a bank.
The Affirm Card is a Visa® debit card issued by Evolve Bank & Trust (Evolve) or Stride Bank, N.A. (Stride), Members FDIC, pursuant to licenses from Visa U.S.A. Inc.
The Affirm Card is not available to residents of U.S. territories.
The one-time-use Affirm virtual card is issued by CRB, Sutton Bank, or Celtic Bank, Members FDIC, pursuant to a license from Visa U.S.A. Inc.
Data Access & Collection · Permission or license
Affirm may provide account and service communications electronically, by phone or in writing to contact information on file; standard mobile, message or data rates may apply and you bear them. Electronic communications are deemed received when Affirm emails or otherwise sends them to your attention, and postal mail is assumed received three business days after sending. If Affirm needs to service or collect your account, you give direct consent to Affirm and its servicers, agents, contractors and collectors to communicate in any way — calling, texting or email — using a mobile or landline number you provide, use, or that Affirm believes can reach you (even if it is not yours); email addresses you give Affirm, its Bank Partners, service providers or merchants; automated dialer systems and automatic telephone dialing systems; and prerecorded or artificial voice messages. You agree these communications are not unsolicited for purposes of state or federal law and may incur charges. Affirm may close or limit access to your account or a Service and immediately collect all amounts due if you withdraw consent to electronic or other communications, revoke access to a third-party site the Service relies on, or that site cancels your account.
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You agree that Affirm may provide you communications about your account and any Affirm Service electronically or through phone calls or in writing to any contact information we have on file for you.
Any electronic communications will be considered to be received by you at the time we email it to you or otherwise send it to your attention (such as via sms or other online or mobile notification).
If we need to contact you to service your account or to collect amounts you owe to us, you give direct consent to us, as well as servicers, agents, contractors and collectors of your account, to communicate with you in any way, such as calling, texting, or email via:
a mobile phone or landline you provide to us, use to contact us, or at which we believe we can reach you (even if it is not yours),
any email address you provide to us, one of our Bank Partners, service providers, or one of our Merchants,
automated dialer systems and automatic telephone dialing systems,
pre-recorded or artificial voice messages and other forms of communications.
You also agree that these communications are not unsolicited for purposes of any state or federal law, and you understand that this may result in additional mobile, text message, or data charges.
Data Access & Collection · Company practice
Affirm may monitor or record telephone conversations you or anyone acting on your behalf has with Affirm or its agents for quality control, training or its own protection. You acknowledge communications may be overheard, monitored or recorded without further notice or warning, that not all lines or calls are recorded, and that Affirm does not guarantee a recording is retained or retrievable.
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Affirm may monitor or record telephone conversations you or anyone acting on your behalf has with Affirm or its agents for quality control and training purposes or for its own protection.
You acknowledge and understand that, while your communications with Affirm may be overheard, monitored, or recorded without further notice or warning, not all telephone lines or calls may be recorded by Affirm, and Affirm does not guarantee that recordings of any particular telephone calls will be retained or retrievable.
Legal Rights & Agreement Rules · Restriction or exception
This block carves out Disclosures governed by the Affirm E-Sign Consent: their delivery is governed by your consent to, or withdrawal of consent from, receiving those Disclosures electronically, notwithstanding the broader communications consent in this section.
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Notwithstanding this provision, Affirm's delivery of any Disclosures governed by the Affirm E-Sign Consent shall be governed by your consent or withdrawal of consent to receiving such Disclosures in electronic form.
Sharing & Disclosure · Restriction or exception
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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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.
Sharing & Disclosure · Permission or license
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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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.
Data Access & Collection · Permission or license
Where Onfido verifies identity, you agree you have read, understand and accept Onfido's Facial Scan Policy and Release, Privacy Policy and Terms of Service. Where Affirm uses Jumio, you consent to Jumio collecting, processing and sharing your personal information, which may include biometric data, under Jumio's Privacy Notice.
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Where Onfido is used for verifying your identity, you agree that you have read, understand, and accept the
In certain circumstances, Affirm uses Jumio for identity verification purposes.
Account & Service Control · Company practice
Affirm may offer a chance to join a waitlist for future or prospective products. Joining is not a guarantee you will be offered or receive the product. Waitlisted products may have additional limitations, restrictions and qualifications you may not meet; Affirm may change their terms before offering them or decide not to offer them without additional notice; and a partner may impose additional restrictions.
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An offer to join a waitlist is not a guarantee that you will be offered or that you will receive the future product.
Waitlisted products, when available, may have additional limitations, restrictions, and qualifications and you may not meet those qualifications.
Account & Service Control · Procedure
When you provide information to Affirm or in connection with the Affirm Services, you agree to provide only true, accurate, current and complete information about yourself or your business or non-natural person entity, not to misrepresent your identity or account information, to keep account and contact information current, and to notify Affirm promptly of changes. You are also responsible for fees your phone service provider charges, such as SMS, data and other fees.
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you agree to provide only true, accurate, current and complete information about yourself or the business or non-natural person entity that you represent
You further agree to keep your account information and contact information up to date and accurate, and to promptly notify us of any changes to such information.
you are responsible for any fees or other amounts that your phone service provider charges, such as fees for SMS, data services, and any other fees that your phone service provider may charge.
Charges & Financial Obligations · Procedure
You may use an acceptable payment method set out in your relevant loan agreement to make one-time payments as amounts become due, or set up automatic account payments. Nothing in this Agreement applies to the extent inconsistent with the Loan Agreement for your product or service, including a loan originated directly by Affirm.
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You may use one of the acceptable methods of payment set forth in your relevant loan agreement to make one-time transactions to pay your account as payments become due or you may set up automatic account payments.
nothing in this Agreement will be construed as applying to the extent inconsistent with the Loan Agreement related to your product or service including any loan originated directly by Affirm.
Data Access & Collection · Company practice
Affirm may modify or stop offering any tool at any time without notice and has no obligation to continue a particular tool or keep it free. If a tool is modified or withdrawn, you may lose access to information you supplied in connection with it and have no right to obtain that information from Affirm. Information about outside accounts may be out of date, and Affirm states it has no liability if a tool is unavailable or malfunctioning. Some tools or tool functionality are limited to consumers with certain lender, service-provider or financial-institution relationships or certain financial products. Affirm may use information gathered through the tools to market other products and services, including third parties' products.
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We have no obligation to continue to make any particular tool available to you or to do so without charge.
you understand that you may lose access to any information that you may have supplied in connection with your use of the tool and have no rights to obtain such information from us.
You agree that we may use information we gather through the tools to market other products and/or services to you, including those of third parties.
you agree that we have no liability to you if this occurs or in connection with the tools generally.
Data Access & Collection · Permission or license
To provide tools and other services, Affirm may rely on third-party providers. By linking your bank account, you authorize Affirm and its providers to access your financial accounts on your behalf and gather information about you, and you give them a limited power of attorney, appointing them as your attorney-in-fact and agent to access, transmit and use your information as necessary. You agree to transfer, storage and processing of your information by those providers under their own privacy policies. Affirm states it has no liability for damages from those providers' actions or inactions or from inaccurate account information.
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By linking your bank account to a tool or Service, you authorize us and our third party providers to access your financial accounts on your behalf, and to gather information about you.
You give us and our third party providers a limited power of attorney
We have no liability to you for any damages you may suffer as a result of any such third party's actions or inactions or from inaccurate account information.
Legal Rights & Agreement Rules · Context
Financial information provided through the tools is for informational purposes only and is not a substitute for individualized professional advice. Affirm states it is not a credit repair or credit services organization under federal or state law, does not provide credit services or repair, and makes no representation that it will improve your credit record, history or rating. The tools are not intended to provide financial, legal or tax advice, and Affirm is not a financial planner, broker or tax advisor. You should consider professional advice before financial decisions.
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Financial information provided through the tools is provided for informational purposes only and is not a substitute for individualized professional advice.
We are not a credit repair or credit services organization as defined under federal or state law
The tools are not intended to provide financial, legal or tax advice
Legal Rights & Agreement Rules · Restriction or exception
Use of the tools is at your sole risk. Information provided through the tools is on an "as is" and "as available" basis for informational purposes only, and Affirm makes no warranty that the tools will meet your requirements or expectations or be uninterrupted, timely, secure, accurate or reliable.
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YOUR USE OF THE TOOLS IS AT YOUR SOLE RISK.
WE MAKE NO WARRANTY THAT THE TOOLS WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS, OR BE UNINTERRUPTED, TIMELY, SECURE, ACCURATE OR RELIABLE.
Data Access & Collection · Permission or license
By using the Affirm Services, you authorize Affirm, directly or through third parties, to make any inquiries it considers necessary to validate your identity and to collect information under the Customer Identification Program rules implementing Section 326 of the USA PATRIOT Act and its Privacy Policy, including for a business or entity. This can include asking for more information, confirming ownership of your email address or financial instruments, checking third-party databases or other sources, and requesting identifying documents. Affirm reserves the right to close, suspend or limit access to your account or the Services if it cannot obtain or verify the information.
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you authorize Affirm, directly or through third parties, to make any inquiries we consider necessary to validate your identity and to collect information about you in accordance with the Customer Identification Program (CIP) rules implementing Section 326 of the USA PATRIOT Act and our Privacy Policy.
Affirm reserves the right to close, suspend, or limit access to your account and/or the Services in the event we are unable to obtain or verify this information.