"Affirm's privacy practices present a high risk due to extensive data collection and sharing with third parties. The vague data retention policy further exacerbates these concerns, as users may not have clear control over their information."
Affirm Privacy Concerns & Scorecard
Affirm collects multiple types of personal and financial information, which increases the risk of exposure.
Data may be shared with various third parties, including financial institutions and marketing partners, raising concerns about unauthorized access.
No opt-out options were provided, which limits user control over their data.
Data retention policies are not specified, leading to uncertainty about how long data may be kept.
No advertising tracking practices were noted, which limits user profiling.
No recommended actions at this time.
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Terms of Service Updates
Regional selection messaging updated
The prompt changed from 'Would you like to see what Affirm offers in your region?' to 'See what Affirm offers in your region.' This is a minor wording change that removes the question format and makes the statement more directive, but does not materially alter user rights or obligations.
Effective: September 14, 2026
Why We Analyzed Affirm
TrueTerms automatically audits privacy policies and data practices using advanced machine learning to keep you informed and protected. This scorecard is based on the latest available public terms of service and privacy policies as of 2026.