Grade F — Predatory terms (score 49/100)
Affirm's Terms of Service include standard financial service provisions, including mandatory arbitration, class action waivers, and broad disclaimers of liability for service interruptions.
Standard financial terms with mandatory arbitration and broad liability waivers.
any dispute or claim... shall be resolved by binding arbitration... CLASS ACTION WAIVER: 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.
Users are forced into individual binding arbitration and waive the right to participate in class action lawsuits.
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.
Affirm attempts to eliminate all legal responsibility for any damages you suffer while using their service.
Affirm may unilaterally decide to change this Agreement from time to time... it is your responsibility to review the Agreement posted to our website from time to time to see if it has been changed.
Affirm can change the rules at any time, and you are responsible for checking the website yourself to see if they have done so.
In certain circumstances, Affirm uses Jumio for identity verification purposes. You consent to Jumio collecting, processing, and sharing your personal information, which may include biometric data, pursuant to Jumio's Privacy Notice.
Affirm uses third-party services that collect your biometric data for identity verification.
Last reviewed 2026-08-26 under rubric v3.5.