Terms and Conditions

Effective date: April 18, 2026

These Terms and Conditions ("Terms") govern your use of the Affirm mobile application, related widgets, reminders, and optional Pro subscription features (collectively, the "Service"). By downloading, accessing, or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be legally capable of entering into a binding agreement under applicable law to use the Service. If you use the Service on behalf of another person or entity, you represent that you have authority to bind that person or entity to these Terms.

2. Wellness Use Only

Affirm is intended for personal wellness, reflection, and motivation. It is not medical advice, mental health treatment, crisis support, or emergency-response service.

Do not rely on the Service as a substitute for professional medical, psychiatric, psychological, or therapeutic care. If you believe you are experiencing an emergency or may harm yourself or others, contact local emergency services or a qualified professional immediately.

3. License to Use the Service

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, in accordance with these Terms and the rules of the app store from which you downloaded the App.

4. Your Content

The Service may allow you to create custom affirmations and attach optional voice notes or images.

• You retain ownership of the content you create.
• You are responsible for the legality, accuracy, and appropriateness of any text, image, audio, or other content you add to the Service.
• You represent that you have the rights needed to use any content you add to the Service.
• You must not use the Service to store, create, or share content that is unlawful, infringing, abusive, threatening, hateful, sexually explicit, or otherwise violates applicable law or third-party rights.

Because the Service is designed to operate primarily on-device, your content is generally stored locally and used only to provide the Service's functionality.

5. Pro Subscriptions and Billing

Affirm may offer paid monthly or yearly automatically renewing Pro subscriptions.

• Billing, renewal, cancellation, refunds, and payment processing are handled by Apple App Store or Google Play under their own terms and policies.
• RevenueCat may be used to help manage subscription state and entitlements.
• Your subscription renews automatically unless you cancel it through your app store account before the end of the current billing period.
• Prices may vary by platform, country, currency, and promotional offer.
• Except where required by law or by the applicable app store's policy, fees are non-refundable.
• We may change the features included in Pro, as well as pricing or availability, at any time to the extent permitted by law.

6. Acceptable Use

You agree not to:

• use the Service in violation of any applicable law or regulation
• interfere with, disrupt, or compromise the Service or related systems
• attempt to reverse engineer, decompile, or disassemble the Service except where applicable law expressly permits it
• bypass, disable, or interfere with subscription, security, or feature-access controls
• use the Service in a way that infringes another person's rights, including privacy, publicity, or intellectual property rights

7. Third-Party Services and Links

The Service may rely on or link to third-party services, including Apple, Google, RevenueCat, and sharing or external-link destinations you choose to open. We do not control those third-party services, and your use of them may be governed by their separate terms and policies.

8. Intellectual Property

The Service, including its software, branding, design, and preloaded affirmation content, is owned by us or our licensors and is protected by applicable intellectual property laws. These Terms do not transfer ownership of the Service to you, other than the limited license expressly granted above.

9. Availability and Changes

We may modify, suspend, or discontinue any part of the Service at any time. We do not guarantee that the Service, or any particular feature of it, will always be available, uninterrupted, secure, or error-free.

10. Disclaimers

To the maximum extent permitted by law, the Service is provided on an "as is" and "as available" basis. We disclaim all warranties, whether express, implied, statutory, or otherwise, including implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted availability.

11. Limitation of Liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of data, profits, revenue, business, or goodwill arising out of or related to your use of the Service.

To the maximum extent permitted by law, our total liability for any claim arising out of or relating to the Service will not exceed the amount you paid, if any, for the Service during the 12 months before the event giving rise to the claim.

12. Termination

We may suspend or terminate your access to the Service if you violate these Terms or if we reasonably believe your use of the Service creates risk, harm, or legal exposure.

You may stop using the Service at any time. Termination does not affect any rights or obligations that by their nature should survive termination.

13. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we may update the effective date above and publish the revised Terms through the Service, the relevant app store listing, or another appropriate channel. Your continued use of the Service after the updated Terms take effect means you accept the revised Terms.

14. Contact

For questions about these Terms, please use the support contact listed on the relevant app store listing for Affirm.