Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
Afterpay retains your information even after account closure (risk_flags-1) and does not respond to Do Not Track signals (risk_flags-2). Your continued use of their services implies consent to their data practices (data_use-1). They collect extensive identification (data_use-2), financial (data_use-3), and transaction (data_use-4) information, including precise geolocation data (data_use-5). Afterpay creates credit risk profiles and behavioral data from your information (data_use-6) and enriches your profile with data from third-party marketing and advertising partners (data_use-7).
90% confidence
Ask Verbaterm
Follow up on findings with grounded answers from this review. Not legal advice.
Risk Flags
Clauses that could pose significant risks to the user, including but not limited to, limitations on legal recourse, broad data sharing without clear opt-out, or terms that allow the service to make changes to the agreement or service without adequate notice.
high95% confidence confidence
Company can retain information even after account closure
Even after you close your account, Afterpay can retain information about you and any transactions or Services in which you may have participated for a period of time that is consistent with certain criteria, such as applicable law, applicable statute of limitations, or as Afterpay believes is reasonably necessary to comply with applicable laws, regulations, legal processes, or governmental requests.
Why it matters: There is no guarantee that your personal information will be deleted even after you close your account, which could lead to ongoing privacy exposure.
Even after you close your account, we can retain information about you and any transactions or Services in which you may have participated for a period of time that is consistent with certain criteria, such as applicable law, applicable statute of limitations, or as we believe is reasonably necessary to comply with applicable laws, regulations, legal processes, or governmental requests, to detect or prevent fraud, to collect fees owed, to resolve disputes, to address problems with our Services, to assist with investigations, to enforce our Terms of Service or other applicable agreements or policies, or to take any other actions consistent with applicable law.
**HOW LONG WE KEEP YOUR INFORMATION**, paragraph 1 · Citation strength: strong
medium90% confidence confidence
No response to Do Not Track signals
Afterpay's websites are not designed to respond to Do Not Track ("DNT") signals or similar mechanisms from browsers.
Why it matters: Afterpay's websites will not automatically stop tracking your online activities if you enable Do Not Track in your browser, potentially leading to unwanted data collection.
At this time, our websites are not designed to respond to DNT signals or similar mechanisms from browsers.
**Do Not Track**, paragraph 1 · Citation strength: strong
Data Use
Policies regarding the collection, processing, and sharing of user data, including personal information, usage data, and content. This section also covers data retention and anonymization practices.
medium90% confidence confidence
Consent to data practices by using services
By continuing to interact with Afterpay's Services, you are consenting to the practices described in this Privacy Notice.
Why it matters: Your continued use of Afterpay's services implies your agreement to their data collection and processing practices, which may include broad data uses.
By continuing to interact with our Services, you are consenting to the practices described in this Privacy Notice.
Afterpay collects identification information such as your name, email address, zip or postal code, phone number, signature, authentication credentials (like login info), and IP address, along with additional identification information like full mailing address, date of birth, and government-issued identification including Social Security number, passport, or driver's license.
Why it matters: Afterpay collects extensive personal identification details, including government-issued IDs and login credentials, which could be sensitive if compromised.
* **Identification Information**, such as: Your name, email address, zip or postal code, phone number, signature, and authentication credentials (for example, information you use to log in to your Afterpay account), including Internet Protocol ("IP") address. * **Additional Identification Information**, such as: Your full mailing address; date of birth; government-issued identification, including Social Security number, passport, or driver's license.
**Information You Provide to Access our Services**, paragraph 2 · Citation strength: strong
medium95% confidence confidence
Collection of financial information
Afterpay collects financial information such as bank account and payment card numbers you add to your account, and preferred payment method.
Why it matters: Afterpay collects your bank account and payment card details, which are sensitive financial data.
* **Financial Information**, such as: Bank account and payment card numbers you add to your account, and preferred payment method.
**Information You Provide to Access our Services**, paragraph 2 · Citation strength: strong
low95% confidence confidence
Collection of transaction information
Afterpay collects transaction information, such as the retailer inquired about or transacted with, items purchased, payments attempted or made, payment history (including upcoming or overdue), amount owed or refunded, applied promotions/discounts, and shipping details.
Why it matters: Afterpay collects details of your purchases and payment activities, which provides a comprehensive view of your spending habits.
* **Transaction Information.** When you use our Services for transactions, we collect information such as: such as the retailer you attempted or made a transaction with using our Services, the items you have purchased, payments attempted or made, history of payments, including upcoming or overdue payments, the amount owed or refunded, promotions or discounts applied, and shipping details.
**Information You Provide to Access our Services**, paragraph 2 · Citation strength: strong
low90% confidence confidence
Collection of precise geolocation information
Afterpay may collect the location of your device, including your IP address and the location of your network provider, which may include precise geolocation information.
Why it matters: Afterpay may collect your precise location data, which could be used to track your movements.
* **Geolocation Information.** The location of your device, including your IP address and location of your network provider. This may include precise geolocation information.
**Information We Collect From Your Use of our Services**, paragraph 2 · Citation strength: strong
medium90% confidence confidence
Creation of credit risk profiles
Afterpay develops a credit risk profile about you to assess your creditworthiness and draws inferences from collected information to create a profile that may reflect your credit risk profile, preferences, characteristics, shopping habits, and other behavior.
Why it matters: Afterpay uses your data to create a credit risk profile and gather insights into your shopping habits and other behaviors, which can influence your access to services.
* Developing a credit risk profile about you to assess your creditworthiness; * Drawing inferences from any of the information we collect to create a profile about you that may reflect, for example, your credit risk profile, your preferences, characteristics, shopping habits, and other behavior, to enhance our Services to you and maintain a trusted environment;
* Delivering the information and support you request;, paragraph 1 · Citation strength: strong
medium85% confidence confidence
Sharing information with third-party marketing and advertising partners
Afterpay collects information about you from third-party partners such as advertisers, data brokers, or advertising platforms. This includes inferred characteristics, advertising segments, interests, preferences, or other data used to enhance or supplement customer profiles.
Why it matters: Afterpay enriches your profile with data bought from third-party marketing and advertising partners, meaning they build a more comprehensive profile of you based on external data.
* **Third-Party Marketing and Advertising partners**. Information about you may be collected from third party partners such as advertisers, data brokers or advertising platforms. The information we receive from these sources may include inferred characteristics, advertising segments, interests, preferences, or other data used to enhance or supplement the profiles we maintain about our customers.
**SOURCES OF INFORMATION WE COLLECT ABOUT YOU**, paragraph 2 · Citation strength: strong
Cancellation and Renewal
Details about how users can cancel their subscriptions or services, terms related to automatic renewals, and any associated refund policies.
✓
Looking good
No billing surprises spotted
Verbaterm only flags concerns it can cite. No cancellation, auto-renewal, or refund terms needed attention here.
Gotchas
Unexpected or less-obvious clauses that may be detrimental to the user, including automatic consent, waivers of rights, or complex conditions that might be easily overlooked.
✓
Looking good
No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Protections
Clauses that offer affirmative privacy, security, or other consumer-friendly commitments that are beyond baseline legal requirements.
Protection95% confidence confidence
Ability to deactivate or close your account
You may deactivate or close your account at any time by logging into your account and clicking "Close my account" under "Profile details".
Why it helps: Users have a clear method to close their account, providing control over their continued engagement with the service.
You may deactivate or close your account at any time by logging into your account and clicking "Close my account" under "Profile details".
**Deactivate or Close Your Account**, paragraph 1 · Citation strength: strong
Protection95% confidence confidence
No collection of children's personal information
Afterpay's Services are not directed at children under the age of 18, and they do not knowingly sell or share for targeted advertising the personal information of children under 18. If they learn that any information collected has been provided by a child under 18, they will promptly delete it.
Why it helps: Afterpay commits to not knowingly collecting or sharing personal information from children under 18, and promises to delete such information if it is discovered, protecting minors' privacy.
Our Services are not directed at children under the age of 18. We do not knowingly sell or share for targeted advertising the personal information of children under the age of 18. If we learn that any information we collect has been provided by a child under the age of 18, we will promptly delete that information.
**CHILDREN’S PERSONAL INFORMATION**, paragraph 1 · Citation strength: strong
Report an issue
Flag a citation problem, stale policy text, or incorrect company match.
Verbaterm boundaries
This public review is informational only and is not legal advice. Verbaterm shows only findings tied to the cited source snapshot above.