What makes us different
Affirm serves people who are financially responsible, but have run into problems and need help re-establishing a solid financial footing. We understand that financial plans can go off track – whether through illness, job loss, or other family circumstances. Your credit rating may fall to the point where you can’t get a credit card from your financial institution.
That’s where we come in. In our eyes, if you’re facing up to the situation and honestly trying to deal with it. And from that starting point, we take an honest and sympathetic look at your circumstances and your resources, and try our best to deliver a financial bridge to a better future.
No, we don’t approve every single application. But most of our clients are people who have had difficulty getting credit from banks or other financial institutions. They’ve faced what you’re facing now. We’ve not only provided the funds they needed, but we’ve done it with sensitivity and respect.
Maybe it’s your turn now.
Affirm Financial is a responsible lender. We abide by all Provincial and Federal laws pertaining to financial institutions. We pride ourselves on being fair, transparent and responsive.
We believe credit should help you with immediate needs, and we encourage you borrow only what you need. Our credit process is designed to ensure you can afford and can repay in a timely manner. That way, your credit score will improve and you will eventually be able to again borrow from traditional financial institutions at lower rates and with higher credit limits.
We encourage you to shop the marketplace. See what others are charging. We don’t mind – it only makes our rates and fees look even better!
We also encourage you to seek a second opinion. By all means work with a credit counselor to see what form of credit, and how much credit, is right for you.
Full disclosure at all times
We clearly disclose what interest rates and fees apply to your credit card. There are never any “hidden fees” or charges. All the terms and conditions are spelled our clearly in your Cardholder Agreement, and our customer service representatives are always happy to answer your questions.
We limit the information we collect to what we need to manage an effective customer relationship, and we use that information only for those purposes. We do not provide this information to any third party who is not directly associated with achieving that objective.
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We collect information in order to
- Confirm your identity
- Determine your eligibility for our products and services
- Recommend the best products and services to suit your individual needs
- Set up your accounts and provide ongoing service
- Meet legal and regulatory requirements
- Protect you from error and fraud
Affirm Financial Services contacts customers through various means, including, but not limited to, telephone, email, and postal mail. Affirm Financial Services may work with third parties to assist in collection activities.
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We may provide your information to others in situations where
- We have your consent
- The other parties are our suppliers or agents, who assist us in serving you
- We are required or permitted to do so by law or applicable regulators and self-regulatory organizations
Over time, we may acquire new accounts or sell some of our existing accounts. Accordingly, personal information associated with any accounts being purchased or sold may be disclosed (and collected) for such purpose, and transferred as a business asset to the new owner.
Protecting your information
We will give customers access to the information we retain about them when their identity is appropriately assessed. We will make every reasonable effort to keep information accurate and up-to-date. Physical documentation is accessible by the company until such time as we determine it is appropriate to dispose of material as no longer requiring retention.
It is important to note that advertisers or other companies do not have access to Affirm Financial Services cookies. Affirm uses web beacons or cookies to access Affirm cookies inside or outside our network of websites, and in connection with our products and services.
Notwithstanding the above, Affirm Financial Services cautions that confidentiality cannot be guaranteed for transmissions over the Internet. Internet transmissions may be vulnerable to interception, use and/or alteration by persons other than the intended recipient. If you choose to communicate via the Internet, you do so at your sole risk, and Affirm Financial Services hereby expressly disclaims any liability in relation thereto.
Respecting and responding to your privacy concerns
We will investigate and respond to concerns about any aspect of our handling of information. Should you have any questions or concerns, please contact our Privacy Officer at firstname.lastname@example.org or by calling 1-855-220-7531 and asking for the Privacy Officer.
No matter the concern, you should know that the people at Affirm Financial are here for you. Whether you have a simple question about applying for a credit card, or need clarification around term details, you can trust that our qualified customer service representatives will give you the answers you need. We take pride in our customers and in making it as easy as possible to work with us. There are a number of ways you can reach out to us:
|Affirm Financial Toll Free||855-220-7531|
|Affirm Financial Inquiriesemail@example.com|
|General Nova Scotia Inquiries||902-406-8878|
|Affirm Financial Toll Free Fax Line||866-807-6699|
|Affirm Mastercard® Services Inquiries||800-259-1167|
|Affirm Mastercard® Services Inquiriesfirstname.lastname@example.org|
|Affirm Financial Mailing Address||Station ‘B’ P.O. Box 53
London, Ontario N6A 4V3
|Affirm Financial Nova Scotia Office||1959 Upper Water St., Suite 1301, Halifax, Nova Scotia B3J 3N2|