Affirm

Last Modified: Mach 8, 2024

Acceptance of the Affirm Terms and Conditions

These terms and conditions are entered into by and between You and ROBINSON & HENRY, P.C. (“Company”, “we” or “us”). The following terms and conditions, together with any documents they expressly incorporate by reference, (collectively, these “Affirm Terms and Conditions”), govern your access to and use of Affirm, Inc., ("Affirm") including any content, functionality and services offered by Affirm.

Please read the Affirm Terms and Conditions carefully before you use Affirm. By using Affirm, you accept and agree to be bound and abide by these Affirm Terms and Conditions, our Privacy Policy, found at https://www.robinsonandhenry.com/privacy/, and our Terms of Use found at https://www.robinsonandhenry.com/policy-terms-conditions/ incorporated herein by reference. If you do not want to agree to these Affirm Terms and Conditions, the Privacy Policy, or our Terms of Use, you must not access or use the Website or Affirm's services.

What is Affirm

Affirm is a financial technology company that offers a platform for providing consumers with point-of-sale (POS) financing options, effectively allowing customers to make purchases and pay for them over time through loans or installment payments.

Our Relationship with Affirm

We do not recommend or endorse and third-party vendor or lender including Affirm. We have negotiated a relationship in order to make their services easily and readily available to our clients. We have no other function in the financing process, and we are not responsible for the application and approval process, loan origination, loan structure, collections procedures, nor for any other aspect of lender practices for any applicant. As is the case with any financial loan transaction, the borrower should make sure he or she understands every aspect of their financial responsibilities regarding any loan prior to entering into any loan agreement and that the loan agreement suits the individual’s personal financial situation. Upon approval Affirm will deposit your loan proceeds into your R&H trust account for your convenience.

Use of Affirm

Financing through Affirm is provided, subject to credit check and approval. Down payment may be required. For purchases under $100, limited payment options are available. Affirm loans are made by Cross River Bank, a New Jersey State Chartered Commercial Bank, Member FDIC. Please note that all financing is subject to eligibility, and not all applicants may be approved. Your rate will be 0–30% APR based on credit, and is subject to an eligibility check. Options depend on your purchase amount, and a down payment may be required. Payment options through Affirm are provided by these lending partners: https://www.affirm.com/lenders. For more information, please visit https://www.affirm.com/help.

By selecting Affirm at checkout, you agree to do business electronically with Affirm and to receive electronically all required disclosures. The Affirm financing option is not available for all of our products and services, and eligibility for financing is determined at the discretion of Affirm. We do not offer or extend credit; credit services are provided by Affirm, which conducts its own review of your eligibility for an offer of credit. This offer is subject to final approval by Affirm.

Upon selecting the “Pay Later” option, you will be directed to a third-party site. Your relationship with Robinson & Henry will be disclosed to Affirm, Inc. Alternatively, you may contact other lenders to avoid such disclosure. It is against the law to take a loan out if you intend to file bankruptcy. Do not take out a loan through affirm or any other lender if you anticipate filing for bankruptcy.