Privacy Policy

Last updated: 2026-04-05

Ascend ("we," "us," "our," or "Company") operates the website and services available at myaffirm.co (the "Service"). This Privacy Policy explains how we collect, use, disclose, and otherwise process personal information in connection with our Service.

We are committed to protecting your privacy and ensuring you have a positive experience on our platform. Please read this Privacy Policy carefully to understand our practices regarding your personal information. By accessing or using Ascend, you acknowledge that you have read, understood, and agree to be bound by this Privacy Policy.

Information We Collect

We collect information about you in various ways, including information you provide directly, information collected automatically, and information from third-party sources.

Information You Provide Directly

When you create an account, use our Service, or interact with us, you may provide the following types of personal information:

• Account registration information, including your name, email address, phone number, date of birth, and password
• Profile information, including biographical details, preferences, goals, and profile pictures
• Communication information when you contact our support team, including the content of your messages and any attachments
• Payment and billing information, including credit card details, bank account information, and billing address
• Health and wellness information that you voluntarily choose to share with us to improve your experience
• Content you create, upload, or share on our platform, including text, images, videos, and other media
• Feedback, reviews, ratings, and survey responses
• Identification documents and verification information required for account verification or regulatory compliance

Information Collected Automatically

When you access or use our Service, we automatically collect certain information about your device and browsing activity:

• Device information, including device type, operating system, device identifiers, and mobile network information
• Log data, including IP address, browser type, internet service provider, referring or exit pages, clickstream data, and timestamps
• Usage information, including the features you use, the actions you take, the content you view, the search queries you enter, and the duration of your activities
• Location information, including your general geographic location based on IP address or, with your consent, precise location data from your device
• Cookies and similar tracking technologies, as further described in the Cookies section below
• Performance metrics, including load times, application crashes, and system performance data

Information from Third Parties

We may receive personal information about you from third-party sources, including:

• Social media platforms, if you choose to connect your account to Ascend
• Data brokers and analytics providers that help us understand user trends and behaviors
• Business partners and service providers who provide us with information necessary to deliver our Service
• Public databases and records that we may access for verification purposes
• Other users who may provide your information when referring you to our Service or providing feedback

How We Use Information

We use the information we collect for various purposes, which include but are not limited to:

Service Delivery and Improvement

• Creating and maintaining your account
• Delivering, maintaining, and improving our Service and user experience
• Personalizing your experience and providing content tailored to your interests and preferences
• Processing transactions and sending transactional communications
• Troubleshooting, debugging, and resolving technical issues
• Conducting analytics and research to optimize our platform functionality

Communication and Customer Support

• Responding to your inquiries and requests
• Providing customer support and assistance
• Sending service announcements and updates
• Following up on your account or usage
• Notifying you of changes to our policies or Service terms

Marketing and Promotional Activities

• Sending promotional emails, newsletters, and marketing communications about new features, products, or services
• Creating targeted advertising campaigns and personalized offers
• Conducting surveys, contests, and promotional activities
• Analyzing the effectiveness of marketing campaigns

Legal and Compliance Purposes

• Complying with applicable laws, regulations, and legal obligations
• Enforcing our Terms of Service and other agreements
• Protecting the rights, property, and safety of Ascend, our users, and the public
• Detecting, preventing, and addressing fraud, security incidents, and other illegal or harmful activities
• Responding to legal requests from government authorities or courts

Aggregated and De-identified Data

• Creating aggregated and de-identified data for analytics, research, and business purposes
• Developing statistics and insights about user trends and behaviors

Data Sharing

We may share your personal information in the following circumstances:

Service Providers

We share personal information with third-party service providers who perform services on our behalf, including payment processors, email service providers, analytics companies, cloud storage providers, customer support platforms, and marketing partners. These service providers are contractually obligated to use your information only as necessary to provide services to Ascend and to maintain the confidentiality and security of your information.

Business Partners

We may share information with business partners who jointly offer services, conduct co-marketing initiatives, or integrate their offerings with ours. We require these partners to maintain appropriate safeguards for your information.

Social Media Platforms

If you choose to connect your Ascend account with social media platforms, we will share information as necessary to facilitate the integration and as permitted by your privacy settings on those platforms.

Legal Requirements and Protection

We may disclose your personal information when required by law or when we believe in good faith that disclosure is necessary to:

• Comply with applicable laws, regulations, and legal processes, including subpoenas and court orders
• Protect and defend the rights, property, and safety of Ascend
• Enforce our Terms of Service and other agreements
• Protect the personal safety of our users or the public
• Prevent or investigate possible wrongdoing, including fraud, security incidents, or other illegal activities

Business Transfers

In the event of a merger, acquisition, bankruptcy, dissolution, reorganization, or similar transaction or proceeding, your personal information may be transferred as part of that transaction. We will provide notice if such a change occurs and any choices you may have regarding your personal information.

Aggregated and De-identified Information

We may share aggregated and de-identified data with third parties for research, marketing, analytics, and other purposes. This information cannot reasonably be used to identify you.

Other Disclosures

We may disclose your information with your consent or as otherwise directed by you through the Service.

Cookies and Tracking Technologies

Ascend uses cookies and similar tracking technologies to enhance your experience, remember your preferences, understand how you use our Service, and deliver targeted advertising.

Types of Cookies

• Essential Cookies: These cookies are necessary for the operation of our Service, including authentication, security, and basic functionality.
• Preference Cookies: These cookies remember your choices, such as language settings, display preferences, and account information.
• Analytics Cookies: These cookies help us understand how users interact with our Service, including pages visited, features used, and user journey analysis.
• Marketing Cookies: These cookies are used to deliver personalized advertising, track advertising effectiveness, and understand user interests.
• Third-Party Cookies: We permit third-party partners, including advertising networks and analytics providers, to place cookies on your device.

Cookie Control

You can control cookies through your browser settings. Most browsers allow you to refuse cookies or alert you when cookies are being sent. If you disable cookies, some features of our Service may not function properly. You may also opt out of targeted advertising by adjusting your privacy settings or visiting opt-out resources provided by advertising networks.

Other Tracking Technologies

We use other technologies similar to cookies, including web beacons, pixels, local storage, and similar tracking mechanisms to track user activity, deliver content, and measure campaign effectiveness.

Your Rights

Depending on your location, you may have certain rights regarding your personal information:

Access and Portability

You have the right to request access to the personal information we hold about you and to receive a copy of your personal information in a portable format.

Correction and Updates

You have the right to request that we correct inaccurate or incomplete personal information. You may also update your account information directly through your account settings.

Deletion

You have the right to request deletion of your personal information, subject to certain legal exceptions. However, we may retain certain information as required by law or for legitimate business purposes.

Opt-Out of Marketing Communications

You may opt out of receiving promotional emails, newsletters, and marketing communications by clicking the unsubscribe link in our emails or adjusting your communication preferences in your account settings.

Restrict Processing

In certain circumstances, you may have the right to request that we restrict the processing of your personal information.

Object to Processing

You may have the right to object to certain processing of your personal information, including processing for marketing purposes or based on legitimate interests.

Withdraw Consent

If we are processing your information based on your consent, you have the right to withdraw that consent at any time.

Exercising Your Rights

To exercise any of these rights, please contact us using the information provided in the Contact section below. We will respond to your request within the timeframe required by applicable law, typically within thirty days. We may request additional information to verify your identity before processing your request.

Data Security

We implement comprehensive administrative, technical, and physical safeguards designed to protect your personal information against unauthorized access, alteration, disclosure, and destruction. Our security measures include:

• Encryption of sensitive data in transit and at rest using industry-standard encryption protocols
• Secure authentication mechanisms, including password protection and multi-factor authentication
• Regular security assessments, vulnerability testing, and penetration testing