Canada Affirm Territory Terms
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Last Updated: August 1, 2025
1. Quebec.
(a) Rescission. If, after receiving a copy of the loan agreement between Affirm and Customer, a Customer residing in Quebec contacts Affirm to exercise their right to cancel within the applicable period following shipment of the Merchant Product (“Quebec Rescission”), Affirm will confirm cancellation of the transaction and advise the Customer that, while no amounts are due under the loan agreement as a result of the Quebec Rescission, such Customer must either (i) repay the principal amount of the applicable loan amount directly to Affirm or (ii) return the applicable Merchant Product to Merchant in accordance with Merchant Policies. Following Customer’s completion of (i) or (ii) above, Affirm will reduce the principal amount of the applicable loan to zero and refund the amount of any applicable Down Payment to the payment instrument used to make such Down Payment. If the Customer elects option (ii) above, (A) Affirm will notify Merchant of such election, (B) Merchant will notify Affirm once the Merchant Product has been returned to Merchant, and (C) the Payout associated with the canceled loan will be owed back to Affirm as a Payable Amount.
(b) Sole Proprietors Residing in Quebec. With respect to a Merchant that is a sole proprietor residing in Quebec, notwithstanding anything to the contrary: (i) arbitration terms do not apply; (ii) this Agreement is governed by the laws of Quebec and applicable federal laws of Canada; and Merchant may terminate this Agreement upon notice to Affirm within thirty (30) days of Affirm’s notice of an amendment hereto.
2. French Language. Merchant acknowledges that a French version of this document is available to Merchant. The Parties agree that the Agreement and all other documents associated with the Agreement (including all communications between the Parties) will be drafted in English. Le Marchand reconnaît qu’une version française du présent document est mise à sa disposition. Les Parties conviennent expressément que le Contrat du Marchand, les présentes Conditions d’utilisation des services et tous les autres documents liés au Contrat du Marchand (y compris toutes les communications entre les Parties) seront rédigés en anglais.
3. Arbitration. For Disputes requiring injunctive relief, either Party may seek such injunctive relief from courts in Toronto, Ontario. All other Disputes will be determined by binding arbitration by ADRIC in Toronto, with claims greater than $250,000 using the ADRIC Rules, and claims of $250,000 or less using the Simplified Arbitration Procedure set out in the ADRIC Rules. In all arbitrations, each Party will bear the expense of its own legal costs and fees. Arbitration proceedings and information related to them will be the Confidential Information of each Party, unless the Parties otherwise agree or as limited by Applicable Law.
4. Governing Law. The Agreement is governed by the laws of Ontario and applicable federal laws of Canada, without regard to any conflict of law principles. Any dispute related to the Agreement must be brought individually, not as a class, consolidated or representative action. The Parties waive any right to jury trial for any dispute, whether resolved through arbitration or court proceedings.
