CA-C-000628
SoFi — SoFi Terms of Service
Entity
Date detected
April 23, 2026
Effective date
April 23, 2026
Severity
Low
Direction
Neutral
Affected users
all users
Changes
1 sentence modified
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What Changed

SoFi updated the 'Also of Interest' calculator links in their Terms of Service footer on April 23, 2026. The previous links included an APY Calculator, Emergency Fund Calculator, and Home Affordability Calculator, while the new links feature a Credit Card Interest Calculator, Personal Loan Calculator, and Savings Account Calculator. This is a minor navigation/content update and does not affect any consumer rights, data practices, or legal terms.

Consumer Impact (what this means for users)

SoFi replaced several financial calculator links in the footer section of their Terms of Service document. The APY Calculator, Emergency Fund Calculator, and Home Affordability Calculator links were swapped out for a Credit Card Interest Calculator, Personal Loan Calculator, and Savings Account Calculator. This change has no effect on consumer rights, data handling, fees, or legal obligations.

Applicable regulations

CCPA/CPRA
California, USA
CFAA
United States Federal
CAN-SPAM
United States Federal
FCRA
United States Federal
GLBA
United States Federal
TCPA
United States Federal

Why It Matters (compliance & risk perspective)

This change has no material impact on consumers — it is a minor navigational update to footer links in the Terms of Service document. No rights, data practices, or fees are affected.

Key Clauses Affected

Footer Calculator Links

The 'Also of Interest' calculator links were updated, replacing APY, Emergency Fund, and Home Affordability calculators with Credit Card Interest, Personal Loan, and Savings Account calculators.

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Evidence Verification

✓ Verified
Previous Version
05c970c65afa9469aa2dcda0b2c3e6202c6a444cc0bd9cecff3935cadede7d19
April 19, 2026 06:08 UTC
✓ Verified
Current Version
eb9a4550b2c0652a8235f6b060d53ed52d0ba42c3de568f208894c6d4ffafc27
April 23, 2026 06:10 UTC
✓ Verified
Change Detected
April 23, 2026 06:10 UTC
✓ Verified
Source Document
https://www.sofi.com/terms-of-use/
How to Cite
ConductAtlas Policy Archive
Entity: SoFi | Document: SoFi Terms of Service | Record: CA-C-000628
Captured: 2026-04-23 06:10:05 UTC
URL: https://conductatlas.com/change/2026-04-23-sofi-sofi-terms-of-service-628/
Accessed: May 2, 2026

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Institutional Analysis (Compliance & legal intelligence)

Assessment

SoFi updated navigational calculator links in the footer of their Terms of Service on April 23, 2026. No substantive legal terms, data processing language, arbitration clauses, or consumer rights provisions were modified. This change does not touch any regulatory framework and requires no compliance action.

Regulatory Exposure

No regulatory frameworks are implicated by this change. The update is limited to navigational footer links within the document and does not alter any substantive terms, data practices, or disclosures under CFPB regulations, FTC Act Section 5, CCPA (Cal. Civ. Code §1798.100 et seq.), GLBA (15 U.S.C. §6801 et seq.), or any other applicable framework.

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ConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-000628.

Full Changes

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Document Context

Document
SoFi Terms of Service
Entity
SoFi
Captured
April 23, 2026
Source URL
https://www.sofi.com/terms-of-use/
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