Change record
CA-X-001511
SoFi Terms of Service
Entity
Date detected
May 1, 2026
Effective date
April 30, 2026
Severity
Low
Direction
Neutral
Changes
+19 sentences added · 12 sentences modified

Impact Summary

Generated by a model from the captured document; not read by a person
Low Neutral for users
Affected users
Sofi plus members US users

SoFi updated its SoFi Plus membership benefits by replacing a ClassPass free trial offer with a new Wall Street Journal subscription benefit. SoFi Plus members are now eligible for a one-time $129 discounted annual digital subscription to The Wall Street Journal and a discounted MarketWatch subscription at $2 every four weeks for one year. After the initial promotional year, both subscriptions will automatically renew at the publisher's standard rates unless canceled beforehand.

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What this means for you

Generated by a model from the captured document; not read by a person

The updated terms replace one SoFi Plus benefit (ClassPass free trial) with new subscription offers from Dow Jones publishers. SoFi Plus members are now eligible for a one-time $129 discounted annual Wall Street Journal digital subscription and a discounted MarketWatch subscription billed at $2 every four weeks for one year. After the initial one-year promotional period, both subscriptions will automatically renew at each publisher's standard rates unless the member cancels directly with the publisher prior to the renewal date. You can access these offers through promotional links provided by SoFi and must complete enrollment with a valid payment method to receive either benefit.

What you can do

→ Access the promotional link provided by SoFi to enroll in either the Wall Street Journal or MarketWatch subscription offer.

→ Complete subscription enrollment with a valid payment method to activate the discounted rate.

→ Cancel the subscription directly with the publisher (Dow Jones or MarketWatch) prior to the renewal date if you do not wish to continue at the standard rate after the promotional year.

Key Clauses Affected

Generated by a model from the captured document; not read by a person
Wall Street Journal and MarketWatch subscription benefit

Replaced ClassPass free trial with $129 annual WSJ subscription and $2 every-four-weeks MarketWatch subscription; auto-renewal at standard rates after one year unless canceled.

Auto-renewal and cancellation terms

Subscriptions automatically renew at publisher standard rates after the promotional period; members must cancel directly with the publisher prior to renewal date.

Full clause-by-clause analysis available with Insight.
ⓘ

This change record describes what was added, removed, or modified in the document. Analysis reflects what the updated agreement states or permits. It does not constitute a legal determination about enforceability. Applicability may vary by jurisdiction. Methodology

Evidence Verification

✓ Verified
Previous Version
eb9a4550b2c0652a8235f6b060d53ed52d0ba42c3de568f208894c6d4ffafc27
April 23, 2026 06:10 UTC
✓ Verified
Current Version
9d928eec7cb4feebd1d4728370638f8a0470801e150d4b6f34f10b612db2e0a1
May 1, 2026 06:05 UTC
✓ Verified
Change Detected
May 1, 2026 06:05 UTC
✓
Analysis Methodology
✓ Verified
Source Document
https://www.sofi.com/terms-of-use/
Record history

Wording edits to this record that do not change what it claims. Changes to a claim are published as corrections.

2026-10-11 · Feed summary edited · summary regenerated by summarize_events
Previous text
Restricts credit score monitoring rewards to new members; replaces ClassPass benefit with Wall Street Journal and MarketWatch subscriptions in SoFi Plus tier.
2026-10-11 · Impact summary edited · summary regenerated by summarize_events
Previous text
The updated terms state that the Credit Score Monitoring reward activity now applies only to new SoFi members, narrowing who can earn points from this activity. SoFi Plus members' included benefits have changed: the previous ClassPass free trial is replaced with a discounted Wall Street Journal annual digital subscription ($129 one-time) and a discounted MarketWatch subscription ($2 every four weeks for one year). The terms establish that after the one-year promotional period, both subscriptions will automatically renew at each service's standard rates unless the member cancels before the renewal date. You can cancel either subscription prior to the renewal date to avoid automatic renewal charges.
2026-10-11 · Summary edited · summary regenerated by summarize_events
Previous text
SoFi updated its member rewards program and SoFi Plus benefits on May 1, 2026. The Credit Score Monitoring reward now applies only to new SoFi members rather than all members. SoFi Plus members now receive a one-time discounted annual digital subscription to The Wall Street Journal ($129) and a discounted ongoing subscription to MarketWatch ($2 every four weeks for one year), replacing the previous ClassPass free trial benefit. After the initial promotional period, both subscriptions automatically renew at standard rates unless canceled before renewal.
2026-10-07 · Change line edited · change line rewritten to the 2026-10-07 template: no detection date, no sentence counts
Previous text
SoFi updated their SoFi Terms of Service on May 01, 2026. Change detected: 19 sentence(s) added, 13 sentence(s) modified. Document contained 963 sentences after update.
Citation Record
Entity: SoFi
Document: SoFi Terms of Service
Record ID: CA-X-001511
Version: CA-V-002049
Captured: 2026-05-01 06:05:39 UTC
URL: https://conductatlas.com/change/2026-05-01-sofi-sofi-terms-of-service-1511/
Accessed: Nov. 10, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Generated by a model from the captured document; not read by a person
Assessment

SoFi modified its SoFi Plus membership benefits by substituting a ClassPass promotion with new Wall Street Journal and MarketWatch subscription offers. The change introduces auto-renewal language and clarifies that subscription management and cancellation occur directly …

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Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.

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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-X-001511.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
May 1, 2026
Source URL
https://www.sofi.com/terms-of-use/
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