SoFi replaced its previous cookie and tracking technology disclosure with a more detailed cookie consent interface that explains how different cookie types function. The prior language stated that SoFi shares collected information with social media, advertising, and analytics partners and that non-selection constitutes consent to tracking. The updated disclosure describes cookie categories separately (functional, performance, strictly necessary), explains what each does, and states that users can choose not to allow some cookie types, though blocking them may affect site functionality.
Consumers: You now have more granular control over which cookies are used, with explanations of what each category does and warnings about the impact of blocking them.
Consumers: SoFi no longer asserts that silence or non-selection constitutes consent to tracking; users must now actively enable each optional cookie type.
The updated terms replace a single consent model with categorized cookie disclosure and granular controls. Previously, SoFi stated that non-selection constituted agreement to tracking technology use and that information was shared with social media, advertising, and analytics partners. The revised language now describes strictly necessary cookies as non-optional and explains that functional and performance cookies can be disabled, though doing so may affect site services. You can now toggle individual cookie categories to prevent their use.
→ Review the cookie categories presented when you visit SoFi's website.
→ Toggle off functional and performance cookies if you prefer to limit tracking, noting any stated limitations on site functionality.
Replaced single consent/decline with granular toggles for strictly necessary, functional, and performance cookies, with category-specific explanations.
Previously stated that non-selection constitutes agreement; now removed in favor of explicit opt-in model for non-essential categories.
Added language warning that blocking certain cookies may impact site experience and services, which may affect the legal validity of consent depending on jurisdiction.
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
This change reorganizes SoFi's cookie consent disclosure from a single consent/non-selection framework to a multi-category cookie consent interface with individual toggles. The shift aligns with privacy regulation expectations in jurisdictions including the EU, UK, and …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-002091.
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