SoFi updated its cookie and tracking technology disclosures on May 31, 2026. Previously, the privacy notice stated the company uses pixels and tracking technologies to collect information and shares this with social media, advertising, and analytics partners, with an opt-out option for non-essential cookies. The updated language now provides a Privacy Preference Center that explains how cookies work, describes the types of information collected, and offers granular controls allowing users to block specific cookie categories, though some blocking may impact site functionality.
The updated terms establish a more detailed explanation of how cookies and tracking technologies operate on SoFi's website. Previously, the privacy notice used shorter language that grouped cookie management under a simple opt-out mechanism. The revised policy introduces a Privacy Preference Center with category-based controls (Functional Cookies, and potentially others) and explicitly discloses that blocking certain cookies may impact site functionality or service availability. You can now manage cookie preferences by category rather than accepting or declining all tracking at once.
The updated terms shift from a broad tracking disclosure with binary consent to a granular preference center that explains cookie types and their functional impact. This change reduces regulatory risk under frameworks requiring transparent, informed consent for non-essential cookies and gives users actual control mechanisms rather than an assertion that silence constitutes agreement.
→ Visit the Privacy Preference Center when prompted or from the privacy settings link
→ Review each cookie category and toggle categories to disable non-essential tracking
→ Note which categories impact site functionality before disabling them
→ SoFi's default cookie settings will apply as described in the Preference Center
→ Functional cookies will continue to be deployed unless explicitly blocked by the user
Added structured, category-based cookie management in place of binary accept/decline model.
Eliminated assertion that non-selection constitutes agreement to tracking technologies.
Added explicit statement that blocking certain cookies may impair site functionality or service availability.
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 reflects a shift toward more granular consent mechanisms and improved cookie disclosures. The updated language aligns with common privacy best practices and requirements under GDPR, CCPA, and similar frameworks that expect transparent, category-specific cookie management. The change removes language asserting that non-selection means consent and replaces it with a structured preference center. This likely reduces regulatory risk under frameworks requiring affirmative, informed consent for non-essential cookies, though enforceability depends on how the preference center is actually implemented and whether default selections comply with applicable law.
GDPR (lawful basis for cookie consent, right to withdraw), CCPA (cookie opt-out rights), ePrivacy Directive (cookie consent requirements)
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
Monitor: regulatory citations + obligations. Compliance: full compliance memo.
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-002518.
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