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SoFi updated its Privacy Notice on June 2, 2026, modifying the cookie consent and tracking technology disclosure section. The previous version described cookie functionality in general terms; the updated version explicitly discloses use of pixels and tracking technologies shared with social media, advertising, and analytics partners, and restructures the consent interface to separate strictly necessary cookies (non-optional) from optional cookies (performance and targeting). The revised language requires affirmative consent for non-essential tracking, whereas the prior version framed cookies as opt-out.
The updated privacy notice explicitly discloses that SoFi uses pixels and tracking technologies to collect information about your actions and preferences, and shares this data with social media, advertising, and analytics partners. The revised consent interface distinguishes between strictly necessary cookies (which cannot be disabled) and optional cookies for performance and targeting purposes (which require affirmative consent). The terms state that if you do not make a selection, you agree to use of these technologies; you can opt out by toggling the button that appears to the right of each optional cookie category.
The updated privacy notice establishes clearer disclosure of third-party advertising and analytics data sharing and restructures the consent mechanism to require affirmative selection for optional cookies. This shifts the operational model from assumed consent to explicit choice, affecting how user tracking data flows to external partners and creating a new procedural requirement for users to actively configure their tracking preferences.
→ Review your cookie preferences by accessing the Privacy Preference Center on the SoFi website
→ Toggle the button to the right of optional cookie categories (Performance and Targeting) to opt out of non-essential tracking
→ Under the updated terms, if you do not make a selection regarding optional cookies, you agree to SoFi's use of pixels and tracking technologies shared with advertising and analytics partners.
→ Your browsing activity and preferences will be collected and shared with third-party advertising and analytics partners unless you actively opt out through the preference center.
This is the 2nd significant Transparency Removal change SoFi has made since ConductAtlas began monitoring.
ConductAtlas has recorded 8 material changes to this document over 41 days of monitoring (since April 2026). An additional minor or cosmetic changes were excluded.
Across all monitored documents, SoFi has made 14 significant changes.
11 of SoFi's significant changes have been classified as negative for consumers.
Moved from general opt-out framing to structured affirmative consent model with separate strictly necessary and optional cookie categories.
Added explicit disclosure that tracking data is shared with social media, advertising, and analytics partners.
Introduced statement that non-selection of optional cookies constitutes agreement to their use, which may conflict with explicit prior consent standards in some jurisdictions.
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
You must now actively choose to allow performance and targeting cookies; they no longer activate unless you opt in.
SoFi restructured its cookie consent mechanism to implement an affirmative opt-in model for non-essential tracking technologies, moving away from an implied consent framework. The updated disclosure explicitly names data sharing with advertising and analytics partners. This aligns with privacy regulation expectations in jurisdictions that require explicit consent for tracking (GDPR, CCPA); however, the statement 'if you do not make a selection, you agree to our use of these technologies' may create enforceability questions in jurisdictions that require prior affirmative consent before any tracking. A compliance review should clarify whether the consent mechanism complies with applicable law in all relevant jurisdictions.
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Analyst $49/moConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-C-002580.
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