SoFi added organizational headers and subheadings to sections of its Terms of Service describing the 1% Match promotion on deposits and cryptocurrency accounts. The updated document now includes labels such as '1% Match Promotion: Example Withdrawal and Fee Calculations' above tables and examples that were previously unlabeled. The substantive terms governing eligibility, holding periods, fees, and match amounts remain unchanged; this change reorganizes how the information is presented for readability.
This change does not alter the terms governing SoFi's 1% Match promotion or any substantive consumer rights. The updated document adds organizational headers and labels to existing sections describing the promotion, holding period requirements, fee calculations, and cryptocurrency risk disclosures. The rules for match eligibility, the five-year holding period requirement, and early withdrawal fee calculations remain as previously stated.
The updated terms organize existing disclosure language more clearly by adding section headers and calculation labels to the 1% Match promotion sections. This improves readability and may reduce customer confusion about how match calculations and early withdrawal fees work, but does not modify the underlying terms governing eligibility, holding periods, or fee amounts.
Section reorganized with clearer headers; substantive terms and fee calculations unchanged.
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
SoFi reorganized existing disclosure language by adding section headers and calculation labels to the 1% Match promotion terms. This is a formatting and organizational change with no substantive modification to promotion terms, eligibility criteria, or fee structures. No new obligations are created, and no existing consumer protections or restrictions are modified. Review is not required unless internal documentation standards require flagging all ToS modifications.
Full compliance analysis
Obligation analysis, escalation trigger, board language, and recommended action.
Monitor: regulatory citations + obligations. Compliance: full compliance memo.
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