Change record
CA-C-003186
SoFi Terms of Service
Entity
Date detected
June 23, 2026
Effective date
June 23, 2026
Severity
Low
Direction
Neutral
Changes
1 sentence modified

Impact Summary

Low Neutral for users
Affected users
All users

SoFi updated its Terms of Service on June 23, 2026. The detected change involved modification of a single sentence within the document, which now contains 952 sentences total. The specific operational content of the modified sentence cannot be determined from the provided diff context, as the change text shows only navigation menu and product listing additions (insertion of 'Smart Card' in the product menu) rather than substantive terms language.

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What this means for you

The available change information indicates a single sentence was modified in SoFi's Terms of Service on June 23, 2026, but the specific substantive content of that modification cannot be determined from the provided diff context. The visible text changes show product menu additions only, not substantive policy language. Without clarity on what the modified sentence states, the operational impact on consumer rights, obligations, or data handling cannot be assessed.

Key Clauses Affected

Modified sentence (unspecified)

One sentence was modified on June 23, 2026; specific content unavailable from provided diff.

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
23716a8f54a8d6fb1d85a421eca6c5cb0f73fde63533a856201203361a10ce81
June 18, 2026 00:17 UTC
✓ Verified
Current Version
af59179b200ebc617b339fe63e3a61c03deb466fc578e217517b4f1e4517bcce
June 23, 2026 00:21 UTC
✓ Verified
Change Detected
June 23, 2026 00:21 UTC
Analysis Methodology
✓ Verified
Source Document
https://www.sofi.com/terms-of-use/
Citation Record
Entity: SoFi
Document: SoFi Terms of Service
Record ID: CA-C-003186
Captured: 2026-06-23 00:21:03 UTC
URL: https://conductatlas.com/change/2026-06-23-sofi-sofi-terms-of-service-3186/
Accessed: Sept. 12, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

A single sentence modification was detected in SoFi's Terms of Service on June 23, 2026. The specific content and operational significance of the modified sentence cannot be determined from the provided diff context, which shows …

🔒 Full institutional analysis

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-C-003186.

Full Changes

View complete diff →

Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
June 23, 2026
Source URL
https://www.sofi.com/terms-of-use/
Other changes to SoFi Terms of Service
Previous change Jun 18, 2026
SoFi added a detailed Crypto Referral Program section to its Terms of Service on June 18, 2026, establishing the operational …
Low Neutral
Next change Jul 7, 2026
SoFi removed repeated section headers and example labels from its 1% Match promotion terms on July 7, 2026. The changes …
Low Neutral
View full version history →
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