Change record
CA-C-003494
SoFi Terms of Service
Entity
Date detected
July 7, 2026
Effective date
July 7, 2026
Severity
Low
Direction
Neutral
Changes
4 sentences modified

Impact Summary

Low Neutral for users
Affected users
Sofi plus subscribers Sofi invest account holders

SoFi removed repeated section headers and example labels from its 1% Match promotion terms on July 7, 2026. The changes removed the phrase '1% Match Promotion: Example Withdrawal and Fee Calculations' from three separate promotion sections covering taxable accounts, cancellation fees, and cryptocurrency matching. The substantive promotion terms, fee calculations, and eligibility rules remain unchanged; only the organizational structure and section labeling were modified.

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What this means for you

This change is a formatting and organizational update with no impact on consumer rights, fees, or promotion terms. The substantive 1% Match promotion terms, early withdrawal fees, holding periods, and cancellation fees remain identical to the prior version. SoFi removed redundant section header labels that appeared multiple times within the promotion documentation.

Key Clauses Affected

1% Match promotion terms structure

Removed duplicate section header labels for organizational clarity; substantive promotion terms unchanged.

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
af59179b200ebc617b339fe63e3a61c03deb466fc578e217517b4f1e4517bcce
June 23, 2026 00:21 UTC
✓ Verified
Current Version
0847011ded46450cd9bf0dc436cfab9b6735e3d0a74f6e60f13ff2ff83c2d919
July 7, 2026 00:19 UTC
✓ Verified
Change Detected
July 7, 2026 00:19 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-003494
Captured: 2026-07-07 00:19:01 UTC
URL: https://conductatlas.com/change/2026-07-07-sofi-sofi-terms-of-service-3494/
Accessed: Aug. 23, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

This is a minor formatting and editorial update. No changes to disclosure obligations, fee structures, or promotion terms. No compliance action required. The change reflects document reorganization only.

🔒 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-003494.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
July 7, 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 8, 2026
SoFi updated its Terms of Service on July 8, 2026 to reorganize product navigation and add clarifying labels to the …
Low Neutral
View full version history →
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