Change record
CA-C-003890
SoFi Terms of Service
Entity
Date detected
July 22, 2026
Effective date
July 22, 2026
Severity
Low
Direction
Neutral
Changes
1 sentence modified

Impact Summary

Low Neutral for users
Affected users
All users Cryptocurrency investors

SoFi removed a section titled '1% Match Promotion: Example Withdrawal and Fee Calculations' from its cryptocurrency risk disclosure. The updated terms retain the risk warning that cryptocurrency is not FDIC insured, not bank guaranteed, and may lose value, but no longer include the example calculation section. This removes a specific illustrative element but does not change the substantive risk disclosure itself.

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What this means for you

The updated terms remove an example section showing withdrawal and fee calculations for cryptocurrency deposits but preserve the existing risk warning that cryptocurrency is not FDIC insured, not bank guaranteed, and may lose value. The substantive risk disclosure language remains unchanged; only the illustrative example has been removed.

Key Clauses Affected

cryptocurrency risk warning

Risk disclosure retained; illustrative example section removed

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
5c28f737885f1c0029479b0f9972ab2a20fd85ea144bb7d0c63b97440aa6ffcf
July 14, 2026 00:24 UTC
✓ Verified
Current Version
b9471ed83bba058082552096b1a9213c9efa3c73e5c13812b27b96ca8a082a45
July 22, 2026 00:25 UTC
✓ Verified
Change Detected
July 22, 2026 00:25 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-003890
Captured: 2026-07-22 00:25:22 UTC
URL: https://conductatlas.com/change/2026-07-22-sofi-sofi-terms-of-service-3890/
Accessed: Sept. 5, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
For legal and compliance teams

Institutional Analysis

Assessment

This change removes a non-substantive illustrative element (example calculations) from SoFi's crypto risk disclosure while retaining the material risk warning itself. No regulatory obligation is created, modified, or eliminated. The change appears to be editorial …

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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-003890.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
July 22, 2026
Source URL
https://www.sofi.com/terms-of-use/
Other changes to SoFi Terms of Service
Previous change Jul 14, 2026
SoFi restructured its Invest Referral Program into a limited-time promotional offer running July 14, 2026 through September 30, 2026. The …
Medium Negative
Next change Jul 24, 2026
SoFi increased referral rewards for its Credit Score Monitoring program in an update detected on July 24, 2026. Referrers now …
Low Positive
View full version history →
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