Change record
CA-C-004004
SoFi Terms of Service (Superseded URL)
Entity
Date detected
July 28, 2026
Effective date
July 28, 2026
Severity
Low
Direction
Neutral
Affected users
sofi plus members sofi invest users
Changes
4 sentences modified
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Event Summary

SoFi removed repetitive section headers and labels from its investment promotion terms in an update detected on July 28, 2026. The changes eliminated three instances of the phrase '1% Match Promotion: Example Withdrawal and Fee Calculations' that appeared above tables and sections describing the 1% match offer, early withdrawal fees, and cancellation policies. The substantive terms, rates, holding periods, and fee structures remain unchanged; only the formatting and organizational headers were revised.

LOW

Consumer Impact

This change does not materially affect the terms under which SoFi Plus members operate. The updated terms maintain the same 1% match on deposits into taxable accounts, the same five-year holding period requirement, and the same early withdrawal and cancellation fee structures. Only formatting and section headers were revised.

Governance Analysis

This change has no material operational significance. The 1% match offer terms, eligibility criteria, fee structures, and holding requirements remain identical. The revision is a formatting optimization that removes duplicate headers without altering substantive policy.

Key Clauses Affected

1% Match Promotion

Section headers were removed; the offer terms, rates, and holding period requirements remain 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
a7622d5d509549bd6f11f69ebd40c4a32ea7e1039d4e9126ac1beaa40ccf43de
July 24, 2026 00:26 UTC
✓ Verified
Current Version
88ca71276cda0a08d44931137629c8e23e6659bbccac5010ece7f55b670aafff
July 28, 2026 00:22 UTC
✓ Verified
Change Detected
July 28, 2026 00:22 UTC
Analysis Methodology
✓ Verified
Source Document
https://www.sofi.com/terms-of-use/
Citation Record
Entity: SoFi
Document: SoFi Terms of Service (Superseded URL)
Record ID: CA-C-004004
Captured: 2026-07-28 00:22:00 UTC
URL: https://conductatlas.com/change/2026-07-28-sofi-sofi-terms-of-service-superseded-url-4004/
Accessed: July 28, 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 is a formatting and organizational revision with no material impact on the substantive terms governing the 1% match promotion. The offer mechanics, holding requirements, fee calculations, and eligibility criteria remain identical. No compliance obligations are created or modified by this revision.

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-004004.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service (Superseded URL)
Entity
SoFi
Captured
July 28, 2026
Source URL
https://www.sofi.com/terms-of-use/
Other changes to SoFi Terms of Service (Superseded URL)
Previous change Jul 24, 2026
SoFi increased the rewards offered through its Credit Score Monitoring Referral Program. Referrers now receive 1,500 rewards points (equivalent to …
Low Positive
View full version history →
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Jul 28, 2026 Low
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