Change record
CA-C-004786
SoFi Terms of Service
Entity
Date detected
September 2, 2026
Effective date
September 2, 2026
Severity
Low
Direction
Neutral
Changes
−1 sentence removed · 2 sentences modified

Impact Summary

Low Neutral for users
Affected users
Sofi plus subscribers

SoFi removed a sentence describing how the limited-time 1% Deposit Match Offer (August 18-31, 2026) could be combined with SoFi Plus benefits. The updated terms also removed the explicit reference to this same promotional offer from the limitations clause, which now states only that the Plus Benefit cannot be combined with other SoFi Invest offers unless SoFi expressly permits it in writing. This change reflects the expiration of the promotional period and simplifies the ongoing terms of SoFi Plus.

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What this means for you

The updated terms remove language describing a promotional offer that expired on August 31, 2026. The revised SoFi Plus terms now provide simplified language stating that the benefit cannot be combined with other SoFi Invest offers unless SoFi expressly permits it in writing. This change does not alter how existing SoFi Plus subscribers' benefits operate going forward.

Key Clauses Affected

SoFi Plus offer combination restrictions

Simplified language removing reference to expired August 2026 promotional offer; operative restriction on combining with other SoFi Invest offers remains 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
0083617cf20aef88a14cbc69e4e1f95544aed52f97f41a88e471e367e342ca55
September 1, 2026 00:26 UTC
✓ Verified
Current Version
945f1456615ae692ad24ececdfdad04f0320d0200dcc5312cd9f10637e970721
September 2, 2026 00:22 UTC
✓ Verified
Change Detected
September 2, 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
Record ID: CA-C-004786
Captured: 2026-09-02 00:22:29 UTC
URL: https://conductatlas.com/change/2026-09-02-sofi-sofi-terms-of-service-4786/
Accessed: Sept. 2, 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 cleanup change reflecting the expiration of a time-limited promotional offer. The removal of promotional language and simplification of the limitations clause carries no material compliance implications. The updated terms maintain the operative …

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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-004786.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
September 2, 2026
Source URL
https://www.sofi.com/terms-of-use/
Other changes to SoFi Terms of Service
Previous change Sep 1, 2026
An in an update detected on September 1, 2026, SoFi modified navigation or menu text within its Terms of Service. …
Low Neutral
View full version history →
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