Change record
CA-C-004886
SoFi Terms of Service
Entity
Date detected
September 5, 2026
Effective date
September 5, 2026
Severity
Low
Direction
Neutral
Changes
2 sentences modified

Impact Summary

Low Neutral for users
Affected users
All users

SoFi updated its website navigation and footer content in the Terms of Use page, detected on September 5, 2026. The changes replaced several calculator tools in the navigation (Home Mortgage Calculator and Personal Loan Calculator were replaced with Mortgage Down Payment Calculator, Compound Interest Calculator, Savings Account Calculator, and IRA Contribution Calculator) and added a reference to International Money Transfers in the Banking Products section. These are navigation and informational updates with no changes to the actual legal terms, rights, obligations, or conditions governing SoFi customer accounts.

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What this means for you

This change does not materially affect the terms consumers operate under. SoFi updated the website navigation and calculator tools displayed on its Terms of Use page, but made no changes to the substantive legal terms, rights, obligations, or conditions that govern customer accounts or services. The updated navigation now includes International Money Transfers as a Banking Product option and modified which financial calculators are displayed.

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
a45c887b0075aedf124d60dac9466a85138274c96ee14cc768e1b864134bc258
September 3, 2026 00:27 UTC
✓ Verified
Current Version
4834351de976b8bf72efce8a463acd861f2b93a4825d430d539fdb4a3a9eb203
September 5, 2026 00:22 UTC
✓ Verified
Change Detected
September 5, 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-004886
Captured: 2026-09-05 00:22:03 UTC
URL: https://conductatlas.com/change/2026-09-05-sofi-sofi-terms-of-service-4886/
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 is a web navigation and footer content update with no substantive legal, privacy, or compliance implications. The change involves reorganization of website navigation elements and calculator tool options on the Terms of Use landing …

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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-004886.

Full Changes

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Document Context

Version history → Policy drift analysis → Document page →
Document
SoFi Terms of Service
Entity
SoFi
Captured
September 5, 2026
Source URL
https://www.sofi.com/terms-of-use/
Other changes to SoFi Terms of Service
Previous change Sep 3, 2026
SoFi revised terminology in its SoFi Plus account terms, changing instances of 'total equity' to 'total equity value' throughout the …
Low Neutral
View full version history →
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