SoFi added a new section to its Terms of Service describing its Marketing SMS program. The updated terms disclose that users may opt in to receive marketing and promotional text messages, and explain how to unsubscribe (by texting STOP to 410531), request help (by texting HELP), and understand carrier and message rate policies. The terms also state that data collected through the SMS program will not be shared with third parties for their marketing purposes.
The updated terms disclose SoFi's Marketing SMS program, which is opt-in. Users who enroll will receive promotional text messages for SoFi products and services. The terms state that message and data rates may apply, carriers are not responsible for delays, and message frequency varies. You can opt out by texting STOP to 410531, after which you will receive a final confirmation message and will no longer receive SMS messages unless you re-enroll.
→ Text STOP to 410531 to unsubscribe from Marketing SMS at any time
→ Text HELP to 410531 or call (855) 456-7634 for assistance with SMS messages
Users can unsubscribe by texting STOP to 410531 and will receive a final confirmation message
Data obtained through the Marketing SMS program will not be shared with third parties for their marketing purposes
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
SoFi added disclosure language describing its Marketing SMS program to its Terms of Service. The addition is primarily informational, detailing opt-in mechanics, opt-out procedures, and a commitment not to share SMS-derived data with third parties …
Regulatory exposure, obligation change, escalation trigger, board-ready language, and recommended action for legal and compliance teams.
Unlock the full institutional analysis — InsightConductAtlas provides verified policy intelligence sourced directly from platform documents. All analysis is intended to support, not replace, legal and compliance review. Record CA-X-005530.
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