Old version
June 11, 2026 05:50 UTC
f2b14beb9a9739468c8a2f6cb8756cc90b990a3930d77bde34f482bf582c4cec
CA-V-003678
New version
June 12, 2026 00:14 UTC
e91d8e104c78af5ea3c7a3ed145c6a4ba51941ac5690bebc0bd95da25d249a60
CA-V-003706
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Change Summary
SoFi's updated Terms of Service on June 12, 2026 includes several procedural and disclosure changes. The agreement now explicitly incorporates the Arbitration Agreement as a binding document alongside the Terms of Use and E-Sign Agreement, and clarifies that all communications with customers may occur in electronic form. The privacy and tracking disclosure section was substantially revised to detail the use of cookies, pixels, and other tracking technologies, and to explain how information is shared with social media, advertising, and analytics partners, with revised opt-out procedures for non-essential tracking.
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0Terms of Use | SoFi Skip To Main Content Accessible Menu - Main Log In Contact Us Products Loans Student Loan Refinancing Medical Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Medical and Veterinary Loans Dental Loans STEM Loans Auto Loan Refinance Personal Loans Home Improvement Loans Credit Card Consolidation Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Cash-Out Refinance Jumbo Loans FHA Loans VA Loans Mortgage Preapproval Mortgage Rates Home Equity Home Equity Loans HELOC Investing Invest Self-Directed Investing Robo Investing Retirement Accounts (IRAs) Stock Trading IPO Investing Fractional Shares ETFs Credit Cards Credit Cards Everyday Cash Rewards Card Essential Card Unlimited 2% Card Premium Membership SoFi Plus Banking Banking Checking Account High Yield Savings Account International Money Transfers Crypto Crypto Insurance Insurance Auto Insurance Life Insurance Homeowners Insurance Renters Insurance Estate Planning Financial Insights Financial Insights Credit Score Monitoring Budgeting and Spending Property Tracking Investment Portfolio Summary Debt Summary Business Solutions SoFi at Work Small Business Financing Line of Credit Equipment Financing Startup Loans Business Checking Business Credit Card Browse all products SoFi Plus Member Benefits Member Benefits As a SoFi member, you get access to exclusive benefits designed to help set you up for success with your money, community, and career.0Terms of Use | SoFi Skip To Main Content - same page link Accessible Menu - Main Log In Contact Us Products Loans Student Loan Refinancing Medical Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Medical and Veterinary Loans Dental Loans STEM Loans Auto Loan Refinance Personal Loans Home Improvement Loans Credit Card Consolidation Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Cash-Out Refinance Jumbo Loans FHA Loans VA Loans Mortgage Preapproval Mortgage Rates Home Equity Home Equity Loans HELOC Investing Invest Self-Directed Investing Robo Investing Retirement Accounts (IRAs) Stock Trading IPO Investing Fractional Shares ETFs Credit Cards Credit Cards Everyday Cash Rewards Card Essential Card Unlimited 2% Card Premium Membership SoFi Plus Banking Banking Checking Account High Yield Savings Account International Money Transfers Crypto Crypto Insurance Insurance Auto Insurance Life Insurance Homeowners Insurance Renters Insurance Estate Planning Financial Insights Financial Insights Credit Score Monitoring Budgeting and Spending Property Tracking Investment Portfolio Summary Debt Summary Business Solutions SoFi at Work Small Business Financing Line of Credit Equipment Financing Startup Loans Business Checking Business Credit Card Browse all products SoFi Plus Member Benefits Member Benefits As a SoFi member, you get access to exclusive benefits designed to help set you up for success with your money, community, and career.
13Learn More about About Us Our Leadership Meet the SoFi leadership team and board members.13Learn More About Us Our Leadership Meet the SoFi leadership team and board members.
32Confirmation # Confirmation # invalid Zip Code Get Started Cancel X Leaving SoFi Website You are now leaving the SoFi website and entering a third-party website.32Confirmation # Confirmation # invalid Zip Code Get Started Cancel Leaving SoFi Website You are now leaving the SoFi website and entering a third-party website.
43To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s E-Sign Agreement , which means your acceptance of this Terms of Use Agreement and all other agreements with SoFi, such as our GLBA Privacy Notice .43To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s E-Sign Agreement , which means your acceptance of this Terms of Use Agreement and all other agreements with SoFi, such as our GLBA Privacy Notice and Arbitration Agreement , are effective and binding on you just as if you had signed the document with pen and ink, and you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.
44PDF File and Arbitration Agreement , are effective and binding on you just as if you had signed the document with pen and ink, and you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.Removed
84If you use or obtain any SoFi product or service, SoFi will collect information about you and use it and share it according to SoFi’s Online Privacy Policy and GLBA Privacy Notice. .83If you use or obtain any SoFi product or service, SoFi will collect information about you and use it and share it according to SoFi’s Online Privacy Policy and GLBA Privacy Notice.
85PDF File Please read SoFi’s Privacy Policy and Privacy Notice for a full description of how SoFi will collect, use and share information about you.84Please read SoFi’s Privacy Policy and Privacy Notice for a full description of how SoFi will collect, use and share information about you.
87This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice .86This Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice . 5.
88PDF File . 5.Removed
596PDF File .Removed
929Customer Support: (855) 456-7634 Mon-Thu 5:00 AM - 7:00 PM PT Fri-Sun 5:00 AM - 5:00 PM PT Home Loans General Support: (844) 763-4466 Mon-Fri 6:00 AM – 6:00 PM PT Closed Saturday & Sunday PRODUCTS SoFi Plus Student Loan Refinancing Medical/Dental Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Personal Loans Credit Card Consolidation Loans Home Improvement Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Auto Loan Refinance Online Investing Self-Directed Brokerage Account Robo Investing IRA Account Stock Trading Options Trading SoFi Protect Renters Insurance Homeowners Insurance Auto Insurance Life Insurance Estate Planning SoFi Credit Card SoFi Checking and Savings Online Checking Account Online Savings Account Debit Card Checking Account Bonus Crypto Financial Insights SoFi at Work Small Business Financing Business Checking Business Credit Card COMPANY About Us Our Leadership How it Works Our Values Press Investors Careers Inclusive Culture Contact Us On the Money FAQs LEGAL Privacy & Security Terms of Use Disclosures and Agreements Licenses NMLS Access Opens A New Window.926Customer Support: (855) 456-7634 Mon-Thu 5:00 AM - 7:00 PM PT Fri-Sun 5:00 AM - 5:00 PM PT Home Loans General Support: (844) 763-4466 Mon-Fri 6:00 AM – 6:00 PM PT Closed Saturday & Sunday PRODUCTS SoFi Plus Student Loan Refinancing Medical/Dental Resident Refinancing Parent PLUS Refinancing Medical Professional Refinancing Law and MBA Refinancing SmartStart Refinancing Private Student Loans Undergraduate Student Loans Graduate Student Loans Law School Loans MBA Loans Health Professions Loans Parent Student Loans Personal Loans Credit Card Consolidation Loans Home Improvement Loans Family Planning Loans Travel Loans Wedding Loans Mortgage Loans Home Purchase Loans Mortgage Refinance Auto Loan Refinance Online Investing Self-Directed Brokerage Account Robo Investing IRA Account Stock Trading Options Trading SoFi Protect Renters Insurance Homeowners Insurance Auto Insurance Life Insurance Estate Planning SoFi Credit Card SoFi Checking and Savings Online Checking Account Online Savings Account Debit Card Checking Account Bonus Crypto Financial Insights SoFi at Work Small Business Financing Business Checking Business Credit Card COMPANY About Us Our Leadership How it Works Our Values Press Investors Careers Inclusive Culture Contact Us On the Money FAQs LEGAL Privacy & Security Terms of Use Disclosures and Agreements Licenses NMLS Access Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway Intel, insights, and inspo for this financial moment, delivered straight to your inbox.
930Eligibility Criteria ADA Accessibility Business Continuity Your privacy options QUESTIONS FAQs Contact Us ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway ALSO OF INTEREST Home Mortgage Calculator Personal Loan Calculator First-Time Homebuyer Guide Retirement Calculator SoFi's Scholarship Giveaway Intel, insights, and inspo for this financial moment, delivered straight to your inbox.Removed
940Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 ( www.nmlsconsumeraccess.org Opens A New Window. ) Equal Housing Lender.936Loans are originated by SoFi Bank, N.A. (Member FDIC) NMLS #696891 ( www.nmlsconsumeraccess.org ) Equal Housing Lender.
944TLS 1.2 Encrypted Equal Housing Lender Privacy Preference Center When you visit any website, it may store or retrieve information on your browser, mostly in the form of cookies.940TLS 1.2 Encrypted Equal Housing Lender We use pixels and other tracking technologies to collect your information and actions to enhance site navigation, personalize content, analyze site usage, and assist in marketing efforts.
945This information might be about you, your preferences or your device and is mostly used to make the site work as you expect it to.941We share this information with social media, advertising, and analytics partners.
946The information does not usually directly identify you, but it can give you a more personalized web experience.942If you do not make a selection, you agree to our use of these technologies.
947Because we respect your right to privacy, you can choose not to allow some types of cookies.943Privacy Policy Decline all optional Accept all Privacy Preference Center We use cookies, pixels, and other tracking technologies to collect and capture information you provide to us and information about your interaction with our site to enhance site navigation, personalize content, analyze your use of our sites and assist in our marketing efforts.
948Click on the different category headings to find out more and change our default settings.944We share this information with our social media, advertising, and analytics partners.
949However, blocking some types of cookies may impact your experience of the site and the services we are able to offer.945The information collected might relate to you, your preferences, or your device.
950More information Allow All Manage Consent Preferences Functional Cookies Functional Cookies These cookies enable the website to provide enhanced functionality and personalisation.946However, you can choose not to enable these cookies/tools.
951They may be set by us or by third party providers whose services we have added to our pages.947You cannot opt-out of Strictly Necessary Cookies as they are deployed in order to ensure the proper functioning of our website (such as prompting the cookie banner and remembering your settings, to log into your account, to redirect you when you log out, etc.).
952If you do not allow these cookies then some or all of these services may not function properly.948To opt out, toggle the button that appears to the right of each cookie category (it will be gray when opted out).
953Performance Cookies Performance Cookies We use different tools so that we can measure and improve the performance of our site.949SoFi Privacy Policy Allow All Manage Consent Preferences Strictly Necessary Cookies Always Active These cookies are necessary for the website to function and cannot be switched off in our systems.
950They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.
951You can set your browser to block or alert you about these cookies, but some parts of the site will not then work.
952Optional Cookies Optional Cookies Performance Cookies Switch Label label We use different tools so that we can measure and improve the performance of our site.
956Strictly Necessary Cookies Always Active These cookies are necessary for the website to function and cannot be switched off in our systems.955Targeting Cookies Switch Label label Targeting cookies track users' actions and are used to identify users between different websites.
957They are usually only set in response to actions made by you which amount to a request for services, such as setting your privacy preferences, logging in or filling in forms.Removed
958You can set your browser to block or alert you about these cookies, but some parts of the site will not then work.Removed
959Targeting Cookies Targeting Cookies Targeting cookies track users' actions and are used to identify users between different websites.Removed
966Back Clear checkbox label label Apply Cancel Consent Leg.Interest Switch Label label Switch Label label Switch Label label Reject All Confirm My Choices Opens in new window PDF Download Word Download Excel Download PowerPoint Download Document Download962Back Clear checkbox label label Apply Cancel Consent Leg.Interest Switch Label label Switch Label label Switch Label label Confirm My Choices Opens in new window PDF Download Word Download Excel Download PowerPoint Download Document Download
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