| Before | After | ||
|---|---|---|---|
| 31 | Relay (Financial Insights and Tools) 3. | 31 | SoFi Coach (Financial Chat, Insights, and Tools) 3. |
| 38 | Use of artificial intelligence in SoFi Coach 10. | 38 | SoFi Plus 10. |
| 39 | SoFi Plus 11. | — | Removed |
| 189 | For example, if you connect a bank account to SoFi’s Relay tool (described below), SoFi can collect any information from the account, including balance and transaction information, such as amount of payments, debits, and deposits. | 188 | For example, if you connect a bank account to SoFi Coach (described below), SoFi can collect any information from the account, including balance and transaction information, such as amount of payments, debits, and deposits. |
| 195 | Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide the Services to you. • To obtain information from Connected Account, SoFi Acts as Your Agent. | 194 | Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide the Services to you. • Use of Aggregator Services such as Plaid. |
| 195 | To connect an account , SoFi may require you to use a service offered by a data aggregator, such as Plaid Inc. | ||
| 196 | (“Plaid”). | ||
| 197 | By using this Service, you acknowledge and agree that the privacy policy of the aggregator (such as Plaid’s Privacy Policy ) will govern the aggregator’s use of information it collects about you or that you provide to the aggregator. | ||
| 198 | You expressly grant to the aggregator (such as Plaid) the right, power, and authority to access and transmit your information as reasonably necessary to provide the selected services to you. • To obtain information from Connected Account, SoFi Acts as Your Agent. | ||
| 198 | Relay (Personal financial management insights and tools). | 201 | SoFi Coach – Personalized financial chat, insights, tracking, and tools. |
| 199 | If you use SoFi’s Relay service, the following terms and conditions also apply to you. | 202 | (Coach was formerly titled “SoFi Relay”) SoFi Coach offers financial insights and personal tools to view, aggregate, and manage your information from multiple accounts. |
| 200 | SoFi offers financial insights and personal tools to view, aggregate, and manage your information from multiple accounts. | 203 | The information compiled includes accounts held at SoFi and that you might have connected from external financial institutions, such as a bank account or a loan serviced by another institution. |
| 201 | The information compiled includes accounts held at SoFi and at external financial institutions, such as a bank account or a loan serviced by another institution. | 204 | SoFi offers these tools under the product name brand of “SoFi Coach.” If you elect to connect an external account in SoFi Coach, you authorize SoFi to obtain information from the Connected Account external account and use it as described above in the section (“Connected Accounts”). |
| 202 | SoFi offers these tools under the product name brand of “Relay.” If you elect to connect an external account in Relay, you authorize SoFi to obtain information from the Connected Account external account and use it as described above in the section (“Connected Accounts”). | 205 | SoFi Coach tools are intended to only provide organizational and informational services regarding your finances. |
| 203 | SoFi’s Relay tools are intended to only provide organizational and informational services regarding your finances.The SoFi Relay tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice. | 206 | The SoFi Coach tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice. |
| 206 | If you elect to use Relay, you are fully and solely responsible for your accounts and agree SoFi’s only role is to aggregate compile data to information for present to you. 3. | 209 | If you elect to use SoFi Coach, you are fully and solely responsible for your accounts and agree SoFi’s only role is to present and use information for you to review. |
| 210 | Use of artificial intelligence in SoFi Coach. | ||
| 211 | Responses may be generated by artificial intelligence (“AI”). | ||
| 212 | If you require customer support, a live support agent may be available. | ||
| 213 | AI-generated responses may be incorrect, incomplete, or inconsistent with information available in your account. | ||
| 214 | You agree to verify important details and not rely on SoFi Coach for financial, legal, investment, tax, or other professional advice. | ||
| 215 | SoFi Coach suggestions should not be treated as advice or recommendations, and you agree to not make any financial decisions based solely on SoFi Coach responses. | ||
| 216 | SoFi may review your interactions with Coach to improve accuracy, safety, and performance of our systems. | ||
| 217 | Your use of SoFi Coach means you accept these terms and is also subject to the SoFi Terms of Use and Privacy Policy. 3. | ||
| 459 | Points Earned The SoFi Member Rewards Program allows you to earn points from activities such as: • Linking your first non-SoFi account to SoFi Relay • Signing up for Credit Score Monitoring (for new SoFi members) • Activating your SoFi Debit Mastercard • Setting up Billpay from your SoFi Money® or SoFi Checking account The ways to earn rewards points are subject to change at any time. | 470 | Points Earned The SoFi Member Rewards Program allows you to earn points from activities such as: • Linking your first non-SoFi account to SoFi Coach • Signing up for Credit Score Monitoring (for new SoFi members) • Activating your SoFi Debit Mastercard • Setting up Billpay from your SoFi Money® or SoFi Checking account The ways to earn rewards points are subject to change at any time. |
| 497 | Use of artificial intelligence in SoFi Coach SoFi Coach helps you learn about SoFi products, view and analyze your financial information, and troubleshoot account issues. | — | Removed |
| 498 | Depending on your question, responses may be generated by artificial intelligence (“AI”) or, if you require customer support, a live support agent. | — | Removed |
| 499 | By using SoFi Coach, you acknowledge that SoFi employs AI technologies to generate certain responses, and you agree to use SoFi’s AI tools at your own discretion. | — | Removed |
| 500 | AI-generated responses may be incorrect, incomplete, or inconsistent with information available in your account. | — | Removed |
| 501 | You agree to verify important details and not rely on SoFi Coach for financial, legal, investment, tax, or other professional advice. | — | Removed |
| 502 | SoFi Coach suggestions should not be treated as advice or recommendations, and you agree to not make any financial decisions based solely on SoFi Coach responses. | — | Removed |
| 503 | SoFi may review your interactions with Coach to improve accuracy, safety, and performance of our AI systems. | — | Removed |
| 504 | Your use of SoFi Coach is also subject to the SoFi Terms of Use and Privacy Policy. 10. | — | Removed |
| 921 | All Rights Reserved. 11. | 924 | All Rights Reserved. 10. |
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