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A digital personal finance company that provides online banking, lending, investing, and insurance services to consumers. The platform offers student loan refinancing, personal loans, mortgages, investment accounts, and credit cards through its mobile app and website. Their policies are significant because they govern how sensitive financial data is collected and used, along with the terms under which users access banking and investment services.
High, provisions that significantly limit your legal rights, authorize broad data collection, or create material financial exposure. Medium, provisions worth knowing about but with partial protections or limited scope. Low, standard terms with minimal consumer impact.
The five-year per-deposit holding period is a material condition on receiving the invest match; failing to meet it for any individual deposit disqualifies that deposit, regardless of how long other d…
SoFi Plus membership, and any benefits attached to it, require an ongoing $10 monthly payment, making access to those benefits contingent on continued fee payment.
This clause contractually bars users from treating SoFi Coach as a source of professional advice, which limits SoFi's exposure while placing verification responsibility on the user.
Denying property status and cash value means users have no ownership interest in accumulated points and cannot demand monetary compensation for them.
A one-year limitation period is shorter than most statutory limitation periods and permanently extinguishes claims not filed in time, significantly restricting users' ability to seek legal remedies.
This document sets the rules for using SoFi's website, app, and services. SoFi can change these rules at any time without telling you directly, can cut off your access if …
SoFi's Privacy Notice explains what personal information SoFi collects—including through tracking technologies—and how it shares that information with affiliates, third parties, and advertising partners. You can opt out of certain …
SoFi restructured its Invest Referral Program from an open-ended referral model to a limited-time promotional offer running July 14 through September 30, 2026. The updated terms establish specific eligibility criteria …
View change record →SoFi restructured its Invest Referral Program into a limited-time promotional offer running July 14, 2026 through September 30, 2026. The updated terms narrow referral eligibility by imposing a new asset …
View change record →SoFi substantially revised its referral program terms on June 17, 2026, restructuring eligibility rules, adding explicit conduct and disclosure standards for referrers, introducing a $10,000 annual referral cap, and establishing …
View change record →SoFi's Privacy Notice was updated on June 12, 2026 to revise how the company describes cookie and tracking technology practices. The updated policy explicitly states that SoFi uses cookies, pixels, …
View change record →SoFi updated its cookie and tracking technologies disclosure on the Terms of Service page on June 10, 2026. The prior language stated that SoFi uses pixels and tracking technologies to …
View change record →ConductAtlas tracks 4 SoFi documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
SoFi has made 39 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 62 provisions across SoFi's tracked documents. 15 are rated high severity, 34 medium, and 13 low.
Yes. Monitor subscribers ($4.99/month) can add SoFi to their watchlist and receive same-day email alerts whenever any tracked document changes.