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.
Higher = more protective of you, the user/customer — a deliberately user-protective lens, not a universal “good vs bad” score. Computed algorithmically from SoFi’s cited governance stances; no dimension we haven’t confidently read is ever counted against the score. Free, reproducible, and never purchasable.
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.
Users bear financial responsibility for defending SoFi and covering any resulting costs whenever a third-party or other claim arises from the user's own access to or use of the SoFi Site or App.
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 revised its Bank Referral Program terms to clarify timing and eligibility mechanics. The updated language specifies that the 21-day deposit and SoFi Plus subscription windows begin on the day …
View change record →SoFi revised its referral promotion terms, extending the promotion period from June 24 – August 4, 2026 to August 5 – September 30, 2026. The company increased the minimum deposit …
View change record →SoFi substantially revised its Referral Program terms, adding detailed conduct and content standards for referrers, including requirements to disclose material connections, avoid mass solicitation, make only truthful claims, and direct …
View change record →SoFi reduced the interest rates it offers on savings accounts. The rate for accounts with eligible direct deposit decreased from 3.30% APY to 3.10% APY, and the rate for accounts …
View change record →SoFi revised its SoFi Plus subscription terms to change billing language from 'every 30 calendar days' to 'every month', added a new provision allowing SoFi to modify the subscription fee …
View change record →No provisions found.
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Companies change their terms without announcing it. We capture governance documents, compare each new version with the last, and publish what changed, with the source text behind it. One email a week on what we found and what we could not reach.
ConductAtlas tracks 3 SoFi documents including terms of service, privacy policy, and other governance documents. Every document is captured daily with cryptographic verification.
SoFi has made 17 policy changes in the past 12 months across the documents ConductAtlas tracks.
ConductAtlas has classified 0 provisions across SoFi's tracked documents.
Yes. Monitor subscribers ($4.99/month) can add SoFi to their watchlist and receive an email alert after the daily check that finds a change to a tracked document. We check daily where we can, and show you where we can't.