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.
This provision establishes that users cannot aggregate claims with other users in a single proceeding, which applies across SoFi's full suite of consumer financial products including banking, lending…
This provision requires that users pursue claims against SoFi individually through AAA arbitration, which establishes the procedural framework for all covered consumer financial disputes arising from…
This provision establishes a passive consent mechanism that triggers full cookie opt-in upon page abandonment for users who have not explicitly engaged with the consent banner, which may require eval…
This provision removes the right to pursue disputes in court and eliminates the ability to participate in class action litigation, which is often the only practical mechanism for consumers to pursue …
The use of third-party tracking technologies for behavioral advertising may constitute 'sharing' personal information under CCPA/CPRA, and the consent management implementation directly affects wheth…
This is SoFi's Terms of Use document governing access to and use of its websites, apps, and financial product services including personal loans, mortgages, investing accounts, and SoFi bank products. …
This is SoFi's privacy policy page, which describes how SoFi collects and uses personal information across its financial products including bank accounts, loans, investing accounts, and credit cards. The policy …
SoFi updated its Terms of Service on June 6, 2026 to explicitly state that the Arbitration Agreement is binding on users. The previous version listed the Arbitration Agreement as one …
View change record →SoFi updated its Terms of Service on June 5, 2026 with primarily formatting and navigation improvements. The main substantive change removes language that previously required users to agree to SoFi's …
View change record →SoFi's updated Privacy Notice contains two substantive policy changes. First, the company expanded the scope of tracking technologies it uses and discloses; previously the policy described cookies and their use …
View change record →SoFi's Terms of Service was updated on May 29, 2026 to explicitly reference the Arbitration Agreement as a binding component of user acceptance. Previously, the agreement mentioned the E-Sign Agreement …
View change record →SoFi updated its Privacy Preference Center disclosure on May 23, 2026, replacing language about cookies with explicit statements about pixel tracking and data sharing with advertising and analytics partners. The …
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 35 policy changes in the past 12 months across the documents ConductAtlas tracks, including 1 classified as high severity.
ConductAtlas has classified 45 provisions across SoFi's tracked documents. 10 are rated high severity, 25 medium, and 10 low.
Yes. Monitor subscribers ($19/month) can add SoFi to their watchlist and receive same-day email alerts whenever any tracked document changes.