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.
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.
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 modified its SoFi Plus investment match promotion in an update detected on August 18, 2026. The prior offer required SoFi Plus membership for one continuous year; the revised terms …
View change record →SoFi revised its SoFi Plus membership benefits in an update detected on August 18, 2026. The 1% match promotion on investment account deposits was restructured: the holding requirement changed from …
View change record →SoFi updated its referral promotion terms in an update detected on August 5, 2026. The promotion period shifted from June 24 – August 4, 2026 to August 5 – September …
View change record →SoFi revised the terms of its referral promotion program in an update detected on August 5, 2026. The promotion period shifted from June 24 – August 4, 2026 to August …
View change record →SoFi shortened its referral promotion period from December 31, 2026 to August 4, 2026, and modified the eligibility mechanics for both the Standard Bonus and SoFi Plus Additional Bonus by …
View change record →Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
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 64 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.