“Rates and Terms are subject to change at anytime without notice and are subject to state restrictions.”
This analysis describes what SoFi's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
The absence of a notice requirement means the reader may not receive advance warning before rates or terms change, and state restrictions may independently limit what rates or terms apply.
Interpretive note: The canonical claim captures both propositions—no-notice changeability and state restrictions—as they are both direct legal qualifications on rates and terms; the state restrictions condition is also recorded in omitted_material as an independent proposition.
The updated Privacy Notice explicitly discloses that SoFi collects user information through cookies, pixels, and other tracking technologies and shares this data with social media, advertising, and analytics partners. Previously, the policy described these practices in more general language. Under the revised terms, continued use of SoFi's website constitutes acceptance of these tracking and data-sharing practices unless the user actively makes selections in the Privacy Preference Center. You can use the preference center to opt out of optional tracking technologies, though strictly necessary cookies cannot be disabled.
View change record →The updated privacy notice explicitly discloses that SoFi uses pixels and tracking technologies to collect information about your actions and preferences, and shares this data with social media, advertising, and analytics partners. The revised consent interface distinguishes between strictly necessary cookies (which cannot be disabled) and optional cookies for performance and targeting purposes (which require affirmative consent). The terms state that if you do not make a selection, you agree to use of these technologies; you can opt out by toggling the button that appears to the right of each optional cookie category.
View change record →The updated terms establish a more permissive consent model for tracking technologies. Previously, the policy stated that users could 'choose not to allow some types of cookies' (opt-in structure). The revised language now states 'If you do not make a selection, you agree to our use of these technologies' (opt-out structure). This means that continued use of the website without affirmative rejection constitutes acceptance of cookies, pixels, and data sharing with advertising and analytics partners. The updated terms also explicitly disclose that SoFi shares collected information with 'social media, advertising, and analytics partners,' providing more specificity about data sharing destinations. You can decline the Privacy Preference Center or decline all optional tracking technologies through the updated preference settings.
View change record →The reader cannot rely on currently displayed rates or terms remaining in effect, and applicable terms may additionally vary based on state restrictions.
How other platforms handle this
You also agree to abide by any additional DoorDash terms or policies for Users that are published on our website or mobile application, whether or not such terms or policies are directly referenced or linked elsewhere in this Agreement.
To the extent that any provisions in the Business Terms of Service conflict with these Terms, the Business Terms of Service shall govern to the extent of the conflict.
Regardless of who terminates these Terms, both you and Snap continue to be bound by Sections 2, 3 (to the extent any additional terms and conditions would, by their terms, survive), and 6 - 25 of the Terms.
"Rates and Terms are subject to change at anytime without notice and are subject to state restrictions.Excerpt from SoFi's Privacy Notice (Retired URL)
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The absence of a notice requirement means the reader may not receive advance warning before rates or terms change, and state restrictions may independently limit what rates or terms apply.
The reader cannot rely on currently displayed rates or terms remaining in effect, and applicable terms may additionally vary based on state restrictions.
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