SoFi uses cookies, pixels, and third-party tracking technologies for interest-based advertising, and operates a consent management platform (OneTrust) that allows users to manage their cookie and tracking preferences.
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 use of third-party tracking technologies for behavioral advertising may constitute 'sharing' personal information under CCPA/CPRA, and the consent management implementation directly affects whether opt-out signals are properly recognized and applied.
Interpretive note: The consent-by-inaction mechanism is inferred from the JavaScript implementation visible in the page source; the written policy text governing this behavior was not fully reproduced in the provided HTML.
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 →Removal of this high-severity provision addressing interest-based advertising eliminates explicit reference to third-party tracking technology disclosure, though OneTrust integration persists.
View full change record →The automatic cookie opt-in mechanism based on passive behavior was replaced with a direct privacy options toggle function, and severity was upgraded to high.
View full change record →SoFi's website uses tracking technologies including cookies and pixels that may share device identifiers and browsing activity with advertising partners. The OneTrust consent platform is used to manage these preferences, and the policy states that Global Privacy Control browser signals are recognized.
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We will also provide an individual opt-out choice, or opt-in for sensitive data, before we share your data with third parties other than our agents, or before we use it for a purpose other than which it was originally collected.
If you choose to reveal any personal information about yourself to other users, you do so at your own risk. We strongly encourage you to use caution in disclosing any personal information online.
When you are asked to provide information, you may decline to do so; but if you choose not to provide information that is necessary to provide some of our Services, you may not be able to use those Services.
"function OptanonWrapper() { if (window.location.search.indexOf('privacy_options=true') !== -1) { window.OneTrust.ToggleInfoDisplay(); } }Excerpt from SoFi's Privacy Notice
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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 whether opt-out signals are properly recognized and applied.
SoFi's website uses tracking technologies including cookies and pixels that may share device identifiers and browsing activity with advertising partners. The OneTrust consent platform is used to manage these preferences, and the policy states that Global Privacy Control browser signals are recognized.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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