If you have enabled the Global Privacy Control setting in your browser, SoFi's system is configured to automatically reject all non-essential cookies on your behalf, honoring your browser-level privacy preference without requiring you to manually interact with any banner.
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 clause implements automated response logic to browser-based privacy signals, determining the default consent posture for data collection and tracking technologies without requiring explicit user action. This establishes SoFi's technical compliance mechanism with GPC signal recognition standards.
Interpretive note: Whether OneTrust RejectAll() in this implementation fully satisfies CPRA's requirement to honor GPC as an opt-out of all sale and sharing (not merely cookie placement) depends on the complete technical and contractual configuration, which is not fully visible in the document fragment.
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 →California residents and users of GPC-enabled browsers (such as Firefox with Privacy Badger, or Brave) can have their opt-out preference automatically honored when visiting SoFi's website, limiting cookie-based tracking without manual banner interaction.
How other platforms handle this
we do honor legally-recognized browser-based mechanisms (such as the Global Privacy Control designed to signal your opt out choices under certain state laws).
When you use them, we'll validate your request by verifying your identity (for example, by confirming that you're signed in to your Google Account).
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.
"const isGPCEnabled = navigator.globalPrivacyControl === true; if (!userClickedCTA && !isGPCEnabled) { window.OneTrust.AllowAll(); } else if (isGPCEnabled) { window.OneTrust.RejectAll(); }Excerpt from SoFi's Privacy Notice
(1) REGULATORY LANDSCAPE: The California Privacy Rights Act explicitly requires businesses subject to CCPA to treat the GPC browser signal as a valid opt-out of sale and sharing of personal information.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Search "[your state] attorney general consumer complaint" to find your state's direct complaint form
Ad personalization controls removed. Contact scanning added. Advertiser data partnerships quietly dropped. A timeline of every change.
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.
The clause implements automated response logic to browser-based privacy signals, determining the default consent posture for data collection and tracking technologies without requiring explicit user action. This establishes SoFi's technical compliance mechanism with GPC signal recognition standards.
California residents and users of GPC-enabled browsers (such as Firefox with Privacy Badger, or Brave) can have their opt-out preference automatically honored when visiting SoFi's website, limiting cookie-based tracking without manual banner interaction.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by SoFi.