The site's consent management code checks for the Global Privacy Control browser signal and, if detected, executes OneTrust's RejectAll function, declining all non-essential cookie categories for that user.
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
This provision documents that SoFi's implementation recognizes the GPC signal as an opt-out instruction for unauthenticated users on public-facing pages, which is consistent with California Attorney General guidance on CCPA compliance for GPC signals.
Interpretive note: Whether RejectAll fully satisfies CCPA opt-out of sale and sharing obligations depends on whether SoFi's data sharing with third parties extends beyond cookie-based mechanisms, which cannot be confirmed from the page source alone.
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 →Severity downgraded from medium to low while implementation code remains identical.
View full change record →Severity was upgraded from low to medium, indicating heightened regulatory importance of GPC signal recognition.
View full change record →Under this implementation, users who have enabled Global Privacy Control in their browser will have all non-essential cookies rejected automatically when visiting SoFi's public pages, without needing to interact with the consent banner.
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: California's CCPA, as clarified by Attorney General enforcement guidance, requires businesses to treat the GPC signal as a valid opt-out of sale and sharing of personal information.
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This provision documents that SoFi's implementation recognizes the GPC signal as an opt-out instruction for unauthenticated users on public-facing pages, which is consistent with California Attorney General guidance on CCPA compliance for GPC signals.
Under this implementation, users who have enabled Global Privacy Control in their browser will have all non-essential cookies rejected automatically when visiting SoFi's public pages, without needing to interact with the consent banner.
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.