The page code checks whether a user has an active session and routes privacy preference management accordingly: unauthenticated users are directed to the OneTrust preference center, while authenticated users are directed to their SoFi account profile privacy settings.
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 routing mechanism creates two distinct technical pathways for privacy preference management, which compliance teams should verify produce equivalent opt-out outcomes and that both pathways propagate consent signals to the same set of data sharing partners.
Interpretive note: Whether preferences set in each pathway are synchronized across authentication states cannot be confirmed from the page source code alone; this requires operational testing of the consent management implementation.
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 →This new provision explicitly codifies differentiated privacy preference handling based on authentication status, with unauthenticated users directed to OneTrust modal instead of profile settings.
View full change record →Under this implementation, the privacy opt-out experience and the systems recording consent preferences differ depending on whether a user is logged in to SoFi at the time they access the privacy options link, which may affect the scope and application of recorded preferences across authenticated and unauthenticated sessions.
How other platforms handle this
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).
Not be Discriminated Against by us for exercising your privacy rights.
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.
"fetch("/verify-session?returnBody=true&nocache=true") .then((response) => { return response.json(); } ) .then((jsonData) => { if(!jsonData.isSessionAlive){ privacyOptionsLink.addEventListener('click', function(event) { event.preventDefault(); window.OneTrust.ToggleInfoDisplay(); }); } })Excerpt from SoFi's Privacy Notice
1) REGULATORY LANDSCAPE: CCPA requires that opt-out mechanisms be effective regardless of a user's authentication state; the bifurcated routing should be assessed to confirm that opt-out signals are honored equivalently for authenticated and unauthenticated sessions.
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This routing mechanism creates two distinct technical pathways for privacy preference management, which compliance teams should verify produce equivalent opt-out outcomes and that both pathways propagate consent signals to the same set of data sharing partners.
Under this implementation, the privacy opt-out experience and the systems recording consent preferences differ depending on whether a user is logged in to SoFi at the time they access the privacy options link, which may affect the scope and application of recorded preferences across authenticated and unauthenticated sessions.
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