SoFi · SoFi Privacy Notice · View original document ↗

Rates and terms subject to change without notice

High severity High confidence Explicitdocumentlanguage Common · 300 of 352 platforms
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Recent governance activity SoFi recorded 12 documented changes in the last 30 days.
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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

ConductAtlas Analysis

Why it matters (compliance & governance perspective)

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.

Recent Activity

This document changed recently

Medium Jun 15, 2026

The updated terms restructure how SoFi discloses and collects consent for tracking technologies. Previously, SoFi stated that non-selection of preferences constituted acceptance of tracking. The updated version creates distinct cookie categories (Functional, Performance, Targeting, Strictly Necessary) and establishes a Privacy Preference Center allowing you to individually toggle Performance and Targeting cookies on or off. Strictly Necessary Cookies remain non-optional and cannot be disabled, as the updated terms state these are necessary for website functionality. You can manage individual cookie category preferences through the Privacy Preference Center interface before or after initial site visit.

View change record →
Medium Jun 12, 2026

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 →
Medium Jun 2, 2026

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 →

Consumer impact (what this means for users)

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

Perplexity AI Medium

These Terms and the licenses granted hereunder may be assigned by the Company but may not be assigned by you without the prior express written consent of the Company.

ActiveCampaign Medium

These Terms may not be assigned or transferred by you except with our prior written consent.

Google Medium

Your use of certain components of Chrome and ChromeOS is subject to the following terms:

See all platforms with this clause type →

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▸ View Original Clause Language DOCUMENT RECORD
"
Rates and Terms are subject to change at anytime without notice and are subject to state restrictions.

— Excerpt from SoFi's SoFi Privacy Notice

Provision details

Document information
Document
SoFi Privacy Notice
Entity
SoFi
Document last updated
March 14, 2026
Tracking information
First tracked
July 9, 2026
Last verified
July 9, 2026
Record ID
CA-P-023580
Document ID
CA-D-00104
Evidence Provenance
Source URL
Wayback Machine
Content hash (SHA-256)
7b76847eebe703a2aa3f0e1fafc55926e9cbe3cb44aae8c482b48b4f2e87ebe4
Analysis generated
July 9, 2026 03:58 UTC
Methodology
Evidence
✓ Snapshot stored   ✓ Hash verified
Citation Record
Entity: SoFi
Document: SoFi Privacy Notice
Record ID: CA-P-023580
Captured: 2026-07-09 03:58:12 UTC
SHA-256: 7b76847eebe703a2…
URL: https://conductatlas.com/platform/sofi/sofi-privacy-notice/provision/CA-P-023580/rates-and-terms-subject-to-change-without-notice/
Accessed: July 13, 2026
Permanent archival reference. Stable identifier suitable for legal filings, compliance documentation, and research citation.
Classification
Severity
High
Categories

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Frequently Asked Questions

What does SoFi's Rates and terms subject to change without notice clause do?

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.

How does this clause affect you?

The reader cannot rely on currently displayed rates or terms remaining in effect, and applicable terms may additionally vary based on state restrictions.

How many platforms have this type of clause?

ConductAtlas has identified this type of provision across 300 platforms. See the full comparison.

Is ConductAtlas affiliated with SoFi?

No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by SoFi.