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 notice's stated scope determines what disclosures SoFi is committing to make and signals that sharing extends beyond SoFi itself to both affiliated and unaffiliated third parties.
Interpretive note: The canonical claim merges two independent effects (description of sharing practices; identification of opt-out rights). The opt-out right is recorded in omitted_material and addressed separately in id 23592.
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 →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 reader can consult the notice to understand both the breadth of SoFi's information sharing and which categories of that sharing are eligible for opt-out.
How other platforms handle this
we may use, retain or share information with law enforcement or others in circumstances where a person's vital interests require protection, such as in the case of emergencies.
Any such de-identified genetic information and phenotypic information we share with third parties for research purposes is done in accordance with Part 46 (beginning with Section 46.101) of Title 45 of the Code of Federal Regulations.
By using one of these tools, you agree that Public.com may transfer that information to the applicable third party service.
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"it describes how SoFi collects and shares information with affiliates and non-affiliates and what types of information sharing customers and consumers may opt-out of.— Excerpt from SoFi's SoFi Privacy Notice
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The notice's stated scope determines what disclosures SoFi is committing to make and signals that sharing extends beyond SoFi itself to both affiliated and unaffiliated third parties.
The reader can consult the notice to understand both the breadth of SoFi's information sharing and which categories of that sharing are eligible for opt-out.
ConductAtlas has identified this type of provision across 290 platforms. See the full comparison.
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