SoFi's policy authorizes sharing customer personal information with affiliates, service providers, joint marketing partners, and advertising and analytics vendors.
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
Sharing personal information with advertising and analytics partners may constitute 'sharing' for cross-context behavioral advertising under CCPA/CPRA, triggering opt-out rights for California residents and specific vendor agreement requirements.
Interpretive note: The full list of named third-party categories and the specific legal basis for each sharing arrangement is contained in the full policy text; the HTML provided does not reproduce the complete clause language verbatim.
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 →Removal of this high-severity provision regarding third-party data sharing represents either policy consolidation or deprioritization of explicit affiliate and vendor sharing disclosures.
View full change record →Explicitly discloses data sharing practices with affiliates, marketing partners, and analytics vendors at high severity, reflecting significant privacy implications.
View full change record →Customer personal information, including financial data and behavioral data, may be shared with affiliated companies, marketing partners, and third-party analytics and advertising vendors under the terms of this policy.
How other platforms handle this
We share Personal Data with vendors, service providers, and agents who work on our behalf and provide us with services related to the purposes described in this Privacy Policy or our Terms of Service.
We disclose information about you to our vendors (including our affiliates) that perform services on our behalf.
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.
"SoFi is a new kind of finance company taking a member centric approach to financial services. We take the privacy of our customers seriously, and the policies outlined below describe how we use and secure their personal information. For additional detail please review these policies to learn about how we collect, disclose, and use information we collect or receive about you.Excerpt from SoFi's Privacy Notice
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Sharing personal information with advertising and analytics partners may constitute 'sharing' for cross-context behavioral advertising under CCPA/CPRA, triggering opt-out rights for California residents and specific vendor agreement requirements.
Customer personal information, including financial data and behavioral data, may be shared with affiliated companies, marketing partners, and third-party analytics and advertising vendors under the terms of this policy.
ConductAtlas has identified this type of provision across 288 platforms. See the full comparison.
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