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 absence of a notice requirement means SoFi can alter or eliminate products and benefits without advance warning, leaving the reader with no guaranteed continuity of any product or benefit.
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 →Any product or benefit the reader currently holds or relies on may be modified or discontinued by SoFi at any time without notice.
How other platforms handle this
We reserve the right to modify or terminate free trials at any time, without notice and in our sole discretion.
Microsoft reserves the right to restrict the export of data that may compromise the security of the services or Microsoft's intellectual property.
Products in demand due to COVID-19 and regulated by applicable law
"SOFI RESERVES THE RIGHT TO MODIFY OR DISCONTINUE PRODUCTS AND BENEFITS AT ANY TIME WITHOUT NOTICE.Excerpt from SoFi's Privacy Notice
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The absence of a notice requirement means SoFi can alter or eliminate products and benefits without advance warning, leaving the reader with no guaranteed continuity of any product or benefit.
Any product or benefit the reader currently holds or relies on may be modified or discontinued by SoFi at any time without notice.
ConductAtlas has identified this type of provision across 263 platforms. See the full comparison.
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