This Agreement governs your use of SoFi online functions, products and services through the SoFi Site
This Terms of Use Agreement, last updated September 17, 2026, sets the terms for your access to and use of the online functions, products and services made available by Social Finance, LLC and all of its subsidiaries and affiliates. The "SoFi Site" covers the SoFi website (www.sofi.com), the SoFi mobile app, and any phone, email or additional websites SoFi offers to reach its products and services.
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Last Updated: September 17, 2026
This Terms of Use Agreement (this “Agreement”) sets forth the terms and conditions that apply to your access and use of the online functions, products, and services made available to you by Social Finance, LLC and any and all of its subsidiaries and affiliates.
SoFi may also offer phone, email, and additional websites that allow you to access SoFi products and services. All of these channels are referred to collectively in this Agreement as the “SoFi Site.”
Qualifications & exceptions
The SoFi Site definition includes phone and email channels as well as the website and app, so the Agreement is not limited to web or app use.
Legal Rights & Agreement Rules · Context
"SoFi" means every company affiliated with Social Finance, LLC, and new ones may be added
Products on the SoFi Site come from several affiliated companies, including SoFi Bank, National Association, SoFi Lending Corp., SoFi Securities LLC, SoFi Wealth LLC, SoFi Credit LLC, SoFi Digital Assets, LLC and Social Finance Life Insurance Agency, LLC. The Agreement uses "SoFi" for any and all companies affiliated with Social Finance, LLC, and SoFi may add new operating companies over time. Details on each company are on SoFi's Legal page, which is not part of this source.
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Through the SoFi Site you may access many different products and services offered by Social Finance, LLC and its affiliated companies, including but not limited to: SoFi Bank, National Association, SoFi Lending Corp., SoFi Securities LLC, SoFi Wealth LLC, SoFi Credit LLC, SoFi Digital Assets, LLC, and Social Finance Life Insurance Agency, LLC.
We use the name “SoFi” to refer to any and all of the companies affiliated with Social Finance, LLC
SoFi may add new operating companies from time to time to offer additional products and services.
Qualifications & exceptions
The list of companies is not exhaustive ("including but not limited to"), so which SoFi company provides a given product is not settled by this list.
Not stated here
The Legal page describing each SoFi company is linked but not supplied.
Legal Rights & Agreement Rules · Procedure
You must accept the E-Sign Agreement, making electronic acceptance binding and communications electronic
To use the SoFi Site and to get any SoFi product or service, you must agree to SoFi's E-Sign Agreement. That means your acceptance of this Agreement and of all your other agreements with SoFi, such as the GLBA Privacy Notice and the Arbitration Agreement, binds you as if you had signed with pen and ink, and you agree that all communication with you about SoFi and any SoFi product or service may be electronic.
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To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s [E-Sign Agreement](https://www.sofi.com/login/policy/esign), which means your acceptance of this Terms of Use Agreement and all other agreements with SoFi
are effective and binding on you just as if you had signed the document with pen and ink, and you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.
Qualifications & exceptions
Agreement to the E-Sign Agreement is a condition both for using the SoFi Site and for obtaining any SoFi product or service.
Not stated here
The E-Sign Agreement, GLBA Privacy Notice and Arbitration Agreement are linked but not supplied; their terms are not analyzed here.
Legal Rights & Agreement Rules · Procedure
Using the SoFi Site, registering or submitting an application means you accept this Agreement
Accepting this Agreement is required to use the SoFi Site and to obtain any product or service offered on it. Using the SoFi Site to obtain a SoFi product or service binds you as if you had signed. If you do not want to be bound, do not access or use the SoFi website or app, do not click "accept" to register, and do not submit any account application, loan inquiry, loan request or other product request; taking any of these actions means you agree.
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Your acceptance of this Terms of Use Agreement is required to use the SoFi Site and to obtain any product or service offered on the SoFi Site.
By using the SoFi Site to obtain any SoFi product or service, you agree to be bound by this Terms of Use Agreement just as if you have signed the document with pen and ink.
If you do not wish to be bound by this Terms of Use Agreement, then do not access or use the SoFi website or mobile application, do not click “accept” to register with SoFi, and do not submit any account application, loan inquiry, loan request, or other product request. Taking any of these actions means you agree to this Terms of Use Agreement just as if you had signed it with pen and paper.
Legal Rights & Agreement Rules · Procedure
Questions about these Terms go to SoFi Customer Support by phone
For questions or comments about these Terms of Use, you can call SoFi Customer Support at 1-855-456-7634.
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If you have questions or comments about these Terms of Use, please contact SoFi Customer Support at 1-855-456-7634.
Legal Rights & Agreement Rules · Context
General Terms apply to everyone; product-specific sections also apply if you use those products
The Agreement has General Terms that apply to all users, plus specific additional terms that apply to you if you use particular SoFi products or services. The listed products with their own terms are: Connected Accounts; SoFi Coach (Financial Chat, Insights, and Tools); Credit Score Monitoring; At Work Services (if you reach SoFi through your employer); SoFi Marketplace & Lantern; the SoFi Mobile App; the Referral Program; the SoFi Member Rewards Program; SoFi Plus; and SoFi Insurance Agency Services (Protect).
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Please note this Terms of Use Agreement contains General Terms applicable to all users PLUS sections with terms that apply to you if you use specific SoFi products and services.
I. GENERAL TERMS
II. SPECIFIC ADDITIONAL TERMS AND CONDITIONS
If you use ANY of the following SoFi products or services, please read the terms applicable to each — these terms apply to you.
Connected Accounts
SoFi Coach (Financial Chat, Insights, and Tools)
Credit Score Monitoring
At Work Services (If you reach SoFi through your Employer)
SoFi Marketplace & Lantern
SoFi Mobile App
Referral Program
SoFi Member Rewards Program
SoFi Plus
SoFi Insurance Agency Services (Protect)
Qualifications & exceptions
A product-specific section applies only if you use that product or service; the General Terms apply to all users.
Legal Rights & Agreement Rules · Permission or license
SoFi may change these Terms by posting a new version, without notice; continued use is acceptance
SoFi may change this Terms of Use Agreement from time to time by posting a current version on the SoFi website, without delivering any notice to you. Your continued access to or use of the SoFi Site is treated as acceptance of the version in place at that time, so SoFi asks you to review the current version from time to time.
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SoFi may change this Terms of Use Agreement from time to time by posting a current version on the SoFi website without delivering any notice to you.
your continued access or use of the SoFi Site shall be deemed your acceptance of the Terms of Use in place at that time.
Qualifications & exceptions
No individual notice is required; posting the current version on the SoFi website is the stated method.
Legal Rights & Agreement Rules · Context
Some products need extra agreements, and you are bound by both those and these Terms
Getting certain SoFi products and services may require you to sign additional agreements with SoFi; for example, SoFi Wealth's investment advisory services require an additional customer agreement. You are subject both to this Terms of Use Agreement and to any other agreements you enter with SoFi.
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To obtain certain SoFi products and services you might be required to enter into additional agreements with SoFi. For example, using SoFi Wealth’s investment advisory services requires you to enter an additional customer agreement.
You will be subject to this Terms of Use Agreement and any other agreements you enter with SoFi.
Not stated here
This section does not say which agreement controls if this Agreement and a product agreement conflict.
The additional product agreements are not supplied.
Legal Rights & Agreement Rules · Restriction or exception
You accept the risk that technical problems disrupt information or transactions, including trades
By using the SoFi Site and online services you accept that online financial transactions carry inherent risks. You accept the risk that technical difficulties may impair your ability to get, view or deliver information or to execute a transaction, including time-sensitive ones such as securities trades, payments or cash management.
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Conducting financial transactions through online services such as SoFi has inherent risks. By using the SoFi Site and online services, you agree to and accept the following:
You accept the risk the SoFi Site could be affected by technical difficulties that impair your ability to obtain, view, or deliver information or execute a transaction, including in time sensitive transactions such as securities trades, payments, or cash management.
Legal Rights & Agreement Rules · Restriction or exception
Optional Alerts may be late or wrong, and SoFi is not liable; SoFi can stop them anytime
You may choose to have SoFi send you messages called "Alerts" by text or phone. Alerts may be delayed or blocked by factors affecting your internet or phone provider or others. SoFi is not liable for losses or damages from non-delivery, delayed or erroneous delivery of any Alert, or inaccurate Alert content, and you are responsible for how you use or rely on an Alert. SoFi may end your use of Alerts at any time without notice. You can stop receiving Alerts by updating your SoFi App Notifications preferences.
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You may select for SoFi to send you messages called “Alerts” by text or phone.
SoFi is not liable for losses or damages arising from non-delivery, delayed delivery, or the erroneous delivery of any Alert, or inaccurate Alert content. You are responsible for your use or reliance on the contents of any Alert for any purposes.
SoFi may terminate your use of Alerts at any time without notice. You may choose to discontinue receiving Alerts by updating your SoFi App Notifications preferences.
Legal Rights & Agreement Rules · Context
Texts and emails from SoFi count as written notices; viewing them requires an SMS-capable phone
All SMS Notifications, meaning texts and emails from SoFi to you, are considered to be in writing. To access, view and keep SMS Notifications, you need an SMS-capable mobile phone, an active mobile phone account with a communication service provider, and enough storage on your phone.
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All SMS Notifications (texts and emails from us to you will be considered to be in writing.
In order to access, view, and retain SMS Notifications that we make available to you, you must have: (i) a SMS-capable mobile phone, (ii) an active mobile phone account with a communication service provider; and (iii) sufficient storage capacity on your mobile phone.
Legal Rights & Agreement Rules · Restriction or exception
Use is at your own risk and SoFi disclaims liability for any damages from use of the SoFi Site
You agree that all access to and use of the SoFi Site and of SoFi products and services is at your own risk. SoFi and all related parties state they will not be liable in any event for any damages, including direct, indirect, special, incidental or consequential damages, losses or expenses arising from or in connection with use of the SoFi Site.
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You agree that all access and use of the SoFi Site and your use of SoFi products and services is at your own risk.
In no event shall SoFi (and all related parties) be liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising or in connection with use of the SoFi Site.
Qualifications & exceptions
The exclusion is written to cover direct damages as well as indirect, special, incidental and consequential damages.
Not stated here
This section does not state any monetary cap, carve-out, or effect of laws that do not allow such exclusions.
Legal Rights & Agreement Rules · Restriction or exception
SoFi is not responsible for outages, errors, viruses, intercepted information or device incompatibility
SoFi will not be responsible if you cannot use the SoFi Site or any linked site, or for any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus, or line or system failure, even if SoFi was told such losses were possible. SoFi will not be liable in any way if an unauthorized person intercepts information, in transit or at your place of business. SoFi also has no liability for losses from compatibility or inoperability problems with the website or your device, or from your failure to confirm an attempted transaction.
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In addition, you agree:
SoFi will not be responsible if you are unable to use the SoFi Site or any linked site, or in the event of any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if SoFi, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
SoFi will not be responsible or liable to you in any way if information is intercepted by an unauthorized person, either in transit or at your place of business.
SoFi shall have no liability to you for any losses, financial or otherwise, suffered by you arising out of or resulting from compatibility or inoperability problems of the website, your computer device, or your failure to confirm any attempted transaction.
Legal Rights & Agreement Rules · Restriction or exception
You must cover SoFi's losses and legal fees from claims tied to your use, breaches or violations
You must indemnify, defend and hold harmless SoFi and its affiliates, partners, suppliers and licensors, and their officers, directors, agents and employees, against any claim, proceeding, loss, damage, fine, penalty, interest and expense, including attorneys' and other professional fees, arising from: your access to or use of the SoFi Site or App; your breach of the License to use the SoFi Site and App; your violation of law in connection with the License; your negligence or willful misconduct in connection with the License; or your violation of a third party's rights, including intellectual property infringement or misappropriation of trade secrets. These obligations survive termination of this Agreement or the App License.
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You shall indemnify, defend and hold harmless SoFi and its affiliates, partners, suppliers and licensors, and each of their respective officers, directors, agents and employees (the “Indemnified Parties”) from and against any claim, proceeding, loss, damage, fine, penalty, interest and expense (including, without limitation, fees for attorneys and other professional advisors) arising out of or in connection with the following:
(i) your access to or use of the SoFi Site or App; (ii) your breach of the License to use the SoFi Site and App; (iii) your violation of law in connection with this License; (iv) your negligence or willful misconduct in connection with this License; or (v) your violation of the rights of a third party, including the infringement by you of any intellectual property or misappropriation of any proprietary right or trade secret of any person or entity.
These obligations will survive any termination of this Agreement or the App License.
Qualifications & exceptions
The first trigger covers any access to or use of the SoFi Site or App, not only misconduct.
The obligations survive termination.
Not stated here
"License" and "App License" are not defined in this section; the SoFi App license appears in the product-specific terms.
Legal Rights & Agreement Rules · Context
California law governs, and disputes go exclusively to courts in San Francisco County
These Terms of Use and the License are governed by California substantive law, without regard to its conflict-of-laws rules. You agree to the personal and exclusive jurisdiction and venue of the state and federal courts in San Francisco County, California.
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These Terms of Use and the License shall be governed in all respects by the substantive laws of the State of California, without regard to its provisions relating to conflict of laws. You agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within San Francisco County, California.
Not stated here
A separate Arbitration Agreement is referenced in the E-Sign term but not supplied; how it relates to this court venue is not stated in this source.
Legal Rights & Agreement Rules · Restriction or exception
Any claim about the Site, App or these Terms must be filed within one year or it is barred
Regardless of any statute, regulation or law to the contrary, any claim or cause of action you may have arising from or related to use of the SoFi Site, the SoFi App or these Terms of Use must be filed within one year after it arose, or it is forever barred.
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You agree that regardless of any statute, regulation, or law to the contrary, any claim or cause of action you may have arising out of or related to use of the SoFi Site, the SoFi App, or these Terms of Use must be filed within one (1) year after such claim or cause of action arose or be forever barred.
Qualifications & exceptions
The one-year limit is stated to apply regardless of any contrary statute, regulation or law.
Legal Rights & Agreement Rules · Context
SoFi keeps its rights even if it does not enforce them, and invalid terms do not void the rest
SoFi's failure to exercise or enforce a right or provision of the Terms of Use is not a waiver of it. If a court finds a provision of the Terms of Use or the License invalid, the court should try to give effect to the parties' intentions in that provision, and the other provisions stay in full force.
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The failure of SoFi to exercise or enforce any right or provision of the Terms of Use shall not constitute a waiver of such right or provision.
If any provision of the Terms of Use or the License is found by a court of competent jurisdiction to be invalid, the parties nevertheless agree that the court should endeavor to give effect to the parties’ intentions as reflected in the provision, and the other provisions of the Terms of Use or the License remain in full force and effect.
Legal Rights & Agreement Rules · Restriction or exception
SoFi gives no warranty on Site information, and its calculators show only estimates
SoFi does not warrant the accuracy, adequacy or completeness of information on the SoFi Site and disclaims liability for errors or omissions in it. No warranty of any kind, whether implied, express or statutory, is given with the information, including warranties of non-infringement, title, merchantability, fitness for a particular purpose and freedom from computer viruses. Calculators and tools on the Site give estimates that may differ from actual amounts.
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SoFi does not warrant the accuracy, adequacy or completeness of the information provided on the SoFi Site and expressly disclaims liability for any errors or omissions in such information.
No warranty of any kind, implied, expressed or statutory including but not limited to the warranties of non-infringement of third party rights, title, merchantability, fitness for a particular purpose and freedom from computer virus, is given in conjunction with the information.
Calculators and tools on the SoFi Site provide you with ESTIMATES that may be different than actual amounts.
Legal Rights & Agreement Rules · Context
Product-specific terms apply on top of the General Terms when you use those services
This Agreement includes both the General Terms and Conditions and the product-specific terms that follow. If you use any of the listed services, its specific terms apply to you in addition to the General Terms.
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This Terms of Use Agreement includes both the General Terms and Conditions above and additional product specific Terms and Conditions below. If you use any of the following Services, the terms below apply to you in addition to the General Terms and Conditions above:
Qualifications & exceptions
Product terms apply only if you use the listed service.
Legal Rights & Agreement Rules · Context
SoFi pulls linked-account data as your agent and does not warrant that it is accurate
If you connect an external account, SoFi connects to it and obtains information at your direction and as your agent. SoFi does not warrant that information obtained from the external account is accurate, complete or non-infringing.
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If you elect to connect an external account to SoFi, SoFi will connect to the account and obtain information at your direction and as your agent. SoFi does not warrant that the information obtained from the external account is accurate, complete, or non-infringing.
Legal Rights & Agreement Rules · Procedure
Reaching SoFi through your employer and using it means you accept the AtWork Customer Agreement
If you reach SoFi through your employer or a link on your employer's site and go on to use SoFi, you accept the AtWork Customer Agreement in addition to any other terms that apply to your use of SoFi. If you do not want to accept it, tell your employer to remove you from its list of participating employees immediately and do not use the SoFi Site. Further terms apply if you use SoFi to receive contributions from your employer.
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If you reach SoFi through your employer or a link on your employer’s site and you proceed to use SoFi, you agree to and accept this AtWork Customer Agreement in addition to any other terms and conditions or agreements applicable to use of SoFi.
If you do not wish to accept this Agreement, please inform your employer to remove you from the list of participating employees immediately and do not use the SoFi Site.
Legal Rights & Agreement Rules · Restriction or exception
You handle third-party IP claims from your App use and release SoFi from all App-related liability
If a third party claims the SoFi App infringes its intellectual property because of your use of the App, you, not SoFi or any mobile service provider or app store, are solely responsible for investigating, defending, settling and discharging the claim and any other third-party claims or harm arising from your use of or access to the App. You also release SoFi and its employees, officers, directors, affiliates, agents and licensors from any and all liability arising from your use of the App or the services, including product liability claims and claims that the App fails to meet any legal or regulatory requirement. You must promptly notify SoFi in writing of any such claim.
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d. You acknowledge and agree that, in the event of a third-party claim that the App infringes any third party’s intellectual property rights caused by or arising out of your use of the SoFi App, you (and not SoFi or any third-party mobile device service provider or app venue) shall be solely responsible for the investigation, defense, settlement and discharge of any intellectual property infringement claim or suit, any third-party claims or any other harm or damages caused by, arising out of or resulting from your use of or access to the SoFi App.
You hereby release SoFi and its employees, officers, directors, affiliates, agents and licensors from any and all liability caused by, arising out of or resulting from your use of the SoFi App or the services, including from product liability claims or any claim that the SoFi App fails to conform to any legal or regulatory requirement.
You will, however, promptly notify SoFi in writing of any such claim.
Qualifications & exceptions
The release covers any and all liability from your use of the App or the services, including product liability and regulatory non-conformity claims.
Legal Rights & Agreement Rules · Restriction or exception
You must not export the App illegally and promise you are not in an embargoed country or on a U.S. blocked list
You may not use, export or re-export the mobile App except as allowed by U.S. law and the laws where you obtained it. You represent that you are not located in a country under a U.S. Government embargo or designated a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties, such as the Treasury Department's Specially Designated Nationals list or the Commerce Department's Denied Persons or Entity Lists. You also agree not to use the App for any purpose U.S. law prohibits.
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You may not use or otherwise export or re-export the mobile Application except as authorized by United States law and the laws of the jurisdiction(s) in which the Application was obtained.
You represent and warrant that you are not: (i) located in any country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a “terrorist supporting” country, or (ii) listed on any U.S. Government list of prohibited or restricted parties including the Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List.
You also agree that you will not use the Application for any purposes prohibited by United States law.
Legal Rights & Agreement Rules · Restriction or exception
Before texting a referral link to someone in Washington State, you must get their express consent
By clicking "Share Link" and sharing your referral link by text message, you agree that before texting it to any contact in Washington State you have obtained that person's express consent to receive promotional messages about SoFi's products and services. This is one of the conduct and content standards you accept by participating.
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By participating in the Referral Program, you agree to the following conduct and content standards:
By clicking “Share Link” and sharing your referral link via text message, you agree that before texting your referral link to any contact in Washington State, you have obtained that Referee’s express consent to receive promotional messages about SoFi’s products and services.
Legal Rights & Agreement Rules · Restriction or exception
Referrers must disclose their compensation and make only truthful, qualified, non-guaranteed claims
In any referral communication you must clearly and conspicuously disclose your material connection to SoFi, including the specific benefit or compensation you will receive. Statements about your experience must be truthful, accurate and based on your actual personal use. If you mention specific results such as savings or earnings, you must say they are not guaranteed or representative of all experiences. You may not guarantee outcomes of using, or approval for, any SoFi product or service.
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You will clearly and conspicuously disclose your material connection to SoFi in any referral communication. This includes stating the specific benefit or compensation you will receive.
Any statements made regarding your experience with SoFi must be truthful, accurate, and based on your actual personal use of the product. If you mention specific results, such as savings or earnings, you must qualify that such results are not guaranteed nor representative of all experiences. You are strictly prohibited from making guarantees regarding the outcomes of use, or the approval of, any SoFi product or service.
Legal Rights & Agreement Rules · Restriction or exception
Referrers may not mass-email links or quote rates, APYs or fees, and must point people to SoFi's pages
You agree not to distribute a referral link or solicit anyone through mass email. You must use only current, accurate facts as stated on SoFi's official webpages, and you may not discuss or summarize specific interest rates, APYs, fees or promotional fine print because they change; instead, direct potential referees to SoFi's official webpages for current rate and fee information.
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You agree not to distribute a Referral Link or otherwise solicit anyone through mass email.
You agree to use only current, accurate facts as stated on SoFi’s official webpages. You are prohibited from discussing or summarizing specific interest rates, APYs, fees, or promotional fine print, as these are subject to change. Instead, you must direct all potential Referees to SoFi’s official webpages for current rate and fee information.
Legal Rights & Agreement Rules · Restriction or exception
Referrers may not make unsubstantiated claims or use SoFi branding, and must tag social posts as ads
You may not make any claim SoFi itself could not legally substantiate, such as "guaranteed approval" or "best rates available". You may not use SoFi's logo, trademarks or other brand creative in the Referral Program unless SoFi provided those assets directly for that referral promotion. If you share a referral link on social media, you must follow the platform's advertising and disclosure rules, including any required "Paid Partnership" or "Ad" tags.
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You shall not make any claims that SoFi itself could not legally substantiate, including but not limited to “guaranteed approval,” “best rates available,” or similar claims.
You will not use SoFi’s logo, trademarks, or any other brand creative in connection with the Referral Program unless those assets were provided directly by SoFi for the express purpose of this referral promotion.
If sharing a referral link via social media, you agree to comply with all relevant advertising and disclosure rules of the respective platform(s), including the use of any required “Paid Partnership” or “Ad” tags.
Qualifications & exceptions
Brand assets may be used only if SoFi provided them directly for the referral promotion.
Legal Rights & Agreement Rules · Restriction or exception
Referrers may not pay or be paid by applicants, collect their information, or help with applications
Except as these terms allow, you agree not to compensate, or accept compensation from, applicants you refer. Your activities must be limited to referring potential customers so they can decide independently whether to apply. You may not collect information from referred people, help fill out an application, or discuss specific product terms.
Supporting quotations
Non-Solicitation Agreement
Other than as set forth herein, you agree not to compensate or accept any compensation from applicants whom you refer to SoFi through any of the corresponding Referral Programs described above. You further agree that your activities will be limited to referring potential customers as described above, so they may independently decide whether to apply. You may not collect information from eligible recipients under any Referral Program, assist with filling out an application, or discuss specific product terms.
Legal Rights & Agreement Rules · Restriction or exception
Spam, bought search terms, impersonating SoFi or fraud end your referral participation without payment
You must follow all applicable laws in soliciting referrals, and you may not purchase internet search terms. Distributing a program link in a way that could be unsolicited commercial email ("spam"), content that impersonates or implies affiliation with or endorsement by SoFi or a subsidiary, other violations of SoFi's terms, or actions SoFi determines in its sole discretion to be fraudulent are prohibited and are grounds for immediate termination from a Referral Program. SoFi will not pay for referrals generated by these means.
Supporting quotations
No Spam
You must comply with all applicable laws and regulations in soliciting referrals. Eligible referrers may not purchase internet search terms.
Further, any distribution of a program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by SoFi or any SoFi subsidiary, or any actions which otherwise violate any terms or conditions imposed by SoFi, or that SoFi determines in its sole discretion to be fraudulent in nature, are prohibited and will be grounds for immediate termination from a Referral Program.
We will not honor referral payments for referrals which are generated using any of the foregoing means.
Legal Rights & Agreement Rules · Context
The referral Official Rules override a specific campaign's terms if they conflict
If any term of these Official Rules conflicts with a term of a specific promotional campaign tied to a unique referral link, the Official Rules govern.
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Conflict
In the event any of the terms of these Official Rules conflicts with any terms in a specific promotional campaign associated with a unique referral link, the terms of these Official Rules shall govern.
Legal Rights & Agreement Rules · Context
Program Terms govern how points are earned; a promotion's own terms govern how they are redeemed for it
As a participant you can redeem points under any current promotional offer on the "Redeem" page. Those offers may have their own eligibility requirements or conditions, and their terms govern your ability to redeem points for them and may differ from terms for other customers. If the Program Terms conflict with a promotion's separate terms, the Program Terms govern how points are earned and the promotion's terms govern how points are redeemed for that offer.
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As a participant in the Program, you are eligible to redeem rewards points in accordance with the terms of any current promotional offer listed on the “Redeem” page.
Please note that the terms of any promotional offer listed on the “Redeem” page may contain separate eligibility requirements or conditions to receive that promotional offer. The terms of the specific promotional offers listed on your “Redeem” page will govern your ability to redeem rewards points for those promotional offers and may differ from the terms for other customers.
To the extent these Program Terms conflict with any of the separate terms for a promotional offer, the Program Terms shall govern how rewards points are earned and the specific promotional terms will govern how rewards points are redeemed for the offer.
Legal Rights & Agreement Rules · Restriction or exception
Rewards members must cover SoFi's costs from third-party claims over rule breaches, fraud or joint-holder disputes
You must defend, indemnify and hold harmless Social Finance, LLC, its affiliates and their employees, contractors, directors, suppliers and representatives from all damages, losses, costs and expenses, including attorneys' fees and settlement amounts, resulting from any third-party claim, wherever and whenever filed, arising from your violation of the Program Terms, fraud or misuse in your participation, your violation of any applicable law, or any Program-related dispute with an authorized user or joint account holder on one of your accounts. SoFi may take over the exclusive defense and control of any such matter, and you must then assist and cooperate with SoFi.
Supporting quotations
INDEMNIFICATION
You shall defend, indemnify, and hold harmless Social Finance, LLC, its affiliates, and each of its and its affiliates’ respective employees, contractors, directors, suppliers, and representatives from all damages, losses, costs and expenses of whatever kind, including attorneys’ fees and any sums paid under any settlement incurred or suffered as a result of any claim, demand, action, or suit by any third party, whenever and wherever filed, arising out of or relating to (i) your violation of any of these Program Terms, (ii) any fraud or misuse associated with your participation in this Program, (iii) your violation of any applicable law, and (iv) any dispute you may have in connection with this Program with an authorized user or joint account holder on one of your accounts.
SoFi reserves the right to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you will assist and cooperate with SoFi in asserting any available defenses.
Legal Rights & Agreement Rules · Restriction or exception
SoFi disclaims all damages from SoFi Plus participation, to the fullest extent the law allows
SoFi and its directors, employees, affiliates, agents, partners and suppliers will not be liable to you for any direct, indirect, incidental, special, punitive or consequential damages, including loss of income, profits, business or opportunity, resulting from your participation in the SoFi Plus Benefits Program. This applies whatever the legal theory (warranty, contract, tort, property law or other) and whether or not the damages were foreseeable, to the fullest extent permitted by law in the applicable jurisdiction.
Supporting quotations
LIMITATION OF LIABILITY
IN NO EVENT SHALL SOFI, NOR ITS DIRECTORS, EMPLOYEES, AFFILIATES, AGENTS, PARTNERS, OR SUPPLIERS, BE LIABLE TO YOU FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING ANY LOSS OF INCOME, PROFITS, BUSINESS OR OPPORTUNITY, RESULTING FROM YOUR PARTICIPATION IN THIS SOFI PLUS BENEFITS PROGRAM.
THIS LIMITATION OF LIABILITY SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW IN THE APPLICABLE JURISDICTION.
Qualifications & exceptions
Applies to the fullest extent permitted by law in the applicable jurisdiction.
Legal Rights & Agreement Rules · Context
Partner perks are provided by the partner, not SoFi, under the partner's terms and can end without notice
SoFi Plus partner benefits such as ClassPass, Vivid Seats and TurboTax are provided and fulfilled by the partner, not by SoFi or its affiliates, and are subject to the partner's own terms of service. Amounts are in U.S. dollars and subject to taxes and fees, offers have limited availability, and the partner and SoFi may modify or cancel each offer at any time, in most cases stated as without notice.
Supporting quotations
All rewards and amounts referenced in this offer are in U.S. dollars unless otherwise specified. Subject to applicable taxes and fees. Offers are subject to limited availability and may be discontinued at any time. ClassPass and SoFi reserve the right to modify or cancel this offer at any time without notice. This SoFi member benefit is provided and fulfilled by ClassPass, not by SoFi or its affiliates.
Vivid Seats and SoFi reserve the right to modify or cancel this offer at any time. This SoFi Plus member benefit is provided and fulfilled by Vivid Seats, not by SoFi or its affiliates.
TurboTax and SoFi reserve the right to modify or cancel this offer at any time without notice. This SoFi member benefit is provided and fulfilled by TurboTax, not by SoFi or its affiliates.
Not stated here
The partners' terms of service are linked but not supplied.
Legal Rights & Agreement Rules · Context
The Seated dining credit is provided by Seated, not SoFi, and can be changed or canceled without notice
The Seated benefit is provided and fulfilled by Seated, not by SoFi or its affiliates, and is subject to Seated's Terms of Service. Amounts are in U.S. dollars and subject to taxes and fees, availability is limited, and Seated and SoFi may modify or cancel the offer at any time without notice.
Supporting quotations
All rewards and amounts referenced in this offer are in U.S. dollars unless otherwise specified. Subject to applicable taxes and fees. Offers are subject to limited availability and may be discontinued at any time. Seated and SoFi reserve the right to modify or cancel this offer at any time without notice. This SoFi member benefit is provided and fulfilled by Seated, not by SoFi or its affiliates.
Not stated here
Seated's Terms of Service are linked but not supplied.
Legal Rights & Agreement Rules · Restriction or exception
Insurance sold through SoFi is the carrier's product; SoFi gives no warranty and takes no liability for it
All insurance products quoted, offered or sold through SoFi are products of insurance carriers, not SoFi. SoFi makes no representations or warranties about them and accepts no liability in connection with them. The products are governed by the carrier's terms, and questions, concerns or disputes about them should go to the carrier. Products are not available in all states.
Supporting quotations
All insurance products quoted, offered, or sold through SoFi are products offered by insurance carriers, NOT SoFi. SoFi makes no representations or warranties with respect to such insurance products. SoFi accepts no liability in connection with such products. All insurance products are provided to you pursuant to the terms and conditions of the insurance carrier providing the products. All questions, concerns or disputes with any such products should be raised to the insurance carrier providing such products. Not available in all states.