The Site promotes other companies' products, often for a fee, without endorsing them
The SoFi Site may contain promotions for other companies' products and services, and in many cases those companies pay SoFi marketing fees. SoFi says such promotions are an introduction, not an endorsement of the other company's products or services, and it disclaims any liability for products offered by any other company.
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The SoFi Site may contain promotions for products and services of other companies. In many cases these companies pay marketing fees to SoFi.
SoFi’s promotions of other companies’ products is an introduction for you and is not an endorsement of any other company’s services or products. SoFi disclaims any liability for any products offered by any other company.
Sharing & Disclosure · Context
Linked external sites have their own terms and privacy practices that you must review
External sites linked from the SoFi Site often have terms of use, privacy policies and security practices that differ from SoFi's. It is your responsibility to read and understand them before agreeing to use the external site.
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External sites with links on SoFi’s Site often have Terms of Use, Privacy Policies, and security practices that are different from those of SoFi. It is your responsibility to read and understand those documents before agreeing to use the external site.
Sharing & Disclosure · Permission or license
SoFi may use linked-account data for marketing, eligibility checks and sharing with affiliates
If you connect an account through any SoFi service, SoFi may use the information from it for any purpose its Privacy Policies permit, including identifying products and services that may interest you, sharing information with affiliated companies to offer you products and services, and identifying whether you would likely be eligible for certain products and services.
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If you elect to connect an account through any SoFi service, SoFi may use the information from the connected account for any purpose permitted by SoFi’s Privacy Policies, including use of the information to identify products and services that may be of interest to you, sharing information with affiliated companies to offer products and services to you, and identifying if you would be likely to be eligible for certain products and services.
Qualifications & exceptions
Use is limited to purposes permitted by SoFi's Privacy Policies, which are not supplied.
Not stated here
The Privacy Policies that define the permitted purposes are not supplied.
Sharing & Disclosure · Permission or license
Connecting accounts runs through Plaid or another aggregator, whose own privacy policy governs its data use
To connect an account, SoFi requires (in one passage) or may require (in the next) you to use a data aggregator service such as Plaid Inc. By using it you agree that the aggregator's privacy policy, such as Plaid's, governs its use of information it collects about you or that you give it, and one passage says you expressly agree to the terms of Plaid's Privacy Policy. You expressly grant the aggregator the right, power and authority to access and transmit your information as reasonably necessary to provide the services to you.
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To connect an account, SoFi requires you to use a service offered by Plaid Inc. (“Plaid”).
and you expressly agree to the terms and conditions of Plaid’s Privacy Policy. Further, you expressly grant Plaid the right, power, and authority to access and transmit your information as reasonably necessary for Plaid to provide the Services to you.
To connect an account , SoFi may require you to use a service offered by a data aggregator, such as Plaid Inc. (“Plaid”).
will govern the aggregator’s use of information it collects about you or that you provide to the aggregator. You expressly grant to the aggregator (such as Plaid) the right, power, and authority to access and transmit your information as reasonably necessary to provide the selected services to you.
Qualifications & exceptions
The aggregator's access is limited to what is reasonably necessary to provide the services.
The two passages differ: one says SoFi requires Plaid, the other says SoFi may require a data aggregator such as Plaid.
Not stated here
Plaid's Privacy Policy is linked but not supplied.
Sharing & Disclosure · Permission or license
SoFi exchanges information about you and your loan payments with your employer
You authorize SoFi to receive information about you from your employer as needed for you to take part in the employer's program. You also authorize SoFi to give your employer information about you and your loan, including the amount and timing of your loan payments, so your employer can deliver contributions to the account you designated.
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You authorize SoFi to receive information about you from your employer as necessary in order to facilitate your participation in the employer’s program. You authorize SoFi to deliver to your employer information about you and your loan, including the amount and timing of your loan payments, so that your employer may deliver contributions to the account you have designated.
Qualifications & exceptions
Receipt from the employer is limited to what is necessary to facilitate your participation; disclosure to the employer is so it can deliver contributions.
Sharing & Disclosure · Company commitment
SoFi never tells referrers about a referred person's account or eligibility
To protect the privacy of the people you refer, their account information or eligibility is never shared with you as the Referrer, under any circumstances.
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To protect the privacy of those you refer, referral prospect account information or eligibility is not, under any circumstances, permitted to be shared with the Referrer.
Cross-references
contrast (model-proposed): Joining the Loan Referral Program waives privacy enough that each side may learn of a SoFi Bank account — contrast: The Official Rules say a referred person's account information or eligibility is never shared with the referrer, while the Loan Referral Program says participation is a one-time limited privacy waiver by which each party may become aware that an account relationship with SoFi Bank exists. The loan program still bars disclosure of funded-loan information; reviewed as a tension in scope.
Sharing & Disclosure · Context
Joining the Loan Referral Program waives privacy enough that each side may learn of a SoFi Bank account
A referred person may not be sent an email if they already have a SoFi loan account, are on SoFi's or the national email opt-out list, or already used another referrer's link. SoFi cannot tell you anything about funded loans opened by people you refer. Even so, taking part in the Loan Referral Program is a one-time limited waiver of privacy rights by both parties, through which each may become aware that the other has an account relationship with SoFi Bank.
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If the Eligible Loan Recipient already has a SoFi loan account, is on our opt-out list or the national email opt-out list, or has already used another Eligible Loan Referrer’s unique referral link, the Eligible Loan Recipient may not be sent an email.
We cannot disclose to you any information about funded loans opened by any Eligible Loan Recipients you refer to us.
Participation in the Loan Referral Program serves as a one-time limited waiver of privacy rights by both parties, whereby each may become aware of the presence of an account relationship with SoFi Bank.
Qualifications & exceptions
The waiver is described as one-time and limited to learning that an account relationship exists.