SoFi Terms of Use

Legal Rights & Agreement Rules · Context

The Agreement covers access to SoFi's online functions, products and services

This Terms of Use Agreement sets the terms for your access to and use of the online functions, products and services made available by Social Finance, LLC and its subsidiaries and affiliates. It is dated "Last Updated: September 17, 2026".

Supporting quotations

Last Updated: September 17, 2026

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

Qualifications & exceptions

• Applies to online functions, products and services made available by Social Finance, LLC and its subsidiaries and affiliates.

Not stated here

• The text does not say which individual products are covered beyond the general description and the specific-terms list that follows.

Legal Rights & Agreement Rules · Context

"SoFi Site" means the website, the app and any phone, email or other channel

The Agreement defines the "SoFi Site" broadly. It includes the SoFi website (www.sofi.com), the SoFi mobile application, and any phone, email and additional websites SoFi may offer for accessing SoFi products and services. Later provisions that refer to the "SoFi Site" therefore reach all of these channels, not only the website.

Supporting quotations

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

• Phone, email and additional websites count only where SoFi offers them to access SoFi products and services.

Legal Rights & Agreement Rules · Context

"SoFi" means every company affiliated with Social Finance, LLC, and new ones may be added

The products and services reachable through the SoFi Site are offered by Social Finance, LLC and its affiliated companies, with the Agreement naming 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 list is introduced with "including but not limited to", and "SoFi" is used to refer to any and all affiliated companies. SoFi says it may add new operating companies from time to time, and that more information on each company is on the Legal page of the SoFi Site.

Supporting quotations

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 named companies are examples ("including but not limited to"), not a closed list.
• SoFi may add new operating companies from time to time to offer additional products and services.

Not stated here

• The Legal page that gives more information about each SoFi company was not supplied with this document.

Legal Rights & Agreement Rules · User right or choice

Using SoFi requires agreeing to the E-Sign Agreement, which makes your acceptances binding electronically

To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi's E-Sign Agreement. That agreement means that your acceptance of this Terms of Use Agreement and of all other agreements with SoFi, such as the GLBA Privacy Notice and the Arbitration Agreement, is effective and binding on you just as if you had signed with pen and ink, and that you agree all communication with you related to SoFi and any SoFi product or service may be in electronic form.

Supporting quotations

To use the SoFi Site and to obtain any SoFi product or service, you must agree to SoFi’s

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

• The E-Sign requirement applies to using the SoFi Site and to obtaining any SoFi product or service.
• Electronic communication is agreed for communication "related to SoFi and any SoFi product or service".

Not stated here

• The E-Sign Agreement, the GLBA Privacy Notice and the Arbitration Agreement are linked but were not supplied with this document, so their terms are not described here.

Legal Rights & Agreement Rules · Restriction or exception

You accept the Agreement by using the SoFi Site or taking the listed steps

Acceptance of this Agreement is required to use the SoFi Site and to obtain any product or service offered on it. By using the SoFi Site to obtain any SoFi product or service you agree to be bound as if you had signed. SoFi lists the actions that mean you agree: accessing or using the SoFi website or mobile application, clicking "accept" to register, or submitting any account application, loan inquiry, loan request or other product request. If you do not wish to be bound, the Agreement tells you not to do any of those things.

Supporting quotations

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.

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.

Qualifications & exceptions

• Agreement is shown by accessing or using the SoFi website or mobile application, clicking "accept" to register, or submitting an application, inquiry or request.
• The sentence on obtaining a product or service conditions being bound on using the SoFi Site to obtain it.

Legal Rights & Agreement Rules · Context

General Terms apply to all users, plus specific terms for products you use

The Agreement contains General Terms applicable to all users, plus sections with terms that apply if you use specific SoFi products and services. The table of contents has two parts: I. General Terms and II. Specific Additional Terms and Conditions. If you use any of the listed products or services, the terms for each apply to you. The list names 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, and SoFi Insurance Agency Services (Protect).

Supporting quotations

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

If you use ANY of the following SoFi products or services, please read the terms applicable to each — these terms apply to you.

At Work Services (If you reach SoFi through your Employer)

Qualifications & exceptions

• Product-specific terms apply to you only if you use that product or service (At Work Services: if you reach SoFi through your employer).

Not stated here

• This table of contents names the listed products; this section does not say how conflicts between General Terms and specific terms are resolved.

Legal Rights & Agreement Rules · Company practice

SoFi can change the Agreement by posting a new version, without notice to you

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. The Agreement tells you to review the current version on the SoFi Site from time to time, because continuing to access or use the SoFi Site is deemed acceptance of the Terms of Use in place at that time.

Supporting quotations

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 notice is delivered to you; the change is made by posting the current version on the SoFi website.
• Acceptance is deemed from your continued access or use of the SoFi Site.

Not stated here

• The text does not say how far in advance a change is posted or when it takes effect.

Legal Rights & Agreement Rules · Context

Some products need separate agreements, and you are bound by those and this Agreement

To obtain certain SoFi products and services you might be required to enter into additional agreements with SoFi. The Agreement gives the example that using SoFi Wealth's investment advisory services requires an additional customer agreement. You are subject to this Terms of Use Agreement and any other agreements you enter with SoFi.

Supporting quotations

To obtain certain SoFi products and services you might be required to enter into additional agreements with SoFi.

You will be subject to this Terms of Use Agreement and any other agreements you enter with SoFi.

Qualifications & exceptions

• Additional agreements are required only for certain products and services.

Not stated here

• The additional agreements are not supplied with this document, and the text does not say which agreement controls if they conflict.

Legal Rights & Agreement Rules · Restriction or exception

You accept the risk that technical problems affect your access or transactions

The Agreement says conducting financial transactions through online services such as SoFi has inherent risks, and that by using the SoFi Site and online services you agree to and accept the listed risks. One is that online transmission can be disrupted: you accept the risk that the SoFi Site could be affected by technical difficulties that impair your ability to obtain, view or deliver information or execute a transaction, including time-sensitive transactions such as securities trades, payments or cash management.

Supporting quotations

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.

Qualifications & exceptions

• Applies to technical difficulties that impair obtaining, viewing or delivering information or executing a transaction.
• Time-sensitive transactions such as securities trades, payments or cash management are named as included.

Legal Rights & Agreement Rules · Restriction or exception

Alerts may be delayed or unencrypted, SoFi is not liable for their failures, and it can end Alerts at any time

You may choose for SoFi to send messages called Alerts by text or phone. Alerts may be delayed or prevented by factors affecting your internet or phone provider or other relevant entities. SoFi is not liable for losses or damages arising from non-delivery, delayed delivery or erroneous delivery of any Alert, or inaccurate Alert content, and you are responsible for your use of or reliance on Alert contents. Alerts may not be encrypted and may include your name and information about your accounts. SoFi may terminate your use of Alerts at any time without notice, and you may stop receiving Alerts by updating your SoFi App Notifications preferences.

Supporting quotations

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.

Each Alert may not be encrypted and may include your name and information pertaining to your account(s).

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.

Qualifications & exceptions

• Alerts are sent by text or phone when you select them.
• The liability exclusion covers non-delivery, delayed or erroneous delivery and inaccurate content.

Legal Rights & Agreement Rules · Restriction or exception

Texts and emails count as written notice, and you need an SMS-capable phone to receive them

The Agreement states that SMS Notifications (texts and emails from SoFi to you) are considered to be in writing. To access, view and retain SMS Notifications that SoFi makes available, you must have an SMS-capable mobile phone, an active mobile phone account with a communication service provider and sufficient storage capacity on your mobile phone.

Supporting quotations

All SMS Notifications (texts and emails from us to you will be considered to be in writing.

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.

Qualifications & exceptions

• All three equipment conditions must be met: an SMS-capable phone, an active phone account and sufficient storage.

Legal Rights & Agreement Rules · Restriction or exception

You are responsible for your own financial decisions, and SoFi does not assess what is suitable for you

You are responsible for all financial decisions you make on the SoFi Site or based on information you obtain there. SoFi's products and services are offered on the express condition that you will fully evaluate your own financial circumstances and the terms of the products and services. If you want financial guidance or advice you may enter an advisory relationship with a financial advisor, including SoFi Wealth, LLC. Unless you have entered into an advisory agreement with SoFi Wealth, you agree that SoFi has NOT reviewed your financial situation, does not attempt to understand your full financial situation and will not attempt to select offers, products or services suitable for you, that you must decide whether SoFi products are right for you, and that before making financial decisions you should consider getting advice from a certified financial advisor who is aware of your individual circumstances.

Supporting quotations

You are responsible for all financial decisions you make on the SoFi Site or based upon information you obtain on the SoFi Site.

Unless you have entered into an advisory agreement with SoFi Wealth, you agree that:

SoFi has NOT reviewed your financial situation, SoFi does not attempt to understand your full financial situation, and SoFi will not attempt to select offers, products, or services that are suitable for you.

You must make decisions about whether SoFi products are right for you.

Before making any financial decisions, you should always consider obtaining information and advice from a certified financial advisor who is aware of your individual circumstances.

Qualifications & exceptions

• The statements about SoFi not reviewing your finances or selecting suitable products apply unless you have entered into an advisory agreement with SoFi Wealth, LLC.

Legal Rights & Agreement Rules · Restriction or exception

SoFi limits its liability for use of the SoFi Site, outages, intercepted data and compatibility problems

You agree that all access and use of the SoFi Site and of SoFi products and services is at your own risk. The Agreement says that in no event shall SoFi (and all related parties) be liable for any damages, including direct, indirect, special, incidental or consequential damages, losses or expenses arising in connection with use of the SoFi Site. It adds that SoFi is not responsible if you cannot use the SoFi Site or any linked site, or for any failure of performance, error, omission, interruption, defect, delay, computer virus or line or system failure, even if advised of the possibility of such damages. SoFi is also not responsible or liable if information is intercepted by an unauthorized person in transit or at your place of business, and has no liability for losses from compatibility or inoperability problems of the website or your device, or from your failure to confirm any attempted transaction.

Supporting quotations

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.

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.

Qualifications & exceptions

• The general exclusion is stated for damages, losses or expenses arising in connection with use of the SoFi Site.
• The Agreement does not state any carve-out in these items.

Not stated here

• The text does not say whether other agreements or law limit this exclusion.

Legal Rights & Agreement Rules · Company practice

SoFi can change or discontinue the SoFi Site or its features for any reason, without notice

SoFi reserves the right to change, modify or discontinue the SoFi Site, or any features or functions on it, for any reason, at its sole discretion, without notice to you.

Supporting quotations

SoFi reserves the right to change or modify or discontinue the SoFi Site, or any features or functions on the SoFi Site, for any reason, at our sole discretion, without notice to you.

Qualifications & exceptions

• Applies to the SoFi Site and to any of its features or functions.

Legal Rights & Agreement Rules · Restriction or exception

External sites linked from SoFi have their own terms and security practices, and reading them is your responsibility

External sites that SoFi's Site links to often have Terms of Use, Privacy Policies and security practices different from SoFi's. The Agreement makes it your responsibility to read and understand those documents before agreeing to use the external site.

Supporting quotations

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.

Qualifications & exceptions

• The difference is stated as "often", not for every external site.

Legal Rights & Agreement Rules · Restriction or exception

You must indemnify and defend SoFi, its affiliates and related parties for claims arising from listed conduct

You shall indemnify, defend and hold harmless SoFi and its affiliates, partners, suppliers and licensors, and each of their officers, directors, agents and employees, from any claim, proceeding, loss, damage, fine, penalty, interest and expense, including fees for attorneys and other professional advisors, arising out of or in connection with: (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 the License; (iv) your negligence or willful misconduct in connection with the License; or (v) your violation of a third party's rights, including infringement of intellectual property or misappropriation of proprietary rights or trade secrets. These obligations survive any termination of the Agreement or the App License.

Supporting quotations

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

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

These obligations will survive any termination of this Agreement or the App License.

Qualifications & exceptions

• Item (i) covers your access to or use of the SoFi Site or App generally.
• The obligations survive termination of the Agreement or the App License.

Not stated here

• The text uses "the License" and "the App License" without a definition in this passage.

Legal Rights & Agreement Rules · Restriction or exception

California law governs, and you submit to exclusive courts in San Francisco County

These Terms of Use and the License are governed in all respects by the substantive laws of the State of California, without regard to conflict-of-laws provisions. You agree to submit to the personal and exclusive jurisdiction and venue of the state and federal courts located within San Francisco County, California.

Supporting quotations

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.

Qualifications & exceptions

• The court venue is described as exclusive, in San Francisco County, California.

Not stated here

• The Arbitration Agreement referred to in the introduction was not supplied, and this passage does not say how the court venue relates to it.

Legal Rights & Agreement Rules · Restriction or exception

Claims arising from your use of the SoFi Site or App must be filed within one year

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 year after it arose or be forever barred.

Supporting quotations

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 period runs from when the claim or cause of action arose.
• The text says it applies regardless of any statute, regulation or law to the contrary.

Not stated here

• The text does not say whether a different forum or agreement changes this period.

Legal Rights & Agreement Rules · Context

Non-enforcement is not a waiver, and an invalid provision is read to give effect to the parties' intent

The failure of SoFi to exercise or enforce any right or provision of the Terms of Use does not constitute a waiver of it. If a court of competent jurisdiction finds a provision of the Terms of Use or the License invalid, the parties agree the court should endeavor to give effect to the parties' intentions as reflected in the provision, and the other provisions remain in full force and effect.

Supporting quotations

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 calculators give estimates that may differ from actual amounts

SoFi does not warrant the accuracy, adequacy or completeness of the information on the SoFi Site and expressly disclaims liability for errors or omissions in it. No warranty of any kind, implied, expressed or statutory, including 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 ESTIMATES that may be different from actual amounts.

Supporting quotations

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.

Qualifications & exceptions

• The warranty disclaimer is stated for the information on the SoFi Site and in conjunction with that information.
• The list of disclaimed warranties is introduced with "including but not limited to".

Legal Rights & Agreement Rules · Context

Product-specific terms apply in addition to the General Terms if you use that service

The Terms of Use Agreement includes both the General Terms and additional product-specific terms. If you use any of the listed Services, the product terms apply to you in addition to the General Terms.

Supporting quotations

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 relevant Service, and in addition to the General Terms.

Legal Rights & Agreement Rules · Restriction or exception

SoFi does not monitor your credit report for you; the score is from one agency and for your own education

SoFi's service includes presenting your credit score and other elements of your credit report to you, but SoFi does NOT undertake any responsibility to monitor your credit report for activity, identity theft or other actions; the service enables you to monitor your credit score. The score is for your own use and education, is obtained from a single credit reporting agency, and may differ from the credit reporting information used by other institutions, lenders or creditors. Any simulations or hypothetical estimates of credit score changes are for educational purposes only and are not a guarantee of any outcome.

Supporting quotations

SoFi does NOT undertake any responsibility to monitor your credit report for activity, identify theft, or any other actions. SoFi’s service enables YOU to monitor your credit score.

The credit score obtained by SoFi and presented to you is for your own use and for your education.

The credit score is obtained from a single credit reporting agency and may be different from the credit reporting information used by other institutions or lenders or creditors.

If SoFi provides any simulations or hypothetical estimates of credit score changes, these are for educational purposes only and are not a guarantee of any outcome.

Qualifications & exceptions

• Monitoring responsibility stays with you; SoFi presents the score and elements of the report.
• The single-agency score may differ from information used by other institutions.

Legal Rights & Agreement Rules · User right or choice

You can get a free credit report elsewhere, and SoFi is not a credit reporting agency or credit repair company

You may obtain your own credit report without using SoFi, and the Agreement says you have the right to a free credit report from AnnualCreditReport.com or by phone. SoFi states that it is not a credit reporting agency or a credit repair company and does not and will not undertake any credit repair on your behalf. Any suggestions SoFi offers on improving credit scores, or simulations of your score based on assumptions, are for your education and consideration and are not intended to be financial advice.

Supporting quotations

You may obtain your own credit report without using SoFi. You have the right to a free credit report from the website AnnualCreditReport.com or by calling (877)322-8228.

SoFi is not a credit reporting agency or a credit repair company. SoFi does not and will not undertake any credit repair on your behalf.

such information is for your education and consideration, and is not intended to be financial advice

Qualifications & exceptions

• The not-financial-advice statement covers suggestions on improving credit scores and simulations based on assumptions.

Legal Rights & Agreement Rules · Context

Reaching SoFi through your employer means you accept the AtWork Customer Agreement in addition to other terms

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 the AtWork Customer Agreement in addition to any other terms and agreements applicable to your use of SoFi. If you do not wish to accept it, the Agreement tells you to inform your employer to remove you from the list of participating employees immediately and not to use the SoFi Site. The following terms apply if you are using SoFi to receive contributions from your employer.

Supporting quotations

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.

please inform your employer to remove you from the list of participating employees immediately and do not use the SoFi Site

Qualifications & exceptions

• Applies if you reach SoFi through your employer or a link on your employer's site and proceed to use SoFi.
• The contribution terms apply if you are using SoFi to receive contributions from your employer.

Legal Rights & Agreement Rules · Restriction or exception

SoFi states it is not a fiduciary and provides no retirement or employment benefits

The Agreement states that by making services available to you, SoFi is NOT a fiduciary to you, and that SoFi is not providing any retirement benefits or any employment benefits.

Supporting quotations

By making services available to you, SoFi is NOT a fiduciary to you. SoFi is not providing any retirement benefits or any employment benefits.

Qualifications & exceptions

• The sentence follows the At Work contribution terms and is worded generally ("making services available to you").

Not stated here

• The sentence does not say whether it is limited to the At Work program or applies to all SoFi services.

Cross-references

• contrast (model-proposed): The insurance section says "SoFi is a fiduciary for you", while an earlier section says SoFi is NOT a fiduciary — The insurance section says "SoFi is a fiduciary for you", while the At Work section says SoFi is NOT a fiduciary to you. The Agreement does not say how the two statements relate or whether the earlier one is limited to its own section. Both are quoted as written.

Legal Rights & Agreement Rules · Context

Marketplace (Lantern) shows loan information from other lenders; SoFi is a marketing venue, not a loan broker

SoFi's Marketplace Services, sometimes branded "Lantern", let users obtain information about loans and loan-related products from other financial services companies or lenders. Marketplace services are provided by SoFi Lending Corp. (SLC) or an SLC affiliate. SoFi provides a marketing service to the Participating Lenders to present information to you. SoFi states it is not involved in reviewing your information for eligibility for a loan or in any decision, is not a loan broker, is a venue for you to connect with lenders, and presents information only of lenders who agree to promote their products through SoFi.

Supporting quotations

SoFi offers users the opportunity to obtain information about loans and loan-related products from other financial services companies or lenders.

All SoFi Marketplace services are provided to you by SoFi Lending Corp. (SLC) or an SLC affiliate.

SoFi is providing a marketing service to the Participating Lenders to present information to you. SoFi is not involved in reviewing your information for eligibility for a loan or in any decision, and SoFi is not a loan broker.

we only present information of lenders who agree to promote their products through SoFi

Qualifications & exceptions

• Only lenders who agree to promote their products through SoFi are presented.
• Marketplace services are provided by SoFi Lending Corp. or an affiliate, not by every SoFi company.

Not stated here

• The Licensing page that sets out SLC's licenses was not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

Site terms also apply to the App; you pay data charges, and SoFi does not warrant App operation or compatibility

You may download the SoFi App from an app store, and all terms, agreements, limitations and disclosures that apply to your use of the SoFi Site also apply to the App. You are responsible for data access or wireless or internet charges from your mobile service provider. SoFi makes no representation or warranty that all aspects of the SoFi Site are rendered or operable on the App, and does not warrant that the App will be compatible with your mobile device. You agree that your use of the App may be affected by your wireless connection, speed or provider, and the App's functionality could become disabled during poor connections or speeds while conducting financial transactions.

Supporting quotations

All terms, agreements, limitations, and disclosures that apply to your use of the SoFi Site also apply to your use of the SoFi App. You are responsible for any data access or wireless or internet charges of your mobile device service provider.

SoFi does not make any representation or warranty that all aspects of the SoFi Site are rendered or operable on the SoFi App, and we do not warrant that the SoFi App will be compatible with your mobile device.

The functionality of the SoFi App could become disabled during times of poor connections or speeds from your wireless or internet service provider while conducting financial transactions.

Qualifications & exceptions

• The App is a SoFi Site channel under the Agreement's definition of the SoFi Site.

Legal Rights & Agreement Rules · Restriction or exception

You are solely responsible for claims from your App use and release SoFi, but must promptly notify SoFi in writing

If a third party claims the App infringes its intellectual property rights because of your use of the App, you (and not SoFi or any third-party mobile device service provider or app venue) are solely responsible for the investigation, defense, settlement and discharge of any such claim or suit, any third-party claims or any other harm or damages caused by or resulting from your use of or access to the App. You release SoFi and its employees, officers, directors, affiliates, agents and licensors from any and all liability caused by or resulting from your use of the App or the services, including product liability claims or any claim that the App fails to conform to any legal or regulatory requirement. You must promptly notify SoFi in writing of any such claim.

Supporting quotations

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 responsibility statement is tied to claims and harm caused by, arising out of or resulting from your use of or access to the App.
• You must promptly notify SoFi in writing of any such claim.

Not stated here

• The text does not say whether the release has any limits under other agreements or law.

Legal Rights & Agreement Rules · Restriction or exception

You may not rent, lease, sublicense or transfer the App, and you may not export it contrary to U.S. law

You may not rent, lease, lend, sublicense or transfer the App, the License or any rights granted; an attempted transfer in contravention is null and void. You may not use or export or re-export the mobile application except as authorized by United States law and the laws of the jurisdiction(s) where it was obtained. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated a terrorist-supporting country, and are not on any U.S. Government list of prohibited or restricted parties, including the Treasury Department's Specially Designated Nationals list or the Commerce Department's Denied Person's List or Entity List. You also agree not to use the App for purposes prohibited by United States law.

Supporting quotations

You may not rent, lease, lend, sublicense or transfer the App, this License or any of the rights granted hereunder. Any attempted transfer in contravention of this provision shall be null and void and of no force or effect.

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

Legal Rights & Agreement Rules · Context

Referral Programs run by SoFi and its affiliates require you to accept the Official Rules and each program's terms

The Referral Program terms apply to participation in the referral or account-opening promotional programs currently offered by Social Finance, LLC and its affiliates. If you, as the Referrer, wish to participate in any Referral Program, you agree to the Official Rules, which apply to all Referral Programs, and to the terms for each Referral Program described. This section carries its own "Last Updated: Jan 23, 2026" line inside an agreement otherwise dated September 17, 2026.

Supporting quotations

Last Updated: Jan 23, 2026

If you (the “Referrer”) wish to participate in any Referral Program described below, you agree to the Official Rules, which apply to all Referral Programs, and to the terms for each Referral Program Terms described below.

Qualifications & exceptions

• Applies to the Referrer who participates in a Referral Program.

Not stated here

• The Official Rules are referred to as applying to all Referral Programs; they are not supplied as a separate document here.
• The text does not say whether the January 23, 2026 date means the referral terms were not changed in the September 17, 2026 update.

Legal Rights & Agreement Rules · Restriction or exception

Referrers must disclose their SoFi connection and make truthful, qualified statements without guarantees

In any referral communication you will clearly and conspicuously disclose your material connection to SoFi, including the specific benefit or compensation you will receive. Statements about your experience with SoFi must be truthful, accurate and based on your actual personal use. If you mention specific results such as savings or earnings, you must qualify that such results are not guaranteed or representative of all experiences, and you are strictly prohibited from making guarantees about outcomes of use, or approval of, any SoFi product or service.

Supporting quotations

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 discuss specific rates, fees or promotional fine print, or make claims SoFi could not substantiate

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, since these are subject to change, and must direct all potential Referees to SoFi's official webpages for current rate and fee information. You shall not make any claims that SoFi itself could not legally substantiate, including claims such as "guaranteed approval" or "best rates available".

Supporting quotations

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.

you must direct all potential Referees to SoFi’s official webpages for current rate and fee information

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.

Qualifications & exceptions

• The ban on claims is not limited to the examples given ("including but not limited to").

Legal Rights & Agreement Rules · Restriction or exception

Spam, search-term purchases, impersonation and fraud are barred and can end participation and forfeit payments

You must comply with all applicable laws and regulations in soliciting referrals. Eligible referrers may not purchase internet search terms. Distribution of a program link that could constitute unsolicited commercial email or spam, content that impersonates or implies affiliation with or endorsement by SoFi or a SoFi subsidiary, actions that otherwise violate SoFi's terms, or actions that SoFi determines in its sole discretion to be fraudulent are prohibited and are grounds for immediate termination from a Referral Program. SoFi will not honor referral payments for referrals generated by these means.

Supporting quotations

No Spam

Eligible referrers may not purchase internet search terms.

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.

Qualifications & exceptions

• Whether an action is fraudulent in nature is SoFi's determination in its sole discretion.

Legal Rights & Agreement Rules · Restriction or exception

The Official Rules prevail over campaign terms, and SoFi may change or end the Referral Programs without notice

If any Official Rules term conflicts with a term in a specific promotional campaign tied to a unique referral link, the Official Rules govern. The Referral Programs described replace all earlier versions of SoFi referral programs. SoFi reserves the right to temporarily or permanently modify or discontinue the Referral Programs at any time, for any reason, at its sole discretion and without notice to you.

Supporting quotations

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.

The Referral Programs described herein replace all earlier versions of such SoFi referral programs. SoFi reserves the right to temporarily, or permanently modify or discontinue the Referral Programs at any time, for any reason, at our sole discretion and without notice to you.

Legal Rights & Agreement Rules · Company practice

SoFi may change or end the Member Rewards Program or limit your points at any time, with or without notice

SoFi may modify or update the Program Terms at any time, effective upon either posting at the Website or notice to you. Continued participation after a modification constitutes acceptance and agreement to be bound by the Program Terms and the Terms of Use. If you do not agree to a modification of the Program Terms or the Terms of Use, your sole remedy is to discontinue your participation in the Program. SoFi in its sole discretion may terminate the Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you. The Program replaces all earlier versions.

Supporting quotations

Changes to the SoFi Member Rewards Program

SoFi may modify or update these Program Terms at any time, and each such modification will be effective upon either posting at the Website or notice to you. Your continued participation in this Program following any such modifications constitutes your acceptance of such modifications and your agreement to be bound by these Program Terms and the Terms of Use.

your sole remedy is to discontinue your participation in the Program

SoFi in its sole discretion may terminate this Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you. The Program described herein shall replace all earlier versions of this Program.

Qualifications & exceptions

• A modification takes effect on posting at the Website or on notice to you.
• Your sole remedy for a modification you do not accept is to discontinue participation.

Legal Rights & Agreement Rules · Restriction or exception

Members must defend and indemnify SoFi against third-party claims arising from listed Program conduct

You shall 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 sums, incurred as a result of any third-party claim, demand, action or suit arising out of or relating to: (i) your violation of the Program Terms; (ii) any fraud or misuse associated with your participation; (iii) your violation of any applicable law; and (iv) any dispute you may have in connection with the 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, and you will assist and cooperate with SoFi in asserting any available defenses.

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

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.

Qualifications & exceptions

• The obligation covers third-party claims only, arising out of the four listed matters.

Legal Rights & Agreement Rules · Company practice

SoFi may change or end the SoFi Plus Benefits Program at any time, and continued participation means acceptance

SoFi may modify or update the SoFi Plus Benefits Program at any time, effective upon either posting at the Website or notice to you. Continued participation after a modification constitutes acceptance and agreement to be bound. If you do not agree to a modification, your sole remedy is to discontinue participation. SoFi in its sole discretion may terminate the Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you. The Program described replaces all earlier versions.

Supporting quotations

SoFi may modify or update this SoFi Plus Benefits Program at any time, and each such modification will be effective upon either posting at the Website or notice to you. Your continued participation in this SoFi Plus Benefits Program following any such modifications constitutes your acceptance of such modifications and your agreement to be bound by these terms.

your sole remedy is to discontinue your participation in the SoFi Plus Benefits Program

SoFi in its sole discretion may terminate this SoFi Plus Benefits Program, or prohibit or limit your ability to use, earn or redeem points, in whole or in part, at any time with or without notice to you. The SoFi Plus Benefits Program described herein shall replace all earlier versions of this SoFi Plus Benefits Program.

Qualifications & exceptions

• A modification takes effect on posting at the Website or on notice to you.
• Your sole remedy for a modification you do not accept is to discontinue participation.

Legal Rights & Agreement Rules · Restriction or exception

SoFi and related parties disclaim liability for damages from your SoFi Plus participation

In no event shall SoFi, its directors, employees, affiliates, agents, partners or suppliers be liable to you for any direct, indirect, incidental, special, punitive or consequential damages, including any loss of income, profits, business or opportunity, resulting from your participation in the SoFi Plus Benefits Program. The limitation applies whether the claim is based on warranty, contract, tort, the law of property or any other legal grounds, and whether or not the damages were foreseeable, and applies 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

• The limitation is stated for damages resulting from your participation in the SoFi Plus Benefits Program.
• It applies to the fullest extent permitted by law in the applicable jurisdiction.

Legal Rights & Agreement Rules · Restriction or exception

SoFi may decline or rescind the Match if fraud or violations are suspected, and the Match may be taxable income

SoFi reserves the right to decline, rescind or delay granting the Match if fraudulent activity or violations of the Terms are suspected, and may liquidate securities as reasonably necessary to recover any match amounts owed. SoFi's determinations under this section are made in its reasonable discretion. The Match may be considered income and will be reportable on IRS Form 1099-INT, 1099-MISC or Form 1042-S as applicable. The recipient is responsible for any applicable federal, state or local taxes and should consult a tax advisor.

Supporting quotations

Fraud and Violations:

SoFi reserves the right to decline, rescind, or delay granting the Match if fraudulent activity or violations of these Terms are suspected. SoFi may liquidate securities as reasonably necessary to recover any match amounts owed. SoFi’s determinations under this section shall be made in its reasonable discretion.

The Match may be considered income and will be reportable on IRS Form 1099-INT, 1099-MISC, or Form 1042-S as applicable. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the benefit

Qualifications & exceptions

• Fraud determinations are stated to be made in SoFi's reasonable discretion.

Legal Rights & Agreement Rules · Context

The Match is not an investment recommendation; brokerage and advisory services come from separate SoFi entities

Nothing in the SoFi Plus Match benefit constitutes a recommendation to buy, sell or hold any security or to engage in any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC, and robo investing and advisory services by SoFi Wealth LLC, an SEC-registered investment adviser. All terms and conditions applicable to the use of SoFi Plus apply.

Supporting quotations

Disclosures:

Nothing in this benefit constitutes a recommendation to buy, sell, or hold any security or to engage in any investment strategy. Brokerage services are provided by SoFi Securities LLC, Member FINRA/SIPC. Robo investing and advisory services are provided by SoFi Wealth LLC, an SEC-registered investment adviser.

Legal Rights & Agreement Rules · Restriction or exception

The Wall Street Journal and MarketWatch offer is provided and fulfilled by Dow Jones, not SoFi

The promotion is provided and fulfilled by Dow Jones (publisher of The Wall Street Journal and MarketWatch). The member benefit is provided and fulfilled by Dow Jones, not by SoFi or its affiliates, and is subject to Dow Jones subscription terms and conditions and to The Wall Street Journal and MarketWatch terms of service. Offers are subject to availability.

Supporting quotations

Promotion provided and fulfilled by Dow Jones (publisher of The Wall Street Journal and MarketWatch).

This SoFi member benefit is provided and fulfilled by Dow Jones, not by SoFi or its affiliates. Subject to Dow Jones subscription terms and conditions.

Not stated here

• The Dow Jones subscription terms and the Terms of Service of The Wall Street Journal and MarketWatch were not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

The ClassPass benefit is fulfilled by ClassPass, not SoFi, and either may modify or cancel it without notice

Rewards and amounts in the ClassPass offer are in U.S. dollars unless otherwise specified and are 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 the offer at any time without notice. The member benefit is provided and fulfilled by ClassPass, not by SoFi or its affiliates, and is subject to the ClassPass Terms of Service.

Supporting quotations

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.

Not stated here

• The ClassPass Terms of Service were not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

The Seated benefit is fulfilled by Seated, not SoFi, and either may modify or cancel it without notice

Rewards and amounts in the Seated offer are in U.S. dollars unless otherwise specified and are 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 the offer at any time without notice. The member benefit is provided and fulfilled by Seated, not by SoFi or its affiliates, and is subject to Seated's Terms of Service.

Supporting quotations

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 were not supplied with this document.

Legal Rights & Agreement Rules · Restriction or exception

SoFi Insurance Agency says it is an independent agency, not the insurer, and does not seek the best policy for you

SoFi Insurance Agency is described as an independent insurance agency. It offers the opportunity to learn about policies offered by insurance carriers, but SoFi is not the insurer and does not undertake to find the best or most appropriate policy for you. If SoFi provides information about possible policies, it does so based only on preliminary information you provide, and you should carefully consider your insurance needs and decide which coverages are right for you.

Supporting quotations

SoFi Insurance Agency

SoFi Insurance Agency is an independent insurance agency. We offer you the opportunity to learn about insurance policies offered by insurance carriers, but SoFi is not the insurer

SoFi does not undertake to find the “best” or most appropriate policy for you.

If SoFi provides you with information about possible policies to consider, we do so based upon only preliminary information you provide. You should carefully consider your insurance needs and make decisions about what coverages are right for you.

Qualifications & exceptions

• Information about possible policies is based only on the preliminary information you provide.

Legal Rights & Agreement Rules · Restriction or exception

The insurance section says "SoFi is a fiduciary for you", while an earlier section says SoFi is NOT a fiduciary

In the SoFi Insurance Agency section the sentence reads "SoFi is not the insurer, and SoFi is a fiduciary for you, and SoFi does not undertake to find the 'best' or most appropriate policy for you." Earlier, in the At Work section, the Agreement states "By making services available to you, SoFi is NOT a fiduciary to you." The two statements appear in different sections and the Agreement does not say whether either is limited to its own section or how they relate. This card quotes the insurance wording as written and does not decide what it means for the insurance agency relationship.

Supporting quotations

and SoFi is a fiduciary for you, and SoFi does not undertake to find the “best” or most appropriate policy for you.

By making services available to you, SoFi is NOT a fiduciary to you.

Qualifications & exceptions

• The insurance sentence is worded as "SoFi is a fiduciary for you" within the SoFi Insurance Agency section.
• The earlier statement is worded generally ("By making services available to you") but sits after the At Work contribution terms.

Not stated here

• The text does not say whether the insurance sentence is intended as written, or whether the earlier non-fiduciary statement is limited to the At Work program.
• The text does not say what fiduciary duties, if any, apply.

Cross-references

• contrast (model-proposed): SoFi states it is not a fiduciary and provides no retirement or employment benefits — The insurance section says "SoFi is a fiduciary for you", while the At Work section says SoFi is NOT a fiduciary to you. The Agreement does not say how the two statements relate or whether the earlier one is limited to its own section. Both are quoted as written.

Legal Rights & Agreement Rules · Restriction or exception

Insurance products are the carriers', not SoFi's; SoFi makes no warranties and accepts no liability

All insurance products quoted, offered or sold through SoFi are products offered by insurance carriers, NOT SoFi. SoFi makes no representations or warranties about those products and accepts no liability in connection with them. All insurance products are provided under the terms and conditions of the carrier providing them, and questions, concerns or disputes with any such products should be raised with the carrier. The 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.

Qualifications & exceptions

• Not available in all states.