SoFi Terms of Use

Use & Processing · Permission or license

You agree SoFi may contact you about your accounts and to offer products

You give SoFi permission to contact you. Under Registration & Accounts, SoFi may contact you about any matter relating to your activity with, any inquiry submitted to, or any account or product you have with SoFi. Under Marketing, SoFi may contact you to tell you about and offer products or services it believes might be of interest to you. SoFi may use agents or representatives to contact you on its behalf.

Supporting quotations

You agree that SoFi may contact you about any matter relating to your activity with, any inquiry submitted to, or any account or product you have with SoFi.

You agree that SoFi may contact you to tell you about and to offer products or services we believe might be of interest to you.

You agree that SoFi may use agents or representatives to contact you on our behalf.

Qualifications & exceptions

• Account contact covers matters relating to your activity, inquiries and accounts or products with SoFi.
• Marketing contact covers products or services SoFi believes might be of interest to you.
• SoFi may use agents or representatives to contact you.

Use & Processing · Permission or license

SoFi may contact you by any means, including autodialed calls and texts, prerecorded voice and chatbots

You agree that SoFi may contact you through any means, including email, telephone, SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems (auto-dialer) or an automatic chatbot or texting system. SoFi and its agent or representative may leave messages on your answering machine or voice mail, or send messages by text or chatbot.

Supporting quotations

You agree that SoFi may contact you through any means, including emails, telephone, SMS messages (including text messages), calls using pre-recorded messages or artificial voice, and calls and messages delivered using automatic telephone dialing systems (auto-dialer) or an automatic chatbot or texting system.

SoFi and its agent or representative may leave messages on your answering machine, voice mail, or send messages via text or chatbot.

Qualifications & exceptions

• The permission covers "any means" and names email, telephone, SMS, pre-recorded or artificial-voice calls, auto-dialers, automatic chatbots and texting systems.

Not stated here

• This paragraph does not itself say whether the permission covers marketing messages or only other contact; a separate Marketing SMS provision follows.

Use & Processing · Procedure

Opting in to Marketing SMS brings promotional texts until you text STOP

By opting in to SoFi Marketing via SMS you will receive marketing and promotional messages for products and services from SoFi. When a subscriber texts STOP to 410531, SoFi sends a final SMS message to confirm the unsubscribe, and after that you no longer receive SMS messages unless you re-enroll in the SMS program. You can text HELP for assistance or contact SoFi directly. Carriers are not responsible for delayed or undelivered messages, message and data rates may apply, and message frequency varies. Data obtained through the Marketing SMS program will not be shared with any third parties for their marketing reasons or purposes.

Supporting quotations

By opting in to SoFi Marketing via SMS, you will receive marketing and promotional messages for products and services from SoFi.

When a subscriber texts STOP to 410531, we will send a final SMS message to confirm that you have been unsubscribed. After that final message, you will no longer receive SMS messages from us unless you re-enroll in the SMS program.

Carriers are not responsible for delayed or undelivered messages. Message and data rates may apply for any messages sent or received. Message frequency varies.

Data obtained through the Marketing SMS program will not be shared with any third parties for their marketing reasons/purposes.

Qualifications & exceptions

• Applies to subscribers who opted in to SoFi Marketing via SMS.
• After the final confirmation message you receive no more SMS messages unless you re-enroll.
• The no-sharing commitment is limited to data obtained through the Marketing SMS program and to third parties' own marketing purposes.

Not stated here

• The text does not say how the data is used or shared for other purposes; it points to the Privacy Policy for more information.

Use & Processing · Permission or license

SoFi may use connected-account information for any purpose its Privacy Policies permit, including affiliate offers

If you connect an account through any SoFi service, SoFi may use the information from it for any purpose permitted by SoFi's Privacy Policies. The Agreement gives examples: identifying products and services that may interest you, sharing information with affiliated companies to offer products and services to you, and identifying whether you would likely be eligible for certain products and services.

Supporting quotations

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

• Permitted purposes are those allowed by SoFi's Privacy Policies, with the listed uses given as examples ("including").

Not stated here

• SoFi's Privacy Policies were not supplied with this document, so the full range of permitted purposes is not described here.

Use & Processing · Company practice

SoFi connects to your external account as your agent and does not warrant the information it obtains

If you connect an external account, SoFi connects to the account and obtains 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.

Supporting quotations

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.

Qualifications & exceptions

• Applies if you elect to connect an external account.

Use & Processing · Company practice

SoFi may review your Coach interactions to improve accuracy, safety and performance

SoFi may review your interactions with Coach to improve the accuracy, safety and performance of its systems. Your use of SoFi Coach means you accept the Coach terms, and is also subject to the SoFi Terms of Use and Privacy Policy.

Supporting quotations

SoFi may review your interactions with Coach to improve accuracy, safety, and performance of our systems.

Your use of SoFi Coach means you accept these terms and is also subject to the SoFi Terms of Use and Privacy Policy.

Qualifications & exceptions

• The stated purposes are accuracy, safety and performance of SoFi's systems.

Not stated here

• The text does not say whether reviewers are SoFi staff, automated systems or third parties, or how long interactions are kept.

Use & Processing · Company practice

SoFi keeps your credit information and may use it for targeted ads, offers and statistical analysis

SoFi will obtain and keep your credit reporting information and use it for the purposes permitted in SoFi's Privacy Notice. SoFi's uses of your information may include: serving targeted advertisements and other communications to you based on your information; presenting offers for other SoFi products and services using your credit information to identify whether you are likely to be eligible or interested; and statistical analysis to improve SoFi products and services.

Supporting quotations

SoFi will obtain and keep your credit reporting information and use it for the purposes permitted in SoFi’s

SoFi may use your credit information to serve targeted advertisements to you and other communication based on your information.

SoFi may present offers to you for other SoFi products and services using your credit information to identify if you are likely to be eligible or interested.

SoFi may use your credit information for statistical analysis to improve SoFi products and services.

Qualifications & exceptions

• The listed uses are examples ("may include"); uses are those permitted in SoFi's Privacy Notice.

Not stated here

• The Privacy Notice linked here was not supplied with this document, so other permitted uses and any retention period are not described.

Use & Processing · Restriction or exception

Referral texts to Washington State contacts need their prior express consent, and mass email solicitation is barred

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 Referee's express consent to receive promotional messages about SoFi's products and services. You also agree not to distribute a Referral Link or otherwise solicit anyone through mass email.

Supporting quotations

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.

You agree not to distribute a Referral Link or otherwise solicit anyone through mass email.

Qualifications & exceptions

• The consent duty is stated for contacts in Washington State and arises when you share your link by text message using Share Link.

Not stated here

• The text does not say what the consent duty is for contacts outside Washington State.