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.

Account & Service Control · Restriction or exception

You may accept only if legally authorized and of legal age

You may accept this Agreement and use the SoFi Site only if you are legally authorized to accept and be bound by its terms and are of a legal age to enter the Agreement. The Agreement does not state a specific age here.

Supporting quotations

You may only accept this Agreement and use the SoFi Site if you are legally authorized to accept and be bound by these terms and of a legal age to enter this Agreement.

Qualifications & exceptions

• Both conditions apply: legal authorization to be bound, and legal age to enter the Agreement.

Not stated here

• No specific minimum age is stated in this sentence.

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.

Content & IP Rights · Restriction or exception

Site material is for personal, non-commercial use, with no modifying, reposting or systematic retrieval

Material on the SoFi website, including its information and images, is for your personal private non-commercial use only. You may not modify, republish, post or transmit anything you obtain from the website, including anything you download, unless you first obtain SoFi's consent. You also agree not to engage in systematic retrieval of data or other content from the SoFi Site.

Supporting quotations

is for your personal private non-commercial use only

You may not modify, republish, post or transmit anything you obtain from this website, including anything you download from the site, unless you first obtain consent of SoFi.

You agree not to engage in systematic retrieval of data or other content from the SoFi Site.

Qualifications & exceptions

• The personal-use restriction is stated for material on the SoFi website; the systematic retrieval limit refers to the SoFi Site.
• Modifying, republishing, posting or transmitting is allowed with SoFi's prior consent.

Content & IP Rights · Restriction or exception

You may not link to the SoFi Site from another site without permission

You may not create any kind of link or hyperlink from any other site to the SoFi Site unless you first obtain SoFi's permission.

Supporting quotations

You may not create any kind of link or hyperlink from any other site to the SoFi Site unless you first obtain our permission.

Qualifications & exceptions

• Permission must be obtained first.

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.

Account & Service Control · Restriction or exception

You must confirm online transactions yourself before relying on them

You must confirm any transaction attempted online (such as a submission of information or a trade request) before relying on it being completed. The Agreement makes it your responsibility to verify the status of an attempted transaction by reviewing your accounts or contacting SoFi Customer Support.

Supporting quotations

You must confirm any transaction (such as a submission of information or a trade request) attempted online before relying on it being completed. It is your responsibility to verify the status of any attempted transaction by reviewing your accounts or contacting SoFi Customer Support

Qualifications & exceptions

• Applies to transactions attempted online, with a submission of information or a trade request given as examples.

Security & Safeguards · Restriction or exception

You protect your log-in credentials and accept the risk of unauthorized access

When you create an account you agree to use a complex, secure and private username and password and to protect your log-in credentials. You agree to accept the risk of unauthorized access and use of your account if your credentials are guessed, stolen or intercepted, or if SoFi's system is breached or used without proper authorization. If you learn of unauthorized use of your password or account, you must contact SoFi immediately using contact information on the SoFi Site. The Agreement states that SoFi is not responsible for any unauthorized access to or use of your account.

Supporting quotations

You agree to accept the risk of unauthorized access and use of your account if your credentials are guessed, stolen, intercepted, or if SoFi’s system is breached or used without proper authorization.

If you learn of any unauthorized use of your password or account, you must contact us immediately (using contact information on our SoFi Site).

SoFi is not responsible for any unauthorized access to or use of your account.

Qualifications & exceptions

• The risk you accept covers guessed, stolen or intercepted credentials and a breach or unauthorized use of SoFi's system.
• You must contact SoFi immediately after learning of unauthorized use of your password or account.

Not stated here

• The text does not say whether any other document or law limits this statement that SoFi is not responsible for unauthorized access.

Cross-references

• contrast (model-proposed): SoFi has no liability for unauthorized transfers made with your passcode before you notify it — One term says SoFi is not responsible for any unauthorized access to or use of your account. A later term says SoFi has no liability for unauthorized payments or transfers made with your passcode before you notify it and it has had a reasonable opportunity to act. The second is conditioned on timing of notice; the Agreement does not say how the two fit together.

Security & Safeguards · Company commitment

SoFi commits to reasonable security measures and says its systems are not 100% secure

SoFi's obligation is to use reasonable information security measures. You acknowledge and agree that SoFi's systems are not 100% secure against every possible attack.

Supporting quotations

SoFi’s obligation is to use reasonable information security measures, and you acknowledge and agree that SoFi’s systems are not 100% secure against every possible attack.

Qualifications & exceptions

• The stated obligation is reasonable information security measures, not a guarantee against every attack.

Data Access & Collection · Company practice

SoFi collects, uses and shares your information under its Privacy Policy and GLBA notice

If you use or obtain any SoFi product or service, SoFi will collect information about you and use and share it according to SoFi's Online Privacy Policy and GLBA Privacy Notice. The Agreement points to those documents for the full description and states that this Terms of Use does not limit the application of the SoFi Privacy Policy or Privacy Notice.

Supporting quotations

If you use or obtain any SoFi product or service, SoFi will collect information about you and use it and share it according to SoFi’s

This Terms of Use does not limit the application of the

Qualifications & exceptions

• Applies if you use or obtain any SoFi product or service.

Not stated here

• The Online Privacy Policy and GLBA Privacy Notice were not supplied with this document, so what is collected and shared is not described here.

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.

Data Access & Collection · Permission or license

Your communications with SoFi may be recorded, monitored, and shared with third-party providers

You agree that SoFi and its agents, representatives, affiliates or anyone contacting you on its behalf may contact you on a recorded line or recorded messaging service, including via an automated chatbot. Your communications with SoFi may be monitored, recorded or reviewed by SoFi and shared with its third-party providers for quality assurance and customer service purposes. The Agreement states that your use of the SoFi Site constitutes your consent to this monitoring, recording and review.

Supporting quotations

may contact you on a recorded line or recorded messaging service, including via an automated chatbot

Your communications with SoFi may be monitored, recorded or reviewed by us and shared with our third-party providers for quality assurance and customer service purposes. Your use of the SoFi Site constitutes your consent to such monitoring, recording and review.

Qualifications & exceptions

• Sharing with third-party providers is stated for quality assurance and customer service purposes.
• Consent is stated to arise from use of the SoFi Site.

Data Access & Collection · Company practice

Third-party tools record how you interact with the SoFi Site, including mouse movements and scrolling

SoFi may use third-party tools or technology to monitor user experience on its Site. These tools automatically record information you provide on the Site and information about how you interact with it, including pages or links you click, videos you watch, mouse clicks and movements and page scrolling. SoFi uses this information for analytics, to improve Site usability and to enhance the effectiveness of its Site, offers, advertising, communications and customer service. The Agreement refers to the Privacy Policy for more information.

Supporting quotations

We may also use third party tools or technology to monitor user experience on our Site. These tools automatically record information you provide to use on our Site and information about how you interact with our Site, including pages or links you click, videos you watch, mouse clicks and movements and page scrolling.

We use this information for analytics and to improve Site usability as well as enhance the effectiveness of our Site, offers, advertising, communications and customer service.

Qualifications & exceptions

• The recorded information includes information you provide on the Site and interaction data such as clicks, videos watched, mouse movements and scrolling.
• Stated uses include analytics and enhancing the effectiveness of offers and advertising.

Not stated here

• The Privacy Policy, which the text points to for more information, was not supplied with this document.

Account & Service Control · Restriction or exception

You certify your phone numbers and update them; SoFi may use any contact details you gave it or its affiliates

You certify that the telephone numbers you have given SoFi are your contact numbers and that you are permitted to receive calls at each. You agree to promptly alert SoFi whenever you stop using a particular telephone number. SoFi may contact you using any information you have provided to SoFi or any of its affiliates, at any telephone number, or any physical, email or electronic address you provide or at which you may be reached.

Supporting quotations

You certify telephone numbers that you have provided to us are your contact numbers and that you are permitted to receive calls at each of the telephone numbers you have provided to us. You agree to promptly alert us whenever you stop using a particular telephone number.

We may contact you using any information you have provided to SoFi or any of its affiliates, at any telephone number, or any physical, email, or electronic address you provide or at which you may be reached.

Qualifications & exceptions

• The certification covers numbers you provided to SoFi; the contact permission extends to information given to SoFi or any of its affiliates.

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.

Charges & Financial Obligations · Restriction or exception

You pay messaging charges, and SoFi can modify or end text messaging without notice

SoFi may use any means of communication to reach you even if you incur costs to receive the messages, including phone, text, email or other means. You are responsible for all charges, including text messaging fees, imposed by your communications service provider, and the charges appear on your phone bill. Message frequency depends on account status or settings. SoFi may modify or terminate its text messaging services from time to time, for any reason and without notice, including the right to terminate text messaging with or without notice, without liability to you.

Supporting quotations

SOFI MAY USE ANY MEANS OF COMMUNICATION TO REACH YOU EVEN IF YOU WILL INCUR COSTS TO RECEIVE SUCH MESSAGES, INCLUDING PHONE, TEXT, E-MAILS OR OTHER MEANS. You are responsible for any and all charges, including but not limited to, fees associated with text messaging, imposed by your communications service provider.

We may modify or terminate our text messaging services from time to time, for any reason, and without notice, including the right to terminate text messaging with or without notice, without liability to you.

Qualifications & exceptions

• Charges are those imposed by your communications service provider.
• SoFi's right to modify or end text messaging is stated to be without liability to you.

Security & Safeguards · Procedure

SoFi may text you two-factor codes; they support but do not guarantee account security

SoFi may send you two-factor authentication code messages by SMS. This is intended to support secure access but is not guaranteed to provide account security. You can cancel the SMS service at any time by texting STOP to the short code; SoFi then sends a confirmation message and you receive no more SMS messages, and you can join again by signing up as you did the first time. You can reply HELP or get help at 1-855-456-SOFI (7634). You might incur message and data fees, and you will receive at least one message per authentication attempt. The Agreement points to SoFi's privacy policy for privacy questions.

Supporting quotations

SoFi SMS Two-Factor Authentication Program

SoFi may send you a two-factor authentication code messages. This is intended to support your secure access but is not guaranteed to provide you account security.

You can cancel the SMS service at any time. Just text “STOP” to the short code.

After this, you will no longer receive SMS messages from us.

You might incur message and data fees for any messages sent to you from us and to us from you. You will receive at least one message per authentication attempt.

Qualifications & exceptions

• Cancelling the SMS service by texting STOP ends all SMS messages from SoFi, as the text states.
• You will receive at least one message per authentication attempt.

Data Access & Collection · Permission or license

Submitting a credit-based inquiry authorizes SoFi to obtain your credit report and use it, including to advertise to you

If you submit an inquiry or request to SoFi for a loan, credit card or other product that relies on credit, you authorize SoFi to obtain your credit report from a credit reporting agency and to use the information according to SoFi's Privacy Policy, including to advertise products and services to you. This authorization is in addition to the terms you accept when you submit a loan inquiry, the terms in any loan application, and the terms in loan documents if you obtain a loan.

Supporting quotations

If you submit an inquiry or request to SoFi for a loan, credit card, or other product that relies on credit, you authorize SoFi to obtain your credit report from a credit reporting agency and to use the information according to SoFi’s Privacy Policy, including to advertise products and services to you.

Your authorization in this Agreement is in addition to: (i) terms you accept at the time you submit a loan inquiry, (ii) terms in any loan application, and (iii) terms in loan documents if you obtain a loan.

Qualifications & exceptions

• Applies when you submit an inquiry or request for a loan, credit card or other product that relies on credit.
• Use of the report follows SoFi's Privacy Policy and expressly includes advertising products and services to you.

Not stated here

• SoFi's Privacy Policy was not supplied with this document, so the permitted uses beyond advertising are not described here.

Account & Service Control · Restriction or exception

You must provide accurate information; SoFi may end a submission and can decline any loan application

You agree to provide current, complete and accurate information about yourself and any co-borrowers or co-signers. If any information you provide is untrue, inaccurate, not current or incomplete, SoFi has the right to terminate your submission and to decline to provide any and all future use of the SoFi Site. At all times SoFi reserves the right to decline any loan submission or application for a loan.

Supporting quotations

You agree you will provide current, complete, and accurate information about yourself and any co-borrowers or co-signers.

If any information you provide is untrue, inaccurate, not current, or incomplete, SoFi has the right to terminate your submission and to decline to provide any and all future use of the SoFi Site. At all times we reserve the right to decline any loan submission or application for a loan.

Qualifications & exceptions

• The accuracy duty extends to information about co-borrowers and co-signers.
• SoFi's right to decline any loan submission or application applies at all times, not only when information is wrong.

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.

Charges & Financial Obligations · Context

SoFi Invest requires a separate customer agreement, and investments are not FDIC insured and may lose value

SoFi offers access to SoFi Invest through the SoFi Site and App. SoFi Invest is offered by SoFi Securities, LLC, and you must enter an additional customer agreement with SoFi Securities, LLC. The Agreement states that all investments are not FDIC insured, are not bank guaranteed and may lose value.

Supporting quotations

SoFi Invest is offered by SoFi Securities, LLC, and you must enter an additional customer agreement with SoFi Securities, LLC.

ALL INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE.

Qualifications & exceptions

• SoFi Invest is offered by SoFi Securities, LLC, not by the SoFi Site itself.

Not stated here

• The SoFi Securities customer agreement was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Coach is an AI tool; only your confirmation of the order card authorizes a trade

SoFi Coach is an AI-enabled tool provided by Social Finance, LLC. Its first-person language such as "I" or "me" refers to Coach, not to SoFi Securities LLC or a human financial professional. After you request a specific transaction, Coach can show an investment order card provided by SoFi Securities LLC. A prompt or Coach response is not an order and does not authorize a trade; only your affirmative confirmation of the exact terms displayed in the order-review card authorizes submission of your self-directed order. AI-generated investment content outside the order card is not provided or endorsed by SoFi Securities and is not a SoFi Securities recommendation. Brokerage orders are governed by the SoFi Securities Customer Agreement.

Supporting quotations

SoFi Coach is an AI-enabled tool provided by Social Finance, LLC.

A prompt or Coach response is not an order and does not authorize a trade. SoFi Securities LLC provides the separate order-review card, and only your affirmative confirmation of the exact terms displayed in that card authorizes submission of your self-directed order.

AI-generated investment content outside the order card is not provided or endorsed by SoFi Securities and is not a SoFi Securities recommendation. Brokerage orders are governed by the SoFi Securities Customer Agreement.

Qualifications & exceptions

• The order card is shown after you request a specific transaction.
• Authorization comes only from your affirmative confirmation of the exact terms displayed in the card.

Not stated here

• The SoFi Securities Customer Agreement was not supplied with this document.

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.

Security & Safeguards · Restriction or exception

SoFi has no liability for unauthorized transfers made with your passcode before you notify it

SoFi will have no liability to you for any unauthorized payment or transfer made using your passcode that occurs before you have notified SoFi of possible unauthorized use and SoFi has had a reasonable opportunity to act on that notice. SoFi may suspend or cancel your passcode even without notice from you if it suspects the passcode is being used in an unauthorized or fraudulent manner.

Supporting quotations

SoFi will have no liability to you for any unauthorized payment or transfer made using your passcode that occurs before you have notified us of possible unauthorized use and we have had a reasonable opportunity to act on that notice.

SoFi may suspend or cancel your passcode even without receiving such notice from you, if we suspect your passcode is being used in an unauthorized or fraudulent manner.

Qualifications & exceptions

• The no-liability statement covers unauthorized payments or transfers occurring before your notice and SoFi's reasonable opportunity to act on it.

Not stated here

• The text does not say how this statement relates to any separate rules for particular accounts or products.

Cross-references

• contrast (model-proposed): You protect your log-in credentials and accept the risk of unauthorized access — One term says SoFi is not responsible for any unauthorized access to or use of your account. A later term says SoFi has no liability for unauthorized payments or transfers made with your passcode before you notify it and it has had a reasonable opportunity to act. The second is conditioned on timing of notice; the Agreement does not say how the two fit together.

Account & Service Control · Permission or license

SoFi may suspend or end your use of the site for unauthorized, improper or harmful purposes, in its sole discretion

SoFi reserves the right to suspend, cancel or terminate your use of the SoFi Site and any SoFi product or service if it believes you are using it for a purpose that is unauthorized, improper, illegal, or that could harm SoFi or SoFi's reputation. SoFi may determine in its sole discretion the activities that could lead to suspension or cancellation. You agree not to use any device, software or routine to interfere or attempt to interfere with the proper working of the SoFi Site or any transaction conducted on it.

Supporting quotations

SoFi reserves the right to suspend, cancel, or terminate your use of the SoFi Site and any SoFi product or service if we believe you are using it for a purpose that is unauthorized, improper, illegal, or that could harm SoFi or SoFi’s reputation. SoFi may determine in our sole discretion the activities that could lead to such suspension or cancellation.

You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the SoFi Site or any transaction being conducted on the SoFi Site.

Qualifications & exceptions

• The trigger is SoFi's belief about your purpose, and SoFi alone determines which activities qualify.

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.

Account & Service Control · Permission or license

SoFi can suspend or end your use at any time for any or no reason, and non-compliance can end it automatically

This Terms of Use Agreement continues to apply to you and your use of the SoFi Site until your SoFi account or relationship is terminated as set forth in the Agreement. SoFi may, in its sole and absolute discretion, at any time, for any or no reason, and with or without prior notice, suspend or terminate your use of the SoFi Site and your rights under the Agreement. If you fail to comply with any term or condition, your access and rights may be automatically terminated without notice or other action by SoFi. You agree that SoFi will not be liable to you or any third party for any termination of your account or access.

Supporting quotations

This Terms of Use Agreement will continue to apply to you and your use of the SoFi Site until your SoFi account or relationship is terminated as set forth herein.

SoFi may, in its sole and absolute discretion, at any time, for any or no reason, and with or without prior notice, suspend or terminate your use of the SoFi Site and the rights afforded to you hereunder.

If you fail to comply with any terms and conditions of this Agreement, then your access to the SoFi Site and any rights afforded to you may be automatically terminated, without any notice to you or other action by SoFi.

You agree that SoFi will not be liable to you or any third party for any termination of your account or access.

Qualifications & exceptions

• SoFi's right applies with or without prior notice and for any or no reason.
• Automatic termination applies if you fail to comply with any term or condition of the Agreement.
• The no-liability statement covers you and any third party.

Not stated here

• The text does not set out how an account or relationship is terminated beyond these statements and the deletion page link.

Retention & Deletion · Company practice

SoFi may be required by law to keep information about you and your transactions even after you seek to end the Agreement

If you want to deactivate or delete your SoFi account, the Agreement points you to an FAQs page. You agree that even if you seek to terminate the Agreement, SoFi may be obligated by law to retain information about you and certain transactions.

Supporting quotations

If you want to deactivate or delete your SoFi account, please see our

You agree that even if you seek to terminate this Agreement, SoFi may be obligated by law to retain information about you and certain transactions.

Qualifications & exceptions

• The retention statement is limited to information SoFi may be obligated by law to retain, about you and certain transactions.

Not stated here

• The FAQs page that explains deleting an account was not supplied, and the text does not state retention periods.

Sharing & Disclosure · Company practice

Promotions for other companies may earn SoFi marketing fees and are not endorsements

The SoFi Site may contain promotions for products and services of other companies. In many cases those companies pay marketing fees to SoFi. SoFi says its promotion of another company's products is an introduction for you and not an endorsement, and SoFi disclaims any liability for products offered by any other company.

Supporting quotations

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.

Qualifications & exceptions

• The marketing fees are stated to be paid "in many cases", not in all.

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.

Account & Service Control · Restriction or exception

The SoFi Site is for personal, non-commercial use by U.S. residents legally able to contract

You agree to abide by all applicable local, state, national and international laws and regulations in your use of the SoFi Site. The SoFi Site is available only to individuals permitted to use it under applicable law, and is made available only for personal, non-commercial use and display by U.S. residents legally capable of entering commercial agreements. If you do not qualify, you should not use it. You also agree to comply with applicable laws on the export of technical data from the U.S.

Supporting quotations

The SoFi Site is available only to individuals who are permitted to use it under applicable law. The SoFi Site is made available only for personal, non-commercial use and display by U.S. residents legally capable of entering commercial agreements. If you do not qualify, do not use the SoFi Site.

You agree to comply with all applicable laws, rules and regulations regarding the export of technical data from the U.S.

Qualifications & exceptions

• Eligibility requires being permitted under applicable law and being a U.S. resident legally capable of entering commercial agreements.
• Use is limited to personal, non-commercial use and display.

Security & Safeguards · Restriction or exception

You are responsible for your transmissions, must not impersonate anyone, and unauthorized entry or misuse is prohibited

You agree that you are solely responsible for your actions and the contents of your transmissions through the SoFi Site, that you will not impersonate any person or entity or falsely state or misrepresent your identity or affiliation, and that you possess the legal right and ability to enter into these Terms of Use and the License and to use the SoFi Site. Unauthorized use of the SoFi Site, including unauthorized entry into SoFi's systems, misuse of passwords or misuse of any information posted on a site, is strictly prohibited.

Supporting quotations

(i) You are solely responsible for your actions and the contents of your transmissions through the SoFi Site. (ii) You will not impersonate any person or entity or falsely state or otherwise misrepresent your identity or affiliation with a person or entity. (iii) You possess the legal right and ability to enter into these Terms of Use and the License and to use the SoFi Site.

Unauthorized use of this SoFi Site, including but not limited to unauthorized entry into SoFi’s systems, misuse of passwords, or misuse of any information posted on a site, is strictly prohibited.

Qualifications & exceptions

• The prohibition lists unauthorized entry into SoFi's systems, misuse of passwords and misuse of posted information as examples ("including but not limited to").

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".

Content & IP Rights · Restriction or exception

SoFi Technologies, Inc. owns the site content, and you may not use or exploit it commercially

The Agreement states that SoFi Technologies, Inc. owns the copyright in all the information and material on the SoFi Site. The site's contents, including its look and feel (text, graphics, images, logos, button icons), editorial content, notices, software and other material, are protected under United States and foreign copyright, patent, trademark and other laws. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes the SoFi Site, use of or access to it, or any information or technology obtained from it, including SoFi's trademarks.

Supporting quotations

SoFi Technologies, Inc. owns the copyright in all of the information and material contained on the SoFi Site.

are protected under both United States and foreign copyright, patent, trademark, and other laws

You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the SoFi Site, or use of or access to the SoFi Site, or any information or technology obtained from the SoFi Site, including, but not limited to, SoFi’s trademarks.

Qualifications & exceptions

• The commercial-use limits apply to the SoFi Site, access to it, and information or technology obtained from it, with trademarks given as an example.

Not stated here

• The text names SoFi Technologies, Inc. as copyright owner, while the introduction identifies Social Finance, LLC and its affiliates as providers of the products and services; the relationship between them is not explained here.

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.

Account & Service Control · Context

Connected Accounts are external accounts you link to SoFi, and linking means agreeing to these terms

SoFi offers products and services that let you connect or link external accounts, such as a bank account, a loan or a credit card account held at another institution. SoFi calls these Connected Accounts. You agree to the following terms when you connect an account at another institution.

Supporting quotations

SoFi offers products and services that allow you to “connect” or “link” external accounts, such as a bank account, a loan, or a credit card account held at another institution (we refer to such accounts as a “Connected Account”).

You agree to the following terms and conditions when you connect an account at another institution:

Data Access & Collection · Company practice

SoFi may obtain any and all information from a Connected Account that is available to you

If you connect an external account to SoFi, SoFi may obtain any and all information from the Connected Accounts. The specific information varies by institution and account type, and you should assume SoFi will obtain any information available to you. The Agreement gives examples: for a bank account connected to SoFi Coach, balance and transaction information such as amounts of payments, debits and deposits; for an external loan account, loan balance, interest rate and payment history.

Supporting quotations

If you connect an external account to SoFi, SoFi may obtain any and all information from the Connected Accounts. The specific information SoFi obtains may vary by institution and account type. You should assume SoFi will obtain from the account any information that is available to you.

if you connect a bank account to SoFi Coach (described below), SoFi can collect any information from the account, including balance and transaction information, such as amount of payments, debits, and deposits. If you connect a loan account at an external institution, SoFi can collect loan balance, interest rate on the loan, and your payment history.

Qualifications & exceptions

• Applies once you connect an external account.
• The information obtained varies by institution and account type.

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.

Sharing & Disclosure · Permission or license

Connecting an account uses Plaid or another aggregator, which you authorize to access and transmit your information

The Agreement contains two nearly parallel provisions. One says that to connect an account SoFi requires you to use a service offered by Plaid Inc. The other says SoFi may require a data aggregator, such as Plaid. In both, you acknowledge that the provider's privacy policy governs its use of information it collects about you or that you provide to it (the first adds that you expressly agree to the terms of Plaid's Privacy Policy), and you expressly grant it the right, power and authority to access and transmit your information as reasonably necessary to provide the services to you.

Supporting quotations

To connect an account, SoFi requires you to use a service offered by Plaid Inc. (“Plaid”).

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.

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 access and transmit authority is limited to what is reasonably necessary to provide the services to you.
• Which of the two provisions controls is not stated.

Not stated here

• The document contains both a Plaid-specific provision (SoFi "requires" Plaid) and an aggregator provision (SoFi "may require" an aggregator such as Plaid); it does not say how they relate or whether the earlier is superseded.
• Plaid's Privacy Policy was not supplied, so what Plaid collects and does with information 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.

Account & Service Control · Restriction or exception

SoFi Coach is informational and organizational only, and you are solely responsible for your accounts

SoFi Coach offers financial insights and tools to view, aggregate and manage information from multiple accounts, including SoFi accounts and external accounts you connect. If you connect an external account in SoFi Coach, you authorize SoFi to obtain information from it and use it as described in the Connected Accounts terms. The Coach tools are intended to provide only organizational and informational services and not financial planning, investment, tax or retirement planning services or advice. SoFi does NOT review your account information to provide advice or guidance, makes no determination about the suitability or appropriateness of any transactions, and if you use Coach you are fully and solely responsible for your accounts and agree that SoFi's only role is to present and use information for you to review.

Supporting quotations

If you elect to connect an external account in SoFi Coach, you authorize SoFi to obtain information from the Connected Account external account and use it as described above in the section (“Connected Accounts”).

SoFi Coach tools are intended to only provide organizational and informational services regarding your finances. The SoFi Coach tools and services are not intended to provide any financial planning, investment, tax, or retirement planning services or advice.

If you elect to use SoFi Coach, you are fully and solely responsible for your accounts and agree SoFi’s only role is to present and use information for you to review.

Qualifications & exceptions

• The authorization to obtain and use information applies if you connect an external account in SoFi Coach.

Inference & Profiling · Restriction or exception

Coach responses may be AI-generated and incorrect; you agree to verify and not rely on them as advice

Responses in SoFi Coach may be generated by artificial intelligence, and a live support agent may be available if you require customer support. AI-generated responses may be incorrect, incomplete or inconsistent with information in your account. You agree to verify important details and not rely on SoFi Coach for financial, legal, investment, tax or other professional advice. Coach suggestions should not be treated as advice or recommendations, and you agree not to make any financial decisions based solely on Coach responses.

Supporting quotations

Responses may be generated by artificial intelligence (“AI”). If you require customer support, a live support agent may be available.

AI-generated responses may be incorrect, incomplete, or inconsistent with information available in your account. You agree to verify important details and not rely on SoFi Coach for financial, legal, investment, tax, or other professional advice.

you agree to not make any financial decisions based solely on SoFi Coach responses

Qualifications & exceptions

• The live support agent is stated to be available if you require customer support, using "may be available".

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.

Data Access & Collection · Permission or license

Credit Score Monitoring authorizes SoFi to pull your full credit information regularly until you end it

Credit Score Monitoring lets you obtain your credit score from a single credit reporting agency to monitor it, and enables SoFi to offer additional tools and insights related to your credit information. When you use it, you authorize and instruct SoFi to obtain your full credit reporting information from a credit reporting agency on a regular recurring basis (for example weekly) until you terminate the service. SoFi reserves the right to pause the service after a period of inactivity and automatically restarts it if you log in again. If monitoring is paused, rewards points associated with credit score increases are also paused.

Supporting quotations

SoFi offers you the opportunity to obtain your credit score from a single credit reporting agency for the purpose of allowing you to monitor your credit score. Obtaining the service also enables SoFi to offer you additional tools and insights related to your credit information.

You authorize and instruct SoFi to obtain your full credit reporting information from a credit reporting agency on a regular recurring basis (e.g., weekly) until such time that you terminate the Credit Score Monitoring.

SoFi reserves the right to pause Credit Score Monitoring after a period of inactivity. If you return and log in again, we’ll automatically restart the service.

If your credit score monitoring is paused, rewards points associated with credit score increase will also be paused.

Qualifications & exceptions

• The pull is of your full credit reporting information, not only the score.
• Recurring until you terminate; "e.g., weekly" is an example frequency.
• SoFi may pause after inactivity and restarts automatically when you log in again.

Not stated here

• The termination process is on an FAQs page that was not supplied with this document.

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.

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.

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.

Charges & Financial Obligations · Context

SoFi only helps deliver your loan information to your employer, and employer contributions are extra payments

Your employer has engaged SoFi to assist the employer in obtaining information to make a contribution to your student loan account. The contribution is made by your employer to you, and SoFi's role is only to assist you in delivering your loan information to your employer. The employer's contribution does not reduce your monthly minimum loan payment; it is an additional payment intended to help you pay off your loan, and you must continue to make your required minimum payment or confirm the amount due.

Supporting quotations

The contribution is made by your employer to you. SoFi’s role is only to assist you in delivering your loan information to your employer.

Your employer’s contribution does not reduce your monthly minimum loan payment and is an additional payment intended to help you pay off your loan. You must continue to make your required minimum monthly payment or confirm the amount due.

Qualifications & exceptions

• Applies when you receive contributions from your employer through SoFi.

Charges & Financial Obligations · Restriction or exception

You may enroll only Qualified Education Loans and attest to listed facts, and you will not enroll a delinquent loan

You agree to enroll only student loans that are Qualified Education Loans as defined by the IRS in the Internal Revenue Code Section 221(d). By enrolling a loan, you attest that it was used solely for the cost of attendance and did not exceed it, was for an approved Title IV school, that you attended at least half time, and that the loan was for your or your dependent's cost of attendance. You will not enroll a delinquent loan unless directed to do so by your employer.

Supporting quotations

You agree to enroll only student loans that are Qualified Education Loans as defined by the IRS in the Internal Revenue Code Section 221(d)

By enrolling a loan, you attest that the loan was: (a) used solely and only for the cost of attendance and did not exceed the cost of attendance, (b) at an approved Title IV school, (c) that you attended at least half time, and (d) that the loan was for you or your dependent’s cost of attendance.

You will not enroll a delinquent loan unless directed to do so by your employer.

Qualifications & exceptions

• The attestation has four parts: cost of attendance only, approved Title IV school, at least half-time attendance, and loan for you or your dependent.
• The delinquent-loan exception applies where your employer directs you to enroll it.

Not stated here

• Section 221(d) of the Internal Revenue Code is cited by name only and its text was not supplied; the Agreement's definition of "Qualified Education Loans" is stated as the IRS definition without being set out here.

Charges & Financial Obligations · Restriction or exception

You are responsible for checking that your employer's contributions are correct and received, and for reporting problems

You are responsible for confirming the amount contributed to your loan through your lender and agree to check your loan account to confirm your employer's contributions are correctly received. You are responsible for assuring your employer contributes the correct amount, and SoFi is not responsible for verifying that you receive the correct amount. You must notify SoFi or your employer immediately if you notice or have reason to believe funds are not delivered correctly to your external accounts.

Supporting quotations

You are responsible for confirming the amount contributed to your loan through your lender. You agree to check your loan account to confirm your employer’s contributions are correctly received.

You are responsible for assuring your employer contributes the correct amount to your loan. SoFi is not responsible for verifying that you receive the correct contribution amount.

You must notify SoFi or your employer immediately if you notice or have reason to believe funds are not delivered correctly to your external accounts.

Qualifications & exceptions

• Notice duty arises when you notice, or have reason to believe, funds are not delivered correctly to your external accounts.

Sharing & Disclosure · Permission or license

You authorize SoFi to receive information from your employer and send your loan information and payment details to it

You authorize SoFi to receive information about you from your employer as necessary to facilitate your participation in the employer's program. You also 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.

Supporting quotations

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 in the employer's program.
• Delivery to the employer is stated to be so that the employer may deliver contributions to the account you designated.

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.

Charges & Financial Obligations · Company practice

Lenders or their network managers pay SoFi fees that may affect which lenders SoFi selects and how they are shown

SoFi is paid a marketing fee from lenders and/or from MoneyLion or Quinstreet, which manage the lender network. The fee may be paid based on various events, including when you connect with the lender and when you obtain a loan, including as a percentage of any loan you obtain. SoFi's compensation from the lender may affect SoFi's selection of lenders to participate and the presentation of lender information to you.

Supporting quotations

SoFi will be paid a marketing fee from lenders and/or from MoneyLion or Quinstreet who manage the lender network. The fee to SoFi may be paid based on various events, including when you connect with the lender and when you obtain a loan, including as a percentage of any loan you obtain.

SoFi’s compensation from the lender may affect SoFi’s selection of lenders to participate and the presentation of lender information to you.

Qualifications & exceptions

• Fee triggers are listed as examples ("various events, including").

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.

Content & IP Rights · Permission or license

The SoFi App is licensed, not sold: a personal, revocable, non-exclusive, non-transferable license

The SoFi App is licensed, not sold, to you by Social Finance, LLC for use strictly in accordance with the Terms of Use. On download, SoFi grants you a personal, revocable, non-exclusive, non-transferable limited license to install and use the App on your mobile device to access and use the Services for your personal, non-commercial use and display, strictly in accordance with the license, your Account Agreements, these Terms of Use and any applicable Usage Rules (the License).

Supporting quotations

The SoFi App is licensed, not sold, to you by Social Finance, LLC for use strictly in accordance with the Terms of Use.

SoFi grants you a personal, revocable, non-exclusive, non-transferable limited license to install and use the SoFi App on your mobile device to access and use the Services for your personal, non-commercial use and display strictly in accordance with this license, your Account Agreements, these Terms of Use and any applicable Usage Rules

Qualifications & exceptions

• Use is limited to your mobile device and to personal, non-commercial use and display.
• Use must also follow your Account Agreements and any applicable Usage Rules.

Not stated here

• The "Usage Rules" are referred to without being defined or supplied in this passage.

Content & IP Rights · Restriction or exception

You may not reverse engineer, modify, remove notices from, or use bots with the SoFi App

You agree not to decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the SoFi App; make any modification, adaptation, improvement, enhancement, translation, copy or derivative work from it; violate any applicable laws, rules or regulations in connection with your access or use of it; remove, alter or obscure any proprietary notice (including copyright or trademark notices) of SoFi or its affiliates, partners, suppliers or the App's licensors; or create, design, engineer or use any bot or other technology in connection with the App.

Supporting quotations

You agree that you will not (i) decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the SoFi App; (ii) make any modification, adaptation, improvement, enhancement, translation, copy or derivative work from the SoFi App; (iii) violate any applicable laws, rules or regulations in connection with your access or use of the SoFi App; (iv) remove, alter or obscure any proprietary notice (including any notice of copyright or trademark) of SoFi or its affiliates, partners, suppliers or the licensors of the SoFi App; or (iv) create, design, engineer or use any “bot” or other technology in connection with the SoFi App.

Qualifications & exceptions

• The source lists two items numbered (iv); the second concerns bots and other technology.

Content & IP Rights · Restriction or exception

SoFi and its affiliates, agents or licensors own the App and its IP; you get no rights beyond the license

You acknowledge that the SoFi App and all associated copyrights, patents, trademarks, trade secrets and other intellectual property rights are owned by SoFi or its affiliates, agents or licensors, as applicable, and that all rights, title and interest are reserved. Trademarks (including logos, service marks, trade names and icons), copyrights, patents, trade secrets, content, publicity rights and other intellectual property (the Intellectual Property) are proprietary to SoFi, its affiliates, agents or licensors. You may not remove, alter, obscure or modify proprietary notices. Except as expressly stated in the license, you are not granted any intellectual property rights in the App by implication, estoppel or other legal theory, and all rights not expressly granted are reserved by SoFi.

Supporting quotations

the SoFi App and all copyrights, patents, trademarks, trade secrets and other intellectual property rights associated therewith are owned by SoFi or its affiliates, agents or licensors, as applicable.

You may not remove any proprietary notices, including, but not limited to, copyright and trademark notices, from the SoFi App or alter, obscure or modify such notices in any way.

Except as expressly stated in this license, you are not granted any intellectual property rights in or to the SoFi App by implication, estoppel or other legal theory, and all rights in and to the App not expressly granted in this License are hereby reserved and retained by SoFi.

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.

Content & IP Rights · Procedure

Copyright complaints about App material go through Customer Support, and repeat infringers may be terminated

If you believe material on the SoFi App violates your copyright, you should contact SoFi Customer Support for instructions on submitting a copyright infringement notice. SoFi says it will respond to all copyright infringement notices and respond appropriately by removing infringing material if necessary. If a member repeatedly infringes copyrights, the account may be subject to termination at SoFi's discretion.

Supporting quotations

If you believe that material on our SoFi App violates your copyright, please contact SoFi Customer Support at 1-855-456-7634 for instructions on submitting a copyright infringement notice.

SoFi will respond to all copyright infringement notices that it receives and respond appropriately by removing infringing material if necessary. If a member repeatedly infringes upon copyrights, his or her account may be subject to termination at SoFi’s discretion.

Qualifications & exceptions

• Removal is stated as "if necessary"; termination for repeat infringement is at SoFi's discretion.

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.

Charges & Financial Obligations · Restriction or exception

Referral rewards: one reward and one welcome bonus per new customer per product, with an installment-loan exception

A person you refer must use your specific product referral link under the terms of the promotional campaign for that link. You have separate links for Personal Loans and Student Loans, Checking and Savings accounts, Invest products, and Credit Score Monitoring. Only one referral reward and one welcome bonus are available per new customer per product if the campaign rules are met, with the exception of referrals for new closed end unsecured installment loans. You will not receive multiple referral bonuses for the same person using multiple promotions, and those referred will not receive multiple welcome bonuses, unless the promotion is for a new closed end unsecured installment loan they have not previously obtained. You receive an additional referral bonus for the same person funding a new personal loan, new student loan refinance or new private student loan, if the person applies through that product's referral link and has not previously obtained that type of loan.

Supporting quotations

any person whom you’d like to refer must use your specific product referral link in accordance with the terms and conditions associated with the specific promotional campaign for that link.

Only one referral reward and one welcome bonus per new customer per product if the promotional campaign rules are met, with the exception of referrals for new closed end unsecured installment loans.

You will receive an additional referral bonus for the same person funding a new personal loan, new student loan refinance or new private student loan, provided the person applies through the specific product’s referral link and has not previously obtained that type of closed end unsecured lending product.

Qualifications & exceptions

• The one-reward limit applies per new customer per product and only if the promotional campaign rules are met.
• The exception applies to new closed end unsecured installment loans the person has not previously obtained.

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.

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").

Content & IP Rights · Restriction or exception

Referrers may use SoFi brand assets only if SoFi provided them for the promotion, and must follow platform ad rules

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 the referral promotion. If you share a referral link on social media, you agree to comply with all relevant advertising and disclosure rules of the respective platforms, including any required "Paid Partnership" or "Ad" tags.

Supporting quotations

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 are allowed only when provided directly by SoFi for this referral promotion.

Charges & Financial Obligations · Restriction or exception

SoFi may disqualify referrers, refuse referrals, and seek reimbursement of bonuses, even causing a negative balance

SoFi reserves the right to review, investigate and disqualify anyone from the SoFi Referral Program at any time, and not to honor any referral which in its sole discretion was solicited in a manner inconsistent with the spirit or terms of the program. SoFi also reserves the right to seek reimbursement from any customer of amounts paid as Referral Bonuses to customers who violate the program's terms, and in certain circumstances deducting such amounts from their account may result in a negative balance.

Supporting quotations

SoFi reserves the right to review, investigate, and disqualify anyone from participation in the SoFi Referral Program at any time, and reserves the right to not honor any referral which in our sole discretion was solicited in a manner inconsistent with the spirit or terms and conditions of the SoFi Referral Program.

SoFi reserves the right to seek reimbursement from any customer of amounts paid as Referral Bonuses to customers who violate the terms and conditions of the referral program. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Qualifications & exceptions

• Whether a referral was solicited inconsistently with the program's spirit or terms is judged in SoFi's sole discretion.
• Reimbursement is sought for bonuses paid to customers who violate the terms.

Sharing & Disclosure · Restriction or exception

Some funding methods do not count for bonuses; referred prospects' account details are not shared with Referrers

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding. 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.

Supporting quotations

If account funding is required to meet referral bonus payout eligibility, P2P transfers or proceeds of a reward, promotion or similar program are not eligible methods of funding.

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.

Qualifications & exceptions

• The funding exclusion applies only where account funding is required for payout eligibility.

Account & Service Control · Restriction or exception

U.S. SoFi employees can earn referral bonuses, except for SoFi Invest, and face data and statement limits

Employees of Social Finance, LLC and its subsidiaries or affiliates in the United States are eligible for Referral Bonuses for any SoFi product with a Referral Program, except that SoFi employees are ineligible for Referral Bonuses for SoFi Invest products. Employee referrals are subject to the Referral Program Official Rules and the Bank, Loan, Credit Score Monitoring and Crypto Referral Program terms and conditions. Employees are strictly prohibited from using any SoFi member data they can access beyond usage necessary and usual for their role, may not make statements about rates, bonuses or product features beyond what SoFi publicly discloses, and must adhere to the company's Code of Business Conduct and Ethics Policy.

Supporting quotations

Employee Referral Program

Employees of Social Finance, LLC and its subsidiaries/affiliates in the United States are eligible to receive Referral Bonuses as applicable for any SoFi product with a Referral Program, except that SoFi employees are ineligible for Referral Bonuses for SoFi Invest products.

Employee Referrals are subject to the Referral Program Official Rules, the Bank Referral Program Terms and Conditions, the Loan Referral Program Terms and Conditions, the Credit Score Monitoring Referral Program Terms and Conditions, and the Crypto Referral Program Terms and Conditions.

Employees are strictly prohibited from use of any SoFi member data to which they have access beyond usage necessary and usual for their role at SoFi. Employees may not make statements about rates, bonuses, or product features beyond what is publicly disclosed directly by SoFi.

Qualifications & exceptions

• Eligibility is for employees in the United States.
• The Code of Business Conduct and Ethics Policy was not supplied.

Not stated here

• The Code of Business Conduct and Ethics Policy was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

No one may receive more than $10,000 in referral and welcome bonuses in a calendar year, and SoFi may cap link uses

In no event will any person be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under the Referral Programs within any calendar year. SoFi also reserves the right at any time to limit the maximum number of times a Referral Link can be used.

Supporting quotations

Referral Cap

In no event will any person be entitled to receive more than $10,000 in cumulative referrals or welcome bonuses under these Referral Programs within any calendar year. In addition, SoFi reserves the right to, at any time, limit the maximum number of times a Referral Link can be used.

Qualifications & exceptions

• The cap is per person, cumulative across the Referral Programs, per calendar year.

Charges & Financial Obligations · Company practice

Referral and welcome bonuses are miscellaneous income that SoFi may report to the IRS, and you are responsible for taxes

Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi says it is required to do this reporting under applicable federal and state requirements. The recipient is responsible for applicable federal, state or local taxes on the bonus, and should consult a tax advisor.

Supporting quotations

Tax Considerations

Referral Bonuses and Welcome Bonuses are each considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with the applicable federal and state reporting requirements. Recipient is responsible for any applicable federal, state or local taxes associated with receiving the bonus offer

Data Access & Collection · Restriction or exception

Referrers may not take compensation from referred people, collect their information or help with applications

Other than as set forth in the Referral Program terms, you agree not to compensate or accept compensation from applicants you refer to SoFi. Your activities are limited to referring potential customers so they can 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.

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 may not collect information from eligible recipients under any Referral Program, assist with filling out an application, or discuss specific product terms.

Qualifications & exceptions

• The compensation ban has an exception for compensation set forth in the Referral Program terms.

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.

Charges & Financial Obligations · Restriction or exception

Referrers are independent contractors; W-9 may be required, and unclaimed payments are forfeited after 180 days

Your participation in a Referral Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship, and you are not entitled to any benefits. SoFi may require a Form W-9 before paying any referral or welcome bonus. Payments not claimed within 180 days of the date the funds were made available, because the direct deposit bank account or required tax information was not provided, are subject to forfeit.

Supporting quotations

Independent Contractor

Your participation in a Referral Program is solely as an independent contractor. Neither you nor SoFi intend to establish an employment relationship, and you are not entitled to any benefits. We may require completion of a Form W-9 prior to payment of any referral or welcome bonus.

Any payments that are not claimed within 180 days of the date the funds have been made available because either the direct deposit bank account or required tax information have not been provided are subject to forfeit.

Qualifications & exceptions

• The forfeiture applies to payments unclaimed within 180 days because the bank account or required tax information was not provided.

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.

Account & Service Control · Restriction or exception

The Loan Referral Program is open to registered consumers outside Vermont and covers only student and personal loans

The Loan Referral Program of SoFi Bank, N.A. is governed by these terms and the Official Rules. It is open to any consumer who registers on SoFi's website and resides outside the state of Vermont. Eligible Loan Referrers are limited to referring people they believe may be interested in applying for a student loan or personal loan product described in a specific promotional campaign. They will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. SoFi Bank may disqualify anyone at any time, and anyone who violates these terms is ineligible for payment of any bonus.

Supporting quotations

The Loan Referral Program is open to any consumer who registers on SoFi’s website and who resides outside of the state of Vermont

Eligible Loan Referrers are limited to refer friends, colleagues, family members, and other people they (collectively, the “Eligible Loan Recipient(s)“) believe may be interested in applying for a student loan or personal loan product as described in a specific promotional campaign

SoFi Bank reserves the right to disqualify anyone from participating in the Loan Referral Program at any time. The Eligible Loan Referrers will NOT receive a Loan Referral Bonus for referrals for any other SoFi Bank loan products. Anyone who violates these terms and conditions is ineligible for payment of any bonus.

Qualifications & exceptions

• Open to consumers who register on SoFi's website and reside outside Vermont.
• Bonuses are limited to the student loan or personal loan products described in a specific promotional campaign.

Charges & Financial Obligations · Restriction or exception

Loan referral credit needs the recipient to use the link and finish requirements within 120 days

To receive credit, the referrer must send a unique referral link to an Eligible Loan Recipient, who must use it and complete all specified promotional requirements within 120 days after receiving the link and meet the terms of the specific promotional campaign. For the recipient to receive a Loan Welcome bonus on a SoFi Personal Loan, the loan must still be active and in good standing 90 days after disbursement, meaning the account is open, not paid off, and the borrower is current with no defaults or violations. For Private Student Loan referrals, the recipient and referrer receive their bonus 60 days after the first loan disbursement, the referrer can earn a maximum of 5 total referral bonuses for that product, and no payments are made if the referrer is employed by a qualified educational institution.

Supporting quotations

Eligible Loan Referrers must send their unique referral link to an Eligible Loan Recipient, the Eligible Loan Recipient must use their Eligible Loan Referrer’s unique referral link and complete all specified promotional requirements, within 120 days after receipt of the Eligible Loan Referrer’s unique referral link

in order for the Eligible Loan Recipient to receive their Loan Welcome bonus for a SoFi Personal Loan, the loan must still be an active loan in good standing ninety (90) days after the disbursement date, meaning the account remains open and hasn’t been paid off, and the borrower is current on all payments with no defaults or violations of the loan terms.

For Private Student Loan referrals, the Eligible Loan Recipient and Eligible Loan Referrer will receive their bonus sixty (60) days after their first loan disbursement, and the Eligible Loan Referrer is eligible for a maximum of 5 total referral bonuses for the Private Student Loan product. Further, for referrals for the Private Student Loan product no payments will be made if the Eligible Loan Referrer is employed by a qualified educational institution.

Qualifications & exceptions

• The 120-day period runs from the recipient's receipt of the referrer's unique referral link.
• The 90-day good-standing condition is stated for the recipient's Loan Welcome bonus on a SoFi Personal Loan.
• The 5-bonus maximum and employment exclusion are stated for the Private Student Loan product.

Charges & Financial Obligations · Restriction or exception

Loan referral bonuses go into SoFi Bank accounts, once per recipient per loan type, with exclusions

When the recipient uses the referrer's link and meets the campaign terms, SoFi Bank or its designee pays the referrer a Loan Referral Bonus and the recipient a Loan Welcome Bonus, each into a SoFi Bank Checking or Savings account in the amount specified in the campaign for that link. Only one Loan Referral Bonus and one Loan Welcome Bonus are awarded for each referred recipient, per loan type, even if the recipient takes out multiple Eligible Loans. No Loan Referral Bonus is paid to otherwise eligible referrers who are Vermont residents, or for otherwise funded loans made to Vermont residents. A referrer earns no bonus if the recipient has or had a funded SoFi loan account of the same type or does not use the referrer's unique link.

Supporting quotations

SoFi Bank or its designee shall pay to (a) the Eligible Loan Referrer, a referral bonus into a SoFi Bank Checking or Savings account in the amount specified in the promotional campaign associated with the unique referral link that was used for the referral

Only one Loan Referral Bonus and one Loan Welcome Bonus will be awarded for each referred Eligible Loan Recipient, per loan type, regardless of whether the Eligible Loan Recipient takes out multiple Eligible Loans.

(1) no Loan Referral Bonus will be paid to otherwise Eligible Loan Referrers who are residents of Vermont, and (2) no Loan Referral Bonus will be paid for otherwise funded loans made to Vermont residents.

An Eligible Loan Referrer will not earn a Loan Referral Bonus if the Eligible Loan Recipient has or had a funded SoFi loan account of the same type, or if the Eligible Loan Recipient does not use the unique referral link provided by the Eligible Loan Referrer.

Qualifications & exceptions

• Bonus amounts are those specified in the promotional campaign for the link used.
• The Vermont exclusions cover both Vermont-resident referrers and loans made to Vermont residents.

Sharing & Disclosure · Restriction or exception

Referred people may not be emailed in some cases, referrers get no loan details, and participation waives privacy once

If the Eligible Loan Recipient already has a SoFi loan account, is on SoFi's opt-out list or the national email opt-out list, or has already used another referrer's unique link, the recipient may not be sent an email. SoFi cannot disclose to the referrer any information about funded loans opened by recipients they refer. 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.

Supporting quotations

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, and as letting each party become aware of an account relationship with SoFi Bank.

Charges & Financial Obligations · Restriction or exception

The $1,000 Medical and Dental Referral Offer needs funding and 90 days in good standing

This offer is subject to lender approval, is not available to residents of Vermont, and is open only to new medical or dental Student Loan Refinance borrowers; it may not be combined with other offers aside from the autopay discount. For the referrer and recipient each to receive a $1,000 bonus, the referee must register and apply for a medical or dental student loan refinance through the referral link, meet SoFi's underwriting criteria, fund a loan with SoFi, and have or apply for a SoFi Checking and Savings or have a SoFi Money account. After disbursement the loan must remain active and in good standing for ninety days, then both bonuses are deposited within 30 calendar days. Bonuses not redeemed within 180 calendar days of being made available may be subject to forfeit. Bonuses of $600 or greater in a single calendar year will be reported to the IRS on Form 1099-MISC, and the recipient is responsible for taxes. SoFi reserves the right to change or terminate the offer at any time with or without notice.

Supporting quotations

Offer is subject to lender approval and not available to residents of Vermont. The offer is only open to new medical or dental Student Loan Refinance borrowers and may not be combined with other offers aside from the autopay discount.

the referee must: (1) register and apply for a medical or dental student loan refinance through the referral link provided; (2) meet SoFi’s underwriting criteria; (3) fund a loan with SoFi; and (4) have or apply for a SoFi Checking and Savings or have a SoFi Money account to receive the bonus.

the loan must remain active and in good standing for ninety (90) days, meaning the account remains open, hasn’t been paid off, and the borrower is current on all payments with no defaults.

Bonuses that are not redeemed within 180 calendar days of the date they were made available to the recipient may be subject to forfeit. Bonus amounts of $600 or greater in a single calendar year will be reported to the Internal Revenue Service (IRS) as miscellaneous income to the recipient on Form 1099-MISC

SoFi reserves the right to change or terminate the offer at any time with or without notice.

Qualifications & exceptions

• Not available to residents of Vermont; open only to new medical or dental Student Loan Refinance borrowers.
• Good standing means the account is open, not paid off, and the borrower is current with no defaults.
• Forfeiture applies to bonuses not redeemed within 180 calendar days of being made available.

Account & Service Control · Restriction or exception

Invest referrers need a funded account in good standing; employees are excluded

The SoFi Invest Referral Program lets eligible members refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC. To be an Eligible Invest Referrer you must have a SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC that is funded and in good standing (not suspended). Employees of Social Finance, LLC and its affiliates are not eligible for referral bonuses under this program. No referral bonus is paid unless the referred individual opens a new SoFi Invest Self-Directed Invest Account; bonuses are not available for referrals to open an Automated Invest Account or a Self-Directed IRA Account. SoFi Securities or its designee may disqualify anyone at any time.

Supporting quotations

Invest Referral Program

allows eligible members to refer others to open a new SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC

you must have a SoFi Invest Self-Directed Invest Account offered by SoFi Securities LLC or an Automated Invest account offered by SoFi Wealth LLC that is funded and in good standing (i.e., not suspended). Employees of Social Finance, LLC and its affiliates are not eligible to receive referral bonuses under the Invest Referral Program.

Eligible Invest Referrers will not receive a referral bonus unless the referred individual opens a new SoFi Invest Self-Directed Invest Account. Referral bonuses are not available for referrals to open a SoFi Invest Automated Invest Account or a SoFi Invest Self-Directed IRA Account. SoFi Securities LLC, or its designee (collectively, “SoFi Securities”), reserves the right to disqualify anyone from participation in the Invest Referral Program at any time.

Qualifications & exceptions

• The referrer's account must be funded and in good standing.
• Only a new Self-Directed Invest Account opened by the referred person qualifies.

Charges & Financial Obligations · Restriction or exception

The referred person must open a new account through the link within 90 days and fund it with at least $25

Eligible Invest Referrers must share their unique referral link with a person they wish to refer. To earn bonuses, the Eligible Invest Recipient must open a new SoFi Invest Self-Directed Invest Account using the referrer's unique link within 90 days of clicking the link, fund the new account with a minimum deposit of $25.00, and meet any additional terms of a specific promotional campaign associated with the link.

Supporting quotations

Eligible Invest Referrers must share their unique referral link with an Eligible Invest Recipient they wish to refer.

To earn bonuses, the Eligible Invest Recipient must:

(1) open a new SoFi Invest Self-Directed Invest Account using the Eligible Invest Referrer’s unique referral link within 90 days of clicking the referral link;

(2) fund the new account with a minimum deposit of $25.00; and

(3) meet any additional terms and conditions that may apply to a specific promotional campaign associated with the referral link.

Qualifications & exceptions

• The 90 days run from the recipient clicking the referral link.

Charges & Financial Obligations · Company commitment

Invest referral: $50 cash bonus to the referrer and $25 stock bonus to the new customer, once per recipient

When the conditions are met, SoFi Securities LLC credits the referrer's Invest account with a $50 cash bonus and credits the new Self-Directed Invest Account with a $25 stock bonus. Only one $50 cash bonus and one $25 stock bonus are awarded for each referred recipient. The referrer does not earn the $50 cash bonus if the recipient has or previously had a funded SoFi Invest account, does not use the referrer's unique link, or is on an opt-out list. SoFi cannot disclose to the referrer information about new accounts opened by recipients. By sending a referral link, you agree that you have express consent to send the recipient promotional messages about SoFi's products and services.

Supporting quotations

When these conditions are met, SoFi Securities LLC will:

(a) credit the Eligible Invest Referrer’s Invest account with a $50 cash bonus (the “Invest Referral Bonus”); and

(b) credit the new SoFi Invest Self-Directed Invest Account of the Eligible Invest Recipient with a $25 stock bonus (the “Invest Welcome Bonus”).

Only one $50 cash bonus and one $25 stock bonus will be awarded for each referred Eligible Invest Recipient. An Eligible Invest Referrer will not earn the $50 cash bonus if the Eligible Invest Recipient has or previously had a funded SoFi Invest account, does not use the unique referral link provided by the Eligible Invest Referrer, or is on an opt-out list.

We cannot disclose to you any information about new SoFi Invest Self-Directed Invest Accounts opened by any Eligible Invest Recipients you refer. By sending a referral link, you agree that you have express consent to send the recipient promotional messages about SoFi’s products and services.

Qualifications & exceptions

• The bonuses are paid when the recipient has met the stated conditions.

Charges & Financial Obligations · Context

Bank Referral Program runs October 1 to November 4, 2026 with a Standard and a SoFi Plus bonus

The SoFi Bank Referral Program terms govern participation during the Promotion Period, which runs from October 1, 2026 at 12:00 a.m. E.T. to November 4, 2026 at 11:59 p.m. E.T. The promotion provides a Standard Bonus for each qualifying referral, with amounts differing for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($25), and a SoFi Plus Additional Bonus ($25 for each party) if the Eligible Recipient also subscribes to SoFi Plus within the required timeframe described below.

Supporting quotations

Bank Referral Program

The following terms and conditions govern your participation in the SoFi Bank Referral Program ("Bank Referral Program") during the Promotion Period (as defined below).

A Standard Bonus for each qualifying referral. The Standard Bonus amount differs for the Eligible Bank Referrer ($75 or $100) and the Eligible Recipient ($25)

A SoFi Plus Additional Bonus ($25 for each party) if the Eligible Recipient also subscribes to SoFi Plus within the required timeframe described below.

Promotion Period

October 1, 2026 at 12:00 a.m. E.T. – November 4, 2026 at 11:59 p.m. E.T.

Qualifications & exceptions

• The Promotion Period is stated in Eastern Time.
• The SoFi Plus Additional Bonus applies if the recipient subscribes to SoFi Plus within the required timeframe described in the terms.

Not stated here

• The conditions that determine whether the referrer receives $75 or $100, and the SoFi Plus timeframe, are set out in the Standard Bonus and later sections, not here.

Charges & Financial Obligations · Restriction or exception

The Bank Referral offer is limited-time and can change or expire at any time

This is a limited-time offer from SoFi that is subject to change or expire at any time. Only referrals that satisfy all required activities during the Promotion Period qualify for the Promotion.

Supporting quotations

This is a limited-time offer from SoFi and is subject to change or expire at any time. Only referrals that satisfy all required activities during the Promotion Period will qualify for this Promotion.

Qualifications & exceptions

• Qualification requires all required activities to be completed during the Promotion Period.

Account & Service Control · Restriction or exception

Bank referrers must share their link in the Promotion Period and hold a Checking and Savings account in good standing

To be eligible for a referral bonus under the Promotion, covering both the Standard Bonus and the SoFi Plus Additional Bonus, an Eligible Bank Referrer must share their unique referral link during the Promotion Period and have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment.

Supporting quotations

To be eligible for a referral bonus under this Promotion (including both the Standard Bonus and the SoFi Plus Additional Bonus), a referrer (an "Eligible Bank Referrer") must:

Share their unique referral link during the Promotion Period; and

Have an existing SoFi Checking and Savings account in good standing at the time of their referral bonus payment.

Qualifications & exceptions

• The account-in-good-standing condition is tested at the time of the referral bonus payment.

Charges & Financial Obligations · Restriction or exception

Standard Bonus: recipient opens an account as their first SoFi product and deposits $50 within 25 days

To be eligible for the Standard Bonus, an Eligible Recipient must apply and successfully open a SoFi Checking and Savings account before the end of the Promotion Period as their first SoFi product, by opening the referral link from their friend. Individuals who previously applied for but did not successfully open or enroll in another SoFi product remain eligible. The recipient must also make deposits totaling $50 or more, initiated during the 25 calendar day period beginning on the day after they register or log in as a SoFi user by opening the referral link; that period ends at 11:59 p.m. E.T. on the twenty-fifth day following registration or login.

Supporting quotations

To be eligible for the Standard Bonus, an Eligible Recipient must:

Apply and successfully open a SoFi Checking and Savings account prior to the end of the Promotion Period as their first SoFi product by opening the referral link from their friend (individuals who have previously applied for but did not successfully open or enroll in another SoFi product remain eligible)

Make deposits totaling $50 or more that are initiated during the 25 calendar day period beginning on the day after you register or log in as a SoFi user by opening the referral link. The 25-day period ends at 11:59 p.m. E.T. on the twenty fifth (25th) day following registration or login.

Qualifications & exceptions

• The account must be the recipient's first SoFi product.
• The 25-day period begins the day after registering or logging in through the referral link.

Charges & Financial Obligations · Restriction or exception

Which deposits count toward the $50 requirement: ACH, direct deposit, cash and wires count; P2P and FedNow do not

To satisfy the $50 funding requirement, deposits must be made by ACH transfer from a linked bank account, direct deposit, "Instant funding" from a debit card (if available), cash deposit, mobile check deposit (if available), or wire transfer. Peer-to-peer (P2P) transfers and instant transfers through the FedNow Service, including eligible instant payments sent from another financial institution, do not count. P2P transfers include ACH or debit-card-based transfers from services such as Venmo, PayPal, Apple Cash, Cash App, Zelle and similar services.

Supporting quotations

deposits must be made by ACH transfer from a linked bank account, direct deposit, “Instant funding” from a debit card (if available), cash deposit, mobile check deposit (if available), or wire transfer.

Peer-to-peer (P2P) transfers and instant transfers through the FedNow Service (including eligible instant payments sent from another financial institution) do not count toward the $50 funding requirement. P2P transfers include ACH or debit-card-based transfers made from services such as Venmo, PayPal, Apple Cash Cash App, Zelle, and similar services.

Qualifications & exceptions

• Instant funding and mobile check deposit count only "if available".
• P2P services listed are examples ("such as") and "similar services" are also covered.

Charges & Financial Obligations · Restriction or exception

SoFi Plus Additional Bonus needs the Standard Bonus plus a $10/month SoFi Plus subscription within 25 days

To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all Standard Bonus requirements and then subscribe to SoFi Plus for $10/month within 25 calendar days after registering or logging in as a SoFi user through the referral link. The $10/month SoFi Plus payment must be processed and validated by SoFi. The 25-day period begins the day after registration or login and ends at 11:59 p.m. E.T. on the twenty-fifth day. The recipient must open a SoFi Checking and Savings account before subscribing to SoFi Plus.

Supporting quotations

To be eligible for the SoFi Plus Additional Bonus, an Eligible Recipient must first satisfy all requirements for the Standard Bonus outlined above and then:

Subscribe to SoFi Plus for $10/month within 25 calendar days after registering or logging in as a SoFi user through the referral link. Your $10/month SoFi Plus payment must be processed and validated by SoFi.

The Eligible Recipient must open a SoFi Checking and Savings account before subscribing to SoFi Plus.

Qualifications & exceptions

• The subscription is $10/month and the payment must be processed and validated by SoFi.
• The recipient must open the Checking and Savings account before subscribing.

Charges & Financial Obligations · Company commitment

Standard Bonus: recipient gets $25; referrer gets $100 or $75 depending on status when the recipient signs up

Once both the referrer and recipient have met all eligibility requirements, SoFi credits each a cash bonus into their SoFi Checking account. The recipient receives $25 for opening a SoFi Checking and Savings account and making deposits totaling $50 or more. The referrer receives $100 if, at the time the recipient registers or logs in as a SoFi user (measured in Eastern Time), the referrer is a SoFi Plus Member, has received an Eligible Direct Deposit into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits. The referrer receives $75 if the referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit definition, or has not received $5,000 or more in Qualifying Deposits. Eligible Direct Deposit means a recurring ACH deposit of regular income, such as payroll, pension or government benefits, from an employer, payroll provider, benefits provider or government agency; non-recurring deposits such as IRS tax refunds, check deposits, P2P transfers, merchant transactions, ACH transfers from external bank accounts and wires do not qualify. Qualifying Deposits are deposits totaling $5,000 or more into the referrer's SoFi Checking and Savings account within a 31-calendar-day period, excluding transfers between the referrer's own SoFi accounts, interest, bonuses and credits, reversals or refunds. SoFi Bank assesses both in its sole discretion and may require documentation.

Supporting quotations

Once both the Eligible Bank Referrer and Eligible Recipient have met all eligibility requirements, SoFi will credit each party a cash bonus (each, a "Standard Bonus")

•$25 into their SoFi Checking account for opening a SoFi Checking and Savings account and making deposits totaling $50 or more.

The applicable Standard Bonus amount is determined based on the Eligible Bank Referrer's status at the time the Eligible Recipient registers or logs in as a SoFi user . This timing is determined in Eastern Time (E.T.).

$100 if the Eligible Bank Referrer is a SoFi Plus Member, has received an Eligible Direct Deposit (defined below) into their SoFi Checking and Savings account, or has received $5,000 or more in Qualifying Deposits (defined below).

$75 if the Eligible Bank Referrer is not a SoFi Plus Member, does not meet the Eligible Direct Deposit (defined below), or has not received $5,000 or more in Qualifying Deposits (defined below).

Eligible Direct Deposit means a recurring ACH deposit of regular income (such as payroll, pension, or government benefits, including Social Security) made to your SoFi Checking and Savings account by your employer, payroll provider, benefits provider, or a government agency. Deposits that are not from one of these sources or that are non-recurring in nature (such as IRS tax refunds) do not qualify.

Qualifying Deposits means one or more deposits, in the aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period.

Qualifications & exceptions

• The referrer's amount is determined by the referrer's status at the time the recipient registers or logs in, in Eastern Time.
• The $100 amount applies if any one of the three conditions is met.
• The $75 tier is worded with the same three tests joined by "or": "is not a SoFi Plus Member, does not meet the Eligible Direct Deposit, or has not received $5,000 or more".
• Eligible Direct Deposit and Qualifying Deposits are assessed by SoFi Bank in its sole discretion.

Not stated here

• Read literally, a referrer who meets one $100 test but fails another could fall within both the $100 and $75 descriptions; the text does not say which amount applies in that case.

Cross-references

• defined by (model-proposed): Eligible Direct Deposit means recurring regular-income ACH deposits; SoFi Bank decides in its sole discretion — The Definitions section defines Eligible Direct Deposit, which is one of the tests for the referrer's $100 Standard Bonus.

Charges & Financial Obligations · Company commitment

SoFi Plus Additional Bonus: $25 each for the recipient and the referrer

If the Eligible Recipient subscribes to SoFi Plus for $10/month and the payment is processed and validated by SoFi within 25 calendar days after opening the referral link and registering or logging in as a SoFi user, SoFi credits the recipient a $25 cash bonus and the referrer a $25 SoFi Plus Additional Bonus, each into their SoFi Checking account.

Supporting quotations

If the Eligible Recipient subscribes to SoFi Plus for $10/month and the payment is processed and validated by SoFi within 25 calendar days after opening the referral link and registering or logging in as a SoFi user, SoFi will credit:

The Eligible Recipient a $25 cash bonus (the "SoFi Plus Additional Bonus") into their SoFi Checking account; and

The Eligible Bank Referrer the SoFi Plus Additional Bonus of $25 into their SoFi Checking account.

Qualifications & exceptions

• The payment must be processed and validated by SoFi within 25 calendar days.

Charges & Financial Obligations · Company commitment

Bonuses are credited within seven business days of validation, and no later than 74 days after qualifying activity

Once all qualifying activities for a particular bonus are completed and validated by SoFi, that bonus is credited to your SoFi Checking account within seven business days, and in all cases no later than 74 days after the qualifying activities were completed. The Standard Bonus is earned after the recipient opens an account and completes deposits totaling $50 or more, with the referrer's $75 or $100 amount fixed when the recipient registers or logs in (E.T.). The SoFi Plus Additional Bonus can be earned only after the Standard Bonus requirements are satisfied and the recipient enrolls in SoFi Plus within the required timeframe. The two bonuses may be issued separately and at different times.

Supporting quotations

Once all qualifying activities for a particular bonus have been completed and validated by SoFi, that bonus payment will be credited to your SoFi Checking account within seven (7) business days. In all cases, bonus payments will be made no later than seventy-four (74) days after the applicable qualifying activities have been completed.

The Standard Bonus is earned after the Eligible Recipient opens a SoFi Checking and Savings account and completes deposits totaling $50 or more.

The SoFi Plus Additional Bonus may only be earned after the Standard Bonus requirements have been satisfied and the Eligible Recipient enrolls in SoFi Plus within the required timeframe.

Standard Bonus payments and SoFi Plus Additional Bonus payments may be issued separately and at different times.

Qualifications & exceptions

• Seven business days runs from completion and validation of qualifying activities for that bonus; the 74-day outer limit runs from completion of the qualifying activities.

Charges & Financial Obligations · Restriction or exception

Referrers need an open Checking and Savings account at payment time or SoFi need not pay the bonus

An Eligible Bank Referrer must have an open SoFi Checking and Savings account in good standing in order to receive any bonus payment. If the referrer does not have an open SoFi Checking and Savings account at the time the bonus payment is issued, SoFi is not obligated to make the bonus payment.

Supporting quotations

An Eligible Bank Referrer must have an open SoFi Checking and Savings account in good standing in order to receive any bonus payment. If the Eligible Bank Referrer does not have an open SoFi Checking and Savings account at the time the bonus payment is issued, SoFi is not obligated to make the bonus payment.

Qualifications & exceptions

• The test is the referrer's account status at the time the bonus payment is issued.

Charges & Financial Obligations · Restriction or exception

Recipients get referral bonuses only once, and referrers are capped at $10,000 a calendar year

An Eligible Recipient may receive referral bonuses only once, when opening their first SoFi Checking and Savings account. After opening it, they may participate as an Eligible Bank Referrer and earn bonuses for their qualifying referrals, subject to the Bank Referral Program terms. No Eligible Bank Referrer is entitled to more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year. The offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer". The terms also refer readers to the SoFi Referral Program Official Rules and full Bank Referral Program terms on SoFi's website.

Supporting quotations

See SoFi Referral Program Official Rules and full Bank Referral Program terms at:

An Eligible Recipient may receive referral bonuses only once when opening their first SoFi Checking and Savings account. After opening their account, they may then participate as an Eligible Bank Referrer and earn referral bonuses for their qualifying referrals, subject to the terms of the Bank Referral Program.

In no event will any Eligible Bank Referrer be entitled to receive more than $10,000 in cumulative referral or direct deposit bonuses under all available SoFi referral programs within any calendar year.

This offer cannot be combined with the SoFi Checking and Savings "Account $20 Open Offer."

Qualifications & exceptions

• The $10,000 cap is stated per Eligible Bank Referrer, cumulative across all available SoFi referral programs, per calendar year.

Not stated here

• The Official Rules and full Bank Referral Program terms at the linked page were not supplied beyond the text in this document.

Charges & Financial Obligations · Company practice

Bonuses may be reported to the IRS; SoFi may exclude members and seek reimbursement of bonuses

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable), and SoFi says it is required to do this reporting. Recipients are responsible for applicable taxes and are told to consult a tax advisor. SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse or suspicious activity, and to seek reimbursement from any customer of amounts paid as referral bonuses to customers who violate the referral program's terms. Deducting such amounts from an account may in certain circumstances result in a negative balance.

Supporting quotations

Bonuses are considered miscellaneous income and may be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). SoFi is required to do this reporting in compliance with applicable federal and state reporting requirements.

SoFi reserves the right to exclude any Member from participating in the Program for any reason, including suspected fraud, misuse, or suspicious activity. Furthermore, SoFi reserves the right to seek reimbursement from any customer of amounts paid as referral bonuses to customers who violate the terms and conditions of the referral program. Please note that in certain circumstances the deduction of such amounts from their account may result in a negative balance.

Qualifications & exceptions

• Exclusion is stated to be possible "for any reason", with suspected fraud, misuse and suspicious activity given as examples.

Account & Service Control · Restriction or exception

For joint accounts, only the primary holder who opens the account is an Eligible Recipient

Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses. The secondary account holder added to the joint account is not an Eligible Recipient for this offer and will not receive referral bonuses for joining the account, but can still refer new members and earn referral bonuses for their own successful referrals.

Supporting quotations

Joint Accounts

Only the primary account holder who opens the new joint Checking and Savings account can be an Eligible Recipient for the referral bonuses.

The secondary account holder added to the joint account is not considered an Eligible Recipient for this offer and will not receive referral bonuses for joining the joint account.

The secondary account holder can still refer new members and earn referral bonuses for their own successful referrals.

Charges & Financial Obligations · Context

Eligible Direct Deposit means recurring regular-income ACH deposits; SoFi Bank decides in its sole discretion

Eligible Direct Deposit means a recurring ACH deposit of regular income (such as payroll, pension or government benefits, including Social Security) made to your SoFi Checking and Savings account by your employer, payroll provider, benefits provider or a government agency. Deposits from other sources or non-recurring deposits, such as IRS tax refunds, do not qualify. Examples of ineligible deposits include check deposits, P2P transfers, merchant transactions, ACH transfers from external bank accounts and wire transfers. No minimum amount is required. SoFi Bank, in its sole discretion, assesses Eligible Direct Deposit activity and may require additional documentation. Because some employers or agencies do not designate payments as direct deposit, a referrer who believes they satisfied the requirements but did not receive the correct bonus can contact SoFi with details, and after SoFi validates them the correct bonus will be paid.

Supporting quotations

Definitions

Eligible Direct Deposit means a recurring ACH deposit of regular income (such as payroll, pension, or government benefits, including Social Security) made to your SoFi Checking and Savings account by your employer, payroll provider, benefits provider, or a government agency. Deposits that are not from one of these sources or that are non-recurring in nature (such as IRS tax refunds) do not qualify.

There is no minimum Eligible Direct Deposit amount required. SoFi Bank, in its sole discretion, will assess Eligible Direct Deposit activity and may require additional documentation to verify eligibility.

If the Eligible Bank Referrer has satisfied the Eligible Direct Deposit requirements but has not received the correct cash bonus in the respective Checking account, please contact us at 855-456-7634 with the details of your initial Eligible Direct Deposit. After SoFi validates the details of the Eligible Direct Deposit, Eligible Bank Referrer's correct bonus will be paid.

Qualifications & exceptions

• The ineligible examples are introduced as "examples" and are not stated to be a closed list.

Cross-references

• defines (model-proposed): Standard Bonus: recipient gets $25; referrer gets $100 or $75 depending on status when the recipient signs up — The Definitions section defines Eligible Direct Deposit, which is one of the tests for the referrer's $100 Standard Bonus.

Charges & Financial Obligations · Context

Qualifying Deposits are $5,000 or more in a 31-day period into the referrer's account, with listed exclusions

Qualifying Deposits means one or more deposits, in aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period. They may include ACH transfers, inbound wire transfers, peer-to-peer transfers, check deposits, instant funding or push payments to the SoFi Debit Card, and cash deposits. They do not include transfers between the referrer's own SoFi accounts (including Checking, Savings, Invest accounts or Vaults), interest payments, bonuses issued by SoFi or its affiliates, or credits, reversals or refunds from SoFi or a merchant. SoFi Bank, in its sole discretion, assesses Qualifying Deposits and may require additional documentation.

Supporting quotations

Qualifying Deposits means one or more deposits, in the aggregate, totaling $5,000 or more into an Eligible Bank Referrer's SoFi Checking and Savings account within a 31-calendar-day period.

Qualifying Deposits do not include transfers between Eligible Bank Referrer's own SoFi accounts (including SoFi Checking, Savings, Invest accounts, or Vaults), interest payments, bonuses issued by SoFi or its affiliates, or credits, reversals, or refunds from SoFi or a merchant. SoFi Bank, in its sole discretion, will assess Qualifying Deposits and may require additional documentation to verify eligibility.

Charges & Financial Obligations · Company practice

Savings rates are variable and current as of 10/20/26; SoFi Plus members earn a tiered 4.70% or 3.30% APY

Rates are variable and subject to change at any time, and are stated to be current as of 10/20/26. No minimum balance is required, and fees may reduce earnings. For SoFi Plus members, SoFi Savings is a tiered-rate account that earns 4.70% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account and 3.30% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning 4.70% APY. Terms apply at the SoFi Plus section of the Terms of Use.

Supporting quotations

Interest Rates:

Rates are variable and are subject to change at any time.

Rates are current as of 10/20/26.

No minimum balance is required. Fees may reduce earnings.

For SoFi Plus members, SoFi Savings is a tiered-rate account. Earn 4.70% Annual Percentage Yield (APY) on up to $20,000 in one SoFi Savings account, and 3.30% APY on all other Savings balances with a SoFi Plus membership. Promotional APY boost offers cannot be combined on balances earning a 4.70% APY.

Qualifications & exceptions

• The 4.70% APY applies to up to $20,000 in one SoFi Savings account, for SoFi Plus members.
• The 3.30% APY applies to all other Savings balances with a SoFi Plus membership.
• Rates are variable and stated as current as of 10/20/26.

Not stated here

• The agreement is dated "Last Updated: September 17, 2026", but this passage states rates current as of 10/20/26; the text does not explain the later date.
• The rate for savers who are not SoFi Plus members is not stated in this passage.

Charges & Financial Obligations · Company commitment

Credit Score Monitoring referral: 1,000 rewards points ($10) each when the person activates within 60 days

SoFi gives you 1,000 rewards points (equivalent to $10) if the person you refer registers to use and successfully activates SoFi Credit Score Monitoring within 60 days of clicking your unique referral link. Eligible Referrers do not earn points if the recipient already has or had another SoFi product, or does not use the unique referral link. To refer others and receive points, referrers must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program Terms and Conditions. Once qualifications are met, SoFi credits the recipient 1,000 points and the referrer 1,000 points within 7 business days.

Supporting quotations

Credit Score Monitoring Referral Program

SoFi will give you 1,000 rewards points (equivalent to $10) if the person you refer registers to use, and successfully activates SoFi Credit Score Monitoring within 60 days of clicking on your unique referral link. Eligible Referrers will not earn rewards points if the Eligible Recipient already has or had another SoFi product, or does not use the unique referral link.

Eligible Referrers must be actively enrolled in credit score monitoring and accept the SoFi Member Rewards Program

(a) credit Eligible Recipients 1,000 rewards points and (b) credit the Eligible Referrer 1,000 rewards points (equivalent to $10) within 7 business days

Qualifications & exceptions

• The 60 days run from the recipient clicking the unique referral link.
• No points if the recipient already has or had another SoFi product.

Charges & Financial Obligations · Restriction or exception

Crypto products are not FDIC insured and may lose value; the Crypto Referral Program is no guarantee of access

The Crypto Referral Program terms state that cryptocurrency and other digital assets are not FDIC insured, are not bank guaranteed and may lose value. SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion's terms and does not constitute an offer or guarantee of access to cryptocurrency-related products or services. Cryptocurrency and other digital assets are described as highly speculative and involving significant risk, including the potential for complete loss of value.

Supporting quotations

Crypto Referral Program

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi cryptocurrency products and services are offered by SoFi Bank, N.A., subject to applicable regulatory approvals. Participation is subject to the promotion’s terms and conditions and does not constitute an offer or guarantee of access to cryptocurrency-related products or services.

Cryptocurrency and other digital assets are highly speculative and involve significant risk, including the potential for complete loss of value.

Qualifications & exceptions

• Crypto products are offered by SoFi Bank, N.A., subject to applicable regulatory approvals.

Charges & Financial Obligations · Context

The Crypto Referral Program runs February 4 to December 31, 2026 and may expire at any time

The Crypto Referral Program terms govern participation during the Promotion Period, which runs from February 4, 2026 at 12:00 a.m. E.T. to December 31, 2026 at 11:59 p.m. E.T. The offer is described as limited-time, with limited availability, and subject to expire at any time.

Supporting quotations

The following terms and conditions govern your participation in the SoFi Crypto Referral Program (“Crypto Referral Program”) during the Promotion Period (as defined below).

PROMOTION PERIOD: February 4, 2026 at 12:00 a.m. E.T. – December 31, 2026 at 11:59 p.m. E.T.

This is a limited-time offer from SoFi with limited availability, and is subject to expire at any time.

Qualifications & exceptions

• The Promotion Period is stated in Eastern Time.

Charges & Financial Obligations · Restriction or exception

Crypto referral needs both parties to hold accounts and the referred member to buy at least $50 of crypto in 30 days

To receive the crypto referral bonus, the referrer must share their unique referral link with the referred member during the Promotion Period and have BOTH an existing SoFi Checking and Savings account AND an existing SoFi Crypto account at the time the referred member opens their SoFi Crypto Account. The referred member must click the referrer's link during the Promotion Period, apply and successfully open BOTH a SoFi Crypto account AND a SoFi Checking and Savings account, and make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the link. A qualifying crypto purchase is a successful SoFi Crypto purchase of Supported Digital Assets (cryptocurrencies or stablecoins) that is funded directly from the member's SoFi Checking and Savings.

Supporting quotations

To receive the crypto referral bonus, a referrer must complete the following required activities:

(1) Share their unique referral link during the Promotion Period to the referred member. (2)Have BOTH an existing SoFi Checking and Savings account AND an existing SoFi Crypto account at the time the referred member opens their SoFi Crypto Account.

(1) Click the referrer’s unique referral link during the Promotion Period (2) Apply and successfully open BOTH a SoFi Crypto AND a SoFi Checkings and Savings account (3) Make a single qualifying crypto purchase of at least $50 within 30 calendar days of clicking the referral link.

A qualifying crypto purchase means a successful SoFi Crypto purchase transaction to buy Supported Digital Assets: (i) cryptocurrencies (ii) stablecoins. A qualifying crypto purchase must be funded directly from your Sofi Checking and Savings.

Qualifications & exceptions

• The 30 days run from clicking the referral link.
• The purchase must be a single purchase of at least $50, funded directly from SoFi Checking and Savings.

Not stated here

• The list of Supported Digital Assets is not given in this passage.

Charges & Financial Obligations · Company commitment

Crypto referral bonus: $25 each, credited within seven business days, with no bonus for earlier Crypto account holders

Once the referrer and referred member have completed all required activities, SoFi credits each a one-time $25 cash bonus into their SoFi Checking and Savings account. Payments are credited within seven business days following SoFi's confirmation that all required activities were completed. Referrers do not earn a bonus if the referred member previously opened a SoFi Crypto Account or does not use the referrer's unique link to open a SoFi Crypto account during the Promotion Period.

Supporting quotations

Once the referrer and the referred member have completed all required activities, SoFi will: (1) credit the referrer a one-time cash bonus of $25 into their SoFi Checking and Savings account AND (2) credit the referred member a one-time cash bonus of $25 into their SoFi Checking and Savings account.

Bonus payments will be credited to the referrer and the referred member’s respective SoFi Checking and Savings account within seven (7) business days following confirmation by SoFi that all required activities have been completed by the referrer and referred member.

Referrers will not earn a referral bonus if the referred member has previously opened a SoFi Crypto Account or does not use the unique referral link provided by the referrer to open a SoFi Crypto account during the Promotion Period.

Qualifications & exceptions

• Seven business days run from SoFi's confirmation that all required activities were completed.

Charges & Financial Obligations · Restriction or exception

Crypto referral: $10,000 yearly cap, tax reporting, and SoFi's right to disqualify, withhold, revoke or end the offer

No referrer or referred member is entitled to more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable). The offer can be combined with other SoFi Crypto promotions. SoFi reserves the right to disqualify any participant at its sole discretion, including for actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of the terms. SoFi also reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend or terminate the offer or the referral program at any time without notice.

Supporting quotations

In no event will any referrer or referred member be entitled to receive more than $10,000 in cumulative referral or welcome bonuses under all available SoFi referral programs within any calendar year. Bonuses are considered miscellaneous income, and will be reportable to the IRS on Form 1099-MISC (or Form 1042-S, if applicable).

This offer can be combined with other SoFi Crypto promotions

SoFi reserves the right to disqualify any participant from the referral program at its sole discretion, including but not limited to cases of actual or suspected fraud, abuse, gaming of the program, or conduct inconsistent with the spirit or intent of these terms. •SoFi further reserves the right to verify eligibility, withhold or revoke any bonus, or modify, suspend, or terminate this offer or the referral program at any time without notice.

Qualifications & exceptions

• The cap covers both referrers and referred members, cumulative across all available SoFi referral programs, per calendar year.
• Disqualification examples are introduced with "including but not limited to".

Account & Service Control · Context

The SoFi Member Rewards Program is free to join and is governed by the Program Terms and the Terms of Use

Social Finance, LLC and its affiliates operate the SoFi Member Rewards program, through which consumers who choose to join and accept the Program Terms can earn and redeem points. By clicking the "Join for free" button on the Program enrollment screen you agree that your enrollment is governed by the Program Terms and SoFi's Terms of Use applicable to www.sofi.com. There is no cost to participate in the Program.

Supporting quotations

SoFi Member Rewards Program

Social Finance, LLC, and its affiliates (“SoFi”) operate the SoFi Member Rewards program (the “Program”), through which consumers who choose to join the Program (“Members”, “you”, or “your”) and accept these terms ( the “Program Terms”) can earn and redeem points as described below.

By clicking the “Join for free” button on the Program enrollment screen you agree that your enrollment in the Program will be governed by these Program Terms and SoFi’s Terms of Use

There is no cost to you to participate in the Program.

Qualifications & exceptions

• Enrollment is by clicking the "Join for free" button on the Program enrollment screen.

Account & Service Control · Restriction or exception

Member Rewards is open to current Members in good standing who enrolled, and SoFi may contact you about it

The SoFi Member Rewards Program is open to all current Members who are in good standing with any loan, account or other product they have with SoFi, and who have registered on SoFi's website and agreed to the Program Terms. Information you provide to SoFi or its affiliates in connection with the Program is subject to SoFi's Privacy Policy. SoFi may send communications about the Program to any mailing address, email address or telephone number in its records or that you have provided.

Supporting quotations

is open to all current Members, who are in good standing with any loan, account or other product they may have with SoFi, and who have registered on SoFi’s website

Any information you provide to SoFi or its affiliates in connection with this Program is subject to

We may send you communications about this program to any mailing address, email address, or telephone number in our records or that you have provided to us.

Qualifications & exceptions

• Eligibility requires good standing with any SoFi product, registration on SoFi's website, and agreement to the Program Terms.
• Communications may go to any address, email or telephone number in SoFi's records or provided by you.

Not stated here

• SoFi's Privacy Policy was not supplied with this document.

Charges & Financial Obligations · Company practice

Members earn points for activities such as linking accounts, and SoFi can change the ways to earn at any time

The Member Rewards Program lets you earn points from activities such as linking your first non-SoFi account to SoFi Coach, signing up for Credit Score Monitoring (for new SoFi members), activating your SoFi Debit Mastercard, and setting up Billpay from your SoFi Money or SoFi Checking account. The ways to earn are subject to change at any time. The terms of specific promotional offers listed in the "Ways to earn" section govern the number of points earned for those offers and may differ from terms for other customers. Some state restrictions may apply.

Supporting quotations

The SoFi Member Rewards Program allows you to earn points from activities such as:

Linking your first non-SoFi account to SoFi Coach

Signing up for Credit Score Monitoring (for new SoFi members)

Activating your SoFi Debit Mastercard

Setting up Billpay from your SoFi Money® or SoFi Checking account

The ways to earn rewards points are subject to change at any time.

The terms of the specific promotional offers listed in the “Ways to earn” section will govern the number of rewards points you will earn in association with those promotional offers and may differ from the terms for other customers. Some state restrictions may apply.

Qualifications & exceptions

• The listed activities are examples ("such as").
• Credit Score Monitoring sign-up earns points for new SoFi members.

Not stated here

• The "Ways to earn" section and its point values were not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Points can't be redeemed before you enroll, and expire if you don't enroll or hold a qualifying product for 90 days

No points may be redeemed before you accept the Program Terms and enroll through the Membership & Rewards hub. Members must enroll by clicking "Join for free" on the enrollment screen and obtain one of SoFi Checking and Savings, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan or Student Loan Refinance within 90 days of earning any points. Co-signers of Personal Loans, Private Student Loans and Student Loan Refinance do not qualify as having obtained a product. If at any time after earning points a Member has not enrolled by clicking "Join for free" or does not have a product into which points can be redeemed for ninety consecutive days, the points expire and are forfeited. SoFi may modify or discontinue promotional offers for earning points at any time, with or without notice.

Supporting quotations

No points may be redeemed prior to your acceptance of these Program Terms and your enrollment in the Program through the Membership & Rewards hub.

Members must enroll for the Program by clicking “Join for free” on the Program enrollment screen and obtain one of the following products within 90 days of earning any points: SoFi Checking and Savings, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan, or Student Loan Refinance. Co-signers of Personal Loans, Private Student Loans and Student Loan Refinance do not qualify as having “obtained” a product.

does not have a product for which points can be redeemed into for a period of ninety (90) consecutive days, such points will expire and be forfeited. SoFi reserves the right to modify or discontinue any promotional offers for points earnings at any time, and with or without notice to you.

Qualifications & exceptions

• The 90-day product requirement runs from earning any points.
• Expiry applies after 90 consecutive days without enrollment or a product points can be redeemed into.

Charges & Financial Obligations · Restriction or exception

Points are not your property, have no cash value, and generally cannot be transferred

Points are not your property and have no cash value. You cannot transfer or move points unless expressly provided for in the agreement, and points cannot be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce.

Supporting quotations

Points aren’t your property and have no cash value. You can’t transfer or move points unless expressly provided for in this agreement. Additionally, points can’t be transferred by operation of law, such as by inheritance, in bankruptcy or in connection with a divorce.

Charges & Financial Obligations · Procedure

Points can be redeemed toward active SoFi accounts or SoFi Travel, and redemption terms can change

Points may be redeemed toward active SoFi accounts, including (but not limited to) Checking or Savings, SoFi Money, SoFi Active Invest, SoFi Credit Card, SoFi Personal Loan, Private Student Loan or Student Loan Refinance, or toward SoFi Travel purchases. Points can be redeemed one time or monthly through auto-redemption set up in the SoFi app. The ways to redeem are subject to change at any time, and the terms of promotional offers on the "Redeem" page may contain separate eligibility requirements and may differ from terms for other customers. To the extent the Program Terms conflict with a promotional offer's separate terms, the Program Terms govern how points are earned and the specific promotional terms govern how points are redeemed for the offer. SoFi may modify or discontinue redemption offers at any time, with or without notice, and redemptions may be conditional upon your being a SoFi customer with at least one active SoFi product.

Supporting quotations

Rewards points may be redeemed toward active SoFi accounts, including but not limited to, your SoFi Checking or Savings account, SoFi Money® account, SoFi Active Invest account, SoFi Credit Card account, SoFi Personal Loan, Private Student Loan, Student Loan Refinance, or toward SoFi Travel purchases.

The ways to redeem rewards points are subject to change at any time.

Rewards points may be redeemed on a one-time basis or on a monthly basis when set up through auto-redemption.

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.

SoFi reserves the right to modify or discontinue any promotional offers for points redemptions at any time, and with or without notice to you. Points redemptions may be conditional upon you being a SoFi customer with at least one active SoFi product.

Qualifications & exceptions

• Redemption may be conditional upon being a SoFi customer with at least one active SoFi product.
• The conflict rule splits earning (Program Terms govern) from redemption (specific promotional terms govern).

Not stated here

• The "Redeem" page and its promotional offers were not supplied with this document.

Account & Service Control · Restriction or exception

SoFi may limit or prohibit your use, earning, keeping or redeeming of points if you are in bad standing

SoFi in its sole discretion may prohibit or limit your ability to use, earn, keep or redeem points, in whole or in part and at any time, if you are a SoFi Member in "bad standing". Bad standing includes, but is not limited to: being delinquent or having defaulted on a SoFi Credit Card or loan product; having a negative balance in SoFi Money, SoFi Checking, SoFi Savings or any SoFi Active Invest Account; SoFi believing you have violated any applicable law in connection with the Program; or SoFi believing you have committed any fraudulent acts in connection with the Program.

Supporting quotations

Points Restriction

SoFi in its sole discretion may prohibit or limit your ability to use, earn, keep or redeem points, in whole or in part, and at any time, if you are a SoFi Member in “bad standing”.

a Member in “bad standing” includes but is not limited to the following: if you are delinquent or have defaulted on a SoFi Credit Card or loan product; if you have a negative balance in your SoFi Money, SoFi Checking, or SoFi Savings or any of your SoFi Active Invest Accounts; if we believe you have violated any applicable law in connection with this Program; or if we believe you have committed any fraudulent acts in connection with this Program.

Qualifications & exceptions

• The bad standing list is introduced with "includes but is not limited to".

Charges & Financial Obligations · Restriction or exception

Rewards may be taxable income you must handle, and SoFi is not responsible for disputes with joint holders or users

Your participation in the Member Rewards Program may result in taxable income from SoFi, and SoFi may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements, related to your participation. SoFi is not responsible for any dispute you may have in connection with the Program with an authorized user or joint account holder on any of your accounts.

Supporting quotations

Your participation in this Program may result in the receipt of taxable income from SoFi and we may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements, related to your participation in the Program.

We are not responsible for any dispute you may have in connection with this Program with an authorized user or joint account holder on any of your accounts.

Qualifications & exceptions

• Taxable income and Form 1099 reporting are stated as possibilities ("may result", "may be required").

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.

Account & Service Control · Context

SoFi Plus is a premium membership; members who pay $10 every month qualify

SoFi Plus is a premium membership that gives members access to SoFi's best rewards, benefits and more. New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members. All applicable SoFi Plus terms and conditions apply, and the SoFi Plus page has more on available benefits and terms. This SoFi Plus section is marked "Last Updated: October 20, 2026".

Supporting quotations

Last Updated: October 20, 2026

SoFi Plus is a premium membership that gives members access to our best rewards, benefits, and more.

New and existing SoFi members who pay the SoFi Plus Subscription Fee of $10 every month qualify as SoFi Plus members.

Qualifications & exceptions

• Qualification is by paying the $10 monthly SoFi Plus Subscription Fee.

Not stated here

• The SoFi Plus section carries its own "Last Updated: October 20, 2026" line, later than the agreement's "Last Updated: September 17, 2026"; the text does not explain the difference.
• The SoFi Plus page that lists benefits and terms was not supplied with this document.

Charges & Financial Obligations · Permission or license

SoFi Plus fees are paid by recurring ACH debit or card charge that you authorize monthly

Members may pay the SoFi Plus Subscription Fee by ACH transfer from a SoFi Checking or Savings account, or by credit or debit card. By submitting payment through the SoFi mobile app or website you authorize SoFi to initiate monthly ACH debits of your SoFi Checking or Savings account, or to charge the card entered on the payment page every month, for the Subscription Fee. The authorization remains in effect until you update your payment method or cancel your subscription as described in the Canceling Payments section. SoFi may modify the Subscription Fee or billing interval upon advance notice. If SoFi determines there are insufficient funds in your SoFi Checking or Savings account you will be prompted to add funds, and if you fail to, SoFi may terminate your SoFi Plus benefits. If your selected card payment method fails, you will not be enrolled as a SoFi Plus member.

Supporting quotations

Members may use the following payment methods to pay the SoFi Plus Subscription Fee.

By submitting payment for the SoFi Plus Subscription Fee via the SoFi mobile app or website, you authorize SoFi to initiate ACH transfers every month to SoFi by debiting your SoFi Checking or Savings account for the amount of the SoFi Plus Subscription Fee stated in section 10(a)(ii) herein.

SoFi may modify the Subscription Fee or billing interval upon advance notice to you. This authorization for recurring debits will remain in effect until you update your payment method or cancel your subscription, as described in the “Canceling Payments” section herein.

If you fail to add funds to your SoFi Checking or Savings account, SoFi reserves the right to terminate your SoFi Plus benefits.

you authorize SoFi to charge the credit card or debit card entered on the SoFi Plus Subscription Fee payment page every month.

If your selected payment method fails, you will not be enrolled as a SoFi Plus member.

Qualifications & exceptions

• The authorization is recurring and continues until you update your payment method or cancel.
• Fee or billing interval changes are made upon advance notice; the length of notice is not stated.
• The consequence of an insufficient-funds failure differs by method: benefits may be terminated for ACH, and enrollment does not occur for a failed card payment.

Not stated here

• The text cites the fee as "stated in section 10(a)(ii) herein"; no numbered section 10 appears in the supplied text. The $10 monthly fee appears in the SoFi Plus eligibility paragraph instead.
• The length of advance notice before a fee or billing interval change is not stated.

Charges & Financial Obligations · Procedure

The SoFi Plus billing cycle starts when you click Join SoFi Plus, with weekend and short-month adjustments

Your billing cycle start date is the date you click "Join SoFi Plus" in the SoFi mobile app or website. You receive an email notification of the start of your subscription and another upon SoFi's receipt of each Subscription Fee payment. If your billing date falls on a weekend, federal holiday or other non-business day, the payment is processed on the next business day. If your billing date does not exist in a given month (for example the 31st), you are charged on the last day of that month.

Supporting quotations

Your billing cycle start date is the date on which you click “Join SoFi Plus” via the SoFi mobile app or website. Upon clicking “Join SoFi Plus,” you will receive an email notification of the start of your SoFi Plus subscription. You will also receive an email notification upon SoFi’s receipt of each SoFi Plus Subscription Fee payment.

If your billing date falls on a weekend, federal holiday, or other non-business day, your subscription payment will be processed on the next business day. If your billing date falls on a day that does not exist in a given month (e.g., the 31st), you will be charged on the last day of that month.

Charges & Financial Obligations · Procedure

Cancel SoFi Plus by 7:59 p.m. P.T. at least one day before renewal; no partial refunds

You can cancel your authorization of future ACH transfers or card payments at any time by logging in and canceling your SoFi Plus subscription on the subscription management page. To avoid being charged for the next billing period you must cancel by 7:59 p.m. P.T. at least one calendar day before the renewal date; if the request is submitted after that, you may be charged for the subsequent billing period. SoFi will not issue a partial refund for canceling before the end of a billing cycle. After a successful cancellation you continue to enjoy SoFi Plus benefits until the last day of your current billing cycle.

Supporting quotations

You can cancel your authorization of future ACH transfers or future credit card or debit card payments at any time by logging into your SoFi account and canceling your SoFi Plus subscription on the subscription management page.

You must cancel your SoFi Plus subscription by 7:59 p.m. P.T. at least one (1) calendar day before the subscription renewal date to avoid being charged the SoFi Plus Subscription Fee for the next billing period. If a cancellation request is submitted after this time, you may be charged for the subsequent billing period.

SoFi will not issue a partial refund for canceling a SoFi Plus subscription before the end of a billing cycle. Upon successful cancellation, you will continue to enjoy all SoFi Plus benefits until the last day of your current billing cycle.

Qualifications & exceptions

• The cutoff is 7:59 p.m. P.T. at least one calendar day before the subscription renewal date.
• Benefits continue until the last day of the current billing cycle.

Account & Service Control · Restriction or exception

You may enroll in SoFi Plus only if legally authorized and of legal age

You may only enroll in SoFi Plus if you are legally authorized to accept and be bound by these terms and of a legal age to enter the Agreement.

Supporting quotations

You may only enroll in SoFi Plus if you are legally authorized to accept and be bound by these terms and are of a legal age to enter this Agreement.

Charges & Financial Obligations · Company practice

Joining SoFi Plus enables Overdraft Protection by linking your Checking to your Savings, which you can turn off

When you join SoFi Plus, if you have existing SoFi Checking and Savings accounts, SoFi enables Overdraft Protection by linking your individual Checking account to your individual Savings account, and your joint Checking account to your joint Savings account, as applicable. SoFi can then use available funds in your Savings account to pay overdrafts in your Checking account, and charges no fee for such transfers. The funds applied are limited to Savings deposits not allocated to a Vault. You may disable Overdraft Protection at any time so long as all authorized debit card transactions have settled. All Checking and Savings account holders can enable or disable it in the SoFi app or website. The SoFi Deposit Account Agreement has further details.

Supporting quotations

When you join SoFi Plus, if you have existing SoFi Checking and Savings accounts, SoFi will enable Overdraft Protection by linking your individual SoFi Checking Account to your individual SoFi Savings Account, and linking your joint SoFi Checking Account to your joint SoFi Savings Account, as applicable.

SoFi will not charge a fee for such transfers. Please note that the funds applied to this overdraft protection feature will be limited to SoFi Savings Account deposits which are not allocated to a Vault.

You may disable Overdraft Protection at any time so long as all authorized debit card transactions have settled.

Qualifications & exceptions

• Applies if you have existing SoFi Checking and Savings accounts when you join SoFi Plus.
• Funds used are limited to Savings deposits not allocated to a Vault.
• Disabling is allowed only after all authorized debit card transactions have settled.

Not stated here

• The SoFi Deposit Account Agreement, which has further details of Overdraft Protection, was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

SoFi Plus benefits may be taxable income, and SoFi is not responsible for disputes with joint holders or users

Participation in the SoFi Plus Benefits Program may result in taxable income from SoFi, and SoFi may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements. SoFi is not responsible for any dispute you may have in connection with the SoFi Plus Benefits Program with an authorized user or joint account holder on any of your accounts.

Supporting quotations

Your participation in this SoFi Plus Benefits Program may result in the receipt of taxable income from SoFi and we may be required to send you, and file with the IRS, a Form 1099. You are responsible for any tax liability, including disclosure requirements, related to your participation in the SoFi Plus Benefits Program. We are not responsible for any dispute you may have in connection with this SoFi Plus Benefits Program with an authorized user or joint account holder on any of your accounts.

Account & Service Control · Permission or license

SoFi may remove you from SoFi Plus and end all benefits if you are in bad standing or no longer eligible

SoFi in its sole discretion may remove you from the SoFi Plus Benefits Program and terminate all benefits if you are a SoFi Plus member in "bad standing" or if SoFi no longer believes you meet the eligibility criteria. Bad standing includes, but is not limited to: being delinquent or having defaulted on a SoFi loan product; a negative balance in SoFi Checking, SoFi Savings or any SoFi Invest Accounts; SoFi believing you have violated any applicable law in connection with the Program; or SoFi believing you have committed any fraudulent, deceptive or abusive acts in connection with the Program.

Supporting quotations

SoFi in its sole discretion may remove you from this SoFi Plus Benefits Program and terminate all benefits if you are a SoFi Plus member in “bad standing” or if SoFi no longer believes you meet the eligibility criteria.

a SoFi Plus member in “bad standing” includes but is not limited to the following: if you are delinquent or have defaulted on a SoFi loan product; if you have a negative balance in your SoFi Checking, or SoFi Savings or any of your SoFi Invest Accounts; if we believe you have violated any applicable law in connection with this SoFi Plus Benefits Program; or if we believe you have committed any fraudulent, deceptive, or abusive acts in connection with this SoFi Plus Benefits Program.

Qualifications & exceptions

• The bad standing list is introduced with "includes but is not limited to".
• Removal can also follow SoFi no longer believing you meet the eligibility criteria.

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.

Charges & Financial Obligations · Company commitment

SoFi Plus APY: 4.70% on up to $20,000 in one Savings account per member and 3.30% on other Savings balances

As a SoFi Plus benefit, SoFi Savings is a tiered-rate account (the "SoFi Plus APY"): SoFi Plus members earn 4.70% Annual Percentage Yield on balances up to $20,000 in one SoFi Savings account per SoFi Plus member, and 3.30% APY on all other Savings balances. The Agreement refers to the SoFi Bank Rate Sheet for full details and additional rates.

Supporting quotations

4.70% Annual Percentage Yield (APY) on SoFi Savings balances up to $20,000 and 3.30% APY on all other Savings balances (the “SoFi Plus APY”):

For SoFi Plus members, SoFi Savings is a tiered-rate account.

4.70% APY: SoFi Plus members earn 4.70% APY on balances up to $20,000 in one SoFi Savings account per SoFi Plus member.

Qualifications & exceptions

• The 4.70% tier applies to one SoFi Savings account per SoFi Plus member.
• The 3.30% tier applies to all other Savings balances.

Not stated here

• The SoFi Bank Rate Sheet was not supplied with this document.

Charges & Financial Obligations · Restriction or exception

Joint accounts: how the 4.70% APY applies, up to $40,000 combined when both holders are SoFi Plus members

The 4.70% APY on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, and is applied to the individual Savings account if one exists. If you have only a joint Savings account, you receive 4.70% on balances up to $20,000 in the joint account. If your joint account holder is also a SoFi Plus member and has only a joint Savings account, 4.70% applies on up to an additional $20,000, resulting in 4.70% on combined balances up to $40,000. That $40,000 treatment applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member.

Supporting quotations

An APY of 4.70% on Savings balances up to $20,000 is available for one Savings account per SoFi Plus member, which will be applied to the individual Savings account if an individual Savings account exists. If you have a joint Savings account only, you will receive an APY of 4.70% on Savings balances up to $20,000 in your joint Savings account.

If your joint account holder is also a SoFi Plus member and only has a joint Savings account, an APY of 4.70% on Savings balances up to an additional $20,000 will be applied to the joint Savings account, resulting in an APY of 4.70% on combined Savings balances up to $40,000. This 4.70% APY for balances up to $40,000 applies only while the joint Savings account remains the only SoFi Savings account for each SoFi Plus member.

Qualifications & exceptions

• With an individual Savings account, the 4.70% tier applies to that account.
• The $40,000 combined treatment needs both holders to be SoFi Plus members with the joint account as each one's only SoFi Savings account.

Charges & Financial Obligations · Company practice

Rates are set from all your accounts, and your highest APY applies to up to $20,000 including Vault balances

SoFi determines the rates applicable to your accounts based on all SoFi Checking and Savings accounts associated with you, including joint and individual accounts. These determinations are made on an ongoing basis, and rates may change if accounts are opened or closed. As a SoFi Plus member, your highest APY applies to up to $20,000 in your tiered-rate Savings account, including balances held in Vaults. The extra interest from the highest APY, the difference from the rate otherwise applying to your other Savings balances, is called incremental interest. Incremental interest is always credited to your Savings account even if the balance that earned it is held in Vaults, while interest on all other balances is credited to the Savings account or Vault where that balance is held. The SoFi Bank Rate Sheet has current rates.

Supporting quotations

We determine rates applicable to your account(s) based on all SoFi Checking and Savings accounts associated with you, including joint and individual accounts. These determinations are made on an ongoing basis, and the rates applicable to your accounts may change if accounts are opened or closed.

As a SoFi Plus member, your highest APY applies to up to $20,000 in your tiered-rate Savings account, including balances held in Vaults.

The extra interest you earn from your highest APY — the difference between that rate and the rate that otherwise applies to your other Savings balances — is called incremental interest.

Incremental interest is always credited to your Savings account, even if some or all of the balance that earned it is held in one or more Vaults.

Interest earned on all other balances is credited to the Savings account or Vault where that balance is held.

Qualifications & exceptions

• Rates are determined on an ongoing basis and may change when accounts are opened or closed.

Not stated here

• The SoFi Bank Rate Sheet was not supplied with this document.

Charges & Financial Obligations · Company commitment

A 3.30% APY applies to other Plus Savings balances, and to all balances for direct-deposit or $5,000 account holders

A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.70% APY, across both individual and joint SoFi Savings accounts, so the APY on your entire balance ranges from 3.30% to 4.70% depending on your total balance. Separately, a 3.30% APY on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not they subscribe to SoFi Plus.

Supporting quotations

3.30% APY: A 3.30% APY applies to the portion of SoFi Plus Savings balances that do not earn 4.70% APY across both individual and joint SoFi Savings accounts. As a result, the APY on your entire balance will range from 3.30% to 4.70%, depending on your total balance.

An APY of 3.30% on all Savings balances is available to account holders with Eligible Direct Deposit or $5,000 in Qualifying Deposits, as defined in the SoFi Bank Rate Sheet, whether or not you subscribe to SoFi Plus.

Qualifications & exceptions

• The second 3.30% statement is tied to Eligible Direct Deposit or $5,000 in Qualifying Deposits "as defined in the SoFi Bank Rate Sheet".

Not stated here

• The SoFi Bank Rate Sheet's definitions of Eligible Direct Deposit and Qualifying Deposits were not supplied; the definitions in the Bank Referral Program terms are written for that program and are not assumed to be the same.

Charges & Financial Obligations · Restriction or exception

Promotional APY boosts cannot stack on 4.70% balances; SoFi Plus rates start the next business day after payment

Promotional APY boost offers cannot be combined on the same balances earning the 4.70% APY. If you earn the 4.70% APY and qualify for a boost, the 4.70% applies first, and the boost applies only to the portions of your Savings balances not earning 4.70% and only during its promotional period. When a promotional period ends, affected balances earn the then-current applicable SoFi Plus APY unless otherwise eligible for another promotion. Upon paying the SoFi Plus Subscription Fee you begin earning SoFi Plus rates and APYs on the following business day. If you cancel, your Savings account reverts to the Standard rates, or the rates for account holders with Eligible Direct Deposit or Qualifying Deposits as applicable, as listed on the SoFi Bank Rate Sheet, on the day your subscription ends. Members who previously had SoFi Plus may receive the SoFi Plus APY again if they reactivate.

Supporting quotations

Promotional APY boost offers cannot be combined on the same balances earning the 4.70% APY. If you earn the 4.70% APY and qualify for a promotional APY boost, the 4.70% APY applies first. The promotional APY boost will only apply to the portions of your Savings balances not earning 4.70% APY and only during its stated promotional period.

Upon paying the SoFi Plus Subscription Fee, you will begin earning the interest rates and APYs for SoFi Plus members on the following business day. If you cancel your subscription, your Savings account will revert to the Standard rates, or rates for account holders with Eligible Direct Deposit or Qualifying Deposits as applicable, as listed on the SoFi Bank Rate Sheet, on the day your subscription ends.

Qualifications & exceptions

• Boosts apply only to balances not earning 4.70% and only during their stated promotional period.
• Reversion on cancellation happens on the day the subscription ends.

Charges & Financial Obligations · Restriction or exception

SoFi Plus benefits and APY are variable, current as of 10/20/2026, and SoFi can modify, suspend or end the APY benefit

Benefits are subject to change and may not be available to everyone. Rates are current as of 10/20/2026, APY is variable and subject to change at any time, there is no minimum balance requirement, and fees may reduce earnings. SoFi reserves the right to modify, suspend or terminate the SoFi Plus APY Benefit at any time. SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

Supporting quotations

Benefits are subject to change and may not be available to everyone.

Rates are current as of 10/20/2026. APY is variable and subject to change at any time. There is no minimum balance requirement. Fees may reduce earnings.

SoFi reserves the right to modify, suspend, or terminate the SoFi Plus APY Benefit at any time.

SoFi Checking and Savings is offered through SoFi Bank, N.A. Member FDIC.

Qualifications & exceptions

• Rates are stated as current as of 10/20/2026.

Charges & Financial Obligations · Company commitment

SoFi Plus 1% Match: members get 1% on deposits into non-retirement Invest accounts from August 18, 2026

SoFi Securities LLC and SoFi Wealth LLC offer the SoFi Plus 1% Match promotion under its own Terms and Conditions, with the warning that investments are not FDIC insured, are not bank guaranteed and may lose value. SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Benefit Period (the Eligible Deposit). The Benefit Period runs from August 18, 2026 through the date SoFi terminates the Benefit, and SoFi may modify, suspend or terminate the benefit at any time in its sole discretion without advance notice.

Supporting quotations

(ii) 1% match on deposits into non-retirement accounts:

INVESTMENTS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

SoFi Securities LLC (“SoFi Securities”) and SoFi Wealth LLC (“SoFi Wealth”) are offering the SoFi Plus 1% Match promotion

SoFi Plus members are eligible for a 1% Match on deposits made into their existing or newly opened non-retirement self-directed SoFi Invest account (offered by SoFi Securities) or non-retirement Robo investing SoFi Invest account (offered by SoFi Wealth) during the Benefit Period (the “Eligible Deposit”).

The Benefit Period is from August 18, 2026 through the date SoFi terminates the Benefit. SoFi may modify, suspend, or terminate the benefit at any time in its sole discretion without advance notice.

Qualifications & exceptions

• Only deposits into non-retirement accounts during the Benefit Period are Eligible Deposits.
• The Benefit Period has no fixed end date; SoFi may end it at any time without advance notice.

Charges & Financial Obligations · Restriction or exception

To keep the 1% Match, stay a SoFi Plus subscriber at settlement and keep each deposit invested for five years

To receive and retain the full value of the 1% Match promotion, a SoFi Plus member must be a SoFi Plus subscriber at the time each Eligible Deposit settles, and maintain each Eligible Deposit in the non-retirement account for five years from the settlement date. Each Eligible Deposit has its own independent five-year holding period measured from its settlement date.

Supporting quotations

To receive and retain the full value of this promotion, a SoFi Plus member must:

Be a SoFi Plus subscriber at the time each Eligible Deposit settles; and

Maintain each Eligible Deposit in the non-retirement account for five (5) years from the settlement date. Each Eligible Deposit shall be subject to its own independent five (5) year holding period measured from its respective settlement date.

Qualifications & exceptions

• The five-year holding period runs separately for each Eligible Deposit from its settlement date.
• The requirements apply to receiving and retaining the full value of the promotion.

Not stated here

• This passage does not itself say what happens if a deposit is withdrawn before five years; the rest of the Match terms continue in the next section.

Charges & Financial Obligations · Restriction or exception

Only instant transfers from SoFi Bank or ACH deposits settled in the Benefit Period count for the 1% Match

For the 1% Match, a Deposit means an instant cash transfer from a SoFi Bank account or an ACH deposit into a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period. The deposit must be settled before the end of the Benefit Period to be eligible. An Eligible Deposit excludes internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits and other non-cash credits.

Supporting quotations

Deposit refers to an instant cash transfer from a SoFi Bank account or ACH deposit into either a non-retirement self-directed SoFi Invest account or SoFi Robo Invest account during the Benefit Period. The deposit must be settled before the end of the Benefit Period to be eligible for the Match.

“Eligible Deposit” excludes Internal transfers between SoFi Invest accounts, Automated Customer Account Transfers (ACATs), securities transfers, interest, dividends, fee reversals, promotional credits, and other non-cash credits.

Qualifications & exceptions

• Only non-retirement accounts count, and the deposit must settle before the Benefit Period ends.

Charges & Financial Obligations · Company commitment

The Match is 1% of each eligible deposit, paid in cash within five business days, but not automatically invested

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. It is paid in cash into the same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with the terms. Funds deposited into a self-directed account are not automatically invested; you must take action to invest them. Matches are not paid on accounts that are closed or pending closure, and the SoFi Invest account must be in good standing. SoFi may delay payment of any Match pending review for fraud, abuse or violation of the Terms. For example, a $1,000 deposit into a non-retirement self-directed SoFi Invest account earns a $10 Match.

Supporting quotations

The Match is calculated on each incoming instant cash transfer from a SoFi Bank account or ACH deposit. Matches will be paid in cash into the same account receiving the deposit within 5 business days of the deposit being settled, subject to verification of eligibility and compliance with these terms. Funds deposited into a self-directed account will not be automatically invested (you must take action to invest them).

Matches will not be paid out on accounts that are closed or pending closure. The SoFi Plus member’s SoFi Invest account must be in good standing to receive the Match. SoFi reserves the right to delay payment of any Match pending review for fraud, abuse, or violation of these Terms.

If you complete a deposit of $1,000 into your non-retirement self-directed SoFi Invest account, you will be paid a 1% Match on your deposit, equaling $10.

Qualifications & exceptions

• Payment is subject to verification of eligibility and compliance with the terms.
• No Match is paid on accounts that are closed or pending closure.

Charges & Financial Obligations · Restriction or exception

The 1% Match may not be combined with other SoFi Invest offers unless SoFi expressly permits it in writing

This Benefit may not be combined with any other SoFi Invest offers unless expressly permitted by SoFi in writing.

Supporting quotations

This Benefit may not be combined with any other SoFi Invest offers unless expressly permitted by SoFi in writing.

Charges & Financial Obligations · Restriction or exception

Withdrawals within five years can trigger an early withdrawal fee that removes a proportional part of the Match

SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five years to keep the entire Match. If a member withdraws before the five-year holding period is complete, they are subject to an early withdrawal fee and SoFi removes a proportional amount of the Match from the account. The proportional amount is based on the breach in retention value, not retention period. To avoid the fee, the account's total equity value must at minimum equal the original pre-promotion total equity value plus the qualifying deposit and Match amount. The pre-promotion total equity value is the market value of securities plus cash balance as reflected in SoFi's records as of the most recent completed end-of-day balance before the date SoFi determines the qualifying deposit was received and all eligibility requirements were satisfied, as determined by SoFi in its sole discretion. If a withdrawal causes total equity value to fall below this combined amount, the fee applies, and SoFi may apply reasonable rounding or a de minimis tolerance for ordinary market fluctuations. The fee applies if the member initiates a withdrawal and total equity value has decreased for any reason, including investment losses; it does not apply if total equity value has risen by more than the withdrawal amount, through gains or additional deposits.

Supporting quotations

SoFi Plus members must keep Eligible Deposits in the account that earned the Match for five (5) years to keep the entire Match amount. If a SoFi Plus member makes a withdrawal before the five (5) year holding period is complete, they will be subject to an early withdrawal fee and SoFi will remove a proportional amount of the Match from the member’s account. The proportional amount is based on the breach in retention value, not retention period.

To avoid this early withdrawal fee, the total equity value of the SoFi Plus member’s account (“total equity value”) must at minimum equal the original pre-promotion total equity value in the account, plus the qualifying deposit and Match amount.

as determined by SoFi in its sole discretion. If a withdrawal causes the total equity value to fall below this combined amount, the early withdrawal fee will be applied. SoFi may apply reasonable rounding or a de minimis tolerance to account for ordinary market fluctuations.

The early withdrawal fee will apply if the SoFi Plus member initiates a withdrawal and the total equity value has decreased, for any reason including investment losses. However, the early withdrawal fee will not apply if the SoFi Plus member’s total equity value has risen by an amount greater than the withdrawal amount, either by investment gains or additional deposits.

Qualifications & exceptions

• The test compares total equity value after the withdrawal with the pre-promotion value plus the qualifying deposit and Match.
• Investment losses can cause the fee to apply.
• The fee does not apply if equity value has risen by an amount greater than the withdrawal amount.

Charges & Financial Obligations · Restriction or exception

The fee comes out of the withdrawal, an ACAT transfer out forfeits the Match, and SoFi may sell securities

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there is an early withdrawal fee for the entire Match amount, meaning an ACAT out during the five-year holding period forfeits the Match for the Eligible Deposits that have not satisfied their holding periods. If insufficient cash is available in the account, the fee is debited from an outgoing financial institution or added to a margin balance, and SoFi reserves the right to liquidate securities to pay it. SoFi also bills an ACAT out fee separately from the early withdrawal fee, and refers to its fee schedule for details.

Supporting quotations

The proportional early withdrawal fee is deducted from the requested withdrawal amount. In the event of an ACAT transfer out, there will be an early withdrawal fee for the entire Match amount. For clarity, an ACAT transfer out during the applicable five (5) year holding period will result in forfeiture of the Match associated with the applicable Eligible Deposit(s) that have not satisfied their respective holding period(s).

If insufficient cash is available in this account, the early withdrawal fee will be debited from an outgoing financial institution or added to a margin balance. SoFi reserves the right to liquidate securities to pay for this early withdrawal fee. SoFi will also bill an ACAT out fee separate from an early withdrawal fee.

Qualifications & exceptions

• The entire-Match fee on ACAT out applies to Eligible Deposits that have not satisfied their holding periods.

Not stated here

• The SoFi Invest fee schedule was not supplied with this document.

Charges & Financial Obligations · Context

Worked examples show a $5.94 fee after a $600 early withdrawal and $0 when gains cover the withdrawal

The terms give four examples, each with a $1,000 deposit and a $10 (1%) Match. (1) Total equity value $1,010, withdrawal of $600 five or more years from the deposit date, remaining equity value $410: early withdrawal fee $0, since the full Match was earned. (2) Total equity value $1,010, withdrawal of $600 less than five years from the deposit date, remaining equity value $410: fee $5.94. (3) Total equity value $1,310 because of investment gains, withdrawal of $250 less than five years from deposit, remaining equity value $1,060: fee $0. (4) Total equity value $950 because of investment losses, withdrawal of $250 less than five years from deposit, remaining equity value $700: fee $3.07.

Supporting quotations

Early Withdrawal Fee Examples:

Deposit 1% Match Total Equity Value Withdrawal Date Withdrawal Amount Remaining Equity Value Early Withdrawal Fee

$1,000 $10 $1,010 5+ years from deposit date -$600 $410 $0 (earned full match amount)

$1,000 $10 $1,010 Less than 5 years from deposit date -$600 $410 $5.94

$1,000 $10 $1,310 Account balance increases due to investment gains Less than 5 years from deposit date -$250 $1,060 $0

$1,000 $10 $950 Account balance decreases due to investment losses Less than 5 years from deposit date -$250 $700 $3.07

Qualifications & exceptions

• Each example reads across the columns Deposit, 1% Match, Total Equity Value, Withdrawal Date, Withdrawal Amount, Remaining Equity Value, Early Withdrawal Fee.

Not stated here

• The examples give outcomes but not the formula used to compute the $5.94 and $3.07 fees.

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.

Account & Service Control · Company commitment

SoFi Plus members get unlimited financial planner appointments; others get one 30-minute appointment

SoFi Plus members can schedule an unlimited number of appointments with a financial planner, while SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one thirty-minute appointment. Unlimited appointments are available only during periods in which the member meets the SoFi Plus eligibility criteria, and scheduling is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice. Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser, whose advisory operations, services and fees are described in its current Form ADV Part 2 (Brochure), available on request and at the SEC adviser site.

Supporting quotations

(iii) Unlimited 1:1 financial planning:

SoFi Plus members can schedule an unlimited number of appointments with a financial planner. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

SoFi members who do not meet the SoFi Plus eligibility criteria can schedule one (1) thirty-minute appointment with a financial planner.

Members can only schedule an unlimited number of appointments with a financial planner during periods in which the member meets the SoFi Plus eligibility criteria. The ability to schedule appointments is subject to financial planner availability. SoFi reserves the right to change or terminate this benefit at any time with or without notice.

Advisory services are offered by SoFi Wealth LLC, an SEC-registered investment adviser.

Qualifications & exceptions

• Unlimited appointments apply only while the member meets the SoFi Plus eligibility criteria.
• Appointments are subject to financial planner availability.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text. The lettered SoFi Plus eligibility and subscription fee paragraphs are carded in earlier sections.
• SoFi Wealth's Form ADV Part 2 was not supplied with this document.

Charges & Financial Obligations · Company commitment

SoFi Plus members earn 2x rewards points on qualifying activity, with listed exclusions

SoFi Plus members can earn double the rewards points stated in the "Ways to earn" section of the Membership & Rewards Center for qualifying earning activities, and only for periods in which they meet the SoFi Plus eligibility criteria. Qualifying activities exclude credit or debit card spend paid in rewards points, welcome bonuses paid in rewards points (including referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points. The specific number of points is subject to change at any time. Members must enroll in SoFi Member Rewards to redeem points but not to be eligible for 2x points, and points are subject to the SoFi Member Rewards terms.

Supporting quotations

(iv) 2x rewards points on select activity:

SoFi Plus members can earn double the rewards points as stated in the “Ways to earn” section of the Membership & Rewards Center for qualifying earning activities. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

Members can only earn 2x rewards points for periods in which the member meets the SoFi Plus eligibility criteria. The qualifying earning activities exclude the following: Credit or Debit card spend paid in rewards points, welcome bonuses paid in rewards points (including any referral bonuses paid in rewards points), and select promotions with bonuses paid in rewards points.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for 2x rewards points.

Qualifications & exceptions

• 2x applies only for periods in which the member meets the SoFi Plus eligibility criteria.
• Enrollment in SoFi Member Rewards is needed to redeem points, not to be eligible for 2x.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The "Ways to earn" section was not supplied with this document.

Charges & Financial Obligations · Company commitment

SoFi Plus members get a 10% boost on SoFi Credit Card cash back rates, calculated with rounding and exclusions

SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the Promotion). A 10% boost means a 10% multiplier is applied to existing cash back rates (for example a purchase previously earning 100 points would earn 110). Each transaction is rounded to the nearest dollar and fractional points to the nearest whole point. The boost does not apply to transactions not eligible for cash back, such as fees or interest charges, balance transfers or cash advances, traveler's checks or other cash equivalents, purchase or reloading of prepaid cards or other quasi-cash transactions, or to courtesy points that are manually awarded. SoFi determines in its sole discretion whether a transaction is eligible. Members must enroll in SoFi Member Rewards to redeem points but not to be eligible for the Promotion.

Supporting quotations

(v) 10% rewards boost for SoFi credit card:

SoFi Plus members are eligible for a 10% boost on cash back rewards rates for all eligible purchases made with a SoFi Credit Card (the “Promotion”). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

A 10% boost means that a 10% multiplier shall be applied to existing cash back rewards rates (e.g., a purchase previously earning 100 rewards points would now earn 110 with the promotion).

The 10% boost shall not apply to (i) transactions that are not eligible for cash back rewards points, including: fees or interest charges, balance transfers or cash advances, purchase of traveler’s checks or other cash equivalents, purchase or reloading of prepaid cards, or other quasi-cash transactions; or (ii) courtesy rewards points that are manually awarded. SoFi shall, in its sole discretion, determine whether a transaction is eligible to earn the 10% boost under this Promotion.

Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the Promotion.

Qualifications & exceptions

• The boost applies to eligible purchases with a SoFi Credit Card; the exclusion list names examples of ineligible transactions.
• Eligibility of each transaction is determined by SoFi in its sole discretion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

Credit card boost: primary holder must be a SoFi Plus member, Smart Card accounts excluded, start stated as 4/1/24

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible. SoFi Smart Card accounts are excluded. The offer is limited to one per SoFi Checking and Savings account. A SoFi Credit Card account benefits from the 10% boost only if the primary account holder is a SoFi Plus member. SoFi reserves the right to exclude any member for any reason, including suspected fraud, misuse or suspicious activities. The Promotion Period is stated as beginning on 4/1/24 at 1:00 PM ET, and SoFi reserves the right to terminate or change the Promotion at any time.

Supporting quotations

All new and existing SoFi Credit Card members who meet the SoFi Plus eligibility criteria during the Promotion Period are eligible for this Promotion. SoFi Smart Card accounts are excluded from this Promotion. Offer limited to one per SoFi Checking and Savings account. A SoFi Credit Card account will only benefit from the 10% boost under this Promotion if the primary SoFi Credit Card account holder is a SoFi Plus member.

SoFi reserves the right to exclude any member from participating in this Promotion for any reason, including suspected fraud, misuse, or if suspicious activities are observed.

Promotion Period: The Promotion will begin on 4/1/24 at 1:00 PM ET. SoFi reserves the right to terminate or make changes to this Promotion at any time.

Qualifications & exceptions

• The boost depends on the primary SoFi Credit Card account holder being a SoFi Plus member.
• The Promotion Period is stated as beginning on 4/1/24 at 1:00 PM ET, with no end date given.

Not stated here

• The Promotion Period start date of 4/1/24 is earlier than the agreement's September 17, 2026 date; the text does not say whether the Promotion has since changed.

Charges & Financial Obligations · Company commitment

SoFi Plus members earn 5% cash back in points on non-air SoFi Travel bookings, 5.5% with a SoFi Credit Card

SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (Elevated Earn). SoFi Plus members who use a SoFi Credit Card on those non-air bookings earn a 10% credit card cash back rewards rate boost, for a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus, and the 10% boost does not apply to bookings made with a SoFi Smart Card.

Supporting quotations

(vi) 5% cash back on SoFi Travel (excl air):

SoFi Plus members can earn 5% cash back in rewards points on all bookings except air travel through SoFi Travel using any card (“Elevated Earn”). For complete SoFi Plus eligibility, please see the sections 10(b-c) herein.

Additionally, SoFi Plus members that use a SoFi Credit Card on all bookings except air travel will earn a 10% credit card cash back rewards rate boost, resulting in a total of 5.5% cash back rewards. Cash back rewards do not stack on top of other rewards associated with SoFi Credit Card or SoFi Plus. The 10% credit card cash back rewards rate boost does not apply to bookings made with a SoFi Smart Card.

Qualifications & exceptions

• Air travel bookings are excluded.
• The 5.5% total requires a SoFi Credit Card (not a SoFi Smart Card) on a non-air booking.
• Rewards do not stack on other SoFi Credit Card or SoFi Plus rewards.

Not stated here

• The text refers to "the sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Company practice

SoFi Travel Elevated Earn points arrive within 60 days, redeem at 1 cent each, and SoFi can change or stop the offer

Member Rewards terms apply to SoFi Travel rewards. Rewards points are awarded within 60 days of travel completion; if you do not see them after 60 days, the terms direct you to the help center or phone support. Bookings made on air travel are not eligible for the Elevated Earn. When you redeem points toward active SoFi accounts (including Checking and Savings, SoFi Money, Active Invest, Automated Invest, Credit Card, Personal Loan, Private Student Loan, Student Loan Refinance) or toward SoFi Travel purchases, points redeem at 1 cent per point. SoFi reserves the right to exclude any member from SoFi Member Rewards for any reason, including suspected fraud, misuse or suspicious activities, and to stop or change Elevated Earn at any time.

Supporting quotations

Rewards points will be awarded within 60 days of travel completion. If you do not see your rewards points after 60 days of travel completion, please see our

Bookings made on air travel are not eligible for the Elevated Earn.

your rewards points will redeem at a rate of 1 cent per every point

SoFi reserves the right to exclude any member from participating in SoFi Member Rewards for any reason, including suspected fraud, misuse, or if suspicious activities are observed. SoFi also reserves the right to stop or make changes to Elevated Earn at any time.

Qualifications & exceptions

• The 1 cent per point rate is stated for redemptions toward the listed SoFi accounts or SoFi Travel purchases.
• Air travel bookings are excluded from Elevated Earn.

Not stated here

• The Rewards page and help center linked in this passage were not supplied with this document, so this card cannot say what they add.

Charges & Financial Obligations · Restriction or exception

Crypto transactions are final and irreversible, not FDIC or SIPC insured, and offered by SoFi Bank, N.A.

The SoFi Plus crypto match terms state that cryptocurrency and other digital assets are not FDIC insured, not bank guaranteed and may lose value; they are described as highly speculative, involving significant risk and possibly complete loss of value, and as not deposits and not insured by the FDIC or SIPC. All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information. Availability of specific digital assets, features and services is subject to change and may be limited by law and regulation. SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the OCC; SoFi Bank does not provide investment, tax or legal advice, and the SoFi Crypto Account Agreement has additional terms.

Supporting quotations

(vii) 1% match on crypto:

CRYPTOCURRENCY AND OTHER DIGITAL ASSETS ARE NOT FDIC INSURED • ARE NOT BANK GUARANTEED • MAY LOSE VALUE

Cryptocurrency and other digital assets are not deposits, are not insured by the FDIC or SIPC, are not bank guaranteed, and may lose value.

All cryptocurrency transactions, once submitted to the blockchain, are final and irreversible. SoFi is not responsible for any failure or delay in processing a transaction resulting from factors beyond its reasonable control, including blockchain network congestion, protocol or network operations, or incorrect address information.

SoFi Crypto products and services are offered by SoFi Bank, N.A., a national bank regulated by the Office of the Comptroller of the Currency. SoFi Bank does not provide investment, tax, or legal advice.

Not stated here

• The SoFi Crypto Account Agreement was not supplied with this document.

Account & Service Control · Restriction or exception

The crypto 1% match is for active SoFi Plus members who are U.S. residents aged 18 or older

SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. The Promotion is open to SoFi Plus members who are legal residents of the fifty United States and the District of Columbia and are at least eighteen years of age as of the time of the promotion period. SoFi Plus status must be active through the end of the calendar month in which the eligible crypto buy was executed in order to qualify for the 1% match.

Supporting quotations

SoFi Plus members are eligible for a 1% match on crypto buys, earned as rewards points. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

This Promotion is open and available to SoFi Plus members who are legal residents of the fifty (50) United States and the District of Columbia and are at least eighteen (18) years of age or older as of time of promotion period. SoFi Plus status must be active through the end of the calendar month the eligible crypto buy was executed in to qualify for the 1% match.

Qualifications & exceptions

• Residency is limited to the 50 United States and the District of Columbia.
• SoFi Plus status must stay active through the end of the calendar month of the eligible buy.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

Eligible Crypto Buys must be funded from SoFi Checking and Savings, exclude stablecoins, and cap at $250,000 lifetime

SoFi Plus members can earn a 1% match on Net Eligible Crypto Buys, subject to a lifetime aggregate Eligible Crypto Buy cap of $250,000 per member. An Eligible Crypto Buy is a completed SoFi Crypto purchase that is funded directly from your Checking and Savings account at SoFi Bank, N.A. and results in a successful purchase of Supported Digital Assets, excluding stablecoins or any cash-equivalent digital assets. Purchases funded from any other source, including incoming crypto transfers, do not qualify, and purchases of stablecoins or other cash equivalent digital assets do not qualify. Supported Digital Assets are those available on the SoFi Crypto platform, subject to the SoFi Crypto Account Agreement. Once the $250,000 total of qualifying purchases is reached, no additional match rewards are earned on future crypto buys.

Supporting quotations

SoFi Plus members can earn a 1% match on Net Eligible Crypto Buys, subject to a lifetime aggregate Eligible Crypto Buy cap of $250,000 per member.

An “Eligible Crypto Buy” is a completed SoFi Crypto purchase transaction that (i) is funded directly from your Checkings and Savings account at SoFi Bank, N.A. and (ii) results in a successful purchase of Supported Digital Assets (excluding stablecoins or any cash-equivalent digital assets).

o Purchases funded from a source other than a SoFi Bank, N.A. Checking & Savings account, including incoming crypto transfers, do not qualify; and

o Purchases of stablecoins or other cash equivalent digital assets do not qualify.

o There is a lifetime cap of $250,000 in Eligible Crypto Buys that can qualify for the 1% match. Once you reach that total amount of qualifying purchases, you will no longer earn additional match rewards on future crypto buys.

Qualifications & exceptions

• The cap is a lifetime aggregate of Eligible Crypto Buys per member.

Charges & Financial Obligations · Procedure

The crypto match is 1% of each month's purchases minus that month's withdrawals and transfers out

The 1% match is a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate Net Eligible Crypto Buys, SoFi adds the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month and subtracts the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that month. For example, buying $1,000 in eligible crypto and withdrawing $400 in the month leaves Net Eligible Crypto Buys of $600, and the match is calculated on $600. If withdrawals are equal to or greater than eligible purchases, Net Eligible Crypto Buys are zero or negative and no reward is earned for that month. The match is earned as rewards points.

Supporting quotations

The 1% match means you can earn a reward equal to 1% of your Net Eligible Crypto Buys each month. To calculate your Net Eligible Crypto Buys, we: (1) add up the total U.S. dollar value of your Eligible Crypto Buys completed during the calendar month, and (2) subtract the U.S. dollar value of any cash or crypto you withdraw or transfer from your SoFi Crypto account during that same month.

if you buy $1,000 in eligible crypto during the month but withdraw $400 from your account, your Net Eligible Crypto Buys would be $600, and the 1% match would be calculated on that $600.

If your withdrawals are equal to or greater than your eligible purchases, your Net Eligible Crypto Buys will be zero or negative, and you would not earn a reward for that month.

Qualifications & exceptions

• The calculation is monthly, on a calendar-month basis.

Charges & Financial Obligations · Context

Crypto match examples: $1,000 bought and held earns $10; $500 withdrawn leaves a $5 match

The terms give examples of the 1% Match calculation. In a Standard Buy and Hold example, a SoFi Plus member executes $1,000 of crypto buys on 4/3/2026 and holds the digital assets on the platform through 4/30/2026, earning a $10 match in rewards points. In a Cash/Digital Asset Withdrawal example, the member buys $1,000 on 4/3/2026 and withdraws $500 (cash or digital asset) before 4/30/2026, earning $5 in rewards points, which is 1% of the remaining $500 net funded amount. A Trading/Rebalancing Portfolio example follows in the next section.

Supporting quotations

1% Match Calculation Examples

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and holds the digital assets on platform through 4/30/2026.

o 1% Match: $10 in rewards points.

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026 and withdraws $500 (cash or digital asset withdrawal) before 4/30/2026.

o 1% Match: $5 in rewards points – 1% of the remaining $500 net funded amount.

Charges & Financial Obligations · Context

More crypto match examples: swaps and market drops do not change the $10 match, but losing SoFi Plus mid-month gives $0

Further examples of the crypto 1% match: in a Trading/Rebalancing example, a member buys $1,000 of BTC, later sells $500 of BTC to buy ETH, makes no withdrawals and holds the assets through the end of the calendar month, and earns a $10 match in rewards points based on the original net funding for crypto buys. In a Market Value Changes example, a $1,000 buy followed by a drop in portfolio value to $800 with no withdrawals still earns $10, because market performance does not affect the payout. In a SoFi Plus Status Changes example, a member buys $1,000 on 4/3/2026 but loses SoFi Plus status on 4/27/2026 and earns $0, because SoFi Plus status must be maintained for the entirety of the month.

Supporting quotations

o A SoFi Plus member executes a $1,000 BTC crypto buy. Later, sells $500 of BTC to buy ETH. No withdrawals made and holds digital assets on platform through the end of the calendar month the buy was executed.

o 1% Match: $10 in rewards points – 1% Match based on original net funding for crypto buys.

o A SoFi Plus member executes $1,000 worth of crypto buys. Market drops portfolio value to $800. No withdrawals made and digital assets held on platform through the end of the calendar month the buy was executed.

o 1% Match: $10 in rewards points – Market performance does not affect 1% match payout.

o A SoFi Plus member executes $1,000 worth of crypto buys on 4/3/2026, but loses SoFi Plus status on 4/27/2026.

o 1% Match: $0 – Must maintain SoFi Plus status for the entirety of the month to receive the 1% match payout.

Qualifications & exceptions

• The status example is stated for losing SoFi Plus status on 4/27/2026 after a 4/3/2026 buy.

Charges & Financial Obligations · Company commitment

The crypto match is paid as rewards points within two weeks of month end if you keep an active SoFi Crypto account

The 1% Match payout is paid out as rewards points within two weeks of the end of the calendar month. The member must maintain an active SoFi Crypto account to receive the payout. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the match, and the points are subject to the SoFi Member Rewards terms.

Supporting quotations

The 1% Match payout will be paid out as rewards points within two (2) weeks of the end of the calendar month. The member must maintain an active SoFi Crypto account to receive the payout. Members must enroll in SoFi Member Rewards to redeem rewards points, but not to be eligible for the match.

Qualifications & exceptions

• The payout is rewards points, not cash.
• Enrollment in SoFi Member Rewards is needed to redeem points, not to be eligible for the match.

Charges & Financial Obligations · Restriction or exception

Crypto match terms: may combine with other crypto promos, good standing needed, and SoFi may exclude, rescind or end it

The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos. The member's account must be in good standing and not subject to restrictions, and the promotion is non-transferable. SoFi reserves the right to exclude any members for any reason, such as suspected fraud, misuse or suspicious activity. If SoFi suspects fraudulent activity or a violation of these terms or of the customer agreement in connection with the Offer, it may decline to grant the Match or rescind the Offer, and may liquidate any digital assets to make up for any shortfall. SoFi also reserves the right to modify, suspend or terminate the Promotion at any time without notice.

Supporting quotations

The SoFi Plus 1% Crypto Match Promo may be combined with other SoFi Crypto promos.

The members’ account must be in good standing and not subject to restrictions. Promotion is non-transferable.

SoFi reserves the right to exclude any members from participating in this Promotion for any reason, such as suspected fraud, misuse, or suspicious activity.

SoFi reserves the right to either decline to grant the Match, or to rescind the Offer. SoFi reserves the right to liquidate any digital assets to make up for any shortfall.

SoFi also reserves the right to modify, suspend, or terminate the Promotion at any time without notice.

Qualifications & exceptions

• Examples of exclusion reasons are introduced with "such as".

Charges & Financial Obligations · Company commitment

SoFi Plus members pay 0.375% on outgoing FedNow instant transfers, with a $1 minimum and $15 maximum

SoFi Plus members receive a 50% discount on outgoing instant transfer fees, reducing the fee to 0.375% of the transfer amount (minimum $1, maximum $15). The discount applies automatically to Instant Transfers sent from a SoFi Plus member's SoFi Checking or Savings account to their account at a participating institution in the FedNow Service.

Supporting quotations

SoFi Plus members receive a 50% discount on outgoing instant transfer fees, reducing the fee to 0.375% of the transfer amount (minimum of $1, maximum of $15). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

The discount automatically applies to Instant Transfers sent from a SoFi Plus member’s SoFi Checking or Savings account to their account at a participating institution in the FedNow® Service.

Qualifications & exceptions

• The discount applies to Instant Transfers sent from the member's SoFi Checking or Savings account to the member's account at a participating FedNow institution.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

SoFi Plus is one factor in IPO allocations and does not guarantee any shares

SoFi Plus members have the opportunity to receive preferred IPO allocations through SoFi Invest. A SoFi Plus membership is one of many factors SoFi Securities LLC uses to determine an investor's allocation. Members who meet the SoFi Plus eligibility criteria may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled. New offers generally have high demand and limited shares, and having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest or any shares at all. SoFi's allocation procedures are described on a linked support page.

Supporting quotations

(ix) Preferred IPO access (Offered by SoFi Invest):

SoFi Plus members have the opportunity to receive preferred IPO allocations. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

A SoFi Plus membership is one of many factors used by Sofi Securities LLC to determine an investor’s allocation. Members who meet the SoFi Plus eligibility criteria may have an increased chance of receiving a larger percentage of their indication than those who are not enrolled.

Having a SoFi Plus membership does not guarantee that you will be allocated the number of shares you requested in your Indication of Interest (IOI) or any shares at all.

Qualifications & exceptions

• Membership increases the chance of a larger percentage of the indication but guarantees nothing.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The IPO Allocation Procedures page was not supplied with this document.

Charges & Financial Obligations · Company commitment

Mortgage origination fee discounts: $500 for eligible members, plus $500 more for Plus, direct deposit or $5,000

SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. Members who are a SoFi Plus member, receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time $500 discount, if they meet the criteria at the time the home loan application is approved ("final approval"). To be eligible for the standard discount, you must be a registered SoFi member at final approval, and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with a balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

Supporting quotations

(x) Extra $500 SoFi Mortgage Loan discount:

SoFi members are eligible for a one-time standard discount of $500 off the standard $1,495 origination fee for a SoFi Bank home purchase or refinance mortgage. Members who either (1) are a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $500 off the standard origination fee for a home purchase or refinance mortgage. To be eligible for the additional $500 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as “final approval”).

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

Qualifications & exceptions

• Eligibility for both discounts is tested at the time the home loan application is approved ("final approval").
• The additional $500 requires any one of SoFi Plus membership, an Eligible Direct Deposit, or at least $5,000 in Qualifying Deposits.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits; the rate sheet was not supplied, and the definitions in the Bank Referral Program terms are written for that program and are not assumed to apply here.
• The text refers to "sections 10(b-c) herein" for details on SoFi Plus subscription; no numbered section 10 appears in the supplied text.

Charges & Financial Obligations · Restriction or exception

Mortgage discounts do not apply to Texas or VA loans with no origination fee, or to repeat loans of the same type

The mortgage origination fee discounts are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. They are not available to any person who previously had a loan of the same type. The terms tell readers to consult a tax advisor to determine if the discounts have any tax consequences.

Supporting quotations

The discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type.

Qualifications & exceptions

• The Texas and VA exclusions are given as examples of loans with no origination fee ("including").

Charges & Financial Obligations · Company commitment

Personal Loan: an extra 0.25% rate discount if you meet one of three criteria within 31 days and every 31 days after

To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of these criteria every 31 days to maintain the discount. Once you become eligible during the initial period, the discount is removed or reinstated depending on whether the criteria have been met, and each time the loan is re-amortized your monthly payment changes based on the interest rate in place. SoFi may modify or terminate the offer at any time for unenrolled participants. You are not required to meet the criteria to be approved for a loan.

Supporting quotations

(xi) 0.25% personal loan rate discount:

To be eligible for an additional 0.25% interest rate reduction on a Personal Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• Eligibility is tested within 31 days of loan funding and then every 31 days.
• Modification or termination applies to the offer for unenrolled participants.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Student Loan Refinancing: an extra 0.125% rate discount on the same three criteria, checked every 31 days

To be eligible for an additional 0.125% interest rate reduction on a Student Loan Refinancing, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account, and continue to meet at least one criterion every 31 days. The discount is removed or reinstated depending on whether the criteria have been met, re-amortization changes the monthly payment, SoFi may modify or terminate the offer at any time for unenrolled participants, and the criteria are not required for loan approval.

Supporting quotations

(xii) 0.125% student loan rate discount:

To be eligible for an additional 0.125% interest rate reduction on a Student Loan Refinancing, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• Eligibility is tested within 31 days of loan funding and then every 31 days.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Private Parent Student Loan: an extra 0.125% rate discount on the same three criteria, checked every 31 days

To be eligible for an additional 0.125% interest rate reduction on a Private Parent Student Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account, and continue to meet at least one criterion every 31 days. The discount is removed or reinstated depending on whether the criteria have been met, re-amortization changes the monthly payment, SoFi may modify or terminate the offer at any time for unenrolled participants, and the criteria are not required for loan approval.

Supporting quotations

(xiii) 0.125% parent student loan discount:

To be eligible for an additional 0.125% interest rate reduction on a Private Parent Student Loan, you must, within 31 days of loan funding, either (1) be a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account. You must continue to meet at least one of the above eligibility criteria every 31 days to maintain the discount.

Once you become eligible during the initial period, the discount will be removed or reinstated depending on whether the criteria have been met. Each time your loan is re-amortized, your monthly payment amount will change based upon the interest rate that was in place. SoFi reserves the right to modify or terminate this offer at any time for unenrolled participants. You are not required to meet these criteria to be approved for a loan.

Qualifications & exceptions

• Eligibility is tested within 31 days of loan funding and then every 31 days.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

Home equity loan: $200 standard origination fee discount plus $200 more for Plus, direct deposit or $5,000 deposits

SoFi members are eligible for a one-time standard discount of $200 off the $1,495 origination fee for a home equity loan originated by SoFi Bank. Members who are a SoFi Plus member, receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or receive at least $5,000 in Qualifying Deposits are eligible for an additional one-time $200 discount if they meet those criteria at the time the home loan application is approved ("final approval"). To be eligible for the standard discount, you must be a registered SoFi member at final approval, and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with a balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time. The discounts are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans, or to any person who previously had a loan of the same type.

Supporting quotations

(xiv) Extra $200 home equity loan discount:

SoFi members are eligible for a one-time standard discount on loans originated by SoFi Bank of $200 off the $1,495 origination fee for home equity loan. Members who either (1) are a SoFi Plus member, (2) receive an Eligible Direct Deposit into a SoFi Checking or Savings account, or (3) receive at least $5,000 in Qualifying Deposits into a SoFi Checking or Savings account are eligible for an additional one-time discount of $200 off the origination fee for home equity loan. To be eligible for the additional $200 discount, you must meet the eligibility criteria described above at the time the home loan application is approved (indicated as “final approval”).

To be eligible for the standard SoFi member discount, you must be a registered SoFi member at the time the home loan application is approved (indicated as “final approval”), and the applicant must have a current or prior SoFi Personal Loan, Student Loan, SoFi Money, or SoFi Checking and Savings account with an account balance greater than $0, or be a SoFi Invest account holder with a balance greater than $10,000. SoFi may change or terminate this discount at any time.

The discounts described above are not available on loans where no origination fee is assessed, including all home loans in Texas and VA loans. And, the discounts are not available to any person who previously had a loan of the same type.

Qualifications & exceptions

• Eligibility is tested at the time the home loan application is approved ("final approval").
• The additional $200 requires any one of SoFi Plus membership, an Eligible Direct Deposit, or at least $5,000 in Qualifying Deposits.

Not stated here

• The text sends readers to the banking rate sheet for details on Eligible Direct Deposit or Qualifying Deposits and to "sections 10(b-c) herein" for SoFi Plus subscription; neither the rate sheet nor a numbered section 10 appears in the supplied text.
• The definitions of Eligible Direct Deposit and Qualifying Deposits in the Bank Referral Program terms are written for that program and are not assumed to apply to this discount.

Charges & Financial Obligations · Company commitment

SoFi Plus members get 50% off SoFi's processing fees on global remittance transfers from Checking and Savings

SoFi Plus members are eligible to receive a 50% discount on the processing fees assessed by SoFi for all global remittance transfers initiated through SoFi Checking and Savings.

Supporting quotations

(xv) 50% off processing fees for international payments to friends:

SoFi Plus members are eligible to receive a 50% discount on the processing fees assessed by SoFi for all global remittance transfers initiated through SoFi Checking and Savings.

Qualifications & exceptions

• The discount is on processing fees assessed by SoFi, for transfers initiated through SoFi Checking and Savings.

Charges & Financial Obligations · Restriction or exception

Remittance discount details: automatic, subject to the Deposit Account Agreement, excludes third-party bank fees

There is no limit on the number of remittance discounts a member can receive, and the discount is applied automatically at the time of transfer. Global remittance services are available to SoFi members through SoFi Checking and Savings, which is offered by SoFi Bank, N.A., Member FDIC. Transfers are subject to the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates and estimated delivery times are presented before payment confirmation. Third-party intermediary or recipient banks may charge additional fees, which are not eligible for the 50% discount. Service availability may vary by country or recipient.

Supporting quotations

There is no limit on the number of discounts a member can receive. The discount is automatically applied at time of transfer.

Transfers are subject to the terms of the SoFi Bank Deposit Account Agreement in effect at the time of payment. Fees, exchange rates, and estimated delivery times will be presented prior to payment confirmation. Third-party intermediary or recipient banks may charge additional fees, which are not eligible for the 50% discount. Service availability may vary by country or recipient.

Qualifications & exceptions

• The 50% discount does not cover fees charged by third-party intermediary or recipient banks.

Not stated here

• The SoFi Bank Deposit Account Agreement was not supplied with this document.

Content & IP Rights · Permission or license

Attending a Member Experience event lets SoFi record you and use the recordings for any lawful commercial purpose

SoFi Plus members or their guests are eligible to attend SoFi Member In-Person Experiences. By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the event, including you, your likeness and voice, and use the recordings publicly or privately in any media, including for commercial purposes. By attending, you consent to the recording and photographing and grant SoFi an unrestricted, perpetual, non-excluding and sublicensable license to take, use, display, perform, distribute or exploit any recordings or photographs for any lawful and commercial purpose. You also agree to make no monetary or other claim against SoFi for their use. If you do not agree, you should not claim a ticket or attend. SoFi also states a commitment to a friendly, safe and welcoming environment for all and refers to the SoFi Experiences Code of Conduct.

Supporting quotations

(xvi) Exclusive live event access:

SoFi Plus members or guests of SoFi Plus members are eligible to attend SoFi Member In-Person Experiences (a “Member Experience”). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

By signing up for a Member Experience, you acknowledge that SoFi may record or photograph the Member Experience (including you, your likeness and voice) and may use such recordings or photographs publicly or privately in any form of media, including for commercial purposes.

you consent to the recording and photographing of such Member Experience and grant SoFi an unrestricted, perpetual, non-excluding, and sublicensable license, to take, use, display, perform, distribute or exploit for any lawful and commercial purpose any recordings or photographs. By attending a Member Experience, you also agree that you will make no monetary or other claim against SoFi for the use of the recordings or photographs. If you do not agree, please do not claim a ticket and do not attend the event.

We believe our community should be truly open for everyone. As such, we are committing to providing a friendly, safe, and welcoming environment for all regardless of gender, sexual orientation, disability, race, ethnicity, national origin, age, or religion.

Qualifications & exceptions

• The license is stated as unrestricted, perpetual, non-excluding and sublicensable, for any lawful and commercial purpose.
• Applies to people who sign up for or attend a Member Experience, including guests of SoFi Plus members.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The SoFi Experiences Code of Conduct was not supplied with this document.

Charges & Financial Obligations · Company practice

Discounted Wall Street Journal and MarketWatch subscriptions for new SoFi Plus members, renewing at standard rates

SoFi Plus members are eligible for a one-time $129 discounted annual digital subscription to The Wall Street Journal and a discounted digital subscription to MarketWatch, billed as $2 every four weeks for one year. To receive either offer, members must access the promotional link provided by SoFi and complete subscription enrollment with a valid payment method. After the initial one-year promotional period, subscriptions automatically renew at The Wall Street Journal or MarketWatch current standard rate unless canceled before the renewal date, and pricing is subject to change. Members are responsible for managing or canceling subscriptions directly with the provider, whose terms govern cancellation and billing. The offer is valid through 4/29/2028 at 11:59:59 PM PT, available to new members only in the contiguous United States, limited to one offer per subscription type per SoFi Plus member, and intended for active SoFi Plus members only; the link may not be shared or transferred. The offers may be modified or discontinued at any time without notice.

Supporting quotations

(xvii) $129 subscription to The Wall Street Journal:

SoFi Plus members are eligible for a one-time $129 discounted annual digital subscription for The Wall Street Journal and a discounted digital subscription to MarketWatch, billed as $2 every four (4) weeks for one year.

Access the promotional link provided by SoFi; and

Complete subscription enrollment(s) with a valid payment method.

After the initial one (1) year promotional period, subscriptions will automatically renew at The Wall Street Journal or MarketWatch current standard rate unless canceled prior to the renewal date. Pricing is subject to change.

SoFi Plus members are responsible for managing or canceling their subscriptions directly with the provider. Cancellation terms and billing practices are governed by the applicable publisher’s terms.

This offer is valid through 4/29/2028 at 11:59:59 PM PT and available to new members only in the contiguous United States. Limit one offer per subscription type per SoFi Plus member. This offer and promotional link are intended for active SoFi Plus members only and may not be shared or transferred.

Qualifications & exceptions

• Automatic renewal at the current standard rate follows the initial one-year promotional period unless canceled before the renewal date.
• Valid through 4/29/2028 at 11:59:59 PM PT, for new members only in the contiguous United States.

Not stated here

• The standard renewal rates and the publisher's terms of service were not supplied with this document.
• The text refers to "sections 10(b-c) herein" for details regarding SoFi Plus; no numbered section 10 appears in the supplied text.

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.

Charges & Financial Obligations · Company practice

ClassPass: 55 free credits for first-time users on a one-month trial that must be canceled to avoid a charge

The ClassPass promotion is provided and fulfilled by ClassPass. SoFi Plus members who sign up for ClassPass for the first time via the SoFi link receive 55 free credits, valid for one month. To receive the credits, members must open the promotional link, sign up for a ClassPass one-month trial, and enter a payment method for use if the membership is not canceled during the trial. The 55 credits must be used within one month from enrollment and cannot be carried over. Members must cancel their ClassPass membership before the end of the trial month to avoid being charged a monthly membership fee. Existing ClassPass users who use the link to upgrade their current plan receive 15 free credits. Only one ClassPass promotion can be used per SoFi Plus member, the link may not be shared, and the promotion is valid through February 28, 2027 at 11:59 PM PT.

Supporting quotations

(xviii) ClassPass free trial:

Promotion provided and fulfilled by ClassPass.

SoFi Plus members who sign up for ClassPass for the first time via the SoFi link will receive 55 free credits, valid for one month.

To receive these credits, members must: 1) open the promotional link provided by SoFi; 2) sign up for a ClassPass one month trial; and 3) enter a payment method for use if the Class Pass membership is not canceled during the trial month. The 55 free credits must be used within one month from the date of enrollment and cannot be carried over to the next month. SoFi Plus Members must cancel their ClassPass membership before the end of their trial month to avoid being charged a monthly ClassPass membership fee.

Existing ClassPass users who use the link to upgrade their current plan will receive 15 free credits. Only one ClassPass promotion can be used per SoFi Plus member. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through February 28, 2027 at 11:59 PM PT.

Qualifications & exceptions

• The 55 credits are for members new to ClassPass; existing users who upgrade get 15 credits.
• The credits expire one month from enrollment and cannot be carried over.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The ClassPass membership fee and ClassPass's own terms 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.

Charges & Financial Obligations · Company practice

Vivid Seats: SoFi Plus members get 10% off tickets, up to $50 per order, through a SoFi link until July 15, 2027

SoFi Plus members can save 10% on Vivid Seats' inventory of live event tickets, up to a maximum discount of $50 per order, excluding taxes, fees and insurance products, as shown on the website. No promo code is entered: clicking the link in SoFi's marketing material applies a code automatically, and entering another promo code at checkout voids the original discount. Only one promo code can be used per order and codes cannot be stacked. The code is intended for SoFi Plus members only and sharing the code or link is prohibited. The promotion is valid through July 15, 2027 at 11:59 PM PT. Prices may be higher or lower than face value and inventory and prices can change at any time. Vivid Seats and SoFi reserve the right to modify or cancel the offer at any time. The benefit is provided and fulfilled by Vivid Seats, not by SoFi or its affiliates, and is subject to the Vivid Seats Terms of Use.

Supporting quotations

(xix) 10% off tickets with Vivid Seats:

SoFi Plus members are eligible to save 10% on Vivid Seats’ inventory of live event tickets, up to a maximum discount of $50 per order, excluding any taxes, fees, or insurance products, as shown on the website.

If you enter another promo code at checkout, it will void the original discount. Only one promo code can be used per order. Promo codes cannot be stacked. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Promotion valid through July 15, 2027 at 11:59 PM PT.

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.

Qualifications & exceptions

• The discount is capped at $50 per order and excludes taxes, fees and insurance products.
• Entering another promo code at checkout voids the original discount.

Not stated here

• The Vivid Seats Terms of Use were not supplied with this document.

Charges & Financial Obligations · Company practice

TurboTax: 20% off Federal filing and a free tax professional consultation via a SoFi link, through 12/31/2026

SoFi Plus members are eligible for 20% off TurboTax Federal filing and a free consultation with a TurboTax tax professional when they sign up through the link provided by SoFi. The discount applies automatically; entering another promotional code during sign-up or checkout may void the promotion, only one promotional code can be used per SoFi Plus member, and codes cannot be stacked. The offer is intended for SoFi Plus members only and sharing the link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM PT. It is a limited-time offer for TurboTax 2025, the discount applies to TurboTax federal products only, and actual prices are determined at the time of print or e-file. TurboTax and SoFi reserve the right to modify or cancel the offer at any time without notice. The member benefit is provided and fulfilled by TurboTax, not by SoFi or its affiliates, and is subject to TurboTax's Terms of Service.

Supporting quotations

(xx) 20% off with TurboTax:

SoFi Plus members are eligible to receive 20% off TurboTax Federal filing and a free consultation with a TurboTax tax professional when they sign up through the link provided by SoFi. For complete details regarding SoFi Plus, please see sections 10(b-c) herein.

If you enter another promotional code during sign-up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

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.

Limited time offer for TurboTax 2025. Discount applies to TurboTax federal products only. Actual prices are determined at the time of print or e-file and are subject to change without notice.

Qualifications & exceptions

• The discount applies to TurboTax federal products only, for TurboTax 2025.
• Entering another promotional code may void the promotion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.
• TurboTax's product guarantees page and Terms of Service were not supplied with this document.

Charges & Financial Obligations · Company practice

Seated: a one-time $20 credit for new Seated users who link a card and make an eligible purchase by December 31, 2026

SoFi Plus members are eligible for a one-time $20 reward credit from Seated when they download the Seated app through the link provided by SoFi and complete their first eligible transaction. The offer is for new Seated users only. To earn the credit, a member must click the link in SoFi's marketing material and install the app, link a payment card to Seated, and make a purchase from an Affiliated Establishment, as defined in Seated's Terms of Service, using the linked card. Seated then provides the $20 credit within two to four business days. The promotional code applies automatically; entering another code during sign-up or checkout may void the promotion, only one code can be used per account and codes cannot be stacked. Sharing the code or link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM PT.

Supporting quotations

(xxi) $20 reward on dining with Seated:

SoFi Plus members are eligible to receive a one-time $20 reward credit from Seated when they download the

This offer is available to new Seated users only. Members can earn a $20 Seated credit by completing all of the following actions: (i) click on the link in the marketing material you receive from SoFi and install the Seated app, (ii) link a payment card to Seated, and (iii) make a purchase from an Affiliated Establishment, as defined in Seated’s Terms of Service, using your linked card (the “Eligible Transaction”). Once all required actions have been completed, Seated will provide the $20 credit within two (2) to four (4) business days.

This offer is intended for SoFi members only, and you are prohibited from sharing the code or link. Promotion valid through December 31, 2026 at 11:59 PM PT.

Qualifications & exceptions

• All three actions are required: install via the SoFi link, link a payment card, and make a purchase from an Affiliated Establishment using that card.
• The credit is provided within two to four business days after all actions are completed.

Not stated here

• The offer is introduced as available to SoFi Plus members, but a later sentence says it is "intended for SoFi members only"; the text does not reconcile the two.
• Seated's Terms of Service, which define Affiliated Establishment, were not supplied with this document.
• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.

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.

Charges & Financial Obligations · Company practice

Care.com: a discounted 12-month Premium membership for $99 for new Care.com users, through December 31, 2026

SoFi Plus members are eligible to sign up for a discounted 12-month Premium Care.com Membership subscription for $99 through the link provided by SoFi. The offer is available to new Care.com users only. The promotional discount applies automatically; entering another promotional code during sign-up or checkout may void the promotion, only one promotional code can be used per SoFi Plus member, and codes cannot be stacked. The offer is intended for SoFi Plus members only and sharing the link is prohibited. The promotion is valid through December 31, 2026 at 11:59 PM PT. Care.com and SoFi may modify or cancel the offer at any time without notice, and the benefit is provided and fulfilled by Care.com, not by SoFi or its affiliates, and is subject to Care.com's Terms of Service.

Supporting quotations

(xxii) $99 Care.com subscription:

SoFi Plus members are eligible to sign up for a discounted 12-month Premium Care.com Membership subscription for $99 when they sign up through the link provided by SoFi. For complete details regarding SoFi Plus, please see sections 10(b-c) herein.

This offer is available to new Care.com users only.

If you enter another promotional code during sign up or checkout, it may void this promotion. Only one promotional code can be used per SoFi Plus member. Promotional codes cannot be stacked. This offer is intended for SoFi Plus members only, and you are prohibited from sharing the link. Promotion valid through December 31, 2026 at 11:59 PM PT.

Care.com 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 Care.com, not by SoFi or its affiliates.

Qualifications & exceptions

• Available to new Care.com users only.
• Entering another promotional code may void the promotion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus details; no numbered section 10 appears in the supplied text.
• Care.com's Terms of Service and the renewal price after 12 months were not supplied with this document.

Charges & Financial Obligations · Company practice

Rakuten: a one-time $50 Welcome Bonus for new accounts opened via SoFi's link, after a $50 purchase in 90 days

SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus, provided by Rakuten. To be eligible you must be a SoFi Plus member and create a new Rakuten account by clicking the link in marketing communications received directly from SoFi; the link is for SoFi Plus members only and may not be shared. Existing Rakuten members are not eligible, and you may not create a Rakuten account with an email address already registered with Rakuten. After creating the account, the member receives a one-time $50 Welcome Bonus into their Rakuten account after making a Qualifying Purchase of $50 or more within 90 days of signing up. You must be a resident of the 50 United States or Washington D.C.; residents of Puerto Rico and the U.S. Virgin Islands are not eligible. The bonus is not combinable with other Rakuten offers, including the Referral Welcome Bonus, with a limit of one Welcome Bonus per customer. A Qualifying Purchase is a purchase that earns Cash Back through Rakuten.com, the Rakuten App or the Rakuten browser extension, as determined in Rakuten's sole discretion. The bonus is added to your next Cash Back payment once the eligibility requirements are met. The offer is valid from April 28, 2025 until the promotion ends at Rakuten's sole discretion. Cash back is provided by Rakuten, not SoFi or its affiliates.

Supporting quotations

(xxiii) $50 Rakuten welcome bonus:

SoFi Plus members are eligible for a $50 Rakuten Welcome Bonus. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

you must (i) be a SoFi Plus member and (ii) create a new Rakuten account by clicking on the link included in the marketing communications that you received directly from SoFi.

Existing Rakuten members are not eligible for this promotion. Additionally, you are not permitted to create a Rakuten account with an email address already registered with Rakuten.

SoFi Plus members shall receive a one time $50 Welcome Bonus into their Rakuten account after making a Qualifying Purchase of $50 or more within 90 days of signing up to Rakuten. To be eligible for this promotion, you must be a resident of the 50 United States or Washington D.C. Residents of Puerto Rico and the U.S. Virgin Islands are not eligible. Not combinable with other Rakuten offers, including the Referral Welcome Bonus. Limit one (1) Welcome Bonus per customer.

The Welcome Bonus will be added to your next Cash Back payment once the eligibility requirements are met. Offer is valid from April 28, 2025 until this promotion ends at the sole discretion of Rakuten.

Cash back provided by Rakuten, not SoFi. This SoFi Plus benefit is provided by Rakuten, not by SoFi or its affiliates.

Qualifications & exceptions

• The Qualifying Purchase of $50 or more must occur within 90 days of signing up to Rakuten.
• Whether a purchase is a Qualifying Purchase is determined in Rakuten's sole discretion.
• The offer is valid from April 28, 2025 until Rakuten ends it in its sole discretion.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• Rakuten's Terms & Conditions were not supplied with this document.

Charges & Financial Obligations · Company practice

Trust & Will: $200 off the initial purchase of a Trust, via the Membership & Rewards Center link

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. The discount is applied by using the link provided in the Membership & Rewards Center and is applied at checkout. It cannot be combined with other offers or discounts, and subsequent upgrades aren't eligible for the discount. The offer begins on February 11, 2025 and may be terminated or changed at any time without notice. The benefit is provided by Trust & Will, not by SoFi or its affiliates, and SoFi may be compensated by the benefit provider. Offers are subject to change and may have restrictions, and the provider's terms of service apply.

Supporting quotations

(xxiv) $200 off a Trust plan:

SoFi Plus members are eligible for a $200 discount on the initial purchase of a Trust. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

The discount can be applied by using the link provided in the Membership & Rewards Center. Discount applied at checkout. Cannot be combined with other offers or discounts. Subsequent upgrades aren’t eligible for discount.

This offer begins on February 11, 2025. This offer may be terminated or changed at any time without notice. This SoFi Plus benefit is provided by Trust & Will, not by SoFi or its affiliates. SoFi may be compensated by the benefit provider.

Qualifications & exceptions

• The discount applies to the initial purchase of a Trust only; subsequent upgrades are not eligible.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• Trust & Will's Terms of Service were not supplied with this document, and no end date is stated.

Charges & Financial Obligations · Company practice

HelloPrivacy: 50% off an annual Data Broker Monitoring and Removal subscription with a SoFi-provided code

SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy's Data Broker Monitoring and Removal service. The discount is applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The code is intended for SoFi Plus members only and sharing the code or link is prohibited. Fees and taxes apply. The discount is available to SoFi Plus members beginning 1/27/25, and SoFi reserves the right to terminate or change the discount at any time. Renewal terms are covered in the next paragraph of the Agreement.

Supporting quotations

(xxv) 50% off online privacy protection:

SoFi Plus members are eligible for a 50% discount on an annual subscription to HelloPrivacy’s Data Broker Monitoring and Removal service. For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

The discount can be applied at checkout on the HelloPrivacy site using the discount code and link provided in the Membership & Rewards Center. The discount code is intended for SoFi Plus members only, and you are prohibited from sharing the code or link. Fees and taxes apply. Discount available to SoFi Plus members beginning 1/27/25. SoFi reserves the right to terminate or make changes to this discount at any time.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• No end date is stated for this discount in this paragraph.

Charges & Financial Obligations · Restriction or exception

HelloPrivacy renews yearly at the discounted rate until you cancel, and is provided by HelloPrivacy, not SoFi

You must provide a valid payment method at checkout, and the HelloPrivacy service automatically renews at the discounted rate every year until you terminate the subscription. Your payment method is automatically charged at the start of each subscription period for the fees and taxes for that period, and you must cancel before the renewal date to avoid future charges. The text refers to HelloPrivacy's Terms of Service for complete terms and how to cancel, including by phone, and says you will be subject to HelloPrivacy's Privacy Policy and Terms & Conditions. All fees, content and features are subject to change, and the offer cannot be combined with any other offer. The SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by SoFi or its affiliates.

Supporting quotations

You must provide a valid payment method at checkout and the service will automatically renew at the discounted rate every year until you terminate the HelloPrivacy subscription. Your payment method will automatically be charged at the start of each subscription period for the fees and taxes applicable to that period. You must cancel your subscription before the renewal date to avoid future charges.

You will be subject to HelloPrivacy’s Privacy Policy and Terms & Conditions.

All fees, content, and features are subject to change. This offer cannot be combined with any other offer.

This SoFi Plus benefit is provided by HelloPrivacy (dba BrandYourself), not by SoFi or its affiliates.

Qualifications & exceptions

• Automatic yearly renewal continues until you terminate the subscription.
• You must cancel before the renewal date to avoid future charges.

Not stated here

• HelloPrivacy's Terms of Service and Privacy Policy were not supplied with this document, so this card cannot say how cancellation works beyond the stated phone contact.

Charges & Financial Obligations · Company practice

CNBC+: 40% off a one-year subscription ($89.99 instead of $149.99) for eligible SoFi Plus members until 02/15/27

SoFi Plus members are eligible for a 40% discount on a $149.99 (plus applicable taxes and fees) one-year subscription to CNBC+, for a total of $89.99 per year plus taxes and fees, subject to applicable terms. The discount is applied at checkout using the link in the marketing communication, and the link and offer are intended for active SoFi Plus members only and may not be transferred or shared. The offer expires 02/15/27 at 11:59:59 pm U.S. Pacific Time. You may redeem it only if you are a legal resident of the U.S. and 18 or older (or the age of majority in your jurisdiction, whichever is older). It is not available to current CNBC+ members, is not valid with any other offers, has no cash value except where required by law, and is limited to one per customer and account. The subscription is subject to the CNBC Terms of Service, NBCUniversal's Privacy Policy and the promotional offer terms. The benefit is provided by CNBC LLC, not by SoFi or its affiliates, and CNBC LLC may modify or cancel the offer at any time and for any reason.

Supporting quotations

(xxvi) 40% off CNBC+:

SoFi Plus members are eligible for a 40% discount on a $149.99 (plus applicable taxes and fees) one-year subscription to CNBC+, for a total of $89.99/year (plus applicable taxes and fees), subject to applicable terms and conditions (the “Offer”). For complete SoFi Plus eligibility, please see sections 10(b-c) herein.

The link in this communication and the Offer are intended for active SoFi Plus members only and may not be transferred or shared.

Offer expires 02/15/27 at 11:59:59pm (U.S. Pacific Time). You are only eligible to redeem this offer if you are (i) a legal resident of the U.S., and (ii) 18 years and older (or the age of majority in your jurisdiction of residence, whichever is older). This Offer is not available to current CNBC+ members.

Not valid with any other offers. No cash value, except as where required by law. Offer limited to one per customer and account.

This SoFi Plus benefit is provided by CNBC LLC, not by SoFi or its affiliates. CNBC LLC reserves the right to modify or cancel the Offer at any time and for any reason.

Qualifications & exceptions

• Not available to current CNBC+ members; one per customer and account.
• The discounted price is for a one-year subscription.

Not stated here

• The text refers to "sections 10(b-c) herein" for complete SoFi Plus eligibility; no numbered section 10 appears in the supplied text.
• The CNBC Terms of Service and NBCUniversal Privacy Policy were not supplied, and the renewal terms after one year are not stated.

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.

Charges & Financial Obligations · Company practice

SoFi is paid fees or commissions by insurance carriers when it connects you or helps place a policy

Where SoFi connects you to an insurance carrier, SoFi is paid fees by the carrier, in some cases if you obtain a policy. In some cases SoFi gathers information from you and helps you get a quote or more, and in those cases it may be paid a commission by insurance companies for each policy placed.

Supporting quotations

In cases where we connect you to an insurance carrier, we get paid fees by the carrier, in some cases if you obtain a policy. In some cases we gather information from you and assist you in getting a quote, or more, and in those cases we may get paid a commission by insurance companies for each policy placed.

Qualifications & exceptions

• Fees are paid in some cases if you obtain a policy; commissions may be paid when SoFi helps with quotes and a policy is placed.

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.

Charges & Financial Obligations · Restriction or exception

Insurance quotes are non-binding, final premiums are set by the underwriter, and promoted policies may not be available

Insurance policy quotes shown on the SoFi Site are non-binding, and the final premium for any policy is determined by the underwriting insurance company after you submit an application. SoFi may at times promote that certain policies may be available through the SoFi Site, but all policies are subject to product availability and your eligibility, and availability of prices may depend on your truthful answers to a health questionnaire. Not all promoted policies may be available in all states, and savings may vary by term, policy amount, health class and state. The Agreement points to a Licenses page for SoFi Insurance Agency state licenses and lines of authority.

Supporting quotations

Insurance policy quotes shown on SoFi Site are non-binding. The final insurance policy premium for any policy is determined by the underwriting insurance company following you submitting an application.

All policies are subject to product availability and your eligibility, and availability of prices may depend upon your truthful answers to a health questionnaire. Not all policies promoted may be available in all states. Savings may vary by term, policy amount, health class and state.

Qualifications & exceptions

• Final premium is determined by the underwriting insurance company after an application is submitted.
• Price availability may depend on truthful answers to a health questionnaire.

Not stated here

• The Licenses page listing SoFi Insurance Agency state licenses and lines of authority was not supplied with this document.