You may have the opportunity to share content or information, including, but not limited to, your name, email address, or other information that you provide via the Website or the SoFi App, with other users of the Website or the SoFi App. By sharing information or content on the Website or the SoFi App, you expressly agree to all of the following:
You agree that you will not use any device, software or routine to interfere or attempt to interfere with the proper working of the Website or SoFi App, or any transaction being conducted on our Website or the SoFi App.
You may be presented with the opportunity to pre-register and/or apply for a loan through the Website or the SoFi App. When pre-registering or applying for a loan on the Website or the SoFi App, you agree to provide current, complete, and accurate information about yourself. If any information you provide is untrue, inaccurate, not current, or incomplete, Social Finance has the right to terminate your loan pre-registration and/or application and to decline to provide any and all future use of the Website or the SoFi App. We reserve the right to decline your application for a loan.
You may be required to create an account to use of the certain parts of the Website or the SoFi App. When you create an account, you will be required to pick a user name and a password. You may not disclose your user name or password to any third party. If you learn of any unauthorized use of your password or account, please contact us immediately.
The SoFi App is intended to be a supplement, not a replacement, to your online SoFi Wealth Account or other SoFi Accounts (your “Accounts”). All agreements and disclosures that you have entered into in connection with or that apply to your Account(s) with Social Finance, Inc., SoFi Lending Corp, SoFi Wealth, LLC, SoFi Securities, LLC, and each and every current and future affiliate of Social Finance, Inc., also apply to the SoFi App and your use thereof.
SoFi may offer services to you through the SoFi App (the “Services”). You acknowledge and understand that certain Services available to you through the SoFi App, including, but not limited to, your ability to conduct financial transactions or alter your portfolio or view your account balances, require data access or wireless internet capability. You agree that you are responsible for any such data access or wireless internet charges of your Mobile Device service provider. The SoFi App is designed to be accessible on multiple types of Mobile Devices and operating systems. SoFi does not, however, make any representation or warrant that the SoFi App will be compatible with your Mobile Device or any specific operating system version of your Mobile Device or any other hardware, software, equipment or device installed on or used in connection with your Mobile Device. You agree that your functional use of the SoFi App may be affected by or dependent on your wireless connection and speed or your wireless service provider.
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, including, but not limited to, when you are attempting to change your portfolio. You agree that it is your responsibility to verify the status of any attempted transaction by reviewing your Account or contacting SoFi Customer Support at 1-855-525-7634 or online at www.sofi.com. You acknowledge and agree that SoFi, and its affiliates, agents and licensors, 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 or the failure of or your failure to confirm any attempted transaction.
Social Finance does not warrant the accuracy, adequacy or completeness of the information provided on the Website or SoFi App 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 Website or SoFi App provide you with ESTIMATES that may be different than actual amounts.
Social Finance and its subsidiaries use third party service providers to retrieve certain personal data from non-affiliated financial institutions which hold accounts on your behalf. These service providers, including but not limited to Quovo, Inc., retrieve financial information such as holdings, balances and transactions. Social Finance and its subsidiaries use this personal data for our business purposes in a manner that is consistent with our Privacy Statement.
Social Finance and its subsidiaries may use your personal data, user data and other information collected through the Website or SoFi App to help us improve the content and functionality of the Website or SoFi App, to better understand our customers and markets, to improve our products and services and to effect and facilitate sales.
Social Finance and its subsidiaries may use this information to contact you, electronically, through telemarketing or otherwise, in the future to tell you about, and to offer for sale, products or services we believe will be of interest to you. If we do so, each communication we send you will contain instructions permitting you to “opt out” of receiving future communications.
You agree that all access and use of the Website, the SoFi App and their contents is at your own risk. In no event shall Social Finance be held liable for any damages, including without limitation direct or indirect, special, incidental, or consequential damages, losses or expenses arising in connection with the Website or the SoFi App or any linked site or use thereof or inability to use by any party, or in connection with any failure of performance, error, omission, interruption, defect, delay in operation or transmission, computer virus or line or system failure, even if Social Finance, or representatives thereof, are advised of the possibility of such damages, losses or expenses.
Upon creation of a SoFi Community profile, information that is obtained from your SoFi account and information that you provide SoFi will be on your SoFi Community profile, and it will be possible for other SoFi Community members to see your profile. This information is separate from information you may have provided in connection with a financial product or service made available to you by SoFi, including, but not limited to, Student, Personal or Mortgage loans, investment advisory accounts or any related applications. Changes made to your SoFi Community profile will not be reflected in any other existing or prior Accounts, nor will such data be used in any application review.
In addition to the above Information Sharing and Social Features terms, content posted on SoFi Community will also be subject to the following terms.
Any content you post may be viewed by any other member of SoFi Community. Content that you post must comply with all applicable regulations and laws. If we believe any content that you post is offensive, inappropriate, or otherwise objectionable, we may remove it at our sole discretion. SoFi reserves the right to access your profile and content if required to do so in order to cooperate with any legal process, to enforce these Terms, to respond to complaints from third parties related to content you have posted, or to protect the reputation, property, and personal safety of SoFi or any other person or entity.
YOU UNDERSTAND THAT SOFI CURRENTLY DOES NOT CONDUCT CRIMINAL BACKGROUND CHECKS OR SCREENINGS ON SOFI COMMUNITY MEMBERS. SOFI ALSO DOES NOT INQUIRE INTO THE BACKGROUNDS OF ALL SOFI COMMUNITY MEMBERS OR ATTEMPT TO VERIFY THE STATEMENTS OF SOFI COMMUNITY MEMBERS. SOFI MAKES NO REPRESENTATIONS OR WARRANTIES AS TO THE CONDUCT OF SOFI COMMUNITY MEMBERS OR THEIR COMPATIBILITY WITH ANY CURRENT OR FUTURE SOFI COMMUNITY MEMBERS. SOFI RESERVES THE RIGHT TO CONDUCT ANY CRIMINAL BACKGROUND CHECK OR OTHER SCREENINGS (SUCH AS SEX OFFENDER REGISTER SEARCHES), AT ANY TIME AND USING AVAILABLE PUBLIC RECORDS.
You agree that you shall 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.
You acknowledge and agree that 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. All rights, title and interest in and to the SoFi App are reserved by SoFi and its affiliates, agents or licensors, as applicable. All trademarks (including logos, service marks, trade names and icons), copyrights, patents, trade secrets, content, publicity rights and other intellectual property (collectively, the “Intellectual Property”) are proprietary to SoFi, its affiliates, agents or licensors. 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 Application not expressly granted in this License are hereby reserved and retained by SoFi.
You acknowledge and agree that, in the event of a third-party claim that the application infringes any third party’s intellectual property rights caused by or arising out of your use of the SoFi App, you (and not SoFi or any third-party Mobile Device service provider or App Venue) shall be solely responsible for the investigation, defense, settlement and discharge of any intellectual property infringement claim or suit, any third-party claims or any other harm or damages caused by, arising out of or resulting from your use of or access to the SoFi App. You hereby release SoFi and its employees, officers, directors, affiliates, agents and licensors from any and all liability caused by, arising out of or resulting from your use of the SoFi App or the Services, including from product liability claims or any claim that the SoFi App fails to conform to any legal or regulatory requirement. You will, however, promptly notify SoFi in writing of any such claim.
Because SoFi values the protection of its intellectual property, it seeks to respect other individual’s intellectual property rights. If you believe that material on our SoFi App violates your copyright, please notify us at firstname.lastname@example.org. 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.
You may not rent, lease, lend, sublicense or transfer the Application, 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 shall indemnify, defend and hold harmless SoFi and its affiliates, partners, suppliers and licensors, and each of their respective officers, directors, agents and employees (the “Indemnified Parties”) from and against any claim, proceeding, loss, damage, fine, penalty, interest and expense (including, without limitation, fees for attorneys and other professional advisors) arising out of or in connection with the following: (i) your access to or use of the SoFi App; (ii) your breach of this License; (iii) your violation of law in connection with this License; (iv) your negligence or willful misconduct in connection with this License; or (v) your violation of the rights of a third party, including the infringement by you of any intellectual property or misappropriation of any proprietary right or trade secret of any person or entity. These obligations will survive any termination of the License.
You may not use or otherwise export or re-export the 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 (x) 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 (y) listed on any U.S. Government list of prohibited or restricted parties including the Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce Denied Person’s List or Entity List. You also agree that you will not use the Application for any purposes prohibited by United States law.
This License shall be effective until terminated.
SoFi may, in its sole and absolute discretion, at any time and for any or no reason and with or without prior notice, suspend or terminate this License and the rights afforded to you hereunder. Furthermore, if you fail to comply with any terms and conditions of this License, then this License and any rights afforded to you hereunder shall terminate automatically, without any notice or other action by SoFi. Upon the termination of this License, you shall cease all use of the Application and uninstall the Application.
COPYRIGHT © Social Finance, Inc. ALL RIGHTS RESERVED.
Social Finance owns the copyright in all of the information and material contained in this Website and the SoFi App. The contents of the website, including its “look and feel” (e.g., text, graphics, images, logos, and button icons), editorial content, notices, software (including html-based computer programs), and other material are protected under both United States and foreign copyright, patent, trademark, and other laws. Your right to use the Website and the SoFi App is personal to you. You agree not to reproduce, duplicate, copy, sell, resell, use or exploit for any commercial purposes, the Website or the SoFi App, or use of or access to the Website or the SoFi App, or any information or technology obtained from the Website or the SoFi App, including, but not limited to, SoFi’s trademarks. If you believe that any material on this Website or the SoFi App, including any material posted by members, violates your copyright, please notify us at email@example.com. SoFi will respond to all copyright infringement notices that it receives and respond appropriately by removing infringing material if necessary.