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.
1. In order to access, view, and retain SMS Notifications that we make available to you, 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.
2. All SMS Notifications in electronic format from us to you will be considered “in writing.”
3. There is no service fee for SMS Notifications but you are responsible for any and all charges, including but not limited to fees associated with text messaging, imposed by your communications service provider. Please consult your mobile service carrier’s pricing plan to determine the charges for sending and receiving text messages. These charges will appear on your phone bill. Message frequency depends on account status or settings. 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.
1. Non-delivery, delayed delivery, or the erroneous delivery of any Alert.
2. Inaccurate Alert content.
3. Your use or reliance on the contents of any Alert for any purposes.
The information in any Alert may be subject to certain delays. 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.
You agree that SoFi and our agents, representatives, affiliates or anyone calling on our behalf may contact you on a recorded line.
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 email@example.com. 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 firstname.lastname@example.org. SoFi will respond to all copyright infringement notices that it receives and respond appropriately by removing infringing material if necessary.
SoFi Members shall be eligible for cash and swag bonuses. Non-members shall only be eligible for cash bonuses.
To receive credit for a referral under the Program, eligible referrers must create a Program account, receive their unique referral link, and send the link to the people whom they intend to refer to SoFi for Student Loan Refinancing, Medical Resident Refinancing, parent PLUS refinancing, a parent loan or a Personal Loan. By referring friends via email you agree to allow us to send an email on your behalf giving your friends the opportunity to apply for a student loan refinance, parent loan, or personal loan. Your friends’ email addresses will only be used for this offer and will not be used for any other marketing solicitations or sold to third parties. If your friend already has a SoFi account, is on our opt-out list or the national email opt-out list, lives in a state where SoFi is not licensed, has already received a unique URL, or if the email address you provided is incorrect or no longer valid, your friend may not receive the email. Due to the confidential nature, we cannot disclose any information about qualifying accounts opened by the friends you invite. Participation in this Program serves as a one-time waiver of privacy rights by both parties, whereas each may be aware of the presence of an account relationship.
In order for the referring party to receive credit for an email invite the email address provided must belong to an eligible recipient as described above. In order for the referring party to receive credit for an application start, each recipient must use their referrer’s relevant unique link to first register for a SoFi account, and then create their student loan refinancing application, Medical Resident loan application, Parent Plus loan application, parent loan application or personal loan application. In order for either party to receive credit for cash bonuses, each recipient must use their referrer’s relevant unique link to first register for a SoFi account, and then create their student loan refinancing application, Medical Resident loan application, Parent Plus loan application, parent loan application or personal loan application, and then proceed all the way through funding in at least one of those loans.
Only one cash bonus and one welcome bonus will be awarded for each referred Member, regardless of whether the Member takes out multiple loans or multiple types of loans. Members and Non-Members are limited to 20 cash referral bonuses in any preceding 12-month period and 60 total lifetime cash referral bonuses. Referrers will NOT receive a cash referral bonus for a new referral if they have received 20 cash referral bonuses in the preceding 12 months or if they have received 60 total lifetime cash referral bonuses. Swag bonuses are available only to Members. Swag and Referral bonuses are considered miscellaneous income, and may be reportable to you and the IRS on Form 1099-MISC (or Form 1042-S, if applicable). A referrer will not earn a referral reward if their referred friend has an existing SoFi account or if their referred friend does not use their unique referral link.
Referrers will not receive credit for referring themselves, including for a refinance of their existing SoFi student loan, or for submitting an application via their own unique referral link. Referrers are limited to referring their own friends, colleagues, family members, and direct acquaintances whom they believe may be eligible for a SoFi student loan refinance, Medical Resident refinance, parent PLUS, parent loan or personal loan. Any referred borrower must be able to personally identify their referrer. SoFi reserves the right to disqualify anyone from this Program at any time. Anyone who violates these official rules is ineligible for payment of any bonus.
The Program supports referrals to SoFi student loan refinancing loans, Medical Resident refinancing loans, parent PLUS loans, parent loans and personal loans only, and no payments will be made for referrals to other SoFi products.
If you participate in the Program you agree not to solicit applications for any type of SoFi loan. You agree not to compensate, or accept any compensation from, applicants whom you refer to SoFi through the Program. You further agree that your activities will be limited to informing your contacts about SoFi’s student loan refinancing, parent PLUS loans, Medical Resident refinance loans, parent loans and/or personal loans so that they may independently decide whether or not to apply for a SoFi loan. You may not collect information from your contacts or assist with filling out a SoFi loan application or discuss specific loan terms with your contacts.
You must comply with all applicable laws and regulations, including anti-spam laws. Any distribution of a Program link, including by email or social media, must be done in a personal manner and must be in a form approved by SoFi in advance. Bulk email distribution and any use of automated devices or third-party services is prohibited. Program links should only be sent to your own friends, colleagues, family members, and direct acquaintances whom you believe to be eligible for a SoFi student loan refinance, Medical Resident refinance, parent PLUS, parent loan or personal loan. Participants may not purchase internet search terms or publicly advertise SoFi’s student loan, personal loan products, or name in any fashion. Further, any distribution of a Program link that could constitute unsolicited commercial email or “spam,” any content which impersonates or implies an affiliation with or endorsement by SoFi or any SoFi subsidiary, or any actions which otherwise violate any conditions imposed by SoFi, are prohibited and will be grounds for immediate termination.
Your participation in the 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. If the cumulative welcome and bonus rewards paid to an individual in a one calendar year exceed $599 USD, then form W-9 may be required to be completed prior to funds disbursement. Any payments that are not claimed within 180 days of the date the funds have been made available because direct deposit bank account or required tax information have not been provided are subject to forfeit. Any swag bonuses that are not claimed within 180 days of the date that the swag bonus is earned because of an incorrect or missing shipping address are subject to forfeit.
This Program replaces all earlier versions of the SoFi Referral Program. SoFi reserves the right to temporarily or permanently modify or discontinue the Program at any time, for any reason, at our sole discretion, and without notice to you.