@waitnbl33d
There are two ways to check that..
The less time consuming one is that, check if Theres an application named ultrasnow installed in cydia i.e if the phone is jailbroken. if it's installed then it's a software unlock.
The second and the better way is to connect to iTunes and update the phone to the latest software, and then if gets locked, then its software unlocked. whereas if you can still use it as a phone then it's factory unlocked. 
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