Responsible Disclosure Policy

At EarnIn, we take the security of our services and our systems seriously, and we value the security of our community. The disclosure of security vulnerabilities and issues helps us ensure the security and privacy of our members, our community and our partners.


We require that all researchers (“you”):
  • Comply with applicable privacy laws and make every effort to avoid privacy violations, degradation of user experience, disruption to production systems, and destruction of data during security testing;
  • Perform research only within the scope set out below;
  • Use the identified communication channels to report vulnerability information to us; and
  • Keep information about any vulnerabilities you’ve discovered confidential between yourself and Earnin until we’ve had 90 days to resolve the issue.

How to report a security vulnerability?

EarnIn has partnered with Inspectiv to coordinate our bug bounty program.
Security vulnerabilities found in the areas listed as in Scope on this page are eligible for bug bounty payouts by submitting through the Inspectiv Bug Bounty Platform. Please email from your registered Inspectiv account's email mentioning your username to receive a private program invite to submit your report. If you are not registered with Inspectiv yet please follow this link.
If you are the first to report a given issue and we make a code or configuration change based on the report, we will also recognize your contribution in our Hall of Fame page.
For other reports which do not fall under the bug bounty Scope, you can reach us at EarnIn encourages the encryption of sensitive information that is sent to EarnIn in e-mail messages. EarnIn supports encrypted messages via PGP/GNU Privacy Guard (GPG). The EarnIn Product Security team public key (key ID 0X4DD71975) is available on multiple public key servers.


  • EarnIn’s public web site and content (
  • EarnIn’s mobile applications for Apple iOS and Google Android
  • EarnIn’s Transferred Out service
  • EarnIn’s Balance Shield service

Out of Scope

Any services hosted by 3rd party providers and services are excluded from scope. These services include:
  • Marketing websites and campaigns
  • 3rd-party services not hosted by Earnin
In the interest of the safety of our users, staff, the Internet at large and you as a security researcher, the following test types are excluded from scope:
  • Findings from physical testing such as office access (e.g. open doors, tailgating)
  • Findings derived primarily from social engineering (e.g. phishing, vishing)
  • Findings from applications or systems not listed in the ‘Scope’ section
  • UI and UX bugs and spelling mistakes
  • Network level Denial of Service (DoS/DDoS) vulnerabilities
  • Theoretical vulnerabilities
  • Information disclosure of non sensitive data
  • Low impact and/or low likelihood of occurrence
Things we do not want to receive:
  • Personally identifiable information (PII)
  • Credit card holder data
  • Financial data