Public Responsibility

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.

If you follow these guidelines when reporting an issue to us, we commit to:

  • Work with you to understand and resolve the issue quickly (including an initial confirmation of your report within 72 hours during business days after submission);
  • Recognize your contribution on our Security Researcher Acknowledgements, if you are the first to report the issue and we make a code or configuration change based on the issue you reported.

How to report a security vulnerability?

If you believe you’ve found a security vulnerability in one of our products or platforms please send it to us by emailing Please include the following details with your report:

  • 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.
  • Description of the location and potential impact of the vulnerability;
  • A detailed description of the steps required to reproduce the vulnerability (POC scripts, screenshots, and compressed screen captures are all helpful to us); and
  • After we have confirmed your report, your name or handle will be published on our Hall of Fame for recognition of your contribution.


  • 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

EarnIn is a financial technology company not a bank. Subject to your available earnings, Daily Max and Pay Period Max. EarnIn does not charge interest on Cash Outs. EarnIn does not charge hidden fees for use of its services. Restrictions and/or third party fees may apply. EarnIn services may not be available in all states. For more info visit

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