Vulnerability Disclosure Policy

The safety and security of our customers’ data, and the reliability of our products and services, are of utmost importance to Income Insurance Limited (“Income”). Therefore, we aim to design and make products and services with the highest levels of security and reliability. Despite our best efforts, due to the high complexities and evolving external threat landscape, vulnerabilities and errors may still be present in our products and services.

This policy describes Income’s approach to requesting and receiving reports related to potential vulnerabilities and errors in its products and services.

Customers, users, researchers, partners and any other person that interacts with Income’s products and services are encouraged to report identified vulnerabilities and errors to us.

The preferred method for contacting Income to report such vulnerabilities or errors is by using the form present on this page.

Income highly appreciates the efforts made by the reporting party in identifying the vulnerability or error. Reporting of such vulnerabilities and errors will contribute to improving the security and reliability of our product and services.

Please note that supplying your contact information with your report is entirely voluntary and at your discretion. Income will make use of all reports that are submitted; both those submitted anonymously and those with contact information. If you do submit your contact information, Income will only use such information to get in touch with you regarding clarifying the details of your report, if that is necessary. 

For more information on how Income protects the privacy, confidentiality, accuracy and security of the personal data provided to it, please visit our privacy policy.

By making a report to Income using the form on the Vulnerability Disclosure Policy platform, or otherwise communicating a report to Income Insurance regarding vulnerabilities and errors, you agree to the following terms:

Income may use your report for any purpose deemed relevant by Income, including without limitation, for the purpose of correcting any vulnerabilities and errors that are reported and that Income deems to exist and to require correction. To the extent that you propose any changes and/or improvements to an Income product or service in your report, you assign to Income all use and ownership rights to such proposals.

You confirm to Income that:

• You have not exploited or used in any manner, and will not exploit or use in any manner (other than for the purposes of reporting to Income), the discovered vulnerabilities and/or errors;
• You have not engaged, and will not engage, in testing/research of systems with the intention of harming Income, its customers, employees, partners or suppliers;
• You have not used, misused, deleted, altered or destroyed, and will not use, misuse, delete, alter or destroy, any data that you have accessed or may be able to access in relation to the vulnerability and/or error discovered;
• You have not conducted, and will not conduct, social engineering, spamming, phishing, denial-of-service or resource-exhaustion attacks;
• You have not tested, and will not test, the physical security of any property, building, plant or factory of Income;
• You have not breached, and will not breach, any applicable laws in connection with your report and your interaction with Income product or service that lead to your report.
• You agree not to disclose to any third party any information related to your report, the vulnerabilities and/or errors reported, nor the fact that a vulnerability and/or error has been reported to Income.
• Income does not guarantee that you will receive any response from Income related to your report. Income will only contact your regarding your report if Income deems it necessary.
• You agree that you are making your report without any expectation or requirement of reward or other benefit, financial or otherwise, for making such report, and without any expectation or requirement that the vulnerabilities and/or errors reported are corrected by Income.

   Report a vulnerability