Security at ZIPFI

Last Updated: November 10, 2025

Security Certifications

1. Data Encryption

1.1 Encryption in Transit

All data transmitted between your device and ZIPFI servers is encrypted using:

• TLS 1.3: Latest Transport Layer Security protocol
• 256-bit encryption: Military-grade encryption strength
• Perfect Forward Secrecy: Protects past sessions from future compromises
• Certificate Pinning: Prevents man-in-the-middle attacks

1.2 Encryption at Rest

All data stored on our servers is encrypted:

• AES-256: Industry-standard encryption for stored data
• Database Encryption: All database fields containing sensitive data are encrypted
• Key Management: Encryption keys stored in secure hardware security modules (HSMs)
• Backup Encryption: All backups are encrypted before storage

1.3 End-to-End Encryption

Sensitive data like card details are encrypted end-to-end, meaning:

• Data is encrypted on your device before transmission
• ZIPFI servers cannot decrypt certain sensitive information
• Only you and authorized payment processors can access card details

2. Access Controls

2.1 Authentication

• Two-Factor Authentication (2FA): Required for all accounts
• Multi-Factor Authentication (MFA): Support for authenticator apps, SMS, biometrics
• Password Requirements: Strong password policies enforced
• Session Management: Automatic logout after inactivity
• Device Recognition: Alerts for logins from new devices

2.2 Authorization

• Role-Based Access Control (RBAC): Principle of least privilege
• Granular Permissions: Fine-grained access control for team members
• API Key Management: Secure generation and rotation of API keys
• IP Whitelisting: Restrict access to specific IP addresses

2.3 Internal Access

• Strict employee access controls
• All access logged and monitored
• Background checks for all employees
• Regular security training and awareness programs

3. Infrastructure Security

3.1 Cloud Infrastructure

ZIPFI is hosted on enterprise-grade cloud infrastructure:

• AWS (Amazon Web Services): Industry-leading cloud provider
• Multiple Availability Zones: High availability and disaster recovery
• Auto-Scaling: Handles traffic spikes and DDoS protection
• Private Networks (VPC): Isolated network infrastructure

3.2 Network Security

• Firewalls: Multi-layer firewall protection
• DDoS Protection: Cloudflare enterprise DDoS mitigation
• Intrusion Detection: Real-time threat detection and response
• Network Segmentation: Isolated networks for different services

3.3 Application Security

• Web Application Firewall (WAF): Protection against common web attacks
• Rate Limiting: Prevents brute force and abuse
• Input Validation: Protects against injection attacks
• Security Headers: HSTS, CSP, X-Frame-Options, etc.

4. Fraud Prevention

4.1 Transaction Monitoring

• Real-Time Analysis: All transactions analyzed for fraud patterns
• Machine Learning: AI-powered fraud detection
• Velocity Checks: Limits on transaction frequency and amounts
• Geolocation Tracking: Flags suspicious location changes

4.2 Card Security

• CVV Verification: Required for all card transactions
• 3D Secure: Additional authentication for online purchases
• Spending Controls: Customizable limits and merchant restrictions
• Instant Freeze: Ability to freeze cards instantly
• Real-Time Alerts: Instant notifications for all transactions

4.3 AML/KYC Compliance

• Identity Verification: Powered by Stripe Identity
• Document Verification: AI-powered ID document analysis
• Watchlist Screening: Check against global sanctions lists
• Transaction Monitoring: Automated AML screening
• Suspicious Activity Reporting: Automated SAR filing

5. Monitoring and Incident Response

5.1 24/7 Monitoring

• Round-the-clock security operations center (SOC)
• Real-time log analysis and alerting
• Automated threat detection and response
• Performance monitoring and health checks

5.2 Incident Response

We have a comprehensive incident response plan:

• Detection: Automated alerts for security events
• Assessment: Rapid evaluation of severity and impact
• Containment: Immediate action to prevent further damage
• Eradication: Remove threat and patch vulnerabilities
• Recovery: Restore normal operations
• Communication: Notify affected users as required by law

5.3 Breach Notification

In the unlikely event of a data breach:

• We will notify affected users within 72 hours (or as required by law)
• Provide details about the nature of the breach
• Explain steps taken to address the breach
• Offer guidance on protecting your account

6. Compliance and Audits

6.1 Regular Audits

• External Security Audits: Annual third-party security assessments
• Penetration Testing: Quarterly penetration tests by certified professionals
• Vulnerability Scanning: Continuous automated scanning
• Code Reviews: Security-focused code reviews for all changes

6.2 Regulatory Compliance

ZIPFI complies with:

• PCI DSS: Payment Card Industry Data Security Standard
• GDPR: General Data Protection Regulation (EU)
• CCPA: California Consumer Privacy Act
• SOC 2: Service Organization Control 2
• GLBA: Gramm-Leach-Bliley Act
• BSA/AML: Bank Secrecy Act / Anti-Money Laundering regulations

7. Secure Development

7.1 Secure Coding Practices

• OWASP Top 10 compliance
• Secure code review process
• Automated security testing in CI/CD pipeline
• Dependency vulnerability scanning

7.2 Change Management

• All changes reviewed and approved
• Staged deployment process
• Rollback procedures in place
• Security testing before production deployment

8. Data Privacy and Retention

8.1 Data Minimization

• Collect only necessary information
• Pseudonymization and anonymization where possible
• Regular data cleanup and purging

8.2 Data Retention

• Financial records retained for 7 years (regulatory requirement)
• Transaction logs retained for fraud investigation
• Secure deletion when data is no longer needed

8.3 Data Location

• Primary data centers in the United States
• Compliance with data residency requirements
• Encrypted backups in multiple regions

9. Third-Party Security

9.1 Vendor Management

• Thorough security assessment of all vendors
• Regular reviews of third-party security practices
• Contractual security requirements
• Limited access and data sharing

9.2 Key Partners

• Stripe: PCI Level 1 compliant payment processor
• AWS: SOC 2, ISO 27001 certified infrastructure
• Supabase: SOC 2 Type II certified database

10. Your Security Responsibilities

10.1 Best Practices

To keep your account secure, you should:

• Use Strong Passwords: Minimum 12 characters, mix of letters, numbers, symbols
• Enable 2FA: Always use two-factor authentication
• Keep Software Updated: Use latest browser and OS versions
• Beware of Phishing: ZIPFI will never ask for your password via email
• Secure Your Devices: Use device passwords and encryption
• Monitor Your Account: Regularly review transactions
• Report Suspicious Activity: Contact us immediately if you notice anything unusual

10.2 What to Avoid

• Don't share your password with anyone
• Don't use public Wi-Fi without a VPN
• Don't click on suspicious links in emails
• Don't save passwords in browsers on shared devices
• Don't access ZIPFI from untrusted devices

11. Security Contact

11.1 Report a Security Issue

If you discover a security vulnerability, please report it responsibly:

Security Team: security@zipfi.app
PGP Key: Available upon request
Response Time: Within 24 hours

11.2 Bug Bounty Program

We operate a bug bounty program to reward security researchers who responsibly disclose vulnerabilities. Contact us for details.

11.3 General Support

Email: zipfiappteam@gmail.com
Website: zipfi.app

12. Transparency

We believe in transparency regarding our security practices:

• Status Page: Real-time system status and incident updates
• Security Updates: Regular communication about security improvements
• Compliance Reports: SOC 2 reports available to enterprise customers
• Transparency Reports: Annual reports on data requests and security incidents