Security

Custody & FDIC

LockHabit is not a bank. We plan to partner with regulated banks for deposit custody. When deposits are held at partner banks and structured for pass-through coverage, balances may be eligible for FDIC insurance up to legal limits per depositor, per bank.

Hard-lock by default

Your savings are held in a lock that can’t be withdrawn early except for approved emergencies. Non-emergency early break attempts may incur a 5% fee.

Data protection

• Encryption in transit (TLS) and at rest (cloud provider controls).
• Principle of least privilege for systems and staff.
• Secrets stored in secure vaults; key rotation policies.

Credit-builder loans

Emergency access is a secured, self-backed loan. On-time payments are intended to be reported to credit bureaus. Interest you pay is credited back to your locked balance after payoff.

Monitoring & incidents

We monitor for abuse and anomalies. If a material incident occurs, we’ll notify users as required by law and take remediation steps.

Responsible disclosure

Found a security concern? Please email lockhabit@outlook.com with details. Do not access data that isn’t yours. We appreciate coordinated disclosure.