Zurich Insurance (AT) (at.zurich.zapp, com.zurich.ziomob2): Privacy & Security Findings

report - rfi-irfos
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Permanent Disclosure Ledger

The discipline, demonstrated

On behalf of our research partners, we investigate publicly distributed Android and iOS apps: we decompile them, follow their code and data flows, and trace every connection to the servers it reaches. Hundreds of agents work through each app and join the technical evidence into one picture, which our specialists then review and verify.

387+
Android/iOS apps audited
Every app is decompiled at source-code level, not just scanned from outside.
1.04M+
Smali classes read
The full shipped code we have actually read, not an estimate.
262+
Critical findings recorded
Confirmed findings copied to regulators, not theoretical risks.
970+
Weak points found
Third-party tracking we have provably found inside the binary.
567+
Endpoints investigated
Real servers and countries where data actually flows.
132+
SDK instances mapped
Reusable libraries correlated across the entire corpus.
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Showing the report for Zurich Insurance (AT).
OrganisationNotifiedStatusSevIntel (click to expand)StatutesResolvedDisclosureElapsedReport
Zurich Insurance (AT)
SIX
2026-06-26
92d ago
CS deflect
High
Both of Zurich's insurance apps relaunch themselves automatically every time you restart your phone, without you opening them, and feed your customer data into a marketing-automation platform. Tracking of your insurance-related activity can begin before you have chosen to use the app at all. Zurich acknowledged receipt on 28 July 2026 with a generic assurance to investigate and fix findings if confirmed, without substantively confirming or refuting any of the four findings. Three further messages over the following 60 days received no reply. Six messages sent across 72 days. All four findings re-scored under CVSS v4.0: the hardcoded Firebase key with pre-consent init corrects to HIGH, Urban Airship and the missing network security config correct to MEDIUM, and the boot-triggered autostart finding is raised from a CVSS-computed LOW to MEDIUM given the nationwide, user-independent trigger.
ZAPP v5.0.0 + ZIO v1.3.2: BOOT_COMPLETED autostart on both insurance apps - background auto-launch at every device boot before user opens app. Urban Airship marketing platform on insurance customer data. SIX: ZURN.
click to expand
GDPR Art. 5(1)(c)GDPR Art. 13
Yes
Closed
Disclosure
92d 00h 00m 00s
Published
PDF

This ledger is updated in real time as companies respond. Silence is public. Severity is scored primarily by CVSS v4.0, we reserve the right to deviate based on blast radius.