security: harden vulnerability disclosure policy (#3419)

diff --git a/docs/SECURITY.md b/docs/SECURITY.md
index e7c6baa..0198e72 100644
--- a/docs/SECURITY.md
+++ b/docs/SECURITY.md
@@ -1,12 +1,101 @@
 # Security Policy
 
-## Reporting a Vulnerability
+Cake Wallet is developed by **Cake Labs LLC**. We take the security and privacy of
+our users seriously and welcome reports from security researchers.
 
-If you need to report a vulnerability, please either:
+> **Cake Wallet is not affiliated with CAKE.com, Clockify, or security.cake.com.**
+> Those services belong to unrelated companies. The only official vulnerability
+> disclosure channels for Cake Wallet are the ones listed on this page and at
+> https://cakewallet.com/security.
 
-* Open a security advisory: https://github.com/cake-tech/cake_wallet/security/advisories/new
-* Send an email to `dev@cakewallet.com` with details on the vulnerability
+## Reporting a vulnerability
 
-## Supported Versions
+**Please do not open a public issue, pull request, or social-media post for a
+security vulnerability.** Public disclosure before a fix is available puts users'
+funds and privacy at risk. Use one of the private channels below and we will
+coordinate a fix and disclosure with you.
 
-As we don't maintain previous versions of the app, only the latest release for each platform is supported and any updates will bump the version number.
+1. **GitHub private security advisory (preferred).**
+   [Report a vulnerability](https://github.com/cake-tech/cake_wallet/security/advisories/new).
+   This gives you a private, structured thread with the maintainers and is the
+   fastest way to reach us.
+2. **Encrypted email.** Send details to **security@cakewallet.com**. For sensitive
+   reports, please encrypt with our PGP key:
+   - Key: https://cakewallet.com/.well-known/cakewallet-security.asc
+   - Fingerprint: `DC91 6520 0271 AC6A 0533  3D3C BFE7 D9A5 0E4D 3A0A`
+
+Both channels are monitored and automatically raise an alert in our internal
+security channel, so reports will not be missed.
+
+### What to include
+
+- A clear description of the issue and its security impact.
+- Step-by-step reproduction, ideally with a proof of concept.
+- Affected platforms (iOS, Android, macOS, Linux, Windows) and app version.
+- Affected wallet types / chains, if applicable.
+- Any relevant logs, addresses, or transaction IDs (for on-chain issues).
+
+If you used AI tooling to find or write up the report, please say so.
+
+## Our commitment (safe harbor)
+
+We consider security research conducted in good faith under this policy to be
+authorized. We will not pursue or support legal action against researchers who:
+
+- make a good-faith effort to avoid privacy violations, data destruction, and
+  interruption or degradation of our services;
+- only interact with accounts they own or have explicit permission to access; and
+- give us a reasonable opportunity to fix an issue before disclosing it publicly.
+
+If in doubt about whether an action is authorized, ask us first at
+security@cakewallet.com.
+
+## What to expect
+
+- **Acknowledgement:** within **2 business days**.
+- **Triage and initial assessment:** within **7 business days**.
+- **Coordinated disclosure:** we aim to ship a fix and coordinate public
+  disclosure within **90 days** of the report. We will keep you updated on
+  progress and agree on a disclosure date with you.
+- **Credit:** with your permission, we are happy to publicly credit you for the
+  report once a fix is released.
+
+## Scope
+
+**In scope:** the Cake Wallet and Monero.com applications and the code in this
+repository and its sibling `cake-tech` repositories — anything that could lead to
+loss of funds, exposure of keys or seeds, a privacy leak, or a
+failed/incorrect transaction.
+
+**Out of scope:** issues in third-party services, exchange/swap providers, or
+nodes we do not operate; reports generated solely by automated scanners without a
+demonstrated impact; low-severity or informational issues on our marketing and
+landing websites (for example reflected or self-XSS, missing security headers,
+clickjacking on pages with no sensitive actions, or SPF/DMARC and cookie-flag
+nitpicks) that do not affect the app or user funds; and social-engineering or
+physical attacks.
+
+## Rewards
+
+At our **sole discretion**, we may offer a reward for a valid report. To be
+eligible, a report must:
+
+- be submitted **privately** through one of the channels above (a GitHub private
+  security advisory or `security@cakewallet.com`) — anything disclosed publicly or
+  sent through other channels is not eligible; and
+- identify a genuine vulnerability with real impact on users — typically loss of
+  funds, exposure of keys or seeds, a privacy leak, or a failed or incorrect
+  transaction.
+
+Trivial or low-impact findings are **not** eligible — for example, reflected XSS
+or other low-severity issues on our marketing websites, missing security headers,
+hardening or best-practice suggestions, automated-scanner output without a working
+proof of concept, or already-known issues. There is no fixed bounty and no
+guaranteed payout; whether a report qualifies, and any amount, are determined
+solely by Cake Labs LLC.
+
+## Supported versions
+
+We do not maintain previous releases. Only the **latest release for each platform**
+is supported; security fixes are delivered in new versions. Please keep Cake Wallet
+up to date.