With more and more consumers and businesses using apps and online services to transfer money and conduct other financial transactions, people are naturally concerned about security.

Your task: You work in customer communications for Venmo, makers of a popular money-transfer app. Your team gets quite a few inquiries about security, so you’ve decided to write a standard reply that you and your colleagues can send via email or through the chat function in the Venmo app. Visit www.venmo.com and review the information on security. Write a message of no more than 400 characters that describes how Venmo uses encryption and what customers should do if they suspect trouble with their accounts.