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I installed incredimail yesterday to experiment with something. To my surprise I found out that it was able to pull email accounts from windows live mail including my username and password!! How is it possible for incredimail to do it?

More serious concern is what stops spyware/virus programs to do the same? Is this a big security concern?

I did some research and found that email accounts were stored in .IAF files till outlook 2002 and they are in proprietary format.

Links - Incredimail help site -http://help.incredimail.com/incredimail/help_center/help_article.aspx?is=t&article_id=6 IAF file info - http://www.fileinfo.com/extension/iaf