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Security report for acclm.ie

ACC Loan Management DAC · Finance · Ireland

Medium risk. 2 critical or high findings in GDPR outside view and SSL/TLS.

Security score

67/100

Risk levelMedium

0–100, higher is better. How it is calculated

ACC Loan Management DAC, operating under the Rabobank group, manages legacy loan portfolios and banking services following the return of its banking license in 2014. The website serves as an information portal for customers and stakeholders related to ACCLM and ACCIL legacy accounts, providing details on loan portfolio transfers, account closures, complaints, and contact information. The business is positioned as a medium-sized financial entity focused on legacy banking services within Ireland, supported by the global Rabobank brand. Technically, the website employs modern web technologies including Angular and analytics tools like Piano Analytics and Tealium, ensuring a responsive and accessible user experience. Security posture is strong with HTTPS enforcement, security headers, and no visible vulnerabilities, although incident response contact details could be enhanced. Overall, the site demonstrates good compliance with privacy regulations, clear business credibility, and professional content presentation.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 100 · Medium
Checks completed
7of 7

NIS2 Art. 21(2)

  1. (a) Risk analysis and security policies: Not visible from outside
  2. (b) Incident handling: One indicator
  3. (c) Business continuity, backups and crisis management: Not visible from outside
  4. (d) Supply chain security: Not visible from outside
  5. (e) Secure acquisition, development and maintenance, including vulnerability handling: Partly checked
  6. (f) Assessing the effectiveness of security measures: Not visible from outside
  7. (g) Cyber hygiene and security training: Not visible from outside
  8. (h) Cryptography and encryption: Partly checked
  9. (i) HR security, access control and asset management: One indicator
  10. (j) Multi-factor authentication and secured communications: Not visible from outside

This scan rated NIS2 with an earlier keyword method that is no longer shown; rescan for the per-article view. Risk management, continuity, supply chain, training, MFA, management oversight (Art. 20) and incident reporting (Art. 23) need internal evidence, and Guard cannot tell whether NIS2 applies to this organisation.

GDPR is indicative only, based on publicly visible signals: Articles 7, 12, 13 and 32 of Regulation (EU) 2016/679 and Article 5(3) of the ePrivacy Directive. Not a certification or legal assessment.

Priority findings

2 findings rated critical or high. Fix these first.

  1. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  2. SSL/TLS

    TLS encrypts the connection and proves the site is really yours. Weak or expiring certificates trigger browser warnings and put traffic at risk.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

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Keep watching acclm.ie

This scan found 13 issues across 6 checks. Monitoring re-runs those checks daily, emails you when something material changes and records each fix, so you can show progress.

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  • TLS certificates and expiry
  • DNS records
  • SPF, DKIM and DMARC
  • Security headers
  • GDPR and NIS2 posture
  • Exposed services
  • Third-party trackers
  • Security score drift

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Results by check

Each check with its score, findings and the evidence it collected.

How this score is calculated

The security score runs 0–100, higher is better. It is the plain average of the security checks that completed in this scan, each counted equally. A check that could not run is left out: it counts neither as a pass nor as a fail.

Counted in this score

SSL/TLS
0
Security headers
70
Email security
88
DNS health
85
Network security
100
GDPR outside view
58
Average
67

Not counted

  • NIS2 outside view: Re-weights evidence from the TLS, email, DNS, network and hygiene checks, so counting it would count that evidence twice. Shown on its own.
  • OffSeq Observations: An AI reading of the site, useful context but not reproducible evidence. Shown on its own.

Findings that cap the score at 49

Each of these is serious on its own, so while any is present the site cannot rate better than high risk, however good the other checks are.

  • The certificate is not trusted by browsers
  • The website is not served over HTTPS
  • A database, remote desktop, file-sharing or Telnet service is reachable from the internet
  • The page loads a script from a compromised source
  • The domain registration has expired
  • SPF authorises every server to send mail as the domain

Partial scans

When the site blocks Guard or most checks cannot run, the score covers only the checks that ran (usually DNS and email), is capped at 75 and is shown as partial, without a risk level.

Risk levels

  • Critical0–25
  • High26–49
  • Medium50–75
  • Low76–100

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

The company operates as a subsidiary of Coöperatieve Rabobank U.A., focusing on managing legacy loan portfolios and related banking services. Its market position is niche, serving customers with historical banking products and loans. The business model revolves around servicing and managing legacy financial assets rather than active banking operations. The website reflects a mature digital presence with clear navigation and content relevant to its audience. Partnerships and related domains are tightly integrated within the Rabobank ecosystem, enhancing trust and operational coherence. Growth indicators are limited due to the legacy nature of the business, but the site maintains professional standards and compliance.

Security posture

The website exhibits a mature security posture with HTTPS enabled and multiple security headers implemented, including HSTS, X-Content-Type-Options, and Content-Security-Policy. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The absence of explicit incident response contacts and a security.txt file suggests room for improvement in vulnerability disclosure readiness. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, the security maturity is high, suitable for a financial services legacy portal, but could benefit from enhanced transparency on incident handling.

Recommendations

  1. Publish explicit incident response contact information such as security@ or abuse@ email addresses to improve vulnerability reporting.
  2. Implement and publish a security.txt file to formalize vulnerability disclosure processes.
  3. Enhance transparency on data retention policies and user data handling to strengthen privacy compliance.
  4. Consider adding direct contact phone numbers or emails for customer support to improve accessibility.
  5. Regularly review and update third-party scripts and analytics tools to mitigate potential security risks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ACC Loan Management DAC
Description
ACC Loan Management DAC (ACC Loan Management or ACCLM) was formerly known as ACC Bank plc. In June 2014 the banking license was returned to the Central Bank of Ireland and the company name was changed to ACC Loan Management.
Key services
Loan portfolio management, Account closures and dormant account management, Customer support for legacy banking products
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Angular (version 19.2.6), Coveo Search, Piano Analytics
Frameworks
Angular
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Security headers present
  • No exposed sensitive data in HTML
  • Secure forms with no visible vulnerabilities

Analytics and tracking

Services
Piano Analytics, Tealium
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Piano Analytics, Tealium (utag)
Marketing tools
Piano Analytics, Tealium Tag Management
Transparency
basic

Site quality

Design
good
User experience
good
Content relevance
good
Navigation
good
Professionalism
good
Trustworthiness
high

Key observations

  1. Website is a legacy information portal for ACC Loan Management and ACC Investments Limited under Rabobank
  2. Content is professionally presented with clear navigation and structured information
  3. No signs of phishing, malware, or suspicious content
  4. Good compliance with privacy and cookie regulations
  5. No direct email addresses or phone numbers found in the main content; contact is via dedicated contact pages/forms
  6. Social media presence is linked to Rabobank's official channels
  7. Use of modern web technologies and analytics tools
  8. Security best practices are implemented with HTTPS and security headers
Technical notes

Notes

The website is built using Angular framework (version 19.2.6), leveraging modern JavaScript and module loading techniques. It integrates analytics via Piano Analytics and tag management through Tealium, indicating a mature digital marketing infrastructure. The site is hosted likely on Rabobank's infrastructure, with no third-party hosting explicitly detected. Performance is moderate with good mobile optimization and accessibility features. SEO is well supported with comprehensive meta tags and Open Graph data. The technical implementation reflects a well-maintained enterprise-grade web presence with opportunities to enhance incident response and security transparency.
Standards and sources

Reference chips under each finding point to the standard, regulation or specification the finding relates to. They are taken from the official datasets below and mapped conservatively: a finding with no defensible link shows none. NIS2 and GDPR references mark where a finding is relevant evidence, not a compliance verdict. Implementing Regulation (EU) 2024/2690 binds digital infrastructure and digital service providers; for other entities it is the most detailed public reading of the Article 21 measures. WCAG, EN 301 549, European Accessibility Act and Web Accessibility Directive references name the requirement an automated accessibility rule relates to; they are not a conformance verdict.

Retrieved 2026-10-25

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