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Security report for bino.lv

Bino · Finance · Latvia

Medium risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

71/100

Risk levelMedium

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

Bino.lv is an online financial service provider based in Latvia offering credit lines up to 10,000 EUR with flexible repayment options. The website is built using modern JavaScript frameworks such as Vue.js and Nuxt.js, providing a responsive and user-friendly experience. The presence of a cookie consent banner and HTTPS indicates attention to privacy and security, although explicit privacy policies and terms of service pages were not found in the provided content. The site integrates Google Tag Manager for analytics and Zopim for live chat support, reflecting a moderate level of digital maturity. Security posture is generally good with HTTPS enforced, but could be improved by adding security headers and publishing incident response contacts. Overall, the domain registration data aligns well with the business claims, supporting legitimacy and trustworthiness.

Scanned

NIS2 and GDPR posture

GDPR outside view
95/ 100 · Low
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

4 findings rated critical or high. Fix these first.

  1. Security headers

    Security headers are instructions your web server sends to every visitor’s browser. Missing ones leave visitors more exposed to attacks such as clickjacking and injected scripts.

    • High

      Missing Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • High

      Missing X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

    • High

      Missing Content-Security-Policy header

      Controls resources the browser is allowed to load

      What to do: Implement a Content-Security-Policy appropriate for your application

      • ASVS V3.4.3
      • OWASP Secure Headers: OWASP Secure Headers Project recommends Content-Security-Policy: default-src 'self'; form-action 'self'; base-uri 'self'; object-src 'none';…

  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.

    • High

      Weak Protocols Supported

      Server supports weak protocols: TLSv1.1

      What to do: Disable TLS 1.0, TLS 1.1, and all SSL versions

      • CWE-327
      • OWASP A04:2025
      • ASVS V12.1.1

Need hands-on remediation? Email guard@offseq.com

Keep watching bino.lv

This scan found 22 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.

Daily monitoring

Recommended

€25per month

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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
62
Security headers
15
Email security
85
DNS health
70
Network security
100
GDPR outside view
95
Average
71

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

Bino.lv operates in the finance sector, focusing on online lending services targeted at individuals in Latvia. The business model centers on providing credit lines with minimal payments and flexible terms, appealing to customers seeking convenient online credit solutions. The website's design and content quality are good, with consistent branding and clear navigation. The use of modern web technologies and integration of marketing and support tools indicate a well-maintained digital presence. However, the absence of visible contact details and formal privacy/legal documents may limit full trust and compliance perception. No suspicious domains or partners were identified, suggesting a focused and direct business operation.

Security posture

The website enforces HTTPS and includes a cookie consent mechanism, demonstrating baseline security and privacy awareness. However, no security headers such as Content-Security-Policy or X-Frame-Options were detected, which are recommended to mitigate common web vulnerabilities. No exposed sensitive data or vulnerable libraries were found in the HTML content. The lack of published security policies or incident response contacts indicates room for improvement in transparency and readiness. Overall, the security posture is moderate but could be enhanced by implementing recommended headers and formalizing security documentation.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service pages accessible from the website footer or main navigation.
  2. Add security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to improve protection against web attacks.
  3. Publish incident response and abuse contact information to enhance transparency and readiness for security incidents.
  4. Include clear company contact information such as official emails and phone numbers on the website to improve trust and customer support.
  5. Conduct regular security audits of third-party scripts and dependencies to ensure no vulnerabilities are introduced.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Bino
Description
Bino.lv offers credit line services up to 10,000 EUR with flexible repayment options and minimal payments, targeting customers seeking online credit solutions.
Key services
Credit line up to 10,000 EUR, Flexible repayment terms, Online application
Content quality
good
Branding
consistent

Technology

Stack
Vue.js, Nuxt.js, Google Fonts, Zopim Live Chat
Frameworks
Vue.js, Nuxt.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Zopim Chat
Marketing tools
Zopim Live Chat
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges
  2. Cookie consent mechanism is implemented and visible
  3. No explicit privacy policy or terms of service pages found in the provided HTML
  4. No contact emails or phone numbers explicitly found in the HTML content
  5. Uses modern JavaScript frameworks (Vue.js, Nuxt.js) and Google Fonts
  6. Includes live chat support via Zopim
  7. No suspicious or malicious scripts detected
  8. No exposed sensitive data or credentials in HTML
  9. No security.txt or vulnerability disclosure policy found
Technical notes

Notes

The website is built on a modern JavaScript stack using Vue.js and Nuxt.js frameworks, enabling server-side rendering and improved SEO. Google Fonts are used for typography, and Zopim live chat is integrated for customer support. Google Tag Manager is employed for analytics and marketing tracking. The site appears mobile-optimized with responsive design elements. Performance is moderate, with preloading of scripts and optimized assets. Accessibility features are basic but present. No CMS was detected, indicating a custom or bespoke solution. Hosting provider details were not identified from the HTML content.
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

Earlier scans of this domain

  1. 74/100Medium31 findingsView report
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