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Security report for cardif.cz

BNP Paribas Cardif Česká republika · Finance · Czech Republic

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

69/100

Risk levelMedium

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

BNP Paribas Cardif Česká republika is a well-established insurance company founded in 2001, offering a broad range of personal and property insurance products including loan repayment insurance, everyday risk insurance, extended warranty insurance, household and liability insurance, travel insurance, and accident insurance. The company positions itself as a trusted insurer with a strong market presence in the Czech Republic, supported by multiple awards and positive client testimonials. The website reflects a mature digital presence built on WordPress with modern SEO and user experience practices, including mobile optimization and accessibility features. Security posture is solid with HTTPS and no visible vulnerabilities, though explicit security policies and incident response contacts are not published. Privacy compliance is well addressed with clear privacy and cookie policies and consent mechanisms. Overall, the site demonstrates high professionalism, trustworthiness, and business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
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

6 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

      EU business without adequate privacy measures

      EU businesses are subject to strict GDPR requirements

      What to do: Implement comprehensive GDPR compliance including privacy policy, cookie consent, and data protection measures

    • High

      No Privacy Policy found

      GDPR requires a clear and accessible privacy policy

      What to do: Add a comprehensive privacy policy page and link to it prominently

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, Google APIs

      What to do: Document all third-party data sharing in your privacy policy

  2. 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 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';…

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Keep watching cardif.cz

This scan found 18 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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Recommended

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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
80
Security headers
55
Email security
70
DNS health
85
Network security
100
GDPR outside view
25
Average
69

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 in the finance sector, specifically insurance, targeting the general public in the Czech Republic. It benefits from the backing of the BNP Paribas group, enhancing its market credibility. The business model focuses on direct insurance sales and claims management, supported by online client zones and digital tools. The presence of awards and client videos indicates strong customer engagement and brand trust. Partnerships include career platforms and Google services for location and reviews. The company maintains a consistent brand image and provides comprehensive corporate information, supporting transparency and regulatory compliance.

Security posture

The website employs HTTPS with good SSL configuration and uses Google Tag Manager and Jetpack for analytics and tracking. No security headers were explicitly detected in the HTML content, suggesting room for improvement. There is no dedicated security policy or incident response page, nor a security.txt file, which are recommended for enhanced transparency and vulnerability management. No exposed sensitive data or vulnerable libraries were found. The site uses consent mechanisms for cookies, aligning with GDPR requirements. Overall, the security posture is good but could be strengthened by publishing explicit security policies and adding security headers.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide clear incident response contact channels such as security@ or abuse@ email addresses.
  3. Implement and configure security headers like Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Regularly audit and update third-party scripts and plugins to mitigate vulnerabilities.
  5. Consider publishing a security.txt file to facilitate responsible vulnerability disclosure.

Contact details published on the site

Addresses
Legal name
BNP Paribas Cardif Pojišťovna, a.s.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
BNP Paribas Cardif Česká republika
Description
BNP Paribas Cardif Pojišťovna. Pojistíme vás, vaše blízké, ale i váš osobní majetek, půjčky, hypotéky nebo kreditní karty
Key services
Pojištění schopnosti splácet, Pojištění každodenních rizik, Pojištění prodloužené záruky, Pojištění domácnosti a odpovědnosti, Cestovní pojištění, Úrazové pojištění
Content quality
excellent
Branding
consistent

Technology

Stack
WordPress, Yoast SEO plugin, Google Tag Manager, Jetpack, SearchWP, Landbot Livechat
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager with dataLayer
  • No visible vulnerable libraries

Analytics and tracking

Services
Jetpack Stats, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Jetpack Stats, OneTrust
Marketing tools
Landbot Livechat, Yoast SEO
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured
  2. Content is comprehensive and relevant to insurance services
  3. Multiple client testimonials and awards enhance trust
  4. Use of modern web technologies and SEO best practices
  5. Clear contact information and corporate details provided
  6. No signs of malicious or suspicious activity
  7. Cookie consent mechanism is implemented
  8. No explicit security policy or incident response page found
Technical notes

Notes

The website is built on WordPress CMS with plugins such as Yoast SEO, Jetpack, and SearchWP, indicating a modern and extensible platform. Google Tag Manager is used for analytics and marketing tags, and Landbot Livechat provides interactive customer support. The site is mobile optimized and accessible, with good SEO metadata including Open Graph and JSON-LD structured data. Performance is moderate, with lazy loading images and responsive design. Hosting provider details are not explicit but the domain uses multiple authoritative nameservers including bnpparibas.com. The technical stack is well maintained with no visible deprecated or vulnerable components.
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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