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Security report for collector.se

Collector · Finance · Sweden

Low risk. 4 critical or high findings in GDPR outside view and SSL/TLS.

Security score

80/100

Risk levelLow

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

Collector is a Swedish financial services provider offering personal loans, credit cards, and savings accounts primarily targeting private individuals and businesses in Sweden. The company operates under the brand Collector, which is part of Norion Bank AB. The website demonstrates a mature digital presence with a focus on user experience, clear product offerings, and compliance with privacy regulations such as GDPR. The technical infrastructure includes modern web technologies, cookie consent management, and analytics integration, reflecting a well-maintained platform. Security posture is strong with HTTPS enforcement and standard security headers, although explicit security policies and incident response contacts are not published. Overall, the site is professional, trustworthy, and aligned with industry standards for financial services.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 100 · High
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. 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook

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

  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 collector.se

This scan found 14 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

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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
82
Security headers
95
Email security
85
DNS health
75
Network security
100
GDPR outside view
40
Average
80

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

Collector positions itself as a reliable and customer-focused financial institution in the Swedish market, emphasizing sustainable lending without collateral. Its business model revolves around consumer finance products including unsecured loans, a travel-friendly Mastercard credit card, and competitive savings accounts protected by the Swedish deposit guarantee. The company leverages digital channels for customer acquisition and service delivery, including BankID for secure loan applications. Partnerships and parent company affiliation with Norion Bank AB enhance credibility. The presence of educational content and warnings about fraud indicate a customer-centric approach. Growth potential is supported by digital tools such as a mobile app and integration with payment platforms like Apple Pay.

Security posture

The website exhibits a solid security foundation with HTTPS, modern security headers, and cookie consent mechanisms that respect user privacy. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure program suggests room for improvement in transparency and readiness. The site uses third-party scripts for analytics and consent management, which appear to be well integrated. Overall, the security posture is good but could be enhanced by formalizing security governance documentation and incident handling procedures.

Recommendations

  1. Publish a dedicated security policy page detailing security practices and user guidance.
  2. Provide clear incident response contact information such as security@ or abuse@ email addresses.
  3. Implement and publish a vulnerability disclosure or security.txt file to encourage responsible reporting.
  4. Include data protection officer contact details to strengthen GDPR compliance transparency.
  5. Regularly review and audit third-party scripts and cookies to minimize privacy and security risks.

Contact details published on the site

Addresses
Legal name
Norion Bank AB
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Collector
Description
Collector erbjuder privatlån och kreditkort till privatpersoner samt sparkonton till privatpersoner och företag. Med fokus på sund och hållbar kreditgivning hjälper Collector kunder att låna tryggt utan säkerhet. Collector är ett varumärke inom Norion Bank AB (tidigare Collector Bank AB).
Key services
Privatlån, Kreditkort (Easyliving Mastercard), Sparkonton för privatpersoner och företag
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, Google Tag Manager, CookiePro Consent Management, HTML5, CSS3, Proxima Nova font
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
90/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-out
  • No exposed sensitive data in HTML
  • No vulnerable libraries detected

Analytics and tracking

Services
Google Analytics, Floodlight
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Floodlight
Marketing tools
CookiePro Consent Management
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking detected.
  2. Strong cookie consent and privacy compliance mechanisms implemented.
  3. No contact email explicitly found in HTML; phone number and physical address present.
  4. No visible forms collecting personal data on the homepage; loan application links redirect to secure subdomain.
  5. Use of modern fonts and responsive design indicates good technical maturity.
  6. Social media presence on Instagram and Facebook confirmed.
  7. No explicit security.txt or vulnerability disclosure found.
  8. WHOIS data missing for queried subdomain; domain legitimacy inferred from website content and branding.
Technical notes

Notes

The website uses a modern tech stack including HTML5, CSS3, and JavaScript with external libraries such as Google Tag Manager and CookiePro for analytics and consent management. The site is mobile-optimized with responsive design and preloaded web fonts for performance. SEO best practices are observed with proper meta tags and structured data (JSON-LD). Hosting details are not explicitly identified, but the site is served over HTTPS with strong SSL configuration. Performance is moderate, with potential for optimization in loading speed. Accessibility features such as ARIA labels and keyboard navigation are present, indicating attention to inclusive design. Overall, the technical implementation supports a professional and user-friendly online presence.
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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