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Security report for creditosammarinese.sm

403 Forbidden · Finance · San Marino

High risk. 8 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

31/100

Risk levelHigh

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

The website creditosammarinese.sm appears to represent a financial services entity based in San Marino, with a domain registered since 2014, indicating a mature presence. However, the website content is completely inaccessible, returning a 403 Forbidden error with minimal HTML content, likely due to Cloudflare protection or server-side access restrictions. This severely limits the ability to assess the business offerings, user engagement, or compliance posture. Technically, the site lacks a valid SSL certificate and does not support HTTPS, exposing users to security risks. The DNS setup uses Cloudflare nameservers but lacks advanced DNS security features such as DNSSEC or CAA records. No privacy, cookie, or terms of service policies are present, and no contact or social media information is available on the site.

Scanned

This is an earlier scan of creditosammarinese.sm. View the latest report

NIS2 and GDPR posture

GDPR outside view
15/ 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

8 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

  3. 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';…

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

Keep watching creditosammarinese.sm

This scan found 21 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
15
Email security
50
DNS health
65
Network security
40
GDPR outside view
15
Average
31

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

Due to the lack of accessible content, detailed business intelligence is unavailable. The domain age and registration status suggest a legitimate financial business operating in San Marino. The absence of domain protection locks and DNS security features is unusual for a financial institution and may indicate oversight or risk. No information on partnerships, subsidiaries, or market positioning can be derived from the site. The business likely targets local or regional customers seeking credit or financial services, but this cannot be confirmed from the website.

Security posture

The security posture is weak. The absence of HTTPS and a valid SSL certificate is a critical vulnerability, exposing users to interception and data tampering. No security headers or HSTS are configured, and no vulnerability disclosures or incident response contacts are published. DNS security features are missing, and the domain lacks protection locks, increasing risk of domain hijacking. The 403 Forbidden error page indicates some access control but also blocks legitimate content, reducing transparency and trust. Overall, the site does not meet basic security best practices expected for a financial services website.

Recommendations

  1. Obtain and install a valid SSL/TLS certificate to enable HTTPS and protect user data.
  2. Configure essential security headers (CSP, X-Frame-Options, X-Content-Type-Options) and enable HSTS.
  3. Review and adjust server access controls to allow legitimate user access and avoid 403 errors on main content.
  4. Implement domain protection locks and enable DNSSEC and CAA records to enhance domain security.
  5. Publish clear privacy, cookie, and terms of service policies to improve compliance and user trust.
Technical notes

Notes

The website is hosted behind Cloudflare DNS but lacks SSL configuration, resulting in HTTP-only access which is insecure. The site returns a 403 Forbidden error with minimal HTML, indicating restricted access or misconfiguration. Performance is slow with only two resources loaded and a small page size, but this is likely due to the error page rather than actual site content. No CMS, frameworks, or modern technologies are detectable. The lack of metadata, scripts, or structured data suggests the site is either under maintenance, misconfigured, or intentionally restricted. Mobile optimization and accessibility cannot be assessed due to blocked 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. 38/100High29 findingsView report
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