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Security report for creditstar.cz

Creditstar Czech, s.r.o · Finance · Czech Republic

Medium risk. 9 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

59/100

Risk levelMedium

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

Creditstar Czech, s.r.o is a fintech company specializing in consumer lending, offering flexible installment loans primarily in the Czech Republic and across eight European countries. The company emphasizes simplicity, speed, and online accessibility, targeting consumers seeking personal loans up to 120,000 CZK with repayment terms up to 24 months. Their market position is strong with over one million customers and 15+ years of operation, supported by a parent group, Creditstar Group. The website reflects a professional and consistent brand image with clear business information and customer contact details. Technically, the website is built on WordPress with modern JavaScript libraries and frameworks such as jQuery, Modernizr, and Foundation. It integrates multiple analytics and marketing tools including Google Analytics, Facebook Pixel, Amplitude, Hotjar, and Intercom, indicating a mature digital marketing and user engagement strategy. The site is mobile optimized and SEO friendly, though accessibility features could be improved. From a security perspective, the site uses HTTPS with good SSL configuration and no visible sensitive data exposure. However, it lacks explicit security headers and published security policies or incident response contacts. The absence of WHOIS data limits domain trust verification, though the business information and licensing claims support legitimacy. Privacy and cookie policies are not clearly presented on the main page, which may impact GDPR compliance perception. Overall, Creditstar Czech presents a credible and professional online presence with a solid business model and technical foundation. To enhance trust and compliance, it is recommended to publish comprehensive privacy and security policies, improve accessibility, and verify domain registration details publicly.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

9 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

  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 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 creditstar.cz

This scan found 24 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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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
75
Security headers
20
Email security
70
DNS health
80
Network security
100
GDPR outside view
10
Average
59

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

Creditstar Czech operates in the competitive fintech consumer lending market, leveraging technology to provide fast, flexible loans online. Their competitive advantages include a streamlined application process, no hidden fees, and a broad European footprint. Revenue streams are primarily from interest and fees on consumer loans. The target customers are individuals needing quick access to credit for life events or purchases. Growth indicators include over one million customers and expansion into eight countries. The company maintains partnerships within the Creditstar Group and fintech associations, enhancing credibility and market reach. Strategic observations highlight a focus on innovation, customer experience, and data-driven product development.

Security posture

The website demonstrates a moderate to good security posture with HTTPS enforced and no obvious data leaks. The use of multiple tracking and marketing scripts is well managed but increases the attack surface. The lack of security headers and absence of published security policies or incident response contacts are gaps that could be exploited or reduce user trust. GDPR compliance is partial due to missing explicit privacy and cookie policies on the main page. No vulnerability disclosures or security.txt files were found, indicating limited transparency in security practices. Incident response readiness and data protection officer contact information are not publicly available, which could be a compliance risk.

Recommendations

  1. Publish a comprehensive privacy policy and cookie policy prominently linked on the website.
  2. Implement and configure security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  3. Provide clear security policy and incident response contact information, including a security@ or abuse@ email address.
  4. Add a vulnerability disclosure program or security.txt file to improve transparency and trust.
  5. Enhance website accessibility features to meet WCAG standards and improve user experience for all visitors.

Contact details published on the site

Addresses
Legal name
Creditstar Czech, s.r.o
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creditstar Czech, s.r.o
Description
Creditstar is a financial technology company offering flexible consumer loans to private individuals. Operating since 2006, it aims to make borrowing simple and accessible. It operates in eight European countries with over one million registered users.
Key services
SmartCredit installment loans, Online loan application and approval, Flexible repayment options
Content quality
good
Branding
consistent

Technology

Stack
WordPress, jQuery, Modernizr, Foundation Framework, Google Tag Manager, Google Analytics, Facebook Pixel, Amplitude Analytics, Intercom, Toastify
Frameworks
Foundation
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security and tracking scripts with integrity and crossorigin attributes

Analytics and tracking

Services
Google Analytics, Amplitude, Facebook Pixel, Hotjar
Tracking level
extensive
Privacy practices
basic

Advertising

Ad networks
Google Ads
Tracking pixels
Facebook Pixel, Amplitude, Hotjar
Marketing tools
PixelYourSite, Intercom
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and interactive loan calculator.
  2. No WHOIS data available from provided raw output, limiting domain trust analysis.
  3. No explicit privacy or cookie policy pages detected on main page; may exist on other URLs.
  4. Terms of Service page is present and linked in footer.
  5. Multiple contact methods clearly displayed including phone, email, and physical address.
  6. Use of multiple analytics and marketing tracking tools indicates extensive user behavior monitoring.
  7. No security.txt or vulnerability disclosure information found.
  8. Website uses HTTPS with no visible mixed content.
  9. No signs of adult or questionable content; site is safe for general audiences.
Technical notes

Notes

The website is built on a WordPress CMS platform with a modern tech stack including jQuery, Modernizr, and the Foundation framework for responsive design. It integrates multiple third-party analytics and marketing tools such as Google Analytics, Facebook Pixel, Amplitude, Hotjar, and Intercom, indicating a sophisticated approach to user tracking and engagement. Performance is moderate with some optimization opportunities. The site is mobile optimized and SEO friendly with proper meta tags and structured data (JSON-LD). However, accessibility is basic and could be improved. Hosting provider details are not explicitly identified. Overall, the technical infrastructure supports the business goals but would benefit from enhanced security configurations and accessibility improvements.
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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