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Security report for creem.io

Creem · Technology · N/a

Medium risk. 5 critical or high findings in GDPR outside view and SSL/TLS.

Security score

73/100

Risk levelMedium

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

Creem is a technology company specializing in providing financial infrastructure and payment solutions tailored for SaaS companies and indie hackers. Their platform focuses on automating complex financial workflows such as tax compliance, global merchant of record services, fraud protection, and revenue sharing. Positioned as a cost-effective and modern alternative to traditional payment processors, Creem targets small to medium-sized digital businesses and indie hackers who require fast, reliable, and compliant payment solutions. The website demonstrates a professional design with clear messaging and customer testimonials, reinforcing its market position. Technically, the website is built using modern frameworks including React and Next.js, hosted on Vercel, and integrates marketing and analytics tools such as Google Tag Manager and Google Ads. The site is mobile-optimized and performs moderately well, though some accessibility features could be improved. Security posture is adequate with HTTPS enforced, but lacks visible security headers and formal security policies. Privacy compliance is weak due to the absence of privacy and cookie policies. Overall, the security posture is moderate with no critical vulnerabilities detected in the visible content. However, the lack of explicit privacy policies, cookie consent, and contact information for security incidents presents compliance and trust gaps. The domain WHOIS data is unavailable due to privacy protection or query failure, which is common for tech startups but reduces transparency. Strategically, Creem should prioritize publishing comprehensive privacy and cookie policies, implement security headers, and provide clear contact channels for security and support. These steps will enhance trust, compliance, and security posture, supporting their growth in the competitive SaaS payment infrastructure market.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

5 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.

    • 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 Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • 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

      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 creem.io

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.

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
72
Security headers
60
Email security
85
DNS health
85
Network security
100
GDPR outside view
35
Average
73

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

Creem operates in the competitive SaaS payment infrastructure sector, targeting indie hackers and small SaaS companies that require streamlined financial workflows and global tax compliance. Their business model is B2B SaaS, offering merchant of record services, fraud protection, and automated financial operations. The company leverages a modern tech stack and cloud hosting to enable rapid deployment and scalability. Customer testimonials indicate strong user satisfaction and fast integration times, suggesting a competitive advantage in ease of use and support. The platform's roadmap includes upcoming features like crypto payments and revenue sharing, indicating growth and innovation focus. Creem's marketing ecosystem includes Google Ads and Tag Manager, supporting customer acquisition and analytics. The lack of visible company registration or VAT information suggests a startup or early-stage company. Overall, Creem is positioned as a nimble, customer-focused player in the SaaS payment space with potential for expansion.

Security posture

Creem's website enforces HTTPS, ensuring encrypted communications. However, the absence of key security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security reduces protection against common web attacks. No exposed sensitive data or vulnerable libraries were detected in the HTML content. The site lacks visible privacy and cookie policies, which is a compliance gap under GDPR and other privacy regulations. No security.txt or vulnerability disclosure information is provided, limiting transparency for security researchers. Contact information for incident response is not found, which may delay response to security issues. Overall, the security maturity is moderate but can be significantly improved by implementing security headers, publishing policies, and establishing clear incident response channels.

Recommendations

  1. Publish a comprehensive privacy policy and cookie consent mechanism to improve privacy compliance and user trust.
  2. Implement essential security headers such as Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Strict-Transport-Security.
  3. Provide clear contact information for security incidents and general support, including a security@ or abuse@ email address.
  4. Consider publishing a security.txt file to facilitate vulnerability disclosure and improve security transparency.
  5. Enhance accessibility features and conduct regular security audits to maintain a strong security posture.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Creem
Description
Creem provides financial infrastructure and payment solutions tailored for SaaS companies and indie hackers, focusing on automating tax compliance, global merchant of record services, fraud protection, and financial workflows.
Key services
Global Merchant of Record, Tax Compliance Automation, Financial Workflows Automation, Fraud Protection, Instant Setup, Global Operations, AI-Powered Insights, Revenue Sharing (coming soon), Crypto Payments (coming soon)
Content quality
good
Branding
consistent

Technology

Stack
React, Next.js, Vercel Analytics, Google Tag Manager, Google Ads (gtag.js)
Frameworks
Next.js, React
Platforms
Vercel
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager for analytics

Analytics and tracking

Services
Vercel Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
poor

Advertising

Ad networks
Google Ads
Marketing tools
Vercel Analytics
Transparency
basic

Site quality

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

Key observations

  1. Website is accessible and not blocked by WAF or security challenges
  2. No WHOIS data available due to query failure or privacy protection
  3. No explicit privacy, cookie, or terms of service policies found on the main page
  4. No contact emails or phone numbers explicitly listed on the page
  5. Strong focus on SaaS payment and financial compliance services
  6. Use of modern web technologies and hosting on Vercel
  7. Integration with Google Ads and Google Tag Manager for marketing and analytics
  8. Multiple customer testimonials with images and names enhance trust
  9. No visible security.txt or vulnerability disclosure information
  10. No explicit security or incident response policies visible
Technical notes

Notes

The website is built on a modern React and Next.js framework hosted on Vercel, indicating a contemporary and scalable infrastructure. Integration with Google Tag Manager and Google Ads shows active marketing and analytics usage. The site is mobile-optimized with good design quality and navigation clarity. Performance is moderate, with asynchronous loading of scripts to improve user experience. However, the lack of CMS or structured data like JSON-LD limits SEO potential. No visible forms or data collection fields were detected in the main HTML content, suggesting minimal direct user data collection on the landing page. Technical debt appears low, but improvements in accessibility and security headers are recommended to reduce risks and enhance compliance.
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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