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Security report for csobpoj.cz

ČSOB Pojišťovna · Finance · Czech Republic

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

Security score

74/100

Risk levelMedium

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

ČSOB Pojišťovna is a well-established insurance company operating in the Czech Republic, offering a broad range of insurance products including property, health, and pension insurance. The website reflects a professional and trustworthy brand image consistent with its market position as part of the ČSOB financial group. The digital infrastructure is built on modern technologies such as React and Liferay CMS, supported by Adobe Launch for marketing and analytics, and OneTrust for cookie consent management. The site is mobile optimized and accessible, providing a good user experience for its target audience. From a security perspective, the website enforces HTTPS with strong SSL configuration and includes standard security headers, indicating a solid security posture. No critical vulnerabilities or exposed sensitive data were detected. Privacy compliance is well addressed with comprehensive privacy and cookie policies, including GDPR adherence. However, explicit security policies and incident response information are not publicly available, and no vulnerability disclosure or security.txt file was found. Overall, the website presents a low-risk profile with strong business credibility and technical maturity. The absence of WHOIS data is attributed to privacy protection, which is justified for a financial services entity. Strategic recommendations include publishing explicit security policies, adding vulnerability disclosure mechanisms, and continuous monitoring of third-party scripts to maintain security integrity.

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

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.

    • 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

      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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

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

Keep watching csobpoj.cz

This scan found 17 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

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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
62
Security headers
70
Email security
85
DNS health
85
Network security
100
GDPR outside view
40
Average
74

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

ČSOB Pojišťovna holds a significant position in the Czech insurance market as part of the larger ČSOB financial group. Its business model focuses on providing comprehensive insurance solutions tailored to individuals and families. The company targets Czech residents seeking reliable insurance coverage. The website supports this by offering clear product information, client zone access, and customer support channels. The use of advanced web technologies and integration with marketing and analytics platforms suggests a mature digital strategy aimed at customer engagement and retention. Partnerships and related domains such as the client zone portal enhance service delivery. The company maintains a consistent brand presence and trust signals, reinforcing its market reputation.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, strong SSL configuration, and implementation of key security headers such as Content-Security-Policy and Strict-Transport-Security. The presence of cookie consent mechanisms aligns with privacy regulations. No signs of exposed sensitive information or vulnerable libraries were found in the analyzed content. However, the lack of a publicly available security policy, incident response plan, or vulnerability disclosure program represents an area for improvement. The site uses trusted third-party services for analytics and marketing, which should be regularly audited to mitigate supply chain risks. Overall, the security posture is robust but could benefit from enhanced transparency and formalized security communication.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and incident response procedures.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting.
  3. Regularly audit and update third-party scripts and libraries to prevent vulnerabilities.
  4. Enhance transparency by providing clear contact channels for security incidents or abuse reports.
  5. Continue to monitor and improve privacy compliance and data protection measures in line with evolving regulations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
ČSOB Pojišťovna
Description
ČSOB Pojišťovna offers insurance for all life situations including property, family health, and retirement preparation.
Key services
Property insurance, Health insurance, Pension insurance
Content quality
good
Branding
consistent

Technology

Stack
React, jQuery, Clay UI, Adobe Launch, OneTrust Cookie Consent
Frameworks
Liferay Portal
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML
  • Use of modern JS libraries

Analytics and tracking

Services
Adobe Analytics (via Adobe Launch)
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel, Adobe Launch
Marketing tools
Adobe Launch, OneTrust Cookie Consent
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 no blocking or WAF challenge.
  2. WHOIS data is unavailable, likely due to privacy protection.
  3. Site uses modern web technologies and frameworks.
  4. Privacy and cookie policies are present and GDPR compliant.
  5. Contact phone number and client zone links are clearly provided.
  6. No security.txt or explicit security policy found.
  7. No vulnerabilities or exposed sensitive data detected.
  8. Tracking and marketing tools are standard for financial services.
  9. Content is professional, relevant, and safe for general audiences.
Technical notes

Notes

The website is built on the Liferay CMS platform, leveraging React and jQuery for frontend interactivity, and Clay UI components for consistent UI elements. Adobe Launch is used for marketing tag management and analytics, while OneTrust manages cookie consent and privacy compliance. The site is served over HTTPS with a strong SSL configuration, ensuring secure data transmission. Performance is moderate, with room for optimization in loading times. Mobile optimization and accessibility are well addressed, providing a good user experience across devices. The technical stack is modern and appropriate for a large financial services website, though continuous updates and security audits are recommended to maintain technical health and reduce risks.
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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