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Security report for dyninnofintech.com

EcoFinance · Finance · Cyprus

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

67/100

Risk levelMedium

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

EcoFinance is a fintech company founded in 2015 and part of the Dyninno Group, specializing in providing inclusive lending products such as short-term loans, installment loans, and credit lines across Europe and the Philippines. The company positions itself as a data-driven and customer-focused lender with a strong emphasis on technology and personalized service. Their market presence includes operations in multiple countries with over 500,000 satisfied clients and a loan portfolio exceeding €179 million since inception. Technically, the website is built on the Webflow platform, leveraging modern web technologies including Google Tag Manager, Google Analytics, and Cloudflare Turnstile CAPTCHA for bot protection. The site is well-optimized for mobile devices, fast loading, and accessible, with professional design and clear navigation. However, some security best practices such as explicit security headers and cookie consent mechanisms could be improved. From a security perspective, the site enforces HTTPS and uses CAPTCHA on forms, reducing risk of automated abuse. No exposed sensitive data or vulnerable libraries were detected. The absence of public security policies and incident response information is a gap that could be addressed to enhance trust and compliance. The domain WHOIS data is privacy protected as per EURid policy, which is typical for .eu domains, and no suspicious patterns were found. Overall, EcoFinance presents a credible and professional fintech business with a solid digital presence and good security posture. Strategic improvements in privacy compliance and security transparency would further strengthen their risk profile and customer trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
28/ 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

6 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 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

  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 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';…

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Keep watching dyninnofintech.com

This scan found 23 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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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
72
Security headers
30
Email security
85
DNS health
85
Network security
100
GDPR outside view
28
Average
67

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

EcoFinance operates in the competitive fintech lending sector, focusing on accessible and flexible loan products for individuals and small businesses in Europe and the Philippines. Their affiliation with the Dyninno Group provides operational scale and technological resources. The company leverages in-house IT solutions and call center sales excellence to drive growth. Their investment platform, Nectaro, expands their business model into loan-backed securities, targeting retail investors with attractive returns and EU regulatory protections. Awards and a seasoned leadership team reinforce their market credibility. The company’s growth indicators include a large client base, multi-country operations, and a significant loan portfolio. Partnerships with investment platforms and a global footprint suggest a diversified ecosystem supporting sustainable expansion.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS, CAPTCHA protection on forms, and controlled use of third-party scripts via Google Tag Manager. No critical vulnerabilities or exposed sensitive information were identified. However, the lack of explicit security headers such as Content-Security-Policy and absence of publicly available security or incident response policies indicate areas for improvement. The site does not currently implement a cookie consent mechanism, which is important for GDPR compliance. Incident response readiness and data protection officer contact information are not disclosed, which could be a compliance and trust gap. Overall, the security posture is solid but could benefit from enhanced transparency and additional technical controls.

Recommendations

  1. Implement and publish a comprehensive security policy and incident response plan accessible on the website.
  2. Add explicit HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  3. Deploy a cookie consent banner/mechanism to ensure GDPR compliance and inform users about tracking.
  4. Provide contact information for a Data Protection Officer or privacy contact to improve compliance and user trust.
  5. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are included.

Contact details published on the site

Addresses
Legal name
EcoFinance
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
EcoFinance
Description
EcoFinance, part of the Dyninno Group, is a fintech company founded in 2015, focused on providing inclusive loans across Europe and beyond. They offer short-term loans, installment loans, and credit lines, combining advanced technology with personalized service for a seamless customer experience.
Key services
Short-term loans, Installment loans, Credit lines, Investment platform (Nectaro)
Content quality
excellent
Branding
consistent

Technology

Stack
Google Tag Manager, Google Analytics, Cloudflare Turnstile CAPTCHA, Webflow CMS, jQuery
Platforms
Webflow
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Cloudflare Turnstile CAPTCHA on forms
  • Google Tag Manager for controlled script loading

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and content-rich.
  2. No WHOIS registrant data available due to EURid privacy policy.
  3. Uses modern web technologies and analytics.
  4. Has clear contact information and social media presence.
  5. No visible security vulnerabilities or exposed sensitive data.
  6. Lacks explicit cookie consent mechanism.
  7. No public security or incident response policy found.
  8. Awards and leadership team add trustworthiness.
  9. Domain WHOIS privacy protection is standard for .eu domains.
Technical notes

Notes

The website is hosted on Webflow’s CDN infrastructure, ensuring fast global delivery and high availability. The tech stack includes modern JavaScript libraries such as jQuery and Google Tag Manager for analytics and marketing tag management. The use of Cloudflare Turnstile CAPTCHA enhances form security against bots. The site is mobile-optimized with responsive design and uses Google Fonts for typography. Performance is fast with optimized images and lazy loading. SEO is supported by proper meta tags and Open Graph data. The absence of a CMS beyond Webflow limits backend complexity but supports ease of maintenance. Technical risks are minimal but could be mitigated further by adding security headers and improving privacy compliance mechanisms.
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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