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Security report for etua.fi

Etua Oy · Finance · Finland

Medium risk. 6 critical or high findings in GDPR outside view and Security headers.

Security score

59/100

Risk levelMedium

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

Etua Oy operates Etua.fi, Finland's first loan comparison service established in 2008. The platform offers consumers and businesses a way to compare and apply for various loan types including consumer loans, mortgages, business loans, and loan consolidations. The service is free to use and facilitates quick loan decisions by connecting users with multiple loan providers. The company is positioned as a trusted intermediary with a strong market presence and over 300,000 satisfied customers. The website integrates customer reviews and certifications to enhance trust.

Scanned

This is an earlier scan of etua.fi. View the latest report

NIS2 and GDPR posture

GDPR outside view
0/ 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

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 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

  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 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 etua.fi

This scan found 14 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
50
Security headers
70
Email security
50
DNS health
85
Network security
100
GDPR outside view
0
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

Etua.fi leverages a business model focused on lead generation and loan application facilitation, partnering with numerous financial institutions. Its parent company, Alma Media, provides additional credibility and resources. The platform targets Finnish consumers and businesses seeking competitive loan offers. The company benefits from a broad partnership ecosystem and a well-established brand in the Finnish finance sector. Growth indicators include extensive loan volume competition and a comprehensive service offering with calculators and educational content.

Security posture

The website demonstrates basic security hygiene with several security headers implemented. However, the absence of a valid SSL certificate and disabled TLS protocols represent critical vulnerabilities that expose users to risks such as data interception and man-in-the-middle attacks. The lack of HSTS enforcement and OCSP stapling further weakens the security posture. While forms collect sensitive personal data, the site lacks visible advanced security measures or incident response information. Compliance with GDPR is implied through privacy policies but could be enhanced with explicit cookie consent mechanisms.

Recommendations

  1. Install and maintain a valid SSL/TLS certificate to enable secure HTTPS connections.
  2. Enable modern TLS protocols (TLS 1.2 or higher) and configure HSTS with includeSubDomains and preload flags.
  3. Implement explicit cookie consent banners to comply with privacy regulations and enhance user trust.
  4. Publish a clear security policy and incident response contact information to improve transparency.
  5. Regularly audit and update security headers, SSL configurations, and monitor for vulnerabilities.

Contact details published on the site

Addresses
Legal name
Etua Oy - lainavertailu
Technical notes

Notes

The website is built on WordPress using the Netello theme and employs WP Rocket for performance optimization. It uses jQuery and integrates third-party services such as Google Tag Manager, Trustpilot, and AppNexus for analytics and advertising. Hosting is behind Cloudflare, providing CDN and caching services. The site is mobile responsive with good SEO practices including meta tags and structured data. However, the lack of a valid SSL certificate and disabled TLS protocols are significant technical risks. Performance data is unavailable, but lazy loading and deferred scripts indicate efforts to optimize load times.
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. 62/100Medium31 findingsView report
  2. 62/100Medium31 findingsView report
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