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Security report for expresscredit.lv

Express Credit · Finance · Latvia

High risk. 11 critical or high findings in GDPR outside view, Security headers and 3 other checks.

Security score

41/100

Risk levelHigh

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

Express Credit is a Latvian online loan comparison platform operated by SIA "AB Software". The website aggregates multiple loan providers offering various credit products such as quick loans, consumer loans, credit lines, auto leasing, and mortgage loans. The platform targets Latvian consumers seeking convenient access to loan options and facilitates applications through affiliate links. The business operates a small-scale, finance-focused service with a WordPress-based website launched in 2021. Technically, the site uses common web technologies including jQuery, Bootstrap, and Google Analytics, with a moderate performance and good mobile optimization. Security posture is adequate with HTTPS enforced and cookie consent implemented, but lacks advanced security headers and explicit privacy or terms of service pages. No direct contact information or incident response policies are published, which limits transparency. WHOIS data could not be retrieved due to query limits, restricting domain legitimacy assessment. Overall, the site presents a functional and professional loan comparison service with room for improvement in privacy, security, and business transparency.

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

11 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 expresscredit.lv

This scan found 27 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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Full report

€39.90one-time

  • The complete analysis as a PDF you can cite
  • Email delivery with an unlock code
  • Lifetime access to this report

Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
20
Email security
70
DNS health
55
Network security
20
GDPR outside view
10
Average
41

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

The platform positions itself as a loan comparison and application facilitator in the Latvian finance sector. Its competitive advantage lies in aggregating multiple loan providers and offering a variety of loan types to consumers. Revenue likely derives from affiliate commissions from loan providers. The target customers are Latvian individuals seeking credit products online. The business ecosystem includes partnerships with well-known Latvian loan providers such as bino.lv, vivus.lv, and credit24.lv. The company is relatively new (founded 2021) and operates under SIA "AB Software". Growth potential depends on expanding lender partnerships and enhancing user trust through improved transparency and compliance. The website's multilingual support (Latvian and Russian) broadens its audience reach.

Security posture

The website enforces HTTPS and implements a cookie consent mechanism, indicating baseline security and privacy awareness. However, it lacks critical security headers such as Content-Security-Policy, HSTS, and X-Frame-Options, which are important to mitigate common web attacks. No explicit privacy policy or terms of service pages were found, which is a compliance gap under GDPR. No contact channels for security incidents or data protection officers are published, limiting incident response readiness. The use of third-party analytics (Google Analytics) is evident, but data retention policies and privacy compliance details are missing. Overall, the security maturity is moderate but requires enhancements in security headers, privacy documentation, and incident response transparency to meet best practices and regulatory requirements.

Recommendations

  1. Implement comprehensive privacy and cookie policies clearly accessible on the website.
  2. Add security headers including Content-Security-Policy, HSTS, X-Frame-Options, and X-Content-Type-Options.
  3. Publish contact information including company phone, email, and physical address to improve transparency.
  4. Establish and disclose incident response procedures and designate a Data Protection Officer contact.
  5. Regularly audit third-party scripts and ensure compliance with GDPR and other relevant regulations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Express Credit
Description
Tikai vēl viena WordPress vietne
Key services
Loan comparison, Loan application facilitation, Information on loan types and terms
Content quality
good
Branding
moderate

Technology

Stack
jQuery, Bootstrap, jQuery UI, Google Analytics, WordPress
Frameworks
Bootstrap
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
65/100
Good practices seen
  • HTTPS enforced
  • Consent mechanism for cookies
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is a WordPress-based loan comparison platform targeting Latvian users.
  2. Multiple loan types and lenders are presented with affiliate links.
  3. No explicit privacy or terms of service pages found.
  4. Cookie consent mechanism is implemented with Google Analytics configured.
  5. No contact emails or phone numbers explicitly provided on the homepage.
  6. WHOIS data unavailable due to query limit error; no registrar or domain age info.
  7. No advanced security headers detected; HTTPS is used.
  8. No visible security or incident response policies published.
  9. Site uses multiple JavaScript libraries including jQuery, Bootstrap, and jQuery UI.
Technical notes

Notes

The website is built on WordPress 6.8.1 using Bootstrap and jQuery UI for UI components and sliders. Google Analytics is integrated via gtag.js for visitor tracking. The site is mobile optimized with responsive design and uses multiple CSS and JS assets hosted on its own domain. Performance is moderate with no evident blocking or errors. The absence of advanced security headers and limited metadata reduces security robustness. SEO is supported by All In One SEO Pack plugin with JSON-LD structured data describing the organization and website. The site lacks visible contact forms or direct email addresses, relying on affiliate links for loan applications. Hosting provider details are not disclosed. Overall, the technical infrastructure is standard for a small WordPress-based finance comparison site but could benefit from security and compliance enhancements.
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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