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Security report for fbsb.com

CALAY LTD · Finance · Seychelles

Medium risk. 8 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

51/100

Risk levelMedium

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

The website represents CALAY LTD, formerly known as FBSB PLC and trading as FBS Banking™, specializing in offshore bank account opening services since 1997. The business underwent a trademark acquisition by Tradestone Limited in 2021, with a clear rebranding effort directing former clients to calay.com. The site targets individuals and businesses seeking offshore banking solutions, positioning itself as a niche service provider in the finance sector. The content is basic but communicates the essential business transition and service focus. Technically, the website is built on WordPress using the Divi theme, with common plugins such as Contact Form 7 and a cookie notice plugin. The site is moderately optimized for mobile and performance but lacks advanced SEO and accessibility features. Google Analytics is installed but not configured, indicating incomplete analytics setup. The site uses HTTPS but lacks visible security headers and DNSSEC, which are areas for improvement. From a security perspective, the domain is well-established with a consistent WHOIS record and no privacy protection, supporting legitimacy. However, the absence of published privacy policies, terms of service, and incident response information reduces compliance and trustworthiness. The cookie consent mechanism is present and functional, but overall privacy compliance is limited. No direct contact information or social media links are provided, which may hinder user trust and engagement. Overall, the website is functional and moderately credible but requires enhancements in privacy compliance, security posture, and content richness to improve user trust and regulatory adherence. Strategic improvements in security headers, policy publication, and analytics configuration are recommended to strengthen the site's digital maturity and risk management.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 100 · Medium
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

8 findings rated critical or high. Fix these first.

  1. 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';…

  2. 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

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

Keep watching fbsb.com

This scan found 26 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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  • 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
57
Security headers
15
Email security
70
DNS health
75
Network security
40
GDPR outside view
50
Average
51

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

CALAY LTD operates in the offshore banking facilitation niche, targeting clients needing personal and professional offshore accounts. The business model focuses on service provision rather than direct banking. The trademark acquisition by Tradestone Limited and redirection to calay.com indicate a consolidation and rebranding strategy. The company is small-sized, registered in Seychelles, and leverages partnerships with related domains such as fbs.eu for forex brokerage services. The website's limited content and absence of direct contact details suggest a low-touch client engagement approach, possibly relying on partner referrals. The presence of a cookie consent banner shows some awareness of privacy regulations, but the lack of comprehensive policies and certifications indicates room for growth in compliance and trust-building. The business ecosystem includes forex brokerage and offshore banking services, positioning CALAY LTD as a specialized service provider within the finance sector.

Security posture

The website demonstrates a basic security posture with HTTPS enabled and domain transfer protection in place. However, the lack of DNSSEC, security headers, and published security policies exposes the site to potential risks. The absence of incident response contacts and vulnerability disclosure mechanisms limits transparency and preparedness. The use of common WordPress plugins without visible evidence of security hardening or updates may introduce vulnerabilities. The cookie consent mechanism is a positive privacy feature, but incomplete analytics configuration and missing privacy policies reduce compliance. Overall, the security maturity is low to moderate, with critical improvements needed in domain security, header implementation, and policy publication to meet industry best practices and regulatory requirements.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and publish comprehensive privacy and cookie policies to improve GDPR compliance.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and HSTS to strengthen web security.
  4. Configure Google Analytics properly or remove unused analytics plugins to avoid data collection issues.
  5. Publish incident response and vulnerability disclosure information to increase transparency and trust.

Contact details published on the site

Legal name
CALAY LTD
Registration number
15222
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
CALAY LTD
Description
FBS Banking™ (formerly FBSB PLC) specialized in offshore bank account opening services since 1997. The trademark was acquired by Tradestone Limited in 2021. The website redirects former clients to CALAY LTD for offshore banking services.
Key services
Offshore bank account opening, Personal and professional offshore accounts
Content quality
basic
Branding
moderate

Technology

Stack
WordPress, Divi Theme, jQuery, Contact Form 7, Cookie Notice plugin, Material Design for Contact Form 7
Frameworks
WordPress
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
50/100
Good practices seen
  • HTTPS enabled
  • ClientTransferProhibited domain status

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website content is accessible and not blocked by WAF.
  2. No privacy policy or terms of service pages found.
  3. Cookie consent banner present and functional.
  4. No direct contact emails or phone numbers found on the page.
  5. Business rebranding and trademark acquisition clearly communicated.
  6. Website uses WordPress with Divi theme and common plugins.
  7. No advanced security headers or policies published.
  8. Google Analytics plugin installed but not configured.
  9. External links to related domains fbs.eu and calay.com present.
  10. No social media links or physical addresses found.
Technical notes

Notes

The website is built on a mature CMS platform (WordPress) with the Divi theme, leveraging popular plugins for forms and cookie management. The technical stack is standard but lacks advanced optimization and security features. Performance is moderate with basic mobile responsiveness. SEO and accessibility features are minimal, limiting discoverability and user inclusiveness. The site uses external resources such as Google Fonts and common JavaScript libraries like jQuery. Hosting details are not disclosed, and no CDN or advanced caching mechanisms are evident. The technical debt includes unconfigured analytics, missing security headers, and no DNSSEC, which could impact long-term stability and security. Modernization opportunities include enhancing SEO, accessibility, and security configurations to align with best practices.
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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