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Security report for fid-x.com

Fiduciary Exchange LLC · Finance · United States

Medium risk. 4 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

68/100

Risk levelMedium

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

Fiduciary Exchange LLC operates the FIDx platform, a leading marketplace for annuities designed to simplify the research, proposal, and management of annuity products for financial professionals. The company positions itself as a technology-driven solution provider in the finance sector, focusing on commission-free professionals and integrating annuity solutions with traditional wealth management tools. The website reflects a professional and consistent brand image with clear calls to action and comprehensive service descriptions. Technically, the site is built on HubSpot CMS with integrations including Google Analytics and Ceros for interactive content, hosted with Cloudflare DNS services. The platform demonstrates moderate to good performance and mobile optimization.

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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

4 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 X-Frame-Options header

      Prevents clickjacking attacks

      What to do: Add "X-Frame-Options: DENY" or "X-Frame-Options: SAMEORIGIN"

  2. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

  3. 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 fid-x.com

This scan found 24 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
57
Security headers
45
Email security
75
DNS health
65
Network security
100
GDPR outside view
68
Average
68

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

FIDx targets financial advisors and professionals seeking streamlined annuity solutions, offering a full digital end-to-end process including planning, research, proposal, application, and management. The business model leverages technology to reduce operational friction and costs, aiming to increase revenue and efficiency for its users. The company was founded in 2020 and operates primarily in the US market. Partnerships and integrations with insurance carriers and financial planning tools enhance its ecosystem. The presence of a dedicated careers page and partner information indicates organizational maturity and growth orientation.

Security posture

The website enforces HTTPS with a strong SSL configuration and uses secure form handling via HubSpot. However, it lacks DNSSEC and explicit security headers, and no public security or incident response policies are found. There is no vulnerability disclosure or security.txt file, which limits transparency for security researchers. The absence of a cookie consent mechanism and limited GDPR compliance indicators suggest room for improvement in privacy compliance. Overall, the security posture is moderate but could be enhanced with additional policies and technical controls.

Recommendations

  1. Enable DNSSEC on the domain to improve DNS security.
  2. Implement and publish a comprehensive security policy and incident response contact information.
  3. Add security HTTP headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security.
  4. Deploy a cookie consent mechanism to comply with GDPR and enhance user privacy transparency.
  5. Consider establishing a vulnerability disclosure policy or security.txt file to foster responsible security reporting.

Contact details published on the site

Addresses
Legal name
Fiduciary Exchange LLC
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fiduciary Exchange LLC
Description
The leading marketplace for annuities, FIDx is the easy way to research and implement annuities all within the convenience of a single wealth management platform.
Key services
Insurance Exchange, Outsourced Insurance Desk, Planning Tools, Annuity research and implementation platform
Content quality
good
Branding
consistent

Technology

Stack
HubSpot CMS, jQuery, Google Analytics, Ceros (interactive content), Cloudflare DNS
Frameworks
HubSpot CMS
Platforms
HubSpot
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of secure forms with HubSpot
  • No DNSSEC enabled

Analytics and tracking

Services
Google Analytics, HubSpot Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
HubSpot Analytics
Marketing tools
HubSpot
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and content rich for financial professionals.
  2. Uses HubSpot CMS and marketing tools extensively.
  3. No explicit security policy or incident response info found.
  4. Privacy and terms pages exist but cookie consent mechanism is minimal.
  5. No DNSSEC enabled on domain.
  6. WHOIS privacy protection used but justified.
  7. No suspicious or malicious indicators found.
Technical notes

Notes

The website is built on a modern CMS platform (HubSpot) with integration of third-party analytics and interactive content tools. The HTML and CSS are valid and well-structured, supporting good SEO and accessibility basics. Performance is moderate, with some heavy embedded content (Ceros iframe) that may impact load times on slower connections. Mobile responsiveness is good, with dedicated mobile styles and adaptive content. The technical stack is appropriate for the business model but could benefit from enhanced security configurations and performance optimizations.
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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