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Security report for fiduciam.ie

Fiduciam Financial Planning · Finance · Ireland

Medium risk. 4 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

57/100

Risk levelMedium

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

Fiduciam Financial Planning is a family-owned financial services company based in Dublin, Ireland, specializing in mortgage brokerage, income protection, pensions, investment advice, and related financial planning services. The company positions itself as an independent and client-centric firm, regulated by the Central Bank of Ireland, aiming to help Irish families achieve financial independence through clear, jargon-free advice. The website reflects a professional and consistent brand image with a focus on user-friendly content and clear navigation. Technically, the website is built on the Wix platform using modern React 18 components and the Wix Thunderbolt framework. It employs Google reCAPTCHA Enterprise for form security and uses various Wix and third-party scripts for performance and analytics. The site is hosted on Wix's infrastructure, with fast loading times and basic mobile optimization. SEO and accessibility features are present but could be enhanced. From a security perspective, the site enforces HTTPS and uses security best practices such as secure cookie handling and form protection. However, explicit security headers and dedicated security or incident response policies are not found. No vulnerabilities or sensitive data exposures are evident in the analyzed content. Overall, the website presents a low-risk profile with good business credibility and technical implementation. Strategic improvements in security policies, accessibility, and privacy compliance could further enhance trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
63/ 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. GDPR outside view

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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  3. 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';…

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

Keep watching fiduciam.ie

This scan found 18 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

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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
0
Security headers
35
Email security
70
DNS health
75
Network security
100
GDPR outside view
63
Average
57

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

Fiduciam Financial Planning operates in the Irish financial services sector, targeting families and individuals in Dublin and surrounding counties. Its business model centers on providing independent, tailored financial advice and brokerage services, including mortgages, income protection, pensions, and investment planning. The company leverages its family-owned status and regulatory compliance as competitive advantages. The website content and structure indicate a focus on client education and trust-building, with a growing portfolio of returning clients. Social media presence on Facebook, Twitter, and LinkedIn supports marketing and client engagement. The absence of parent or subsidiary companies suggests a small, focused operation.

Security posture

The website demonstrates a mature security posture for a small financial services firm. HTTPS is enforced, and Google reCAPTCHA Enterprise is integrated to protect forms from automated abuse. Security-related JavaScript is present to manage cookies and secure fetch requests. However, the absence of explicit security headers such as Content-Security-Policy and lack of published security or incident response policies indicate areas for improvement. No exposed sensitive data or vulnerable libraries were detected. The site does not display any signs of malware or phishing. Overall, the security posture is good but could benefit from formalized policies and enhanced HTTP headers.

Recommendations

  1. Implement and publish explicit security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options.
  2. Create and make accessible a dedicated security policy and incident response contact information.
  3. Enhance accessibility features to improve compliance with standards such as WCAG.
  4. Regularly audit and update third-party scripts and dependencies to mitigate potential vulnerabilities.
  5. Improve privacy compliance disclosures and data retention policies to align with GDPR best practices.

Contact details published on the site

Addresses
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fiduciam Financial Planning
Description
Fiduciam Financial Planning offers Dublin financial planning services. We are independent mortgage brokers & income protection & mortgage protection specialists. They focus on helping clients achieve financial independence with a suite of financial services designed for Irish families.
Key services
Mortgage Brokerage, Income Protection, Mortgage Protection, Pensions, Investment Advice, Savings, Commercial Financing, Inheritance Tax Planning, Employee Benefit Schemes, Life Insurance
Content quality
good
Branding
consistent

Technology

Stack
Wix.com Website Builder, JavaScript, React 18, Wix Thunderbolt platform, Wix UI components, Google reCAPTCHA Enterprise
Frameworks
React, Wix Thunderbolt
Platforms
Wix
Performance
fast
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of Google reCAPTCHA Enterprise on forms
  • Security scripts to handle cookies and fetch requests

Analytics and tracking

Services
Wix BI, Sentry (error monitoring)
Tracking level
moderate
Privacy practices
basic

Advertising

Marketing tools
Wix Cookie Consent Banner
Transparency
basic

Site quality

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

Key observations

  1. Website is built on Wix platform with modern React-based components.
  2. Content is professionally presented with clear navigation and structured service offerings.
  3. Contact information is prominently displayed including phone, email, and physical address.
  4. Privacy and cookie policies are present with consent mechanisms.
  5. No explicit security or incident response policies found.
  6. No visible vulnerabilities or exposed sensitive data in the HTML content.
  7. Use of Google reCAPTCHA Enterprise indicates attention to form security.
  8. Social media presence includes Facebook, Twitter, and LinkedIn.
  9. No WAF or blocking mechanisms detected.
Technical notes

Notes

The website is built on the Wix platform using React 18 and the Wix Thunderbolt framework, indicating a modern and scalable technical infrastructure. It uses various Wix UI components and integrates Google reCAPTCHA Enterprise for security. The site is hosted on Wix's Parastorage CDN, ensuring fast content delivery. Performance is optimized with responsive images and lazy loading. However, mobile optimization is basic, and accessibility features are minimal. SEO is supported with meta tags, Open Graph, and JSON-LD structured data but could be further enhanced. The technical implementation is solid for a small business but has room for modernization in accessibility and SEO.
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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