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Security report for finarbitr.cz

Kancelář finančního arbitra · Finance · Czech Republic

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

61/100

Risk levelMedium

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

The website finarbitr.cz serves as the official portal for the Czech Republic's Financial Arbitrator Office, a state-established authority dedicated to resolving disputes between consumers and financial institutions. The site provides comprehensive information about the arbitration process, legal guidance, downloadable forms, and frequently asked questions, targeting consumers seeking dispute resolution in financial matters. The business model is focused on non-judicial dispute resolution, offering free and efficient services to the public, positioning itself as a trusted government-related entity in the finance sector. Technically, the website employs a traditional web stack including jQuery 1.9.1, Bootstrap 3.3.7, and Modernizr 2.6.2, with Google Analytics for visitor tracking. The site is moderately optimized for mobile devices and SEO, though some technologies are outdated, which may pose security and performance risks. The cookie consent mechanism is implemented, reflecting some privacy compliance efforts, but explicit privacy and terms of service pages are absent. From a security perspective, the site uses HTTPS and has a cookie consent banner, but lacks visible security headers and uses older JavaScript libraries, which could expose it to vulnerabilities. No incident response or vulnerability disclosure information is present. The WHOIS data confirms the domain's legitimacy and long-standing registration since 2003, consistent with the official nature of the business. Overall, the website is professional and trustworthy but would benefit from enhanced security practices, explicit privacy policies, and updated technical components to improve compliance and reduce risk.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

7 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

  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"

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

Keep watching finarbitr.cz

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.

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

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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
62
Security headers
35
Email security
70
DNS health
75
Network security
100
GDPR outside view
25
Average
61

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention finarbitr.cz, from OffSeq Breach.

No leaked records found

Breach holds no records for finarbitr.cz right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

Finarbitr.cz operates as a government-related financial dispute resolution entity in the Czech Republic, serving consumers involved in disputes with financial institutions. Its competitive advantage lies in its official status, free service offering, and comprehensive procedural support. The business model is service-oriented, focusing on arbitration and mediation rather than commercial revenue generation. The target customers are individual consumers and citizens. Growth indicators include the longevity of the domain and continuous content updates. The partnership ecosystem appears limited to government and financial institutions, with no evident commercial partners. Strategic observations suggest a stable, essential public service with opportunities to modernize its digital presence and enhance transparency.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enabled and a cookie consent mechanism in place. However, the absence of security headers such as Content Security Policy, HSTS, and X-Frame-Options reduces its defense-in-depth posture. The use of outdated JavaScript libraries like jQuery 1.9.1 and Bootstrap 3.3.7 introduces potential vulnerabilities. There is no visible incident response or vulnerability disclosure information, which limits transparency and preparedness. Privacy compliance is partial, lacking explicit privacy and terms of service documentation. Overall, while no critical vulnerabilities are evident, improvements are needed to align with best practices and regulatory requirements.

Recommendations

  1. Implement and publish a comprehensive privacy policy and terms of service to enhance transparency and compliance.
  2. Add and configure essential security headers (CSP, HSTS, X-Frame-Options) to strengthen security posture.
  3. Upgrade JavaScript libraries and frameworks to current supported versions to mitigate known vulnerabilities.
  4. Provide clear contact information including emails and phone numbers for consumer support and incident reporting.
  5. Develop and publish an incident response plan and vulnerability disclosure policy to improve security culture and trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kancelář finančního arbitra
Description
Rychlé, bezplatné a efektivní vyřizování sporů mezi občany a vybranými finančními institucemi.
Key services
Dispute resolution between consumers and financial institutions, Providing legal guidance and mediation, Publishing decisions and forms, Consumer support and FAQs
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.9.1, Bootstrap 3.3.7, Modernizr 2.6.2, Google Analytics, PrettyPhoto CSS
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
60/100
Good practices seen
  • HTTPS usage implied by URLs
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google DoubleClick
Transparency
basic

Site quality

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

Key observations

  1. Website is official financial arbitrator portal for Czech Republic.
  2. Content is in Czech language with English language option available.
  3. No explicit privacy policy or terms of service pages detected.
  4. Cookie consent mechanism is implemented and functional.
  5. No direct contact emails or phone numbers found in the HTML content.
  6. Use of older JavaScript libraries (jQuery 1.9.1, Bootstrap 3.3.7) may pose security risks.
  7. No visible security headers detected in provided data.
  8. No social media links or company contact emails found.
  9. WHOIS data confirms domain age and registrar consistency.
Technical notes

Notes

The website uses a traditional technology stack with jQuery 1.9.1, Bootstrap 3.3.7, and Modernizr 2.6.2, which are outdated and may pose security and compatibility risks. Google Analytics is integrated for visitor tracking. The site is moderately optimized for mobile devices and SEO, with proper meta tags and Open Graph data. The HTML and CSS appear valid and well-structured, but accessibility features are basic. Performance is moderate, with external dependencies on CDNs for libraries. There is no detected CMS, suggesting a custom or static site architecture. Hosting provider details are not explicit. Overall, the technical infrastructure is functional but would benefit from modernization and enhanced security configurations.
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. 61/100Medium32 findingsView report
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