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Security report for finlat.lv

E-COMMERCE BROKER SIA · Finance · Latvia

Medium risk. 8 critical or high findings in GDPR outside view and Security headers.

Security score

56/100

Risk levelMedium

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

Finlat.lv is a Latvian-based credit comparison and brokerage platform operated by E-COMMERCE BROKER SIA, founded in 2021. The platform offers a wide range of financial services including consumer loans, mortgage-backed loans, auto loans, business loans, refinancing, and credit consolidation. It serves individuals and businesses in Latvia, providing a convenient one-application process to access multiple lenders. The website is well-structured with clear navigation, client testimonials, and partner logos enhancing its credibility. Technically, it is built on WordPress with Elementor and uses modern web technologies, but lacks a valid SSL certificate, which is a critical security concern. The absence of a cookie consent mechanism also poses potential GDPR compliance issues. The platform integrates several analytics and marketing tools such as Google Analytics, Yandex Metrica, and Facebook Pixel, indicating moderate user tracking. Overall, the business appears legitimate with consistent WHOIS data and transparent contact information, but needs to address security and privacy compliance gaps to improve trust and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
0/ 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

8 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 finlat.lv

This scan found 25 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.

Billed monthly to your card. Cancel anytime. The full timeline opens with your unlock code.

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
85
Security headers
15
Email security
65
DNS health
70
Network security
100
GDPR outside view
0
Average
56

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

Finlat.lv positions itself as a key player in the Latvian financial services market by aggregating loan offers from over 35 lenders, including banks and credit institutions. Its competitive advantage lies in simplifying the loan application process and providing transparent comparisons of interest rates, terms, and conditions. The business model is based on credit intermediation and lead generation, targeting both retail and business customers. The company has established partnerships with notable financial institutions such as Citadele Banka. Growth indicators include a significant client base of over 93,000 customers and a total loan volume of approximately 89 million EUR. The platform's strategic focus on digital accessibility and comprehensive service offerings supports its market presence and customer acquisition.

Security posture

The website's security posture is currently basic with some positive practices such as SPF and DMARC email authentication records. However, the lack of a valid SSL certificate means that HTTPS is not properly enforced, exposing users to potential data interception risks. Additionally, the absence of HTTP security headers like HSTS, Content-Security-Policy, and OCSP stapling reduces the site's resilience against common web attacks. Forms are present and appear to use AJAX for submission, but no explicit security measures such as CAPTCHA or input validation details are evident beyond basic input masks. The site uses several third-party scripts and analytics tools, which require regular monitoring to prevent vulnerabilities. Overall, the security score is low, and immediate remediation is recommended to protect user data and maintain compliance.

Recommendations

  1. Install and maintain a valid SSL certificate to enable HTTPS and protect user data in transit.
  2. Implement a cookie consent banner and mechanism to comply with GDPR and enhance user privacy.
  3. Add comprehensive security headers including HSTS, Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  4. Enable OCSP stapling to improve SSL certificate validation performance and security.
  5. Regularly audit and update all third-party plugins and scripts to mitigate vulnerabilities.

Contact details published on the site

Addresses
Legal name
E-COMMERCE BROKER SIA
VAT number
LV40203308336
Registration number
40203308336
Technical notes

Notes

The website is built on a modern WordPress CMS platform using Elementor for page building and JetFormBuilder for form management. It employs jQuery and Swiper.js for interactive elements and uses Google Fonts for typography. The site is hosted behind Cloudflare DNS and nameservers, indicating some level of CDN and DDoS protection. Performance is moderate with a page load time of approximately 6 seconds and 93 resources loaded, which could be optimized further. The site is mobile responsive and includes accessibility features such as skip links and ARIA labels. SEO is supported by proper meta tags, Open Graph data, and structured JSON-LD schema. However, the lack of SSL and some security best practices present technical risks that could impact user trust and search engine rankings.
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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