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Security report for fino.tech

FinoTech · Finance · United States

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

Security score

63/100

Risk levelMedium

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

FinoTech is a small fintech software development company specializing in custom software solutions for online consumer lending and peer-to-peer loan marketplaces. The website is minimalistic, providing basic information about their services and a single contact email. The domain is registered since 2016 with privacy protection, consistent with the company's founding year, indicating legitimacy. Technically, the website uses modern CSS and JavaScript libraries and is hosted behind Cloudflare DNS, but lacks advanced security headers and DNSSEC. The site is accessible without WAF or security challenges, but lacks privacy and cookie policies, impacting compliance. Overall, the security posture is moderate with room for improvement in policy transparency and technical security controls.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 100 · High
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 fino.tech

This scan found 23 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
75
Security headers
15
Email security
75
DNS health
80
Network security
100
GDPR outside view
35
Average
63

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 fino.tech, from OffSeq Breach.

Total records
1
Employees
0
Customers
1
Third parties
0
Weak passwords
100%

1 subdomain affected

See the 10 newest leaked credentials

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Technical appendix

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

Business context

Business profile

FinoTech operates in the fintech sector, targeting businesses requiring custom software for lending marketplaces. Their business model focuses on bespoke software development, positioning them as a niche provider. The company appears small, with no public subsidiaries or parent company. The website lacks extensive marketing or trust signals such as certifications or social media presence, suggesting a lean operation. The domain age and registration details support a stable business presence since 2016. The absence of detailed business information or physical addresses limits deeper business intelligence insights.

Security posture

The website enforces HTTPS and uses domain locking statuses to prevent unauthorized domain changes, which are positive security indicators. However, the absence of DNSSEC and security headers such as Content-Security-Policy or X-Frame-Options reduces the overall security robustness. No incident response or vulnerability disclosure information is provided, which could hinder rapid response to security events. The minimal data collection reduces attack surface but also limits user engagement. Overall, the security posture is moderate but could benefit from enhanced technical controls and transparency.

Recommendations

  1. Enable DNSSEC to strengthen DNS security and prevent spoofing.
  2. Implement standard security headers (CSP, X-Frame-Options, X-Content-Type-Options) to mitigate common web attacks.
  3. Publish privacy and cookie policies to improve GDPR compliance and user trust.
  4. Add incident response and vulnerability disclosure contacts to demonstrate security readiness.
  5. Enhance website content and navigation to improve user experience and business credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
FinoTech
Description
Custom software development services for online consumer lending and P2P loan marketplaces
Key services
Custom software development
Content quality
basic
Branding
consistent

Technology

Stack
PureCSS, Google Fonts, Trianglify.js
Performance
moderate
Mobile
basic
Accessibility
basic
SEO
basic

Security

Observed score
60/100
Good practices seen
  • HTTPS enabled
  • Domain locked with clientTransferProhibited and related statuses

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 is minimalistic with limited content
  2. No privacy, cookie, or terms of service policies found
  3. Contact information limited to a single company email
  4. No phone numbers or physical addresses provided
  5. No social media links present
  6. No forms or data collection mechanisms detected
  7. Uses modern external CSS and JS libraries
  8. No visible security headers or advanced security policies
  9. Domain uses Cloudflare DNS but no DNSSEC
  10. WHOIS privacy protection enabled
Technical notes

Notes

The website uses a lightweight tech stack including PureCSS for styling, Google Fonts for typography, and Trianglify.js for background graphics. Hosting is via Cloudflare DNS, providing reliable DNS resolution and potential CDN benefits. The site is basic in design and content, with no CMS detected. Performance is moderate given the minimal content and external resource usage. Mobile optimization and accessibility are basic but functional. The lack of advanced SEO tags and structured data limits search engine visibility. Technical debt appears low due to simplicity but modernization opportunities exist to improve security and compliance.
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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