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Security report for fiofondy.cz

Fio investiční společnost · Finance · Czech Republic

Low risk. 5 critical or high findings in GDPR outside view, Email security and 1 other check.

Security score

77/100

Risk levelLow

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

Fio investiční společnost is a Czech investment company specializing in mutual funds and investment products, targeting retail investors primarily in the Czech Republic. The company operates under the umbrella of Fio banka, a well-established financial institution. Their website offers clear information about investment opportunities, including low entry thresholds and no entry fees, supported by professional fund managers. The site integrates online banking and brokerage services, enhancing customer convenience and engagement. Technically, the website employs modern frontend technologies such as Bootstrap, jQuery, and Owl Carousel, with Google Tag Manager for analytics and tracking. The site is mobile-optimized and demonstrates good SEO and accessibility practices, although some advanced security headers are missing. The domain is well-established since 2016, registered with a Czech registrar consistent with the business location and sector. From a security perspective, the site enforces HTTPS and uses cookie consent mechanisms compliant with GDPR. However, it lacks explicit security policies, incident response contacts, and vulnerability disclosure information. No critical vulnerabilities or suspicious content were detected. Overall, the security posture is solid but could be improved with additional headers and transparency. The overall risk assessment is low, with recommendations focusing on enhancing security headers, publishing security policies, and adding vulnerability disclosure mechanisms to strengthen trust and compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
40/ 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

5 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

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube

      What to do: Document all third-party data sharing in your privacy policy

  2. Email security

    SPF, DKIM and DMARC stop others sending email that looks like it comes from your domain, a common route to phishing and invoice fraud.

    • High

      No DMARC record found

      DMARC provides email authentication and reporting

      What to do: Add DMARC record: "v=DMARC1; p=none; rua=mailto:dmarc@yourdomain.com"

  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

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

Keep watching fiofondy.cz

This scan found 13 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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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
77
Security headers
95
Email security
65
DNS health
85
Network security
100
GDPR outside view
40
Average
77

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 fiofondy.cz, from OffSeq Breach.

No leaked records found

Breach holds no records for fiofondy.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

Fio investiční společnost holds a solid position in the Czech financial market, leveraging its parent company Fio banka's reputation. Its business model centers on providing accessible investment funds with low entry barriers and no fees, appealing to retail investors. The company benefits from a strong partnership ecosystem including online banking and brokerage platforms, facilitating seamless investment experiences. Growth indicators include active news updates and monthly fund reports, signaling transparency and engagement. The company targets Czech-speaking investors, emphasizing local market expertise. Strategic observations suggest opportunities to expand digital services and enhance security transparency to maintain competitive advantage.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS encryption and a comprehensive cookie consent mechanism aligned with GDPR. The absence of advanced security headers such as Content-Security-Policy and X-Frame-Options represents an area for improvement. No exposed sensitive data or vulnerable libraries were detected. The lack of a published security policy or incident response contact limits transparency and readiness for security incidents. Overall, the site is secure for users but would benefit from formalizing security governance and vulnerability disclosure to align with best practices and regulatory expectations.

Recommendations

  1. Implement and enforce security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy page outlining security practices and incident response procedures to enhance transparency and user trust.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Regularly audit and update third-party libraries and scripts to prevent vulnerabilities from outdated components.
  5. Enhance accessibility features and provide more comprehensive privacy notices to improve compliance and user experience.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Fio investiční společnost
Description
Fio investiční společnost nabízí investování do podílových fondů, které spravují profesionální makléři. Investice již od 300 Kč měsíčně nebo od 5 000 Kč jednorázově.
Key services
Podílové fondy (mutual funds), Internetbanking, e-Broker investment platform
Content quality
good
Branding
consistent

Technology

Stack
Bootstrap CSS, FontAwesome, jQuery, Google Tag Manager, Owl Carousel, Nette AJAX
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular controls
  • No exposed sensitive data in HTML
  • Use of nonce attributes on scripts

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is professionally presented in Czech language targeting Czech investors.
  3. Clear cookie consent mechanism with granular user control.
  4. No explicit privacy or security policy pages beyond legal disclaimers.
  5. No visible security.txt or vulnerability disclosure policy.
  6. Use of modern frontend libraries and Google Tag Manager for analytics.
  7. Contact information is clearly provided including phone and social media.
  8. No suspicious or malicious content detected.
Technical notes

Notes

The website uses a modern and widely adopted technology stack including Bootstrap for responsive design, FontAwesome for icons, jQuery for DOM manipulation, and Owl Carousel for interactive elements. Google Tag Manager is integrated for analytics and marketing tracking. The site is mobile-optimized and structured with clear navigation. Performance is moderate, with potential for optimization in loading speed and accessibility. No CMS is explicitly detected, suggesting a custom or proprietary solution. Hosting details are not explicit but domain registration suggests Czech-based infrastructure. Technical risks are low but could be mitigated by adding security headers and improving accessibility 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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