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Security report for frankly.ch

Zürcher Kantonalbank · Finance · Switzerland

Low risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

79/100

Risk levelLow

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

frankly is a digital pension solution platform developed by Zürcher Kantonalbank, a major Swiss universal bank. The platform focuses on providing simple, fully digital retirement planning services including pillar 3a and vested benefits accounts. The website positions frankly as an easy, secure, and cost-effective solution for Swiss residents to manage their pension savings via app or web. The business model leverages digital transformation to reduce costs and improve user experience in the financial services sector. Technically, the website is built on Adobe Experience Manager, uses modern web standards, and integrates Adobe Analytics and OneTrust for tracking and consent management. Security posture is strong with HTTPS, security headers, and no visible vulnerabilities. However, explicit privacy policy and terms of service documents are not directly found on the homepage HTML, and no direct contact information is exposed, which slightly reduces privacy compliance and business credibility scores. Overall, frankly presents a professional, trustworthy, and technically sound digital financial service platform.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 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

3 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.

    • 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: Facebook, LinkedIn, YouTube

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

  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.

    • 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 frankly.ch

This scan found 15 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

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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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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
77
Security headers
80
Email security
60
DNS health
90
Network security
100
GDPR outside view
65
Average
79

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

frankly operates in the Swiss finance sector, targeting individuals interested in retirement planning. It benefits from the strong brand and trust of Zürcher Kantonalbank. The platform offers pension savings products with a low all-in fee, digital onboarding, and investment options. The business leverages a digital-first approach to disrupt traditional pension savings methods. The presence of awards and positive ratings (e.g., Moneyland) supports market credibility. The lack of visible direct contact info and some policy documents suggests room for improvement in transparency. The partnership ecosystem includes the parent bank and uses third-party services like OneTrust and Adobe Analytics for compliance and marketing. Growth potential is supported by digital adoption trends in financial services.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, comprehensive security headers, and cookie consent management via OneTrust. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure reduces transparency and readiness perception. The site does not expose any direct contact channels for security incidents, which is a common best practice in finance. Overall, the security posture is strong technically but could be enhanced by publishing formal security and incident response documentation.

Recommendations

  1. Publish a clear and accessible privacy policy and terms of service on the website.
  2. Add explicit security policy and incident response information including contact channels.
  3. Implement and publish a vulnerability disclosure policy or security.txt file.
  4. Expose verified company contact information (email, phone) for customer and security inquiries.
  5. Continue monitoring and updating third-party libraries and tracking tools to maintain security and privacy compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Zürcher Kantonalbank
Description
frankly is Zürcher Kantonalbank’s digital pension solution dedicated to retirement planning in Switzerland, offering simple and inexpensive pillar 3a and vested benefits accounts fully digital with no paperwork.
Key services
Pillar 3a pension savings accounts, Vested benefits accounts, Investment products related to pension savings, Digital account opening and management via app and web
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), OneTrust (cookie consent), Adobe Analytics (AEP), JavaScript, SVG graphics, Responsive images (srcset, picture element)
Frameworks
Adobe Experience Manager
Platforms
Web, Mobile app (iOS app id referenced)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of security headers
  • Cookie consent management
  • No exposed sensitive data in HTML
  • No visible vulnerable libraries

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
basic

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe Analytics, OneTrust
Transparency
good

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. Strong branding association with Zürcher Kantonalbank.
  3. Comprehensive cookie consent mechanism implemented via OneTrust.
  4. No explicit privacy policy or terms of service links found on the homepage HTML.
  5. No direct contact emails or phone numbers found in the HTML content.
  6. Use of modern web technologies and Adobe Experience Manager CMS.
  7. Good mobile optimization and accessibility features observed.
  8. Security headers and HTTPS are properly configured.
  9. No suspicious or malicious content detected.
  10. Content is focused on pension and retirement financial products.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS platform, indicating a high level of technical infrastructure. It uses modern HTML5 features such as responsive images and SVG graphics for performance and visual quality. The integration of OneTrust for cookie consent and Adobe Analytics for tracking shows a mature approach to compliance and marketing. Performance appears moderate with lazy loading images and asynchronous scripts. Mobile optimization and accessibility features are well implemented. No major technical debt or outdated technologies were detected. Hosting provider details are not explicitly found but likely managed by Zürcher Kantonalbank or a trusted provider. Overall, the technical implementation supports a professional and scalable digital financial service.
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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