Skip to main content

Security report for gosavy.com

UAB „Bendras finansavimas” · Finance · Lithuania

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

Security score

65/100

Risk levelMedium

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

gosavy.com operates as a Lithuanian peer-to-peer lending platform under the company UAB „Bendras finansavimas”. The platform connects borrowers and investors, offering consumer loans, refinancing options, business loans, and real estate financing. It is regulated by the Lithuanian central bank and has established a credible market position with recognitions such as the Gazelė 2022 award. The website is professionally designed, mobile-optimized, and provides clear navigation and relevant content primarily in Lithuanian with English alternatives. The technical infrastructure is based on WordPress CMS with modern JavaScript libraries and integrates multiple analytics and marketing tools including Google Analytics, Facebook Pixel, and Omnisend. Security posture is strong with HTTPS enforced and no visible vulnerabilities, though some security headers could be improved. Privacy and cookie policies are comprehensive and GDPR compliant, supporting user consent mechanisms. Contact information is clearly provided with company emails, phone number, and physical address. WHOIS data confirms domain legitimacy and consistency with business claims. Overall, gosavy.com presents a trustworthy and professional online presence in the finance sector.

Scanned

NIS2 and GDPR posture

GDPR outside view
50/ 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

7 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 gosavy.com

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
72
Security headers
15
Email security
70
DNS health
80
Network security
100
GDPR outside view
50
Average
65

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

The company targets Lithuanian consumers and businesses seeking flexible and responsible lending solutions. Its P2P model leverages technology to facilitate direct lending between individuals and businesses, bypassing traditional banks. The platform's growth is evidenced by its inclusion in the Gazelė 2022 list, indicating strong financial performance and transparency. Key revenue streams likely include loan origination fees and service charges. The company maintains a strong partnership ecosystem with regulatory oversight by the Lithuanian bank and uses third-party marketing and analytics services to optimize customer acquisition and retention. The business model emphasizes responsible lending and investment, appealing to a risk-aware audience. Strategic observations include the opportunity to enhance security policies and incident response transparency to further build trust.

Security posture

gosavy.com demonstrates a mature security posture with HTTPS enforced and no exposed sensitive data in the HTML content. The use of secure forms and cookie consent mechanisms aligns with privacy best practices. However, the absence of explicit security policies, incident response contacts, and security headers such as Content-Security-Policy or X-Frame-Options represents areas for improvement. No vulnerabilities or suspicious domains were detected. The platform would benefit from publishing a security.txt file and formalizing incident response procedures to enhance security culture and compliance readiness. Overall, the security maturity is good but can be elevated with additional transparency and technical controls.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Content-Type-Options, and X-Frame-Options.
  2. Enable DNSSEC on the domain to enhance DNS security.
  3. Publish a dedicated security policy and incident response contact information on the website.
  4. Consider adding a security.txt file to facilitate vulnerability disclosure.
  5. Regularly audit third-party scripts and libraries to ensure no vulnerabilities are introduced.

Contact details published on the site

Addresses
Legal name
UAB „Bendras finansavimas”
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
UAB „Bendras finansavimas”
Description
P2P tarpusavio skolinimo platforma, kuri jungia žmones norinčius skolintis ir investuoti, siūlydama vartojimo paskolas iki 30 000 € su žmogiškomis sąlygomis ir atsakingu skolinimu.
Key services
Vartojimo paskolos, Paskolų refinansavimas, Verslo paskolos, NT projektų finansavimas, Paskolos su NT įkeitimu
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Swiper.js, Google Analytics, Google Tag Manager, Facebook Pixel, Omnisend, CookieYes
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of secure cookies (implied by cookie consent)
  • Form inputs with validation

Analytics and tracking

Services
Google Analytics, Facebook Pixel, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Marketing tools
Omnisend, CookieYes, GetSiteControl
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. Content is primarily in Lithuanian with English alternate links.
  3. Strong focus on P2P lending and consumer finance products.
  4. Multiple customer testimonials and trust badges present.
  5. Use of modern web technologies and analytics tools.
  6. Privacy and cookie policies are present and GDPR compliant.
  7. No explicit security policy or incident response info found.
  8. WHOIS data supports legitimacy and business continuity.
Technical notes

Notes

The website is built on WordPress CMS using a combination of jQuery, Bootstrap, and Swiper.js for UI components. It integrates Google Analytics, Google Tag Manager, Facebook Pixel, and Omnisend for marketing and analytics. The hosting DNS is managed via Google Domains. Performance is moderate with good mobile optimization and basic accessibility features. SEO is well addressed with proper meta tags, Open Graph, and JSON-LD structured data. The site uses cookie consent tools compliant with EU regulations. Technical risks include reliance on multiple third-party scripts which require ongoing monitoring for vulnerabilities. The site could improve by adopting modern security headers and enhancing 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

Reviews of this site

Share your experience with gosavy.com. Every review is verified by email and published after moderation.

Overall rating
Select a rating
4000 characters remaining

We’ll email you to confirm your review and keep your details private.

Community rating

No published reviews yet. Be the first to review gosavy.com.

Feedback on this report

Rate this report, add an optional comment, and tell us if you want a security specialist to follow up.

Overall report quality
Select a rating
2000 characters remaining

We only use your feedback to improve Guard reports. Contact details are never shared.