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Security report for harmoney.co.nz

Harmoney Limited · Finance · New Zealand

Medium risk. 5 critical or high findings in Security headers and GDPR outside view.

Security score

67/100

Risk levelMedium

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

Harmoney Limited operates as a leading online personal loan provider in New Zealand, offering a range of unsecured loan products including debt consolidation, home improvements, car loans, and more. The company positions itself as a fast, 100% online lender with fixed interest rates and no early repayment fees, targeting New Zealand residents seeking convenient and transparent lending solutions. The website reflects a mature digital presence with comprehensive content, customer testimonials, and clear calls to action, supporting its market position as an award-winning financial services provider. Technically, the website is built on the SilverStripe CMS platform and integrates modern analytics and marketing technologies such as RudderStack, TrackJS, FullStory, Google Tag Manager, and Intercom. The site is well-optimized for mobile devices, demonstrates good SEO practices, and maintains fast performance. Security is enforced through HTTPS, and no critical vulnerabilities or exposed sensitive data were detected in the content. However, some security headers and explicit security policies are not evident, suggesting room for improvement. From a security and compliance perspective, the site includes a comprehensive privacy policy and cookie consent mechanism, indicating good privacy compliance aligned with GDPR principles. Contact information is clearly provided, including phone numbers, email, and physical addresses. The domain WHOIS data is not available for the www subdomain, likely due to privacy protection or querying method, but the website's legitimacy is supported by business registration and trust signals such as financial service provider licensing and customer reviews. Overall, Harmoney's website demonstrates a strong business credibility and digital maturity with a secure and user-friendly online lending platform. Strategic recommendations include enhancing security headers, publishing a formal security policy and incident response contacts, and considering a vulnerability disclosure program to further strengthen trust and security posture.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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

5 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 Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

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

Keep watching harmoney.co.nz

This scan found 24 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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Full report

€39.90one-time

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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
90
Security headers
15
Email security
80
DNS health
65
Network security
100
GDPR outside view
53
Average
67

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

Harmoney holds a strong market position in New Zealand's personal lending sector, leveraging an online-only business model that reduces operational costs and accelerates loan processing times. The company benefits from multiple industry awards and a high volume of positive customer reviews, which enhance its competitive advantage. Revenue streams primarily derive from loan interest and fees, with loan amounts ranging from $2,000 to $100,000 and terms of 3 to 7 years. The target customer segment includes individuals seeking unsecured personal loans for various purposes such as debt consolidation, home renovations, education, and medical expenses. The company maintains partnerships with investor platforms and financial advice organizations, supporting its ecosystem and growth. The website content and structure reflect a customer-centric approach with clear product offerings, educational resources, and accessible support channels.

Security posture

The website exhibits a solid security posture with mandatory HTTPS encryption and the use of reputable third-party security and monitoring tools like TrackJS and FullStory. No critical security vulnerabilities or exposed sensitive information were identified in the HTML content. However, the absence of explicit security headers such as Content Security Policy (CSP), HTTP Strict Transport Security (HSTS), and X-Frame-Options suggests potential areas for enhancement. There is no publicly available security policy or incident response contact information, which could improve transparency and preparedness. The site does not appear to have a vulnerability disclosure program or security.txt file, which are best practices for mature security programs. Overall, the security maturity is good but could be elevated by adopting these additional measures.

Recommendations

  1. Implement comprehensive HTTP security headers including CSP, HSTS, X-Frame-Options, and X-Content-Type-Options to mitigate common web vulnerabilities.
  2. Publish a dedicated security policy page outlining security practices, data protection measures, and incident response procedures.
  3. Establish and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Regularly audit third-party scripts and dependencies to ensure no vulnerable libraries are included.
  5. Enhance user trust by providing clear information about data retention policies and compliance certifications.

Contact details published on the site

Addresses
Legal name
Harmoney Limited
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Harmoney Limited
Description
New Zealand's award-winning online lender offering fast, 100% online personal loans with fixed interest rates and no early repayment fees.
Key services
Personal loans, Debt consolidation, Home improvements loans, Wedding loans, Car loans, Holiday loans, Education loans, Business loans, Medical loans
Content quality
excellent
Branding
consistent

Technology

Stack
SilverStripe CMS, RudderStack analytics, TrackJS, FullStory, Google Tag Manager, Intercom, Ionicons
Frameworks
SilverStripe
Performance
fast
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of security and error tracking tools (TrackJS)

Analytics and tracking

Services
Google Analytics, Google Tag Manager, RudderStack, TrackJS, FullStory
Tracking level
extensive
Privacy practices
good

Advertising

Tracking pixels
TrackJS, FullStory, RudderStack, Intercom
Marketing tools
Intercom, Google Optimize, RudderStack
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and no blocking detected.
  2. WHOIS data for www.harmoney.co.nz is not found, possibly due to querying the www subdomain instead of the root domain.
  3. Strong presence of customer reviews and trust signals.
  4. Use of modern analytics and marketing tools with privacy considerations.
  5. No security.txt or explicit security policy found.
  6. No forms detected in the main HTML content; loan application likely handled on a separate secure subdomain.
  7. Multiple external domains used for analytics, assets, and customer support.
  8. Consistent branding and professional design.
  9. No adult or questionable content detected.
Technical notes

Notes

The website is built on the SilverStripe CMS, a modern and flexible content management system suitable for enterprise-grade websites. It integrates multiple analytics and marketing tools such as RudderStack, Google Tag Manager, TrackJS, FullStory, and Intercom, indicating a sophisticated approach to user behavior tracking and customer engagement. The site uses modern web standards, including responsive design and preloading of fonts for performance optimization. DNS and hosting details are not explicitly available, but the use of Amazon S3 for asset hosting suggests a scalable cloud infrastructure. Performance is fast with good mobile optimization and accessibility features. The technical stack is well-maintained with opportunities to improve security headers and formalize security policies.
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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