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Security report for hubfinancialsolutions.co.uk

HUB Financial Solutions Limited · Finance · United Kingdom

Medium risk. 3 critical or high findings in SSL/TLS and Security headers.

Security score

75/100

Risk levelMedium

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

HUB Financial Solutions Limited is a UK-based financial advisory company specializing in retirement planning, annuity comparison, and equity release advice. The company operates as part of the Just Group plc, positioning itself as a trusted provider in the retirement financial services market. Their website offers comprehensive resources, tools, and multimedia content to assist retirees and those planning retirement in making informed financial decisions. The business model focuses on advisory services and product comparison to help customers optimize their retirement income options. Technically, the website is built on a modern stack including Episerver CMS, Microsoft Azure hosting, and integrates various third-party services such as Cookiebot for consent management, Google reCAPTCHA for bot protection, and Microsoft Application Insights for telemetry. The site demonstrates good mobile optimization, accessibility, and SEO practices, although some security headers could be improved. From a security perspective, the website enforces HTTPS and employs cookie consent mechanisms aligned with GDPR. However, explicit security headers like Content-Security-Policy and X-Frame-Options are not evident, and no public security or incident response policies are found. The WHOIS data query failed due to an invalid query on the 'www.' subdomain, but the domain appears legitimate and consistent with the business claims. Overall, HUB Financial Solutions Limited presents a professional and trustworthy online presence with good privacy compliance and moderate security posture. Strategic improvements in security headers and transparency around security policies would enhance their security maturity and customer trust.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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. 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
    • High

      Weak SSL Key Length

      SSL certificate uses 256-bit key, which is considered weak

      What to do: Use at least 2048-bit RSA or 256-bit ECC key

      • CWE-326
      • OWASP A04:2025
      • Mozilla TLS: Mozilla Server Side TLS 6.0 intermediate: rsa_key_size 2048

  2. 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 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';…

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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
39
Security headers
65
Email security
85
DNS health
75
Network security
100
GDPR outside view
83
Average
75

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

HUB Financial Solutions Limited operates in the UK financial services sector, focusing on retirement income solutions and equity release. The company benefits from its association with Just Group plc, a recognized entity in the market. Their competitive advantage lies in providing comprehensive advisory services combined with digital tools and comparison services that empower customers. The target customers are retirees and pre-retirees seeking flexible retirement funding options. The website's integration of multimedia content and calculators indicates a customer-centric approach. The presence of Trustpilot reviews and Crystal Mark certification further supports their market credibility. Growth indicators include active content updates and integration with parent company resources. The partnership ecosystem includes major platforms like LinkedIn, Facebook, and Google services, enhancing their digital reach.

Security posture

The website demonstrates a moderate security maturity level with enforced HTTPS and use of bot protection via Google reCAPTCHA. Cookie consent is managed through Cookiebot, ensuring GDPR compliance. However, the absence of explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options represents a gap that could expose the site to clickjacking or MIME sniffing attacks. No vulnerabilities or exposed sensitive data were detected in the analysis. The lack of published security policies or incident response contacts limits transparency and preparedness perception. Overall, the security posture is adequate for the business type but could be enhanced by implementing recommended headers and publishing security documentation.

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 clear security policy and incident response contact information to improve transparency and customer trust.
  3. Regularly audit third-party scripts and dependencies to identify and remediate potential vulnerabilities.
  4. Enhance monitoring and alerting capabilities leveraging existing Application Insights telemetry data.
  5. Maintain and update cookie consent mechanisms to comply with evolving privacy regulations and user expectations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
HUB Financial Solutions Limited
Description
You now have more choice and flexibility about funding your retirement than ever before. The company helps customers convert pension savings into income and offers equity release advice.
Key services
Retirement planning advice, Annuity comparison, Equity release advice, Income generation options
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Less.js, Google reCAPTCHA, Microsoft Azure hosting, Cookiebot consent management, Microsoft Application Insights
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with granular controls
  • Use of Google reCAPTCHA for bot protection
  • Application Insights telemetry for monitoring

Analytics and tracking

Services
Google Analytics, Hotjar, Microsoft Application Insights
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google AdSense, Facebook Ads
Tracking pixels
Facebook Pixel, Hotjar, Microsoft Application Insights
Marketing tools
Cookiebot, Google Tag Manager (disabled), Hotjar
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 rich content and multimedia
  2. Strong cookie consent and privacy compliance mechanisms in place
  3. No visible security headers explicitly set beyond HTTPS
  4. WHOIS data unavailable due to query on 'www.' subdomain rather than base domain
  5. Use of multiple third-party analytics and marketing tools
  6. Clear contact phone number and contact form present
  7. Consistent branding and professional design
  8. No adult or questionable content detected
Technical notes

Notes

The website is built on Episerver CMS hosted on Microsoft Azure, leveraging modern web technologies such as jQuery and Less.js for styling. It integrates multiple third-party services including Cookiebot for cookie consent, Google reCAPTCHA for bot mitigation, and Microsoft Application Insights for telemetry. Performance is moderate with good mobile optimization and accessibility features. SEO is supported by proper meta tags and structured data in JSON-LD format. The site uses multiple external fonts and analytics scripts, which should be monitored for performance impact. The WHOIS query failure is due to querying the 'www.' subdomain rather than the base domain, which is a technical oversight but does not affect site operation. Overall, the technical infrastructure is solid but could benefit from enhanced security header implementation and performance tuning.
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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