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Security report for hypotecnispecialista.cz

HypotecniSpecialista.cz · Finance · Czech Republic

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

Security score

64/100

Risk levelMedium

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

HypotecniSpecialista.cz is a Czech mortgage comparison portal offering users the ability to compare mortgage offers from 12 major banks for the year 2025. The site provides a lead generation service by collecting user contact data through forms protected by Google reCAPTCHA, connecting potential clients with mortgage specialists. The business targets individuals seeking mortgage advice and refinancing options in the Czech Republic. Technically, the website uses legacy jQuery libraries, integrates Google reCAPTCHA v3, and includes payment gateway sandbox scripts, indicating some level of e-commerce readiness. Security posture is moderate with HTTPS enforced and form validation, but lacks advanced security headers and cookie consent mechanisms. The absence of WHOIS data reduces transparency and trustworthiness assessment, though the website content and partnerships with known banks suggest legitimacy. Overall, the site is functional, professionally designed, and provides relevant financial services content.

Scanned

NIS2 and GDPR posture

GDPR outside view
45/ 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

7 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

  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.

    • Critical

      No email authentication configured

      Domain is vulnerable to email spoofing

      What to do: Implement SPF, DKIM, and DMARC immediately

  3. 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';…

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

Keep watching hypotecnispecialista.cz

This scan found 22 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.

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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
85
Security headers
20
Email security
60
DNS health
75
Network security
100
GDPR outside view
45
Average
64

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 website operates in the finance sector, specifically mortgage brokerage and comparison services. It leverages partnerships with major Czech banks to offer users competitive mortgage rates and refinancing options. The business model is primarily lead generation, connecting users to mortgage specialists who provide personalized advice. The site also cross-promotes related financial services such as life insurance and mobile tariff comparisons, indicating a broader financial services ecosystem. The target market is Czech individuals seeking mortgage solutions, with a focus on transparency and cost savings. Growth potential exists through expanding service offerings and improving digital marketing. The lack of detailed company registration information online suggests a small to medium-sized enterprise with a niche market presence.

Security posture

The website demonstrates a basic to moderate security posture. It enforces HTTPS, uses Google reCAPTCHA v3 to protect forms from spam and abuse, and implements client-side validation on input fields. However, it lacks visible HTTP security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options, which could improve protection against common web attacks. No evidence of vulnerability disclosures, incident response policies, or security certifications is present. The absence of a cookie consent mechanism may pose GDPR compliance risks. No exposed sensitive data or vulnerable libraries were detected in the provided content. Overall, the site is reasonably secure for its purpose but could benefit from enhanced security controls and compliance measures.

Recommendations

  1. Implement comprehensive HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web vulnerabilities.
  2. Add a cookie consent banner and detailed cookie policy to improve GDPR compliance and user transparency.
  3. Update JavaScript libraries to current versions to reduce risk of vulnerabilities associated with outdated dependencies.
  4. Publish explicit privacy and security policies prominently with clear contact information for data protection inquiries.
  5. Conduct regular security audits and consider establishing a vulnerability disclosure program to enhance security posture and trust.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
HypotecniSpecialista.cz
Description
Hypoteční specialista nabízí nezávazné srovnání hypoték pro rok 2025, pomocí kalkulačky a kontaktování hypotečního specialisty, který porovná nabídky 12 velkých bank a pomůže získat nejnižší úrokové sazby.
Key services
Mortgage comparison, Mortgage specialist consultation, Mortgage calculation, Refinancing advice
Content quality
good
Branding
consistent

Technology

Stack
jQuery 1.8.2, Google reCAPTCHA v3, jQuery Validation Engine, GoPay payment gateway sandbox JS, Custom JavaScript
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • Google reCAPTCHA integration on forms
  • Form input validation

Analytics and tracking

Tracking level
minimal
Privacy practices
basic

Advertising

Tracking pixels
Google reCAPTCHA
Transparency
basic

Site quality

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

Key observations

  1. Website provides mortgage comparison services for Czech market.
  2. No WHOIS data available, which is unusual and reduces transparency.
  3. Uses HTTPS and Google reCAPTCHA for security.
  4. No explicit cookie consent mechanism found.
  5. Contains multiple forms collecting personal data with validation and consent checkbox.
  6. Includes customer testimonials and partner bank logos as trust signals.
  7. No social media links detected.
  8. No explicit privacy or security certifications displayed.
Technical notes

Notes

The website uses an older version of jQuery (1.8.2) alongside jQuery Validation Engine and Google reCAPTCHA v3 for form validation and spam protection. It includes scripts from external domains such as GoPay sandbox for payment processing, indicating readiness for transactional features. The site is built with static HTML and CSS files, with no detected CMS or modern JavaScript frameworks. Performance is moderate with asynchronous script loading and responsive CSS. Mobile optimization is good, but accessibility features are basic. SEO is supported by meta tags and structured content. Hosting provider and domain registration details are not available, limiting infrastructure assessment. Overall, the technical stack is functional but could benefit from modernization and improved security configurations.
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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