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Security report for inaloyalty.hr

INA Loyalty · Energy · Croatia

Medium risk. 6 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

INA Loyalty is a loyalty program website associated with INA, a Croatian energy company. The site serves customers in Croatia, providing loyalty rewards and promotions. The business operates in the energy sector and was established around 2020, consistent with the domain registration date. The website is built on the Salesforce Experience Cloud platform, leveraging modern technologies and trusted third-party payment and analytics services. The technical infrastructure is solid, with good mobile optimization and performance, though accessibility and SEO could be improved. Security posture is strong with HTTPS, Content Security Policy, and bot protection via reCAPTCHA, but lacks explicit privacy and security policies visible on the site. Overall, the site is professional and trustworthy but would benefit from enhanced privacy compliance and contact transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 100 · Critical
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

6 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

    • 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

    • 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, YouTube, Google APIs, Google Ads

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

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

Keep watching inaloyalty.hr

This scan found 20 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

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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
75
Email security
75
DNS health
80
Network security
100
GDPR outside view
10
Average
70

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 business targets INA customers in Croatia, offering a loyalty program to enhance customer retention and engagement. The model relies on digital engagement through a Salesforce Community portal, integrating multiple payment gateways and analytics tools. The company benefits from partnerships with major payment providers like PayPal, Stripe, and Adyen, and uses AppDynamics for performance monitoring. The market position is regional with a focus on energy customers. Growth indicators include recent domain registration and integration of modern digital tools. The partnership ecosystem is strong with Salesforce and payment processors. Strategic observations suggest opportunities to improve compliance and customer trust by publishing clear privacy and security policies.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, a strict Content Security Policy, and integration of Google reCAPTCHA to mitigate automated abuse. Payment processing is handled by reputable third-party services, reducing direct PCI compliance burden. However, the absence of visible privacy policies, terms of service, and incident response contacts represents compliance gaps, especially under GDPR and NIS2 frameworks. No vulnerabilities or exposed sensitive data were detected in the HTML content. The site lacks a vulnerability disclosure policy or security.txt file, which could improve transparency and incident handling. Overall, the security maturity is good but could be enhanced by formalizing policies and contact points.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service accessible from the main site.
  2. Implement a cookie consent banner to comply with GDPR and ePrivacy Directive requirements.
  3. Add clear contact information for security incidents and data protection officer details if applicable.
  4. Introduce a vulnerability disclosure policy or security.txt file to encourage responsible reporting.
  5. Enhance accessibility features to improve compliance with WCAG standards and broaden user inclusivity.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
INA Loyalty
Description
INA Loyalty is a loyalty program website related to INA, a Croatian energy company. The site appears to provide information and services related to customer loyalty and rewards.
Key services
Customer loyalty program, Rewards and promotions
Content quality
good
Branding
consistent

Technology

Stack
Salesforce Community, AppDynamics, Google Analytics, Stripe, PayPal SDK, Adyen payment, Google reCAPTCHA
Frameworks
Salesforce Lightning, Aura Framework
Platforms
Salesforce Experience Cloud
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Content Security Policy with strict directives
  • Use of reCAPTCHA for bot protection
  • Use of trusted payment SDKs

Analytics and tracking

Services
Google Analytics, Google Tag Manager, AppDynamics
Tracking level
moderate
Privacy practices
basic

Advertising

Ad networks
Google Adsense, DoubleClick
Tracking pixels
AppDynamics
Transparency
basic

Site quality

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

Key observations

  1. Website is a Salesforce Community site for INA Loyalty program.
  2. Uses multiple trusted third-party services for payments and analytics.
  3. No explicit privacy or terms of service pages found in the provided content.
  4. Cookie policy is implied but no explicit consent mechanism detected.
  5. No contact emails or phone numbers found in the HTML content.
  6. Strong Content Security Policy implemented.
  7. No visible security or incident response contact information.
  8. No vulnerability disclosure or security.txt found.
  9. Good use of HTTPS and modern web technologies.
  10. No WAF or blocking mechanisms detected.
Technical notes

Notes

The website is built on Salesforce Experience Cloud using Aura and Lightning frameworks, integrating AppDynamics for monitoring and multiple payment SDKs (Stripe, PayPal, Adyen). The Content Security Policy is comprehensive, restricting resources to trusted domains. The site uses Google Analytics and Google Tag Manager for analytics and marketing. Hosting is provided by POSLUH HOSTING d.o.o., a Croatian registrar and hosting provider. Performance is moderate with good mobile optimization. SEO is basic with alternate hreflang tags for Croatian and English. Accessibility is basic with some ARIA roles and modal dialogs but could be improved. No broken scripts or errors were detected in the loaded content. The technical stack is modern and well-integrated but could benefit from enhanced privacy and compliance tooling.
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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