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Security report for ipfin.co.uk

International personal finance plc · Financial services · United kingdom

Medium risk. 5 critical or high findings in Security headers, GDPR outside view and 1 other check.

Security score

67/100

Risk levelMedium

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

Scanned

NIS2 and GDPR posture

GDPR outside view
68/ 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 Consent Banner found

      GDPR requires explicit consent for non-essential cookies

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

  3. 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 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

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

Keep watching ipfin.co.uk

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  • TLS certificates and expiry
  • DNS records
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  • 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
65
Security headers
20
Email security
80
DNS health
70
Network security
100
GDPR outside view
68
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

The company targets financially excluded individuals across nine markets, serving over 1.7 million customers. It positions itself as a responsible lender with a focus on financial inclusion and social value. The business model centers on unsecured credit and insurance products, supported by a strong investor relations section and sustainability reporting. The website content and social media presence reinforce its market position and commitment to governance and ethics. No direct contact information is provided on the homepage, which may be by design for corporate communications. The company uses standard marketing and analytics tools, indicating a data-driven approach to customer engagement.

Security posture

The website enforces HTTPS and includes CSRF protection and Google reCAPTCHA on forms, indicating good baseline security practices. However, it lacks explicit security headers such as Content-Security-Policy and X-Frame-Options, which are recommended to mitigate common web attacks. No vulnerability disclosure or incident response contacts are published, which could be improved to enhance transparency and readiness. The cookie consent mechanism aligns with GDPR compliance, but no explicit data retention policies are visible. Overall, the security posture is solid but could benefit from enhanced headers and published security policies.

Recommendations

  1. Implement and verify security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to strengthen web security.
  2. Publish a vulnerability disclosure policy or security.txt file to facilitate responsible reporting of security issues.
  3. Add explicit incident response contact information to improve transparency and readiness.
  4. Enhance accessibility features to meet higher standards and improve user experience for all users.
  5. Regularly audit third-party scripts and dependencies to mitigate risks from vulnerable libraries.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
International Personal Finance plc
Description
We are a global financial services company playing a vital role in the lives of millions of people by providing unsecured, affordable credit and great-value insurance products, in a responsible way.
Key services
Unsecured credit, Insurance products, Financial inclusion services
Content quality
excellent
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), jQuery, Google Tag Manager, Vimeo Player API, reCAPTCHA
Frameworks
Adobe AEM
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • CSRF protection script included
  • Google reCAPTCHA implemented on forms
  • Cookie consent mechanism present

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
AddEvent
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content and navigation
  2. No WAF or blocking detected
  3. WHOIS data unavailable due to domain naming rules violation
  4. Strong presence of privacy and cookie policies with consent mechanism
  5. No explicit contact emails or phone numbers found on homepage
  6. Social media links to official company profiles present
  7. Use of modern CMS (Adobe AEM) and standard analytics tools
  8. Security best practices partially implemented but missing some headers
  9. No visible vulnerability disclosure or incident response info
  10. Professional and consistent branding and content quality
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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