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Security report for jti.ee

Väikelaenud · Finance · Estonia

Medium risk. 10 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

53/100

Risk levelMedium

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

The website jti.ee operates as a loan comparison platform primarily targeting Estonian consumers seeking small loans. It aggregates loan offers from well-known banks and financial institutions, providing users with transparent information on interest rates, fees, and loan terms. The platform emphasizes quick approval, clear conditions, and competitive rates, positioning itself as a convenient online resource for loan seekers in Estonia. The business appears to be small-sized and newly established, with a focus on finance sector services. Technically, the site is built on WordPress using Elementor and Contact Form 7, with Cloudflare DNS for domain management. The site is mobile-optimized and SEO-friendly, though accessibility features are basic. Security posture is moderate, with HTTPS enabled but lacking advanced security headers. Privacy compliance is weak due to absence of privacy and cookie policies. WHOIS data raises concerns due to a domain creation date set in the future, which may indicate data inconsistency or placeholder information. Overall, the site is functional and professional but requires improvements in privacy compliance and security hardening.

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

10 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 jti.ee

This scan found 27 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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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
75
Security headers
15
Email security
60
DNS health
60
Network security
100
GDPR outside view
10
Average
53

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

Jti.ee serves as a niche financial service platform in Estonia, focusing on loan comparison for small personal loans. Its competitive advantage lies in aggregating offers from reputable banks like Swedbank, SEB, and Luminor, providing users with a one-stop solution for loan selection. The business model is based on referral or affiliate relationships with loan providers, generating revenue through lead conversions. The target customers are Estonian residents with regular income seeking transparent and fast loan options. The platform's growth potential depends on expanding partnerships and enhancing trust signals. Currently, the absence of detailed company information and privacy policies may limit user confidence. Strategic partnerships with established financial institutions are evident, but no direct parent or subsidiary relationships are disclosed.

Security posture

The website demonstrates a basic to moderate security maturity level. HTTPS is properly implemented, ensuring encrypted communication. However, the lack of security headers such as Content-Security-Policy, HSTS, and X-Frame-Options reduces protection against common web attacks. No incident response or security policies are publicly available, and no dedicated security contact channels are provided. The site uses standard WordPress plugins, which if not regularly updated, could introduce vulnerabilities. No evidence of malware or phishing was found. Privacy compliance gaps exist, notably the absence of privacy and cookie policies, which is critical under GDPR. Overall, the security posture is adequate for a small informational site but requires enhancements to meet best practices and regulatory requirements.

Recommendations

  1. Implement and publish a comprehensive privacy policy and cookie policy with GDPR compliance details.
  2. Add security headers including Content-Security-Policy, X-Frame-Options, X-Content-Type-Options, and HSTS to strengthen site security.
  3. Establish and disclose an incident response policy and provide dedicated security contact channels (e.g., security@ or abuse@ email).
  4. Regularly update WordPress core and plugins to mitigate vulnerabilities.
  5. Clarify and verify domain registration details to resolve inconsistencies and improve trustworthiness.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Väikelaenud
Description
Veebisait pakub väikelaenude võrdlust, aidates kasutajatel leida soodsamaid ja usaldusväärseid laenupakkumisi vastavalt nende vajadustele. Teenus keskendub kiirele heakskiidule, läbipaistvatele tingimustele ja soodsatele intressimääradele.
Key services
Väikelaenude võrdlus, Laenutaotluse vorm veebis, Laenutingimuste info pakkumine
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Elementor, Contact Form 7, jQuery, Cloudflare DNS
Frameworks
Elementor
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
70/100
Good practices seen
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Use of Cloudflare DNS

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Marketing tools
Rank Math PRO SEO plugin
Transparency
basic

Site quality

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

Key observations

  1. Website is a loan comparison platform targeting Estonian users.
  2. Content is in Estonian with some Russian language form labels.
  3. No privacy or cookie policies found on the main page.
  4. Contact email info@jti.ee is consistently presented in header and footer.
  5. Multiple loan providers listed with detailed loan terms.
  6. Website uses WordPress with Elementor and Contact Form 7 plugins.
  7. No phone numbers or physical addresses found.
  8. No social media links detected.
  9. No explicit security or incident response policies published.
  10. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The site is built on a modern WordPress CMS platform enhanced with Elementor page builder and Contact Form 7 for user input forms. It uses jQuery and standard web fonts from Google Fonts. The hosting environment is not explicitly identified but DNS is managed via Cloudflare, which can provide performance and security benefits. The site is mobile responsive and SEO optimized with Rank Math PRO plugin. Performance is moderate with no major issues detected. Accessibility is basic, with some ARIA roles and skip links present but no advanced accessibility features. The site lacks advanced security headers and privacy compliance mechanisms. The domain WHOIS data shows an anomalous future creation date, which should be investigated. Overall, the technical infrastructure is solid for a small business website but can be improved in security and compliance areas.
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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