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Security report for kamali.cz

Kamali · Finance · Czech Republic

Low risk. 2 critical or high findings in SSL/TLS.

Security score

79/100

Risk levelLow

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

Kamali is an online financial service provider specializing in fast, fair microloans primarily targeting Czech residents aged 18 and above. The company offers quick loan approval and disbursement, with the first loan up to 15,000 CZK free if repaid within 14 days. Recognized by the reputable Czech organization Člověk v tísni for responsible lending, Kamali positions itself as a market leader in the Czech microloan sector. The website is professionally designed, mobile-optimized using AMP technology, and includes a mobile app for loan management, enhancing user convenience. Technically, the website employs modern web technologies including AMP, Google Tag Manager for analytics, and OneTrust for cookie consent management, reflecting a mature digital infrastructure. The site demonstrates good SEO and accessibility practices, with fast loading times and clear navigation. Security posture is solid with HTTPS enforced and cookie consent mechanisms in place, though explicit security headers could be improved. No critical vulnerabilities or exposed sensitive data were detected. The absence of WHOIS registration data limits the ability to fully verify domain legitimacy and ownership transparency, which slightly impacts trust assessment. However, the overall business credibility is supported by clear contact information, professional content, and recognized trust indicators. Privacy compliance is well addressed with GDPR-aligned policies and consent banners. Overall, Kamali presents a trustworthy and user-friendly platform for microloans in the Czech Republic, with recommendations to enhance security headers and publish a vulnerability disclosure policy to further strengthen security posture and transparency.

Scanned

NIS2 and GDPR posture

GDPR outside view
88/ 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

2 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

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

Keep watching kamali.cz

This scan found 18 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

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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
57
Security headers
60
Email security
85
DNS health
85
Network security
100
GDPR outside view
88
Average
79

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

Kamali operates in the competitive Czech microloan market, leveraging fast online loan processing and a mobile app to attract customers. Its recognition by Člověk v tísni as a responsible lender is a significant competitive advantage. The business model focuses on quick, small loans with flexible repayment options, targeting individuals needing immediate financial assistance. The company is a subsidiary or brand under Home Credit a.s., a known financial entity, which adds credibility. Marketing efforts include Google Analytics tracking and cookie consent for compliance. The website content and structure indicate a medium-sized enterprise with a focus on customer experience and regulatory adherence. Growth potential lies in expanding mobile app usage and maintaining trust through transparent policies.

Security posture

The website enforces HTTPS and uses cookie consent tools, indicating attention to user privacy and security. However, explicit security headers like X-Frame-Options and X-Content-Type-Options are not clearly present, which could be improved to mitigate clickjacking and MIME sniffing risks. No signs of vulnerable libraries or exposed sensitive data were found. The absence of a public vulnerability disclosure or security.txt file suggests limited formal incident response transparency. Overall, the security maturity is moderate to good, suitable for a financial service website but with room for enhancement in header policies and incident response readiness.

Recommendations

  1. Implement and verify comprehensive security headers including X-Frame-Options, X-Content-Type-Options, and Content-Security-Policy.
  2. Publish a security.txt file or vulnerability disclosure policy to improve transparency and incident response communication.
  3. Regularly audit third-party scripts and libraries for vulnerabilities and update them promptly.
  4. Enhance WHOIS transparency by ensuring domain registration details are publicly available or justified if privacy protected.
  5. Continue to maintain and update privacy and cookie policies to comply with evolving GDPR and local regulations.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Kamali
Description
Kamali offers fast, fair microloans online with the first loan up to 15,000 CZK free if repaid within 14 days. The service targets individuals over 18 with permanent residence in the Czech Republic, providing quick loan approval and disbursement.
Key services
Fast online microloans, Mobile application for loan management, Loan repayment flexibility up to 10 installments
Content quality
good
Branding
consistent

Technology

Stack
AMP (Accelerated Mobile Pages), Google Tag Manager, OneTrust Cookie Consent, jQuery (implied by js usage), CSS3, HTML5
Frameworks
AMP
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent implemented
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Google Analytics (via Google Tag Manager)
Marketing tools
OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website provides fast microloan services in Czech Republic.
  2. Content is professionally presented with clear loan terms.
  3. Mobile app availability enhances user experience.
  4. Cookie consent and privacy policy are implemented.
  5. No WHOIS data available, which is unusual and reduces transparency.
  6. No explicit security.txt or incident response info found.
  7. No suspicious or malicious content detected.
  8. Website uses modern AMP technology for performance and mobile optimization.
Technical notes

Notes

The website uses AMP technology to optimize mobile performance and loading speed, which is a modern and effective approach for financial service websites. Google Tag Manager is used for analytics, and OneTrust manages cookie consent, indicating compliance with privacy regulations. The site is responsive and accessible, with good SEO meta tags and structured content. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not available from the data. Performance is moderate with good mobile optimization. Technical debt appears low, but security header implementation could be improved. Overall, the technical infrastructure supports a professional and user-friendly online lending platform.
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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