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Security report for kpa.se

KPA Pension · Finance · Sweden

Medium risk. 5 critical or high findings in GDPR outside view, SSL/TLS and 1 other check.

Security score

55/100

Risk levelMedium

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

KPA Pension is a well-established Swedish pension company specializing in occupational pensions for employees within the municipal and regional sectors. The website reflects a strong market position with clear focus on providing secure, ethical, and low-fee pension services. The content is comprehensive and professionally presented, targeting Swedish public sector employees. Technically, the site uses modern web technologies including EPiServer CMS, Adobe Dynamic Tag Manager, and OneTrust for cookie consent, indicating a mature digital infrastructure. Security posture is good with HTTPS enforced and anti-CSRF tokens in forms, though additional security headers could enhance protection. Privacy compliance is robust with clear GDPR-aligned policies and consent mechanisms. Overall, the site is trustworthy and professionally managed, with clear contact information and no signs of blocking or malicious activity.

Scanned

NIS2 and GDPR posture

GDPR outside view
30/ 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

5 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

    • Critical

      No HTTPS encryption

      GDPR requires appropriate security measures for personal data

      What to do: Implement SSL/TLS certificate for HTTPS

    • 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

  2. 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.

    • Critical

      No HTTPS Encryption

      Website does not use HTTPS encryption, making all data transmission vulnerable to interception

      What to do: Implement SSL/TLS certificate and redirect all HTTP traffic to HTTPS

  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 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 kpa.se

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.

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Recommended

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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
0
Security headers
45
Email security
85
DNS health
70
Network security
100
GDPR outside view
30
Average
55

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

KPA Pension operates in the finance sector with a niche focus on public sector occupational pensions in Sweden. Their business model centers on managing traditional pension insurance products with a strong emphasis on ethical investment and customer trust. The company targets municipal and regional employees, offering services such as pension planning, withdrawals, and customer support. The website indicates a large organizational size and a well-developed partnership ecosystem, including dedicated portals for employers and customers. The presence of multiple language options suggests inclusivity and broad customer reach. The company maintains a strong brand presence and trust signals, including industry awards and professional certifications.

Security posture

The website demonstrates a solid security foundation with HTTPS usage, anti-CSRF tokens, and a comprehensive cookie consent framework. However, the absence of explicit security policies, incident response contacts, and advanced security headers like Content-Security-Policy or Strict-Transport-Security indicates room for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. The use of third-party scripts such as Adobe Analytics and OneTrust is managed with anonymization and user consent, aligning with GDPR requirements. Overall, the security maturity is good but could benefit from enhanced transparency and technical hardening.

Recommendations

  1. Implement additional HTTP security headers including Content-Security-Policy, X-Content-Type-Options, X-Frame-Options, and Strict-Transport-Security to strengthen defense against common web attacks.
  2. Publish a dedicated security policy page and provide clear incident response contact channels to improve transparency and trust.
  3. Regularly review and update third-party scripts and libraries to mitigate potential vulnerabilities.
  4. Enhance monitoring and logging capabilities to detect and respond to security incidents promptly.
  5. Consider adding a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.

Contact details published on the site

Addresses
Legal name
KPA Pension
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
KPA Pension
Description
KPA Pension är pensionsbolaget för dig som jobbar inom kommun och region. Hos oss får du en trygg och etisk tjänstepension med låga avgifter.
Key services
Tjänstepension, Traditionell försäkring, Kundservice och rådgivning
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, jQuery UI, Adobe Dynamic Tag Manager, OneTrust Cookie Consent, EPiServer CMS
Frameworks
EPiServer
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced (implied by canonical and og:url with https)
  • Use of security tokens (__RequestVerificationToken hidden input)
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Adobe Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Adobe Analytics
Marketing tools
Adobe Dynamic Tag Manager, OneTrust Cookie Consent
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Strong focus on pension services for public sector employees in Sweden.
  3. Comprehensive cookie consent and privacy policy implementation.
  4. Use of modern web technologies and CMS (EPiServer).
  5. No signs of blocking or WAF interference.
  6. Contact information is clearly presented and includes phone and postal address.
  7. No explicit security or incident response policies found on the site.
  8. No visible terms of service page detected.
Technical notes

Notes

The website is built on the EPiServer CMS platform, leveraging modern JavaScript libraries such as jQuery UI and Adobe Dynamic Tag Manager for analytics and tag management. The presence of OneTrust indicates a mature approach to privacy and cookie management. The site is mobile-optimized with responsive design and accessibility features, providing a good user experience across devices. Performance appears moderate, with use of CDN-hosted fonts and scripts. The technical stack is well-maintained, though opportunities exist to modernize further by adopting newer JavaScript frameworks or enhancing performance optimizations. Overall, the technical infrastructure supports the business needs effectively with room for incremental improvements.
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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