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Security report for latvijashipoteka.lv

Digital Investment MGMT SIA · Finance · Latvia

Medium risk. 8 critical or high findings in GDPR outside view, Email security and 2 other checks.

Security score

64/100

Risk levelMedium

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

Latvijas Hipotēka, operated by Digital Investment MGMT SIA, is a Latvian financial services company specializing in mortgage loans, business loans, and loan consolidation secured by real estate. The company targets individuals, businesses, and farmers in Latvia, offering tailored credit solutions for property purchase, renovation, and business development. The website reflects a well-established local lender with over a decade of operation, supported by displayed licenses and clear contact information. Technically, the website is built on WordPress and integrates modern marketing and analytics tools such as HubSpot and Google Analytics. The site is mobile-optimized with good SEO practices, though accessibility features are basic. Performance is moderate, with lazy loading implemented for images. Security posture is adequate with HTTPS enforced, but lacks some security headers and explicit security policies. Security-wise, the site shows no visible vulnerabilities or exposed sensitive data. However, it lacks published security policies, incident response contacts, and cookie consent mechanisms, which are important for GDPR compliance and user trust. The WHOIS data is unavailable due to query limits, but the domain age and business information suggest legitimacy. Privacy protection on WHOIS is justified for this financial entity. Overall, the website is professional, trustworthy, and functional with room for improvement in security transparency and privacy compliance. Strategic recommendations include implementing security headers, cookie consent, and publishing security policies to enhance user trust and regulatory compliance.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 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

8 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

  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 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 latvijashipoteka.lv

This scan found 21 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
75
Security headers
50
Email security
60
DNS health
75
Network security
100
GDPR outside view
25
Average
64

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

Latvijas Hipotēka operates in the Latvian finance and real estate sectors, focusing on secured lending products. Its competitive advantage lies in specialized mortgage and business loans tailored to local market needs, including farmers and construction businesses. The business model is service-oriented, generating revenue from loan interest and fees. The company targets a broad customer base from individuals to SMEs and agricultural enterprises. Growth indicators include a decade-long presence and active digital marketing. Partnerships are implied through social media and licensing but no explicit partner domains are identified. The company maintains a clear brand and consistent messaging, supporting market credibility.

Security posture

The website demonstrates a moderate security maturity level with HTTPS enforced and no visible sensitive data leaks. However, the absence of key security headers (CSP, HSTS, X-Frame-Options) and lack of published security or incident response policies indicate gaps in security best practices. No vulnerability disclosures or security.txt files are present, limiting transparency. GDPR compliance is partial, with privacy policy present but no cookie consent banner. Incident response readiness and security culture indicators are not evident. Overall, the security posture is functional but could be significantly improved with better policy publication and technical controls.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, and X-Frame-Options to enhance protection against common web attacks.
  2. Add a cookie consent banner and detailed cookie policy to ensure full GDPR compliance and improve user privacy transparency.
  3. Publish a comprehensive security policy and incident response contact information to build trust and prepare for potential security incidents.
  4. Consider creating a vulnerability disclosure program and hosting a security.txt file to encourage responsible reporting and improve security posture.
  5. Enhance website accessibility features to improve usability for all users and comply with accessibility standards.

Contact details published on the site

Addresses
Legal name
Digital Investment MGMT SIA
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Digital Investment MGMT SIA
Description
Kredīts pret nekustamā īpašuma ķīlu: īpašuma remontam, iegādei, saimniecības attīstībai, uzņēmējdarbības uzsākšanai vai turpināšanai.
Key services
Hipotekārais kredīts (Mortgage loans), Kredīts biznesam (Business loans), Kredīts zemniekiem (Loans for farmers), Kredītu apvienošana (Loan consolidation)
Content quality
good
Branding
consistent

Technology

Stack
WordPress, HubSpot Analytics, Google Tag Manager, Google Analytics, LazyLoad images, Custom JS scripts
Platforms
WordPress
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced
  • No visible exposed sensitive data
  • Secure form inputs

Analytics and tracking

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

Advertising

Tracking pixels
HubSpot Analytics
Marketing tools
HubSpot Collected Forms, HubSpot Banner, HubSpot Messages
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. WHOIS data unavailable due to query limit; no registrar or registrant info extracted.
  3. Website uses HTTPS and modern tracking/marketing tools.
  4. Clear business focus on mortgage and business loans in Latvia.
  5. Contact info and legal documents are provided and accessible.
  6. No security.txt or explicit security policies found.
  7. No cookie consent banner detected despite GDPR relevance.
  8. Social media presence on Facebook, Twitter, LinkedIn.
  9. No suspicious or malicious content detected.
Technical notes

Notes

The website is built on WordPress CMS with integration of HubSpot marketing and analytics tools, Google Analytics, and Google Tag Manager. It uses lazy loading for images to improve performance and is mobile responsive with good SEO meta tags. The site loads moderately fast but could benefit from further optimization. No hosting provider information is directly available. The technical stack is modern but lacks some security hardening measures. The site uses custom JavaScript and CSS for styling and functionality. Overall, the infrastructure supports business needs but has opportunities for modernization and enhanced security.
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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