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Security report for lhv.ee

AS LHV Pank · Finance · Estonia

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

63/100

Risk levelMedium

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

AS LHV Pank is a leading Estonian financial institution offering a broad range of services including banking, loans, investments, insurance, and pension management. The company targets both individual and business customers within Estonia, positioning itself as a trusted and comprehensive financial services provider. The website reflects this with professional design, clear navigation, and extensive service information. Technically, the site employs modern frameworks such as Bootstrap and uses analytics tools like Google Analytics and PostHog, indicating a mature digital infrastructure. Security posture is strong with HTTPS enforcement, security headers, and secure login mechanisms, although there is room for improvement in publishing dedicated security policies and incident response contacts. Overall, the site is trustworthy, compliant with GDPR, and provides a positive user experience.

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

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

    • High

      No Cookie Policy found

      GDPR requires clear information about cookie usage

      What to do: Add a dedicated cookie policy explaining cookie usage and purposes

  2. 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 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';…

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Keep watching lhv.ee

This scan found 23 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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  • 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
82
Security headers
30
Email security
80
DNS health
75
Network security
100
GDPR outside view
10
Average
63

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

LHV operates in the finance sector with a diversified portfolio including retail and business banking, investment accounts, insurance products, and pension funds. The company has a strong market presence in Estonia, supported by subsidiaries like LHV Finance and LHV Kindlustus. Their business model focuses on comprehensive financial solutions with digital accessibility. The website's integration with investor relations and recruitment platforms suggests a well-established corporate structure. Marketing and advertising practices are transparent, leveraging social media and analytics for engagement. The company’s growth is supported by clear communication and trust signals such as SSL and privacy policies.

Security posture

The website demonstrates a solid security foundation with HTTPS, multiple security headers, and secure form handling. No vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of a dedicated security policy page and incident response contact information indicates potential gaps in transparency and readiness. The cookie consent mechanism and GDPR compliance are well implemented, reflecting good data protection practices. Recommendations include publishing a vulnerability disclosure policy and enhancing security communication to users.

Recommendations

  1. Publish a dedicated security policy and incident response page to improve transparency.
  2. Implement and publicly share a vulnerability disclosure policy or security.txt file.
  3. Regularly review and update third-party scripts to mitigate potential vulnerabilities.
  4. Provide clear contact information for the Data Protection Officer or security team.
  5. Enhance user education on security and privacy practices through website content.

Contact details published on the site

Addresses
Legal name
AS LHV Pank
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
AS LHV Pank
Description
Rahastame asjatundlikult ja usaldusega. Pakume finantseerimistooteid nii eraisikule kui ka ettevõttele.
Key services
Internet banking, Loans and leasing, Investment accounts, Insurance products, Pension funds
Content quality
excellent
Branding
consistent

Technology

Stack
Bootstrap, jQuery, Swiper.js, PostHog analytics, Google Analytics, Facebook Pixel, Zendesk
Frameworks
Bootstrap
Platforms
Web
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure login forms
  • Cookie consent mechanism
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, PostHog
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Facebook Pixel
Tracking pixels
PostHog, Facebook Pixel
Marketing tools
Zendesk
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Comprehensive financial services offered targeting Estonian individuals and businesses.
  3. Strong presence of privacy and cookie policies with consent mechanisms.
  4. Multiple social media and investor relations links enhance transparency.
  5. Use of modern web technologies and analytics tools.
  6. Security headers and HTTPS are properly implemented.
  7. No signs of suspicious or malicious content.
  8. Clear navigation and professional design improve user experience.
Technical notes

Notes

The website uses a modern technology stack including Bootstrap for responsive design, jQuery for interactivity, and Swiper.js for carousel features. Analytics are handled via Google Analytics and PostHog, with Facebook Pixel for marketing. The site is mobile optimized with good accessibility features and SEO practices. Performance is moderate, with potential for optimization in loading speed. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details were not evident from the HTML content. Overall, the technical implementation supports a professional and user-friendly experience.
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

Earlier scans of this domain

  1. 61/100Medium32 findingsView report
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