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Security report for lhv.ee

LHV Pank AS · Finance · Estonia

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

Security score

61/100

Risk levelMedium

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

LHV Pank AS is a leading Estonian financial institution offering a wide range of banking and investment services to both individuals and businesses. The website reflects a mature digital presence with comprehensive service descriptions, secure login options including Smart-ID and Mobile-ID, and clear privacy and cookie policies compliant with GDPR. The company positions itself strongly in the Estonian market with a focus on trust and expertise in financing. Technically, the site employs modern frameworks such as Bootstrap and jQuery, with PostHog analytics for user behavior tracking, ensuring a responsive and accessible user experience. Security posture is robust with HTTPS enforcement, security headers, and no visible vulnerabilities, although a dedicated security policy and incident response contact could enhance transparency. Overall, the website demonstrates high professionalism, trustworthiness, and compliance, supporting LHV's market reputation.

Scanned

This is an earlier scan of lhv.ee. View the latest report

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 24 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
72
Security headers
30
Email security
80
DNS health
75
Network security
100
GDPR outside view
10
Average
61

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 primarily in the finance sector, targeting retail and corporate customers in Estonia. Its business model centers on providing banking, investment, and financing products with a strong emphasis on digital services and secure authentication methods. The company benefits from a well-established brand and ISO 27001 certification, indicating a commitment to information security. The website's linked domains suggest a focused ecosystem without extraneous partnerships. Marketing and analytics are handled internally with PostHog, minimizing third-party exposure. The presence of comprehensive legal documents and contact information supports regulatory compliance and customer trust. Growth indicators include a modern digital platform and clear communication channels.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, multiple security headers, and secure login mechanisms. The use of Smart-ID, Mobile-ID, and biometric options indicates strong authentication practices. No exposed sensitive data or vulnerable libraries were detected in the HTML content. However, the absence of a public security policy or vulnerability disclosure program limits transparency. Incident response contact information is not explicitly provided, which could be improved. Overall, the site aligns well with GDPR and ISO 27001 standards, reflecting a strong security culture appropriate for a financial institution.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and controls.
  2. Provide explicit incident response and abuse contact channels on the website.
  3. Implement and publicize a vulnerability disclosure or security.txt file to encourage responsible reporting.
  4. Regularly review and update third-party libraries to mitigate potential vulnerabilities.
  5. Enhance transparency by detailing data retention policies related to analytics and user data.

Contact details published on the site

Addresses
Legal name
LHV Pank AS
VAT number
EE101428276
Registration number
10260701
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
LHV Pank AS
Description
Rahastame asjatundlikult ja usaldusega. Pakume finantseerimistooteid nii eraisikule kui ka ettevõttele.
Key services
Retail banking, Corporate banking, Investment services, Loans and financing
Content quality
excellent
Branding
consistent

Technology

Stack
jQuery, Bootstrap, PostHog analytics, Swiper.js
Frameworks
Bootstrap
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

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

Analytics and tracking

Services
PostHog
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
PostHog
Marketing tools
PostHog analytics
Transparency
basic

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. Strong focus on security with multiple login methods
  3. Comprehensive privacy and cookie policies with consent mechanisms
  4. Clear contact information and business transparency
  5. Modern and responsive design with good technical implementation
  6. Use of PostHog for analytics indicates moderate tracking
  7. No visible security vulnerabilities or exposed sensitive data
Technical notes

Notes

The website uses a modern and stable technology stack including jQuery and Bootstrap for UI components, and PostHog for analytics. The site is mobile-optimized with responsive design and accessibility considerations. Performance is moderate, with potential for optimization in loading times. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details were not evident from the HTML content. The site includes comprehensive meta tags and Open Graph data for SEO and social media integration. Technical risks are minimal, but continuous monitoring and updates are recommended to maintain security and performance.
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. 63/100Medium31 findingsView report
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