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Security report for lipo-mastercard.ch

Cembra Money Bank AG · Finance · Switzerland

Medium risk. 3 critical or high findings in GDPR outside view and SSL/TLS.

Security score

75/100

Risk levelMedium

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

The website lipo-mastercard.ch presents the LIPO Mastercard, a credit card product issued by Cembra Money Bank AG, targeting Swiss residents and customers of the LIPO retail chain. The site offers detailed information about the card's benefits, usage, and additional services such as mobile payment and a personalized card design option. The business is positioned as a niche financial service provider with a focus on customer loyalty through point collection and exclusive offers. Technically, the site employs modern web technologies including Google Tag Manager and OneTrust for analytics and cookie consent management, ensuring GDPR compliance and user privacy. Security measures such as HTTPS and security headers are properly implemented, though explicit security and incident response policies are not directly published on the site. Overall, the website is professional, trustworthy, and well-optimized for user experience and mobile devices.

Scanned

NIS2 and GDPR posture

GDPR outside view
65/ 100 · Medium
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

3 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.

    • 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

      Third-party services without privacy policy

      Detected services: Google Analytics

      What to do: Document all third-party data sharing in your privacy policy

  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.

    • 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

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

Keep watching lipo-mastercard.ch

This scan found 19 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
67
Security headers
75
Email security
70
DNS health
75
Network security
100
GDPR outside view
65
Average
75

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

Cembra Money Bank AG leverages the LIPO Mastercard to strengthen its market presence in the Swiss credit card sector, particularly among retail customers of LIPO. The business model combines financial services with a loyalty program, enhancing customer retention. The partnership with LIPO and integration of exclusive discounts and points collection provide competitive advantages. The website's content and structure reflect a mature digital presence with clear calls to action for card applications and customer support. The absence of direct email contacts suggests a preference for phone and online contact channels. The company maintains strong brand consistency and legal compliance, supporting its credibility and growth potential.

Security posture

The website demonstrates a solid security posture with enforced HTTPS, appropriate security headers, and no visible exposure of sensitive data. The use of OneTrust for cookie consent indicates attention to privacy regulations. However, the lack of a dedicated security policy or incident response contact limits transparency in security governance. No vulnerabilities or outdated libraries were detected in the provided content. The site would benefit from publishing explicit security and incident response information to enhance user trust and regulatory compliance.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and user protections.
  2. Provide clear incident response contact information, such as a security@ or abuse@ email address.
  3. Enhance accessibility features to improve compliance with standards and user experience.
  4. Regularly review and update third-party scripts to mitigate potential vulnerabilities.
  5. Include data protection officer contact details to strengthen GDPR compliance transparency.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Cembra Money Bank AG
Description
Die LIPO Mastercard ist eine Kreditkarte, die von der Cembra Money Bank AG herausgegeben wird. Sie bietet Vorteile wie keine Jahresgebühr, Punkte sammeln, Mobile Payment, weltweite Akzeptanz und Zusatzleistungen. Die Karte richtet sich an Personen mit Wohnsitz in der Schweiz und ist eng mit dem LIPO Einrichtungsmarkt verbunden.
Key services
Kreditkarten mit Bonuspunkten, Mobile Payment, Online Konto- und Transaktionszugriff, Zusatzleistungen und Versicherungen
Content quality
excellent
Branding
consistent

Technology

Stack
HTML5, CSS3, JavaScript, jQuery, Google Tag Manager, OneTrust Cookie Consent
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML
  • Use of Google Tag Manager for analytics

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Content is comprehensive and relevant to the LIPO Mastercard product.
  3. Strong integration with Cembra Money Bank branding and services.
  4. Cookie consent and privacy compliance mechanisms are implemented.
  5. No signs of phishing, malware, or suspicious activity.
  6. Contact information is clear but no direct email addresses found.
  7. No explicit security policy or incident response page found.
  8. Use of Google Tag Manager and OneTrust for analytics and consent management.
Technical notes

Notes

The website uses a clean and modern HTML5 structure with CSS and JavaScript enhancements, including jQuery and Google Tag Manager for analytics. The OneTrust cookie consent implementation ensures compliance with privacy laws. The site is mobile responsive and optimized for various devices, though accessibility could be improved. Performance is moderate, with no major technical debt observed. Hosting and CMS details are not explicitly identified, suggesting a custom or proprietary solution. Overall, the technical infrastructure supports a secure and user-friendly experience aligned with industry best practices.
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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