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Security report for lookwhoscharging.com.au

Experian Information Solutions, Inc. · Finance · Australia

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

Security score

76/100

Risk levelLow

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

Experian Information Solutions, Inc. operates the website as a technology and data services provider specializing in merchant information enrichment for financial institutions. The site communicates the acquisition of Look Who’s Charging and provides resources for consumers, merchants, and businesses to submit feedback or access portals. The company holds a strong market position as a leading provider of credit and data services with a focus on technology-driven solutions. The website infrastructure is built on Adobe Experience Manager with integrated marketing and analytics tools, reflecting a mature digital presence. Security posture is solid with HTTPS, WAF protection, and bot mitigation, though some security headers and explicit policies could be improved. Overall, the site is professional, trustworthy, and compliant with privacy regulations, though cookie consent mechanisms are not evident in the provided snapshot.

Scanned

NIS2 and GDPR posture

GDPR outside view
53/ 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

    • High

      No Cookie Consent Banner found

      GDPR requires explicit consent for non-essential cookies

      What to do: Implement a cookie consent banner that appears on first visit

  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

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Keep watching lookwhoscharging.com.au

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
82
Security headers
80
Email security
70
DNS health
70
Network security
100
GDPR outside view
53
Average
76

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

Experian leverages its extensive merchant database to support banks and businesses in transaction identification and enrichment, enhancing customer experience. The business model is B2B focused, providing data services and portals for developers and merchants. The acquisition of Look Who’s Charging expands their solution offerings. The company targets multiple audiences including consumers seeking transaction clarity, merchants wanting accurate statement representation, and businesses accessing Experian’s portals. The partnership ecosystem includes its parent company and integrated marketing platforms. The website content and structure support clear communication of services and disclaimers, reinforcing brand trust and compliance.

Security posture

The website demonstrates a good security maturity level with enforced HTTPS, use of Incapsula WAF, and reCAPTCHA for bot protection. However, explicit security headers like Content-Security-Policy and X-Frame-Options are not detected, representing an area for improvement. No vulnerabilities or exposed sensitive data were found in the analysis. The absence of visible incident response or security policy pages suggests a gap in transparency. Compliance with GDPR is implied through privacy policy presence but cookie consent is not evident. Overall, the security posture is strong but could benefit from enhanced header policies and clearer security documentation.

Recommendations

  1. Implement and enforce Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options headers to strengthen security.
  2. Add a visible security policy and incident response contact information to improve transparency and trust.
  3. Introduce a cookie consent banner or mechanism to comply fully with privacy regulations.
  4. Enhance accessibility features to improve compliance and user experience for all users.
  5. Regularly audit third-party scripts and marketing tools to minimize privacy risks and ensure compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Experian Information Solutions, Inc.
Description
Experian is a technology business providing merchant information to banks to help customers identify purchase sources. The site references the acquisition of Look Who’s Charging in 2019 and integration of their solutions with Experian’s technology.
Key services
Merchant information enrichment, Developer Portal access, Merchant Search Portal, Business solutions
Content quality
good
Branding
consistent

Technology

Stack
Adobe Experience Manager (AEM), Adobe DTM (Dynamic Tag Management), Google reCAPTCHA, Taboola, Eloqua Marketing Automation, Incapsula (Imperva) WAF
Frameworks
Adobe Experience Manager
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA for bot protection
  • Use of WAF (Incapsula)

Analytics and tracking

Services
Adobe Analytics, Google Optimize
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Taboola
Tracking pixels
Taboola Pixel, Eloqua Tracking
Marketing tools
Adobe DTM, Eloqua
Transparency
basic

Site quality

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

Key observations

  1. Website is a landing page informing about the acquisition of Look Who’s Charging by Experian.
  2. No direct transaction processing or banking services are provided by Experian on this site.
  3. Clear disclaimers about not being a bank or merchant and directing users to contact banks or merchants for transaction issues.
  4. Multiple portals and feedback forms are linked for consumers, merchants, and businesses.
  5. No WHOIS detailed data available due to privacy and malformed WHOIS response.
  6. Use of advanced marketing and analytics tools indicates mature digital marketing practices.
  7. No visible contact emails or phone numbers on the page; contact is via forms and contact URLs.
  8. No cookie consent banner detected in the provided HTML snapshot.
Technical notes

Notes

The website is built on Adobe Experience Manager, a robust enterprise CMS, integrated with Adobe DTM for tag management and Eloqua for marketing automation. It uses Google reCAPTCHA for bot mitigation and Taboola for advertising and retargeting. The presence of Incapsula WAF scripts indicates strong perimeter security. Performance is moderate with asynchronous loading of scripts and responsive design for mobile optimization. SEO is basic with proper meta tags and Open Graph data but could be improved with richer structured data. Accessibility is basic, with some ARIA roles but no advanced features detected. Overall, the technical infrastructure is modern and well-maintained, supporting a professional digital presence.
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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