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Security report for mnspf.fr

Mutuelle Nationale des Sapeurs-Pompiers de France · Healthcare · France

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

52/100

Risk levelMedium

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

The Mutuelle Nationale des Sapeurs-Pompiers de France (MNSPF) operates a professional website offering health and insurance services tailored specifically for firefighters and their families in France. The organization has a solid market presence with over 290,000 members and provides a range of complementary health insurance, salary maintenance, and death/permanent disability coverage products. The website is well-branded, consistent, and targets a clear audience with relevant content and testimonials. Technically, the site is built on WordPress using the Divi theme and incorporates modern SEO and privacy tools such as Yoast SEO and Complianz GDPR plugin. Matomo Analytics is used for privacy-respecting visitor tracking. Security posture is good with HTTPS enforced and cookie consent implemented, though some security headers could be improved. No critical vulnerabilities or suspicious WHOIS patterns were found, and the domain registration aligns well with the business claims. Overall, the site demonstrates a mature digital presence with good privacy compliance and business credibility.

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

7 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 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. 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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  • TLS certificates and expiry
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  • 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
50
Email security
60
DNS health
65
Network security
40
GDPR outside view
25
Average
52

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

MNSPF is positioned as a specialized mutual insurer serving the firefighter community in France. Its business model focuses on providing tailored health and income protection products, leveraging a strong community trust and long-standing history. The company benefits from a clear segmentation between public and private sector firefighters and offers modular insurance products. The presence of dedicated portals for members and healthcare professionals indicates a well-developed service ecosystem. The company maintains active social media channels to engage its audience and enhance brand visibility. The domain age and registrar data support the legitimacy and stability of the business. No parent or subsidiary companies were identified, suggesting an independent mutual organization.

Security posture

The website enforces HTTPS and uses a cookie consent mechanism compliant with GDPR, including detailed privacy policies. Matomo Analytics is employed, which is known for privacy-friendly tracking. However, explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options were not detected in the provided data, representing an area for improvement. No exposed sensitive data or vulnerable libraries were identified. The absence of a published security policy or incident response contact limits transparency in security governance. Overall, the security posture is solid but could be enhanced by implementing additional HTTP security headers and publishing formal security policies.

Recommendations

  1. Implement and verify HTTP security headers including Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options to mitigate common web attacks.
  2. Publish a dedicated security policy page and provide clear incident response contact channels to improve transparency and trust.
  3. Consider creating and publishing a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  4. Regularly audit third-party plugins and libraries for vulnerabilities and update them promptly.
  5. Enhance accessibility features to improve compliance and user experience for all visitors.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Mutuelle Nationale des Sapeurs-Pompiers de France
Description
La MNSPF protège la santé et l'avenir des sapeurs-pompiers et de leurs familles depuis plus de trente ans.
Key services
Complémentaire santé, Hospitalisation / Immobilisation, Maintien de salaire pour les fonctionnaires, Maintien de salaire pour les non-fonctionnaires, Capital décès et perte totale et irréversible d’autonomie, Social actions, Prevention actions
Content quality
good
Branding
consistent

Technology

Stack
WordPress, Divi Theme, Yoast SEO, jQuery, Matomo Analytics, Complianz GDPR plugin, FontAwesome
Frameworks
WordPress
Platforms
WordPress CMS
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Cookie consent banner with opt-in
  • No exposed sensitive data found in HTML
  • Use of Matomo for privacy-respecting analytics

Analytics and tracking

Services
Matomo Analytics
Tracking level
minimal
Privacy practices
good

Advertising

Tracking pixels
Matomo Analytics
Marketing tools
Yoast SEO, Complianz GDPR plugin
Transparency
good

Site quality

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

Key observations

  1. Website is professionally designed and well-structured.
  2. Clear focus on health and insurance services for firefighters in France.
  3. Strong privacy compliance with GDPR cookie consent and privacy policy.
  4. Use of privacy-respecting analytics (Matomo).
  5. No visible security or privacy red flags.
  6. WHOIS data supports legitimacy and consistency.
  7. No terms of service page explicitly found.
  8. No explicit security policy or incident response contact found.
  9. Social media presence on major platforms (X, Instagram, LinkedIn, Facebook).
Technical notes

Notes

The website is built on a modern WordPress CMS platform using the Divi theme, which provides a flexible and responsive design. SEO is well-managed through Yoast SEO plugin, and privacy compliance is handled via the Complianz GDPR plugin. The site uses jQuery and FontAwesome for UI elements and icons. Matomo Analytics is integrated for visitor tracking with a focus on privacy. Hosting is managed through the registrar Nordnet, a French provider, consistent with the site's French audience. Performance is moderate with good mobile optimization and clear navigation. There is some technical debt potential in the form of missing security headers and basic accessibility features, which should be addressed to improve overall site robustness and compliance.
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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