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Security report for mogo.lv

Mogo Latvia SIA · Finance · Latvia

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

Mogo Latvia SIA operates as a financial services provider specializing in auto loans and leasing solutions for both individuals and legal entities within Latvia. The company is part of the larger Mogo Finance Group and has established a solid market presence since its founding in 2013. Their website clearly targets Latvian customers seeking vehicle financing, offering a range of loan and leasing products. The business model focuses on accessible auto financing, leveraging digital channels for customer engagement. Technically, the website employs modern web technologies including Vue.js and Tailwind CSS, with integration of Google Analytics and Google Tag Manager for performance and marketing insights. The site is mobile-optimized and demonstrates good SEO practices, although accessibility features are basic. Hosting details are not explicitly disclosed, but the site uses HTTPS with strong security headers, indicating a secure infrastructure. From a security perspective, the website enforces HTTPS, uses reCAPTCHA on forms to prevent abuse, and implements several security headers to mitigate common web vulnerabilities. However, there is no publicly available security policy or incident response information, and no vulnerability disclosure program or security.txt file was found. The overall security posture is good but could be enhanced by publishing formal security policies and disclosure mechanisms. Overall, the website is professional, trustworthy, and compliant with GDPR, featuring clear privacy and cookie policies with consent mechanisms. The domain registration data aligns well with the business claims, supporting legitimacy. Recommendations include enhancing accessibility, publishing security policies, and establishing a vulnerability disclosure process to further strengthen trust and security maturity.

Scanned

NIS2 and GDPR posture

GDPR outside view
48/ 100 · High
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.

    • 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 Cookie Policy found

      GDPR requires clear information about cookie usage

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

  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 mogo.lv

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.

Daily monitoring

Recommended

€25per month

  • 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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Full report

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Prices incl. 21% VAT. Secure checkout by Mollie; sold by SEQ SIA, Latvia.

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
80
Email security
85
DNS health
70
Network security
100
GDPR outside view
48
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

Mogo Latvia SIA holds an important position in the Latvian auto financing sector, leveraging its affiliation with the Mogo Finance Group to offer competitive auto loans and leasing products. The company targets both individual consumers and businesses, providing flexible vehicle financing options. Their digital presence is well-maintained, supporting customer acquisition and service delivery. The business benefits from clear branding, consistent messaging, and transparent contact information, which enhances customer trust. The absence of subsidiary domains or complex partnerships suggests a focused operational model. Growth indicators include a well-structured website with integrated analytics and marketing tools, indicating ongoing investment in digital channels.

Security posture

The website demonstrates a mature security posture with mandatory HTTPS, comprehensive security headers, and anti-bot measures via reCAPTCHA. No critical vulnerabilities or exposed sensitive data were detected in the analyzed content. However, the lack of a published security policy or incident response contact limits transparency for security researchers and customers. The absence of a vulnerability disclosure program or security.txt file is a gap in proactive security management. Compliance with GDPR is evident through privacy and cookie policies with consent mechanisms. Overall, the security maturity is good but could be improved by formalizing security governance and communication channels.

Recommendations

  1. Publish a dedicated security policy page outlining security practices and commitments.
  2. Implement a vulnerability disclosure program and publish a security.txt file to facilitate responsible reporting.
  3. Enhance website accessibility to meet WCAG standards for broader user inclusivity.
  4. Regularly audit and update third-party libraries and dependencies to mitigate vulnerabilities.
  5. Increase transparency by providing incident response contact information and procedures.

Contact details published on the site

Addresses
Legal name
Mogo Latvia SIA
VAT number
LV40103803444
Registration number
40103803444
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Mogo Latvia SIA
Description
Mogo.lv offers auto loans and leasing services to both individuals and legal entities in Latvia, focusing on vehicle financing solutions.
Key services
Auto loans, Leasing for individuals, Leasing for legal entities
Content quality
good
Branding
consistent

Technology

Stack
Tailwind CSS, Vue.js, Google Tag Manager, Google Analytics, reCAPTCHA
Frameworks
Vue.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of reCAPTCHA on forms
  • Security headers present

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Transparency
basic

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 business focus on auto loans and leasing in Latvia.
  3. Good privacy and cookie policy presence with consent mechanisms.
  4. No signs of malicious or suspicious activity.
  5. Use of modern web technologies and analytics tools.
  6. Security posture is strong with HTTPS and security headers.
  7. No explicit security policy or incident response info publicly available.
  8. No vulnerability disclosure or security.txt found.
Technical notes

Notes

The website is built on a modern front-end stack using Vue.js and Tailwind CSS, ensuring responsive design and good user experience across devices. Integration with Google Analytics and Tag Manager supports data-driven marketing and performance monitoring. The use of reCAPTCHA enhances form security against automated abuse. While the site performs moderately well, opportunities exist to improve accessibility and optimize loading times further. Hosting details are not explicitly disclosed, but security headers and HTTPS configuration indicate a secure hosting environment. The technical implementation is solid with room for enhancements in accessibility and formal security documentation.
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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