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Security report for moneyme.com.au

MoneyMe Financial Group Pty Ltd · Finance · Australia

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

Security score

80/100

Risk levelLow

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

MoneyMe Financial Group Pty Ltd operates a professional and comprehensive online lending platform in Australia, offering personal loans, car loans, debt consolidation, credit cards, and credit score services. The company positions itself as a customer-centric lender with fast approvals, competitive rates, and a commitment to social and environmental responsibility, evidenced by its B Corp certification and sustainability initiatives. The website is well-designed, mobile-optimized, and rich in content, providing clear navigation and multiple trust signals including customer reviews and awards. Technically, the site employs modern frameworks and analytics tools, ensuring good performance and SEO. Security posture is strong with HTTPS and security headers, though explicit security policies and incident response details are not publicly found. WHOIS data is unavailable due to privacy or query failure, but the overall legitimacy is supported by the professional web presence and business information. Strategic recommendations include publishing detailed security policies, adding vulnerability disclosure mechanisms, and enhancing transparency around data protection roles.

Scanned

NIS2 and GDPR posture

GDPR outside view
58/ 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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This scan found 16 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
85
Email security
82
DNS health
70
Network security
100
GDPR outside view
58
Average
80

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

Breach exposure

Leaked credentials and lookalike domains from OffSeq Breach. The counts are free; the detailed lists are paid add-ons.

Dark web exposure

Add-on

Leaked records that mention moneyme.com.au, from OffSeq Breach.

Total records
911
Employees
0
Customers
911
Third parties
0
Weak passwords
40%

9 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for moneyme.com.au.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

Technical appendix

Business context, site observations and technical notes gathered during the scan, and the standards behind each reference.

Business context

Business profile

MoneyMe targets Australian consumers seeking flexible and fast personal finance solutions, leveraging an online-only business model that reduces friction and accelerates loan approvals. Their market position is strong within the online lending sector, supported by awards and positive customer feedback. Revenue streams likely include interest and fees from loans and credit products. The company maintains partnerships with organizations like Canteen and World Vision, enhancing its social responsibility profile. The presence of dedicated investor and career subdomains indicates organizational maturity and growth orientation. The marketing ecosystem is robust, utilizing multiple ad networks and tracking technologies to optimize customer acquisition and retention.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, modern security headers, and no visible exposure of sensitive data. However, the absence of publicly available security policies, incident response contacts, or vulnerability disclosure programs suggests room for improvement in transparency and readiness. The use of multiple third-party analytics and marketing scripts necessitates ongoing vigilance to prevent supply chain risks. Compliance with privacy regulations appears adequate, with privacy and cookie policies present and consent mechanisms implemented. Overall, the security maturity is good but could be enhanced by formalizing and publishing security governance documents.

Recommendations

  1. Publish a dedicated security policy and incident response plan on the website to improve transparency and customer trust.
  2. Implement and publicize a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  3. Regularly audit and update third-party scripts and dependencies to mitigate supply chain vulnerabilities.
  4. Enhance cookie consent mechanisms to ensure full compliance with evolving privacy regulations and improve user control.
  5. Consider appointing and publishing contact details for a Data Protection Officer or privacy contact to strengthen data governance.

Contact details published on the site

Addresses
Legal name
MoneyMe Financial Group Pty Ltd
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
MoneyMe Financial Group Pty Ltd
Description
MoneyMe offers award-winning loans and credit cards with low rates, fast approvals, and flexible terms. They provide personal loans, car loans, debt consolidation, credit cards, and credit score tools. Proudly B Corp Certified, they emphasize social and environmental responsibility.
Key services
Personal loans, Car loans, Debt consolidation, Credit cards, Credit score checking, Autopay car finance for brokers/dealers
Content quality
excellent
Branding
consistent

Technology

Stack
Bootstrap 4, jQuery, Slick Carousel, Google Analytics, Google Tag Manager, Facebook Pixel, TikTok Pixel, Braze Web SDK, Microsoft Application Insights, LazyLoad images
Frameworks
Bootstrap
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure cookies likely (implied by HTTPS)
  • No exposed sensitive data in HTML
  • Use of modern analytics with privacy considerations

Analytics and tracking

Services
Google Analytics, Microsoft Application Insights, FullStory
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Bing Ads, Facebook Ads, TikTok Ads
Tracking pixels
Facebook Pixel, TikTok Pixel, FullStory
Marketing tools
Braze Web SDK, Formbricks
Transparency
good

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 challenge
  2. Content is rich, professionally presented, and relevant to financial services
  3. Strong presence of marketing and analytics tools indicating mature digital marketing
  4. No exposed sensitive data or obvious security vulnerabilities detected
  5. WHOIS data is unavailable, likely due to privacy protection or query failure
  6. Contact information is clearly presented with phone, email, and physical address
  7. Multiple trust indicators including B Corp certification and customer reviews
  8. Mobile optimization and SEO practices are well implemented
Technical notes

Notes

The website uses a modern technology stack including Bootstrap 4 for responsive design, Slick Carousel for interactive elements, and multiple analytics and marketing tools such as Google Analytics, Microsoft Application Insights, and Braze SDK. The site is mobile-optimized with good accessibility and SEO practices. Performance is moderate, with asynchronous loading of scripts and lazy loading of images to improve speed. No CMS is explicitly detected, suggesting a custom or proprietary platform. Hosting details are not directly available but the use of Azure Application Insights indicates cloud infrastructure usage. Technical risks are minimal but depend on maintaining third-party script security and timely updates.
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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