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Security report for moneza.lv

Moneza · Finance · Latvia

Medium risk. 6 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

70/100

Risk levelMedium

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

Moneza is a Latvian financial services company specializing in providing a wide range of loan products including consumer loans, business loans, auto loans, and mortgage-related credits. The company positions itself as a modern, customer-centric lender offering flexible credit solutions to support personal and financial growth. Their online platform facilitates quick loan applications with responses typically within 15 minutes, targeting both individual consumers and businesses in Latvia. The website is well-structured, professionally designed, and localized in Latvian with options for Russian language, indicating a focus on the regional market. Technically, the site leverages modern web technologies such as React and Next.js, integrating multiple marketing and analytics tools like HubSpot, Google Tag Manager, Hotjar, and Facebook Pixel, reflecting a mature digital marketing strategy. Security posture is solid with HTTPS enforced and no visible vulnerabilities, though explicit security headers could be better documented. Privacy compliance is evident with a comprehensive privacy policy and cookie consent mechanisms. Overall, Moneza presents a trustworthy and professional online presence with clear business credibility and user-friendly features.

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

6 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 Policy found

      GDPR requires clear information about cookie usage

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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook

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

  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 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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Keep watching moneza.lv

This scan found 18 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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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
75
Security headers
65
Email security
70
DNS health
85
Network security
100
GDPR outside view
25
Average
70

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

Moneza operates in the finance sector, focusing on consumer and business lending in Latvia. Their business model revolves around online loan origination, offering diverse credit products tailored to various customer needs such as home renovation, vehicle purchase, debt consolidation, and business financing. The company emphasizes personalized service and transparent terms, supported by detailed product descriptions and representative examples. Their marketing ecosystem includes partnerships with major analytics and advertising platforms, enabling targeted outreach and customer engagement. The presence of a Facebook page and office contact details enhances their market credibility. While WHOIS data is unavailable, the website's content quality and professional presentation suggest a stable and legitimate operation. Growth indicators include a broad loan portfolio and active blog content addressing customer concerns and financial education.

Security posture

The website demonstrates a good security maturity level with HTTPS enabled and secure form handling for user inputs such as email and phone number. The use of modern frameworks reduces common vulnerabilities, and no sensitive data is exposed in the HTML. However, explicit security headers like Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not clearly visible and should be verified or enhanced. There is no published security policy or incident response contact, which could improve transparency and readiness. Third-party scripts from HubSpot, Facebook, and others introduce some risk, necessitating regular audits. No vulnerabilities or malware indicators were detected. Overall, the security posture is strong but could benefit from formalized policies and header enhancements.

Recommendations

  1. Explicitly implement and verify security headers such as CSP, X-Frame-Options, and X-Content-Type-Options to strengthen browser security.
  2. Publish a clear security policy and provide incident response contact information to enhance transparency and trust.
  3. Regularly audit and update third-party scripts to mitigate risks from external dependencies.
  4. Enhance privacy compliance disclosures, including data retention policies and user rights information.
  5. Consider adding a vulnerability disclosure program or security.txt file to encourage responsible reporting.

Contact details published on the site

Addresses
Legal name
Moneza
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Moneza
Description
Ātrs un vienkāršs aizdevums no Moneza. Ienāc un izvēlies sev piemērotāko kredītu. Aizpildi pieteikumu online un saņem atbildi 15 minūtēs! Moneza piedāvā elastīgus kredītus, atbalstot klientu personīgo un finansiālo izaugsmi.
Key services
Patēriņa kredīts, Kredīts remontam, Pārkreditācija, Kredītu apvienošana, Auto kredīts, Nekustamā īpašuma kredīts, Kredīts pret ķīlu, Kredīts uzņēmumam, Ātrais kredīts, Kredītlīnija
Content quality
excellent
Branding
consistent

Technology

Stack
React, Next.js, HubSpot scripts, Google Tag Manager, Hotjar, Bing Ads, Facebook Pixel
Frameworks
Next.js, React
Platforms
Web
Performance
moderate
Mobile
excellent
Accessibility
good
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Use of modern JavaScript frameworks
  • No exposed sensitive data in HTML
  • Secure form inputs with email and phone validation

Analytics and tracking

Services
HubSpot Analytics, Google Analytics, Hotjar, Bing Ads
Tracking level
extensive
Privacy practices
good

Advertising

Ad networks
Bing Ads
Tracking pixels
Facebook Pixel, Hotjar
Marketing tools
HubSpot, Cookie Script
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 rich content and interactive features.
  2. Strong focus on Latvian market with localized language and services.
  3. Multiple loan products clearly described with application forms.
  4. Contact information is transparent and easily found.
  5. Use of multiple third-party marketing and analytics tools.
  6. No signs of phishing, malware, or suspicious content.
  7. No WHOIS data available due to query limit, limiting domain trust analysis.
Technical notes

Notes

The website is built on a modern React and Next.js stack, ensuring good performance and SEO capabilities. It uses multiple CSS stylesheets and preloads fonts for optimized rendering. Integration with HubSpot, Google Tag Manager, Hotjar, Bing Ads, and Facebook Pixel indicates a comprehensive marketing and analytics infrastructure. The site is mobile-optimized with responsive design and accessibility considerations. No CMS is explicitly detected, suggesting a custom or headless approach. Performance is moderate, with room for improvement in script loading and caching strategies. The technical implementation supports a professional user experience but should maintain vigilance on third-party script security and performance optimization.
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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