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Security report for muzapensija.lv

Banka Citadele · Finance · Latvia

Partial score · DNS & email only

75/100

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

Banka Citadele is a prominent Latvian financial institution offering a range of banking, insurance, and pension products, including the featured lifetime pension insurance. The website demonstrates a professional and user-friendly design with clear navigation and multilingual support, targeting individuals approaching retirement age. The technical infrastructure leverages modern web technologies such as jQuery, Bootstrap, and Google Tag Manager, ensuring a responsive and interactive user experience. Security posture is strong with HTTPS enforcement and cookie consent mechanisms, although some security headers could be improved. The absence of WHOIS data limits domain trust verification, but the overall branding and linked domains strongly support legitimacy. Privacy compliance is well addressed with clear cookie policies and GDPR considerations.

Scanned

NIS2 and GDPR posture

GDPR outside view
25/ 100 · Critical
Checks completed
6of 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

5 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, LinkedIn, YouTube

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

  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 muzapensija.lv

This scan found 13 issues across 5 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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Recommended

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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
77
Email security
87
DNS health
85
Network security
100
GDPR outside view
25
Average
75

Not counted

  • Security headers: did not complete in this scan.
  • 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 muzapensija.lv, from OffSeq Breach.

No leaked records found

Breach holds no records for muzapensija.lv right now. New leaks arrive continuously, so monitoring on Breach alerts you if that changes.

Monitor on Breach (opens in a new tab)

Technical appendix

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

Business context

Business profile

Citadele operates in the finance sector with a focus on retail banking, leasing, insurance, and pension services. The business model centers on providing comprehensive financial solutions to individuals and businesses in Latvia. The company maintains a strong market position supported by its parent group and subsidiaries. Key revenue streams likely include banking fees, loan interest, insurance premiums, and pension fund management. The website's integration with partner domains and portals indicates a well-established ecosystem. Growth indicators include new product offerings and digital service enhancements. The target customer segment is primarily Latvian residents nearing retirement, with services tailored to their financial planning needs.

Security posture

The website exhibits a mature security posture with HTTPS enforced and a robust cookie consent mechanism that respects user privacy preferences. Use of Google Tag Manager and analytics is transparent with opt-in/out options. However, the lack of visible security headers such as Content-Security-Policy and X-Frame-Options suggests room for improvement. No vulnerabilities or exposed sensitive data were detected in the HTML content. Incident response and vulnerability disclosure information are not publicly available, which could be enhanced to improve trust. Overall, the site aligns well with GDPR requirements but could benefit from additional security best practices and transparency.

Recommendations

  1. Implement comprehensive security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection.
  2. Publish explicit security and incident response policies to enhance transparency and trust.
  3. Enhance accessibility features to meet higher compliance standards.
  4. Regularly audit third-party scripts and tracking tools for security and privacy compliance.
  5. Obtain and display relevant certifications and trust badges to reinforce business credibility.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Banka Citadele
Description
Banka Citadele offers lifetime pension insurance services, allowing customers to receive pension payments from their 2nd pension level capital with flexible payout frequency and beneficiary options.
Key services
Lifetime pension insurance, Banking services, Loans and leasing, Savings and investments, Insurance products
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap, Google Tag Manager, Robots meta tag, IntersectionObserver, ResizeObserver
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Cookie consent with opt-in/out
  • No exposed sensitive data in HTML

Analytics and tracking

Services
Google Analytics, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

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. Comprehensive cookie consent mechanism implemented.
  3. No direct contact emails or phone numbers found on this page.
  4. Multiple external trusted domains linked, including Citadele Group and related services.
  5. No security.txt or explicit vulnerability disclosure found.
  6. No explicit privacy or security policy pages linked on this page but found on the main site.
  7. Use of modern JavaScript APIs like IntersectionObserver and ResizeObserver.
  8. Google Tag Manager used for analytics and marketing tracking.
  9. No signs of adult or questionable content.
  10. WHOIS data unavailable, limiting domain trust verification.
Technical notes

Notes

The website uses a modern tech stack with jQuery and Bootstrap frameworks, ensuring responsive design and interactive elements. Google Tag Manager is employed for analytics and marketing tracking, indicating a data-driven approach. Performance is moderate with some scope for optimization. The site supports multiple languages and uses advanced browser APIs like IntersectionObserver and ResizeObserver for UI enhancements. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting details are not disclosed. SEO is basic with canonical tags and meta descriptions present but could be improved. Overall, the technical implementation supports a professional and scalable online 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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