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Security report for nordcard.eu

SIA Hedge Capital Company · Finance · Latvia

Medium risk. 8 critical or high findings in GDPR outside view, Security headers and 2 other checks.

Security score

60/100

Risk levelMedium

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

NordCard, operated by SIA Hedge Capital Company, is a Latvian non-bank financial service provider specializing in offering flexible credit lines up to 10,000 EUR. The website targets Latvian consumers seeking quick and convenient short-term credit solutions, providing online application processes, online banking access, and payment cards linked to credit lines. The company positions itself as a reliable and customer-focused lender within the Latvian market, supported by customer reviews and comprehensive FAQs. Technically, the website employs modern JavaScript libraries and Google Tag Manager for analytics and marketing, with good mobile optimization and SEO practices. Security posture is solid with HTTPS enforced and secure form handling, though some HTTP security headers are not explicitly detected. Privacy compliance is well addressed with accessible privacy and cookie policies and a consent mechanism. Overall, the website demonstrates a professional and trustworthy online presence with moderate to good technical maturity.

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

8 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

  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';…

Need hands-on remediation? Email guard@offseq.com

Keep watching nordcard.eu

This scan found 25 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

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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
77
Security headers
25
Email security
60
DNS health
70
Network security
100
GDPR outside view
25
Average
60

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

NordCard operates in the finance sector, specifically in non-bank lending in Latvia. Its business model revolves around providing credit lines with flexible repayment and usage terms, appealing to consumers needing short-term financial solutions. The company leverages digital channels for customer acquisition and service delivery, including online banking and payment cards. The presence of detailed FAQs, blogs, and customer testimonials indicates a focus on customer education and trust-building. The company maintains active social media profiles on Facebook and Instagram, enhancing its market reach. The domain registration and website content are consistent, supporting business credibility. No direct partnerships or subsidiaries are identified from the website content.

Security posture

The website enforces HTTPS and uses secure forms with CSRF tokens, indicating good baseline security practices. Cookie consent is implemented, supporting privacy compliance. However, no explicit security policy or incident response contact information is found, which could be improved. No vulnerability disclosure or security.txt file is present. The absence of certain HTTP security headers (e.g., CSP, HSTS) suggests room for enhancement to mitigate common web threats. No vulnerabilities or exposed sensitive data were detected in the content. Overall, the security posture is good but could benefit from formalized policies and additional technical controls.

Recommendations

  1. Implement HTTP security headers such as Content-Security-Policy, Strict-Transport-Security, X-Frame-Options, and X-XSS-Protection to enhance web security.
  2. Publish a clear security policy and provide incident response contact information to improve transparency and readiness.
  3. Add a vulnerability disclosure policy or security.txt file to encourage responsible reporting of security issues.
  4. Enhance accessibility features to meet higher compliance standards and improve user experience for all users.
  5. Regularly review and audit third-party scripts and tracking tools to minimize security risks and ensure privacy compliance.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
SIA Hedge Capital Company
Description
NordCard is a brand of SIA Hedge Capital Company providing credit line services in the non-bank lending sector in Latvia. They offer flexible credit lines up to 10,000 EUR with individual interest rates and flexible repayment options.
Key services
Credit lines up to 10,000 EUR, Online banking, Payment cards linked to credit lines, Debt refinancing (Pārkreditācija)
Content quality
good
Branding
consistent

Technology

Stack
Google Tag Manager, jQuery, noUiSlider, Cookies.js
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Secure forms with CSRF tokens
  • Cookie consent banner implemented

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Tracking pixels
Facebook Pixel
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with no blocking or WAF challenges.
  2. Content is primarily in Latvian targeting Latvian consumers.
  3. Multiple clear calls to action for credit line application.
  4. Comprehensive FAQ and blog content supporting user education.
  5. Contact information is clearly presented with phone and email.
  6. Cookie consent and privacy policies are implemented and accessible.
  7. No explicit security policy or incident response information found.
  8. No visible security.txt or vulnerability disclosure page.
  9. Use of modern tracking and marketing tools with privacy considerations.
Technical notes

Notes

The website uses a modern tech stack including Google Tag Manager and jQuery, with no detected CMS. Hosting is likely managed through GoDaddy as the registrar. Performance is moderate with good mobile responsiveness and SEO optimization. The site uses noUiSlider for interactive UI elements and Cookies.js for cookie management. The HTML is valid and well-structured, supporting good user experience. There is some technical debt in missing security headers and limited accessibility features. The site could benefit from CMS adoption or framework usage for easier content management and scalability.
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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