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Security report for pamac.com

PAMAC Finserve Private Limited · Finance · India

High risk. 10 critical or high findings in Network security, Security headers and 2 other checks.

Security score

45/100

Risk levelHigh

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

PAMAC Finserve Private Limited is a well-established third party process management company specializing in credit, risk, and operational services primarily for financial institutions such as banks, NBFCs, and insurance companies. With a history dating back to the 1990s and a domain age of over 25 years, PAMAC holds a strong market position in India and the UAE, supported by a reputable client base and ISO/IEC 27001:2022 certification. The company offers a broad range of services including credit processing, fraud and risk control, document collections, and learning and development. Technically, the website employs a modern but basic tech stack with Bootstrap and jQuery, delivering a good user experience and mobile optimization. However, the site lacks advanced SEO and accessibility features and does not use a CMS. Security posture is moderate, with formal certification but missing security headers and DNSSEC. Privacy compliance is weak due to the absence of privacy and cookie policies. Overall, the website is professional and trustworthy but could improve in security and compliance areas.

Scanned

NIS2 and GDPR posture

GDPR outside view
35/ 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

10 findings rated critical or high. Fix these first.

  1. Network security

    Services reachable from the internet are the first thing attackers probe. Anything open that does not need to be should be closed.

    • Critical

      Critical Service Exposed: MySQL

      Port 3306 (MySQL) is publicly accessible - MySQL - Database server

      What to do: Immediately restrict access to MySQL using firewall or VPN

      • NIS2 21(2)(e)
      • IR 2024/2690 6.7.2(f): Implementing Regulation (EU) 2024/2690, Annex point 6.7.2(f): Network security
      • NIST CM-7: NIST SP 800-53 Rev. 5 CM-7: Least Functionality
      • NIST SC-7: NIST SP 800-53 Rev. 5 SC-7: Boundary Protection

  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 Strict-Transport-Security header

      Forces HTTPS connections

      What to do: Add "Strict-Transport-Security: max-age=31536000; includeSubDomains; preload"

      • CWE-319
      • OWASP A04:2025
      • ASVS V3.4.1
    • 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';…

  3. GDPR outside view

    These are the privacy signals visitors and data protection authorities look for under GDPR.

    • 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

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

Keep watching pamac.com

This scan found 26 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

Email alerts on material changes and an exportable JSON history of every change.

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Full report

€39.90one-time

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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
67
Security headers
15
Email security
70
DNS health
80
Network security
0
GDPR outside view
35
Average
45

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 · found on this site
  • 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

PAMAC operates in the finance sector as a third party process management service provider, targeting banks, NBFCs, and insurance companies. Its business model revolves around outsourcing critical credit and risk management processes. The company leverages its ISO certification and strong client relationships as competitive advantages. The website indicates a medium-sized enterprise with international presence in India and UAE. The company maintains a professional brand image and consistent messaging. The absence of privacy and cookie policies suggests potential compliance gaps. The partnership with Pineapple Consulting for website design indicates a focus on professional digital presence. No direct revenue streams or pricing models are disclosed on the site. The client logos and testimonials serve as trust signals enhancing market credibility.

Security posture

PAMAC demonstrates a moderate security maturity level, evidenced by its ISO/IEC 27001:2022 certification, which indicates a formal information security management system. However, the website lacks implementation of common security headers such as Content-Security-Policy, X-Frame-Options, and HSTS, which are important for mitigating web-based attacks. DNSSEC is not enabled, reducing DNS security. The contact form uses client-side validation but no visible advanced protections like CAPTCHA or server-side validation details. No incident response or security policy pages are found, limiting transparency on security practices. Privacy compliance is weak, with no privacy or cookie policies present. Overall, while the company likely has internal security controls, the public-facing website could improve its security posture to better protect users and demonstrate compliance.

Recommendations

  1. Enable DNSSEC on the domain to enhance DNS security and prevent spoofing.
  2. Implement and publish a comprehensive privacy policy and cookie policy to improve GDPR and privacy compliance.
  3. Add security headers such as Content-Security-Policy, X-Frame-Options, and HSTS to protect against common web vulnerabilities.
  4. Publish an incident response policy and provide dedicated security contact channels (e.g., security@ or abuse@ emails).
  5. Conduct a security audit of all web forms to ensure server-side validation and protection against injection attacks.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PAMAC Finserve Private Limited
Description
PAMAC Finserve Private Limited is a leading third party process management company specializing in credit, risk, and operations services for banks, NBFCs, and insurance companies with presence in India and UAE.
Key services
Credit Processing & Appraisal, Customer Profile Validation, Transaction Processing, Document Collections, Fraud & Risk Control, Resource Support & Processing, Accounts First, Collections Service, Learning & Development
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Bootstrap 3.2.0, jquery.validate, slidebars, fancybox
Frameworks
Bootstrap
Performance
moderate
Mobile
good
Accessibility
basic
SEO
basic

Security

Observed score
60/100
Good practices seen
  • Use of ISO/IEC 27001:2022 certification indicates formal information security management
  • Contact form uses client-side validation

Analytics and tracking

Tracking level
minimal
Privacy practices
poor

Advertising

Transparency
poor

Site quality

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

Key observations

  1. Website is professionally designed with clear navigation and consistent branding.
  2. No privacy or cookie policy found, which is a compliance gap.
  3. Contact information is clearly provided including emails, phone numbers, and a contact form.
  4. ISO/IEC 27001:2022 certification prominently displayed indicating strong security management.
  5. No security headers or DNSSEC enabled, which are recommended improvements.
  6. No evidence of WAF or blocking mechanisms; site content fully accessible.
  7. External links mostly to trusted CDNs and social media platforms.
  8. No analytics or tracking scripts detected, indicating minimal user tracking.
Technical notes

Notes

The website uses a classic web technology stack with Bootstrap 3.2.0 and jQuery libraries, providing responsive design and basic client-side validation. External resources are loaded from trusted CDNs such as MaxCDN and Google Fonts. The site does not appear to use a CMS, indicating a custom or static site approach. Performance is moderate with no explicit optimization techniques detected. Accessibility features are basic, with some support for older IE versions. SEO is basic with meta tags present but no advanced structured data or Open Graph tags detected. Hosting is via Network Solutions, LLC as per WHOIS data. The site could benefit from modernization including updated frameworks, enhanced accessibility, and improved SEO practices.
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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