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Is partnerscreditunion.co.uk a Scam? Security Check Results - Partners Credit Union Limited

partnerscreditunion.co.uk Security Report Summary

partnerscreditunion.co.uk received a security score of 69 out of 100 in Guard's comprehensive security analysis, classified as "Moderate Risk". This report covers Partners Credit Union Limited's website security posture. Partners Credit Union Limited operates in the Finance industry in United Kingdom.

Partners Credit Union Limited is a regional financial cooperative serving members primarily in the Merseyside area and affiliated trade unions. The organization offers a range of financial products including savings accounts, loans, debit card payments, and online/mobile banking services. The website reflects a community-focused business model with clear regulatory compliance and member-centric services. Technically, the website uses established JavaScript libraries such as jQuery and integrates Google Tag Manager and Facebook SDK for analytics and marketing. Cookie consent is implemented, indicating attention to privacy compliance. Security posture is generally good with HTTPS enforced and no exposed sensitive data, though security headers are not explicitly detected. The WHOIS lookup failed due to domain registration issues, but the website is active and professionally maintained, suggesting the domain may be a subdomain or alias. Overall, the site is trustworthy and functional with room for technical and security enhancements.

The security scan identified 26 findings across security headers, SSL/TLS, DNS health, email security, GDPR compliance, and NIS2 compliance analysis modules.

Technologies detected: jQuery, jQuery UI, Google Tag Manager, Facebook SDK, Cookie Script.

About this security scan

Guard performs automated security assessments of websites by analyzing SSL/TLS certificates, HTTP security headers, DNS configuration, email authentication protocols (SPF, DKIM, DMARC), GDPR compliance indicators, NIS2 directive compliance, network exposure, and business-context intelligence. Each report provides domain-specific findings, risk scores, and actionable recommendations.

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Is partnerscreditunion.co.uk Safe? Security Analysis for Partners Credit Union Limited

https://www.partnerscreditunion.co.uk/

Check if partnerscreditunion.co.uk is a scam or legitimate. Free security scan and reviews.

FinanceUnited Kingdomsmall
jQueryjQuery UIGoogle Tag ManagerFacebook SDKCookie Script
Analyzed Completed
69
Security Score
MEDIUM RISK

Below Finance avg (78)

GDPR-aligned

Data handling

EU

Hosting region

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AI Summary

Partners Credit Union Limited is a regional financial cooperative serving members primarily in the Merseyside area and affiliated trade unions. The organization offers a range of financial products including savings accounts, loans, debit card payments, and online/mobile banking services. The website reflects a community-focused business model with clear regulatory compliance and member-centric services. Technically, the website uses established JavaScript libraries such as jQuery and integrates Google Tag Manager and Facebook SDK for analytics and marketing. Cookie consent is implemented, indicating attention to privacy compliance. Security posture is generally good with HTTPS enforced and no exposed sensitive data, though security headers are not explicitly detected. The WHOIS lookup failed due to domain registration issues, but the website is active and professionally maintained, suggesting the domain may be a subdomain or alias. Overall, the site is trustworthy and functional with room for technical and security enhancements.

Detected Technologies

jQueryjQuery UIGoogle Tag ManagerFacebook SDKCookie Script

7 urgent findings need attention

7 high

Continuous monitoring

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Security drift alerts

Risk score drops, new high-severity issues, and header hardening gaps

Compliance watch

GDPR / NIS2 posture changes with governance evidence snapshots

Infrastructure surface

Unexpected open services, SSL expiry, DNS & email authentication changes

Content & tracker intelligence

Marketing tech shifts, analytics drift, and AI recommendation updates

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OffSeq Observations

No critical findings yet

78/100

DNS Health

5 findings

60/100

Email Security

3 findings

85/100

SSL/TLS Security

4 findings

67/100

🧠AI Business Intelligence

Technology stack, business insights, and market analysis powered by AI.

Business Intelligence

Market & Strategic Analysis

The credit union operates in the finance sector with a small organizational size focused on community and union members. Its competitive advantage lies in its regional focus and affiliation with trade unions such as Unite and Unison. Revenue streams likely include interest from loans and fees from services like debit card payments. The target customer segment includes residents and workers in Merseyside and members of specific unions. The partnership ecosystem includes technology providers like Progress Systems and online account management via partners.cuaccount.com. Growth indicators include active online loan applications and mobile banking app promotion. Strategic observations suggest maintaining regulatory compliance and enhancing digital services could support future growth.

Extracted Contact Information

Marketing Intelligence Data

Security Posture Analysis

Comprehensive Security Assessment

The website demonstrates a moderate security maturity level with HTTPS enabled and cookie consent mechanisms in place. No critical vulnerabilities or exposed sensitive data were detected in the HTML content. However, the absence of explicit security headers such as Content-Security-Policy and X-Frame-Options is a gap. There is no public incident response or vulnerability disclosure information, which could be improved. Compliance with GDPR is indicated by privacy and cookie policies. The security culture appears cautious but could benefit from formalizing incident response and improving technical security controls.

Strategic Recommendations

Priority Actions for Security Improvement

1

Implement and configure security headers including Content-Security-Policy, X-Frame-Options, and X-XSS-Protection to enhance browser security.

Observations

Comprehensive website and business-context analysis.

AI-Enhanced Website Analysis

Business Insights

Company:

Partners Credit Union Limited

Description:

Partners Credit Union Limited provides financial services including savings accounts, loans, debit cards, and online/mobile banking primarily serving members in Merseyside and affiliated unions.

Key Services:
Savings accountsLoansDebit card paymentsOnline and mobile bankingWill writing serviceLoan protection insurance
Content Quality:

good

Branding:

consistent

Technical Stack

Technologies:
jQueryjQuery UIGoogle Tag ManagerFacebook SDKCookie Script
Performance:

moderate

Mobile:

good

Accessibility:

basic

SEO:

basic

Security Assessment

Security Score:
75/100
Best Practices:
  • HTTPS enforced
  • No exposed sensitive data in HTML
  • Cookie consent implemented
  • Secure login and registration links

Analytics & Tracking

Services:
Google Analytics
Tracking Level:moderate
Privacy Compliance:good

Advertising & Marketing

Tracking Pixels:
Google Analytics (via Google Tag Manager)Facebook Pixel (via Facebook SDK)
Marketing Tools:
Facebook SDK
Transparency Level:basic

Website Quality Assessment

Design Quality:good
User Experience:good
Content Relevance:good
Navigation Clarity:good
Professionalism:good
Trustworthiness:high

Key Observations

1

Website is fully accessible with no blocking or WAF challenge

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🛡️Security Headers

HTTP security headers analysis and recommendations.

Security Headers

HTTP security headers analysis

80/100
Score

Missing Content-Security-Policy header

HIGH

Controls resources the browser is allowed to load

Weak Referrer-Policy configuration

LOW

Current value: "no-referrer-when-downgrade"

👤GDPR Compliance

Privacy and data protection assessment under GDPR regulations.

GDPR Compliance

Privacy and data protection assessment

68/100
Score

No Cookie Consent Banner found

HIGH

GDPR requires explicit consent for non-essential cookies

No Data Protection Officer mentioned

LOW

Large organizations may need to designate a DPO under GDPR

Privacy policy may not be GDPR compliant

MEDIUM

Privacy policy lacks explicit GDPR compliance elements

GDPR Compliance Analysis

Privacy Policy85% confidence
Cookie Policy85% confidence
Contact Information Found90% confidence
emailphone

🛡️NIS2 Compliance

Network & Information Security Directive compliance assessment.

NIS2 Compliance

Network & Information Security Directive

17/100
Score

No information security framework found

HIGH

NIS2 requires documented cybersecurity and information security measures

No vulnerability disclosure policy

MEDIUM

NIS2 encourages coordinated vulnerability disclosure

No security policy documentation found

HIGH

NIS2 requires documented cybersecurity governance and risk management

No incident response procedures found

HIGH

NIS2 requires documented incident response and business continuity plans

No business continuity planning found

MEDIUM

NIS2 emphasizes operational resilience and business continuity

No security contact information

HIGH

NIS2 requires clear incident reporting channels

No vulnerability reporting mechanism

MEDIUM

Clear vulnerability reporting supports coordinated disclosure

No NIS2 reference found

LOW

Consider explicitly mentioning NIS2 compliance efforts

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📧Email Security

SPF, DKIM, and DMARC validation and email security assessment.

Email Security

SPF, DKIM, and DMARC validation

85/100
Score

No BIMI Record

LOW

BIMI displays brand logos in email clients

No MTA-STS Policy

MEDIUM

MTA-STS enforces TLS for email delivery

No TLS-RPT Record

LOW

TLS-RPT provides reporting for email TLS issues

SPF
Sender Policy Framework
DKIM
DomainKeys Identified Mail
DMARC
Domain-based Message Authentication
MX Records
Mail Exchange Records
BIMI
Brand Indicators
MTA-STS
Mail Transfer Agent Security
TLS-RPT
TLS Reporting
DNSSEC
DNS Security
SPF Details
Record:
v=spf1 a mx ptr ip4:81.144.232.242/28 ip4:81.134.90.44 include:spf.protection.outlook.com include:mailgun.org ~all
DNS Lookups:5/10
Policy:~all
DKIM Selectors Found
Selector:selector1(1296-bit rsa)

🏆SSL/TLS Security

Certificate validity and encryption analysis.

SSL/TLS Security

Certificate validity and encryption analysis

67/100
Score

Weak Protocols Supported

HIGH

Server supports weak protocols: TLSv1.1

OCSP Stapling Not Enabled

LOW

OCSP stapling improves performance and privacy

Certificate Transparency Not Implemented

LOW

Certificate is not logged in Certificate Transparency logs

Mixed Content Detected

MEDIUM

2 resources loaded over insecure HTTP

Protocol Support

TLSv1.3TLSv1.2TLSv1.1

OCSP Status

OCSP Stapling Disabled

📊DNS Health

DNS configuration and security assessment.

DNS Health

DNS configuration and security assessment

60/100
Score

DNSSEC Not Enabled

MEDIUM

DNSSEC is not configured for this domain

CAA Records Not Configured

LOW

Certificate Authority Authorization (CAA) records not found

Domain Transfer Lock Not Enabled

MEDIUM

Domain can be transferred without authorization

Domain Delete Lock Not Enabled

LOW

Domain can be deleted without additional verification

No DMARC Record

MEDIUM

DMARC policy not configured

Domain Registration Details

Domain Age
25 years(mature)
Expiry Risk
low(240 days)
Protection Level
none
Suspicious Indicators Detected
  • No domain protection locks enabled

DNS Records

A Records:168.61.83.96
Name Servers:
kirk.ns.cloudflare.comDNS only
mimi.ns.cloudflare.comDNS only
MX Records:
0: partnerscreditunion-co-uk.mail.protection.outlook.com
SOA:Serial: 2405501779, TTL: 1800s

DNSSEC Status

DNSSEC Not Enabled

DNS Performance

Resolution Time:32ms

SPF Analysis

SPF Record:
v=spf1 a mx ptr ip4:81.144.232.242/28 ip4:81.134.90.44 include:spf.protection.outlook.com include:mailgun.org ~all

Network Security

Port scanning and network exposure analysis.

Network Security

Port scanning and network exposure analysis

100/100
Score

Good Network Security Posture

LOW

No unnecessary services detected on common risky ports

How does partnerscreditunion.co.uk compare?

See how partnerscreditunion.co.uk stacks up against similar websites in the same industry.

🔧Technical Analysis

Detailed technical findings and analysis from AI assessment.

Technical Analysis

Comprehensive security assessment findings

Additional Findings

The website uses a traditional HTML structure with jQuery and jQuery UI for interactive elements such as the loan calculator. Google Tag Manager and Facebook SDK are integrated for analytics and marketing. Cookie Script manages cookie consent. The site is mobile responsive with a mobile navigation menu and adaptive image sliders. Performance is moderate with some room for optimization. No CMS is explicitly detected, suggesting a custom or legacy platform. Hosting provider details are not evident. Technical debt may exist due to legacy HTML meta tags and lack of modern frameworks. Opportunities include modernization with newer JavaScript frameworks and improved accessibility compliance.
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Optional add-ons

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Your order

Full Report
PDF · email delivery · lifetime access
39.90
Total
Incl. 21% VAT
39.90
Already purchased? Enter unlock code
VisaMastercardApple PayGoogle Payvia EveryPay
SEQ SIA
Reg. No. 40203410806 · VAT LV40203410806

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