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Security report for patafinance.lv

PATA Finance · Finance · Latvia

Medium risk. 4 critical or high findings in Security headers and SSL/TLS.

Security score

74/100

Risk levelMedium

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

PATA Finance is a Latvian financial services company specializing in providing credit lines secured by agricultural and forest land. Their website offers detailed information about their services, including credit limit calculations based on land area and type, flexible repayment options, and transparent fee structures. The company targets landowners in Latvia seeking financing solutions to enhance property value and liquidity. The website is professionally designed with clear navigation and mobile optimization, reflecting a mature digital presence. Technically, the site employs modern JavaScript libraries, Google Analytics, Facebook Pixel, and cookie consent management tools, indicating a focus on user experience and marketing analytics. Security posture is adequate with HTTPS enforced and cookie consent implemented, though security headers and incident response information are absent. WHOIS data is unavailable due to query limits, but the domain appears legitimate with privacy protection likely in place. Overall, the site demonstrates good business credibility and privacy compliance, suitable for its financial services niche.

Scanned

NIS2 and GDPR posture

GDPR outside view
83/ 100 · Low
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

4 findings rated critical or high. Fix these first.

  1. 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';…

  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 patafinance.lv

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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
Security headers
15
Email security
85
DNS health
85
Network security
100
GDPR outside view
83
Average
74

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

The company occupies a niche market in Latvia, offering secured credit lines for agricultural and forest landowners. Their competitive advantage lies in fast credit evaluation, no commission fees for application review, and flexible repayment without fixed schedules. The business model focuses on leveraging land assets to provide liquidity to clients. Revenue streams likely include interest on utilized credit and processing fees. The target customers are landowners requiring short-term financing to improve property value or manage cash flow. The company maintains a partnership ecosystem including social media channels and a related parent domain (pata.lv). Growth indicators include a user-friendly loan calculator and video explanations. Strategic observations suggest a focus on transparency and customer convenience to build trust in a specialized financial segment.

Security posture

The website demonstrates a moderate security maturity level. HTTPS is enforced, and a comprehensive cookie consent mechanism is implemented, supporting GDPR compliance. However, no explicit security headers (e.g., CSP, HSTS) were detected in the provided data, and no published security or incident response policies are available. There is no evidence of vulnerability disclosure programs or security.txt files. The use of third-party analytics and marketing scripts introduces potential risk vectors that require ongoing monitoring. The absence of visible security best practices documentation and incident response contacts indicates room for improvement in security culture and transparency. Overall, the security posture is adequate for a small financial services website but could be enhanced to meet higher compliance and trust standards.

Recommendations

  1. Implement and enforce security headers such as Content-Security-Policy, X-Frame-Options, and Strict-Transport-Security to improve protection against common web attacks.
  2. Publish a clear security policy and incident response contact information on the website to enhance transparency and user trust.
  3. Establish a vulnerability disclosure program or security.txt file to encourage responsible reporting of security issues.
  4. Regularly audit and update third-party scripts and libraries to mitigate risks from vulnerable dependencies.
  5. Enhance privacy compliance by providing detailed data retention policies and user rights information beyond cookie consent.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PATA Finance
Description
PATA Finance offers credit lines secured by agricultural and forest land with monthly interest rates starting from 0.83%. They provide fast credit evaluation and approval, free application review, fair credit fees, guaranteed credit limits based on land area and usage, and flexible repayment terms.
Key services
Credit lines secured by agricultural land, Credit lines secured by forest land, Credit limit evaluation based on land area and type, Flexible repayment options
Content quality
good
Branding
consistent

Technology

Stack
JavaScript, Google Analytics, Facebook Pixel, Google Tag Manager, noUiSlider
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
75/100
Good practices seen
  • HTTPS enforced (implied by https URL)
  • Cookie consent banner with detailed cookie categories

Analytics and tracking

Services
Google Analytics
Tracking level
moderate
Privacy practices
good

Advertising

Ad networks
Google, Facebook
Tracking pixels
Facebook Pixel
Marketing tools
CookieInformation consent management
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. Comprehensive cookie consent mechanism implemented with detailed categories and descriptions.
  3. Clear contact information including phone and email present in footer.
  4. Social media presence on Facebook and LinkedIn consistent with business domain.
  5. No visible security policy or incident response information published.
  6. No terms of service page detected.
  7. WHOIS data unavailable due to query limit error; no alternative data found.
  8. Website uses modern JavaScript libraries and tracking tools.
  9. Good mobile optimization and accessibility features observed.
  10. No adult or questionable content detected.
Technical notes

Notes

The website uses a modern JavaScript-based frontend with modules loaded asynchronously, including Google Analytics, Facebook Pixel, and Google Tag Manager for tracking and marketing. The presence of noUiSlider indicates interactive UI components for loan calculations. Hosting appears to be on Vercel or a similar platform, inferred from script domains. The site is mobile optimized with responsive design and accessibility features such as focus trapping in modals and keyboard navigation support. SEO is supported by proper meta tags and structured content. Performance is moderate, with asynchronous loading of scripts to reduce blocking. No CMS or backend platform is explicitly detected. Technical risks include reliance on multiple third-party tracking services and lack of visible security headers. Overall, the technical infrastructure supports a professional user experience with opportunities for security enhancements.
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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