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Security report for patria-finance.cz

Patria Finance · Finance · Czech Republic

Medium risk. 7 critical or high findings in GDPR outside view, Security headers and 1 other check.

Security score

65/100

Risk levelMedium

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

Patria Finance is a Czech financial services company specializing in investment products and brokerage services, operating under the ČSOB banking group. The website offers a comprehensive range of investment options including ETFs, long-term investment products, and personal brokerage advisory. It targets retail and institutional investors with a strong emphasis on online trading platforms and educational content. The company has a solid market presence with over 30 years of experience and a reputable backing by a major banking group. Technically, the website uses modern JavaScript libraries and tracking tools, is mobile optimized, and provides secure login portals. Security posture is good with HTTPS and cookie consent mechanisms, though explicit security headers and policies could be improved. The absence of WHOIS data reduces domain registration transparency but does not detract from the apparent legitimacy of the business. Overall, the site is professional, trustworthy, and well-suited for its target audience.

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

7 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

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

  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 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';…

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Keep watching patria-finance.cz

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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
52
Security headers
45
Email security
85
DNS health
85
Network security
100
GDPR outside view
25
Average
65

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

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 patria-finance.cz, from OffSeq Breach.

Total records
183
Employees
0
Customers
183
Third parties
0
Weak passwords
31%

6 subdomains affected

See the 10 newest leaked credentials

A one-off add-on to this report that lists the most recent identifier and password pairs OffSeq Breach holds for patria-finance.cz.

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Breach keeps ingesting new leaks, so these numbers can grow between scans.

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Technical appendix

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

Business context

Business profile

Patria Finance holds a strong position in the Czech financial market as a brokerage and investment service provider affiliated with ČSOB. Its business model combines online self-service trading platforms with personal advisory services, catering to a broad investor base. The company leverages partnerships within the ČSOB group and offers a variety of investment instruments including ETFs, bonds, and long-term tax-advantaged products. The website reflects a mature digital presence with educational resources and detailed FAQs, supporting customer acquisition and retention. The integration with multiple related domains indicates a diversified service ecosystem. Growth potential is supported by modern investment trends such as regular ETF investments and mobile trading. The company maintains a professional brand image and trust signals consistent with financial industry standards.

Security posture

The website demonstrates a good security posture with mandatory HTTPS encryption and secure login portals. Cookie consent is implemented, indicating awareness of privacy regulations. However, explicit security headers such as Content-Security-Policy, X-Frame-Options, and X-Content-Type-Options are not evident in the provided content, representing an area for improvement. No sensitive data exposure or vulnerable libraries were detected. The lack of a published security policy or incident response contact reduces transparency for security incident handling. Overall, the site follows many best practices but could enhance its security maturity by formalizing policies and improving header configurations.

Recommendations

  1. Publish a comprehensive privacy policy and terms of service pages accessible from the main navigation.
  2. Implement and configure explicit security headers including CSP, X-Frame-Options, and X-Content-Type-Options.
  3. Provide a security policy and incident response contact information or security.txt file for vulnerability reporting.
  4. Improve WHOIS domain registration transparency or clarify domain registration details to enhance trust.
  5. Continue enhancing mobile optimization and accessibility features to maintain high user experience standards.

Contact details published on the site

Addresses
Legal name
Patria Finance, a.s.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
Patria Finance
Description
Patria Finance is a financial services company offering investment products and services including online trading platforms, regular investments, long-term investment products, and brokerage advisory services. It operates under the ČSOB banking group and targets retail and institutional investors primarily in the Czech Republic and Slovakia.
Key services
Online trading platforms (WebTrader, mobile app), Regular investments in ETFs and funds, Long-term investment products (DIP), Brokerage advisory and client care, Investment education and market news
Content quality
good
Branding
consistent

Technology

Stack
jQuery, Google Tag Manager, CookieLaw.org consent script, Swiper.js (carousel), FontAwesome icons
Platforms
Web (desktop and mobile responsive)
Performance
moderate
Mobile
good
Accessibility
good
SEO
good

Security

Observed score
80/100
Good practices seen
  • HTTPS enforced
  • Secure login portals
  • Use of Google Tag Manager asynchronously
  • Cookie consent mechanism implemented

Analytics and tracking

Services
Google Tag Manager
Tracking level
moderate
Privacy practices
basic

Advertising

Marketing tools
CookieLaw.org consent
Transparency
basic

Site quality

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

Key observations

  1. Website is fully accessible and not blocked by WAF or security challenges.
  2. WHOIS data is missing or unavailable for the domain finance.patria.cz.
  3. Website is professionally designed with clear navigation and mobile optimization.
  4. Strong affiliation with ČSOB banking group is evident.
  5. Comprehensive FAQ and educational content is provided.
  6. Multiple secure login portals and account registration flows are present.
  7. Cookie consent mechanism is implemented.
  8. No explicit privacy policy or terms of service pages were found in the provided content.
  9. Contact information including email, phone, and physical address is clearly provided.
  10. No security.txt or vulnerability disclosure policy found.
Technical notes

Notes

The website uses a modern tech stack including jQuery, Google Tag Manager, and Swiper.js for UI components. It is mobile responsive and includes accessibility features such as skip links and ARIA attributes. Performance is moderate with deferred script loading. SEO is supported by proper meta tags and Open Graph data. No CMS was explicitly detected, suggesting a custom or proprietary platform. Hosting provider details are not available. The site uses cookie consent scripts indicating compliance efforts. Technical risks are low, but the absence of some security headers and WHOIS data transparency are notable gaps. Overall, the technical infrastructure supports a professional financial services website with room for security and compliance 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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