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Security report for prosper.com

Prosper Marketplace · Finance · United States

Medium risk. 2 critical or high findings in GDPR outside view.

Security score

69/100

Risk levelMedium

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

Prosper Marketplace is a well-established online financial services company specializing in peer-to-peer lending, personal loans, credit cards, home equity products, and investment opportunities. Founded in 2005, Prosper has facilitated over $28 billion in loans and serves a large customer base in the United States. The website demonstrates a high level of professionalism, comprehensive content, and strong branding consistency, targeting consumers seeking accessible financial solutions. Technically, the site is built on WordPress with Elementor and integrates multiple modern analytics and marketing tools, hosted behind Cloudflare. However, the SSL certificate is currently invalid or missing, which significantly impacts the security posture. Security headers are well implemented, but the lack of valid HTTPS and modern TLS protocols is a critical weakness. Privacy and cookie policies are present and indicate GDPR compliance, with consent mechanisms in place. Overall, Prosper presents a credible and trustworthy business with room for improvement in SSL configuration and security hardening.

Scanned

NIS2 and GDPR posture

GDPR outside view
43/ 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

2 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.

    • 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

    • 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

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

Keep watching prosper.com

This scan found 12 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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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
50
Security headers
80
Email security
50
DNS health
90
Network security
100
GDPR outside view
43
Average
69

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

Prosper holds a strong market position as a pioneer in peer-to-peer lending and online personal finance solutions. Its business model revolves around connecting borrowers with investors and offering a suite of financial products including personal loans, credit cards, home equity lines, and investment IRAs. The company targets a broad consumer segment from individuals seeking credit to investors looking for portfolio diversification. Prosper's partnerships with WebBank, Coastal Community Bank, and Spring EQ enhance its lending capabilities. The presence of multiple awards and an A+ BBB rating reinforce its credibility. The website content and navigation are designed to facilitate user engagement and conversion, supported by extensive marketing and analytics infrastructure.

Security posture

The website employs several security best practices including a comprehensive Content Security Policy, strict transport security headers, and secure cookie attributes. However, the SSL certificate is invalid or missing, and no TLS protocols are enabled, which is a critical security flaw that undermines user trust and data protection. OCSP stapling and session resumption are not enabled, reducing performance and security. No direct evidence of incident response or vulnerability disclosure policies was found. The site uses Cloudflare for DNS and hosting, which provides some protection. Overall, the security posture is moderate but requires urgent remediation of SSL/TLS issues to meet industry standards.

Recommendations

  1. Immediately renew or correctly install a valid SSL certificate to enable HTTPS and TLS 1.2/1.3 protocols.
  2. Enable OCSP stapling and session resumption to improve security and performance.
  3. Conduct a security audit to identify and remediate any other potential vulnerabilities.
  4. Publish explicit security and incident response policies to enhance transparency and trust.
  5. Maintain and regularly update privacy and cookie consent mechanisms to ensure ongoing compliance.

Contact details published on the site

Addresses
Legal name
Prosper Marketplace, Inc.
Registration number
NMLS#111473
Technical notes

Notes

The website is built on a modern WordPress CMS platform using the Elementor page builder and Yoast SEO for optimization. It integrates advanced analytics and marketing tools such as Google Analytics, New Relic, Optimizely, Heap Analytics, and multiple ad networks. Hosting and DNS are managed via Cloudflare, providing CDN and security features. The site is mobile-optimized with responsive design and accessibility features. Performance is moderate with room for improvement in load times and resource optimization. The technical stack is robust but requires SSL/TLS fixes to ensure secure communications and compliance.
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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