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Security report for pzu.pl

PZU · Finance · Poland

Medium risk. 6 critical or high findings in GDPR outside view and SSL/TLS.

Security score

70/100

Risk levelMedium

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

PZU is a leading Polish insurance and financial services company offering a broad portfolio of products including life, health, property, vehicle, travel insurance, and investment and retirement solutions. The website reflects a mature digital presence with multiple client portals, online calculators, and integrated services targeting both individual and corporate clients. The company maintains a professional and consistent brand image with comprehensive content and clear navigation. Technically, the website employs modern JavaScript libraries such as Swiper.js for UI components, Google Tag Manager for analytics, and ConsentManager for cookie compliance. The site is built on a CMS platform inferred as OneWeb CMS, with asynchronous script loading and mobile optimization. Performance is moderate with good SEO and basic accessibility features. Security posture is strong with HTTPS enforced, presence of security headers, and no visible sensitive data exposure. The site integrates a chatbot with event tracking and manages user consent effectively. However, there is no explicit security policy or incident response contact information published, and no security.txt file detected. The WHOIS data for the domain is unavailable, which limits domain registration trust analysis. Despite this, the website's professional quality, extensive service offerings, and consistent branding strongly indicate legitimacy. Overall, the site scores well on content quality, technical implementation, security, privacy compliance, and business credibility.

Scanned

NIS2 and GDPR posture

GDPR outside view
10/ 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

6 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 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

    • High

      Third-party services without privacy policy

      Detected services: Google Analytics, Facebook, Twitter, LinkedIn, YouTube

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

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

Keep watching pzu.pl

This scan found 20 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.

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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
77
Security headers
75
Email security
70
DNS health
85
Network security
100
GDPR outside view
10
Average
70

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

PZU holds a dominant position in the Polish insurance market, serving both individuals and businesses with a wide range of insurance and financial products. Its business model leverages direct online sales, agent networks, and corporate partnerships, including banking collaborations. The company targets a broad customer base including private clients, SMEs, and large enterprises. The presence of multiple subsidiaries and branded services such as PZU Zdrowie and PZU Sport indicates diversification and vertical integration. The website's content and structure support customer engagement and cross-selling opportunities, reflecting a mature digital marketing strategy.

Security posture

The website demonstrates a mature security posture with enforced HTTPS, use of security headers, and consent management for cookies. The integration of a chatbot with detailed event tracking shows attention to user interaction monitoring. No exposed credentials or vulnerable libraries were detected in the analyzed content. However, the absence of a published security policy, incident response contacts, or vulnerability disclosure mechanisms represents a compliance gap. The site would benefit from publishing explicit security documentation and enhancing accessibility compliance to meet broader regulatory standards.

Recommendations

  1. Publish a dedicated security policy page including incident response procedures and contact channels.
  2. Implement and publish a security.txt file to facilitate vulnerability disclosures.
  3. Enhance website accessibility features to comply with WCAG standards.
  4. Regularly audit third-party scripts and dependencies for security vulnerabilities.
  5. Increase transparency by displaying security certifications or trust badges prominently.
Site observations

Automated reading of the public site. Ratings are indicative.

Business

Company
PZU
Description
PZU is a major Polish insurance company offering a wide range of insurance products including life, health, property, vehicle, travel, and investment products targeted at individuals and businesses.
Key services
Life insurance, Health insurance, Vehicle insurance (OC, AC), Property insurance, Travel insurance, Investment funds, Retirement products, Employee benefits and corporate insurance
Content quality
excellent
Branding
consistent

Technology

Stack
JavaScript, jQuery, Swiper.js, Google Tag Manager, ConsentManager, Chatbotize
Performance
moderate
Mobile
good
Accessibility
basic
SEO
good

Security

Observed score
85/100
Good practices seen
  • HTTPS enforced
  • Consent management for cookies
  • No exposed sensitive data in HTML
  • Use of async loading for scripts
  • Chatbot with event tracking

Analytics and tracking

Services
Google Analytics 4, Google Tag Manager
Tracking level
moderate
Privacy practices
good

Advertising

Marketing tools
ConsentManager, Chatbotize
Transparency
good

Site quality

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

Key observations

  1. Website is fully accessible with rich content
  2. No WAF or blocking detected
  3. Comprehensive insurance product offerings for individuals and businesses
  4. Strong digital presence with multiple online services and portals
  5. Use of modern JavaScript libraries and consent management
  6. No exposed sensitive data or obvious vulnerabilities
  7. WHOIS data unavailable, limiting domain registration trust analysis
Technical notes

Notes

The website uses a modern tech stack including JavaScript frameworks and libraries such as jQuery and Swiper.js for interactive UI elements. Google Tag Manager and ConsentManager are used for analytics and cookie compliance respectively. The CMS appears to be OneWeb CMS based on script paths and data attributes. The site is mobile responsive with good SEO practices including meta tags and Open Graph data. Performance is moderate, with asynchronous loading of scripts to improve page load times. There is room for improvement in accessibility and hosting provider transparency.
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

Earlier scans of this domain

  1. 67/100Medium29 findingsView report
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